Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 (ATLCZ) Financials
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 6, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the ATLCZ SEC filings page.
Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 (ATLCZ) reported $2.2B in revenue over the twelve months to Jun 30, 2026, up 75.7% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
The dominant mechanic is liability-funded asset expansion: stable gross economics coexist with interest-driven margin compression.
Gross margin stayed broadly stable across FY2021-FY2025, yet net margin compressed to7.2% by FY2025 from25.6% in FY2021. That divergence, alongside interest expense reaching$301.9M in FY2025, indicates financing costs—not core gross economics—absorbed much of the added revenue.
Asset growth from
Operating cash flow reached
Financial Health Signals
Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.
Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 passes 5 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, 1 of 2 efficiency signals pass.
For every $1 of reported earnings, Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 generates $5.29 in operating cash flow ($638.0M OCF vs $120.6M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 generated $620.9M in revenue in Q2 2026. This represents an increase of 82.4% from the same quarter a year earlier. Against the prior quarter it is up 11.5%.
Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 reported $49.7M in net income in Q2 2026. This represents an increase of 62.6% from the same quarter a year earlier. Against the prior quarter it is up 12.6%.
Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 earned $2.50 per diluted share (EPS) in Q2 2026. This represents an increase of 65.6% from the same quarter a year earlier. Against the prior quarter it is up 12.1%.
Not reported for Q2 2026.
Cash & Balance Sheet
Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 held $555.2M in cash as of Q2 2026; long-term debt is not reported for that period.
Not reported for Q2 2026.
Not reported for Q2 2026.
Margins & Returns
Atlanticus Holdings Corporation 9.25% Senior Notes due 2029's gross margin was 90.7% in Q2 2026, indicating the percentage of revenue retained after direct costs. This is up 0.7 percentage points from the same quarter a year earlier. Against the prior quarter it is down 1.2 percentage points.
Atlanticus Holdings Corporation 9.25% Senior Notes due 2029's net profit margin was 8.0% in Q2 2026, showing the share of revenue converted to profit. This is down 1.0 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.1 percentage points.
Atlanticus Holdings Corporation 9.25% Senior Notes due 2029's ROE was 7.1% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 1.7 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.3 percentage points.
Not reported for Q2 2026.
Capital Allocation
Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 spent $55K on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 97.1% from the same quarter a year earlier. Against the prior quarter it is down 98.6%.
Not reported for Q2 2026.
Not reported for Q2 2026.
ATLCZ Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $620.9M+82.4% | $556.8M+87.1% | $609.2M+97.3% | $419.2M+35.8% | $340.5M+22.4% | $297.6M+16.4% | $308.8M+11.7% | $308.7M+15.8% |
| Cost of Revenue | $57.9M+69.8% | $44.9M+39.7% | $55.6M+55.2% | $39.0M+39.0% | $34.1M+23.1% | $32.2M+19.9% | $35.8M+34.6% | $28.1M+8.5% |
| Gross Profit | $563.0M+83.8% | $511.9M+92.8% | $553.6M+102.8% | $380.2M+35.5% | $306.4M+22.4% | $265.5M+16.0% | $273.0M+9.3% | $280.7M+16.6% |
| SG&A Expenses | $27.3M+103.6% | $28.6M+84.8% | $22.5M+79.1% | $18.2M+47.9% | $13.4M+11.8% | $15.5M+16.5% | $12.6M+11.0% | $12.3M+8.3% |
| Interest Expense | $123.4M+129.9% | $122.8M+158.3% | $125.2M+180.3% | $75.5M+77.6% | $53.7M+41.5% | $47.5M+35.6% | $44.7M+36.9% | $42.5M+50.3% |
| Income Tax | $16.3M+65.2% | $14.3M+46.4% | $11.6M+30.5% | $7.9M-2.5% | $9.9M+120.2% | $9.7M+39.2% | $8.9M+100.7% | $8.1M+19.3% |
| Net Income | $49.7M+62.6% | $44.2M+40.1% | $33.5M+11.4% | $25.0M-15.5% | $30.6M+25.9% | $31.5M+20.4% | $30.1M+18.5% | $29.5M+17.0% |
| EPS (Basic) | $3.13+67.4% | $2.80+51.4% | $2.18+23.2% | $1.50-5.1% | $1.87+53.3% | $1.85+37.0% | $1.77+30.1% | $1.58+21.5% |
| EPS (Diluted) | $2.50+65.6% | $2.23+49.7% | $1.75+23.2% | $1.21-4.7% | $1.51+52.5% | $1.49+36.7% | $1.42+29.1% | $1.27+23.3% |
| Diluted Shares (Avg) | 19M-0.1% | 19M-1.0% | N/A | 19M+2.2% | 19M+2.0% | 19M+2.5% | N/A | 19M-0.7% |
Not reported in any period shown, so not listed: R&D Expenses, Operating Income, EBITDA.
ATLCZ Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $7.5B+105.6% | $7.5B+128.1% | $7.6B+133.1% | $7.1B+132.9% | $3.6B+28.4% | $3.3B+17.4% | $3.3B+20.8% | $3.0B+17.1% |
| Cash & Equivalents | $555.2M+68.5% | $651.1M+85.8% | $621.1M+65.4% | $425.0M+37.7% | $329.4M-6.1% | $350.4M-21.2% | $375.4M+10.6% | $308.7M-13.2% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Liabilities | $6.8B+121.9% | $6.8B+150.8% | $7.0B+159.3% | $6.5B+161.3% | $3.0B+34.3% | $2.7B+21.0% | $2.7B+23.8% | $2.5B+18.7% |
| Total Equity | $701.9M+24.6% | $648.4M+21.7% | $608.7M+23.5% | $589.3M+28.8% | $563.3M+29.9% | $532.7M+28.0% | $492.9M+24.9% | $457.7M+21.5% |
| Retained Earnings | $595.7M+32.1% | $548.3M+29.8% | $506.4M+28.3% | $473.6M+28.6% | $450.9M+30.7% | $422.6M+29.2% | $394.6M+28.4% | $368.3M+31.1% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
ATLCZ Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $276.9M+108.7% | $286.3M+117.6% | $266.3M+117.2% | $107.5M-4.4% | $132.7M+14.7% | $131.6M+10.8% | $122.6M-7.6% | $112.4M-3.8% |
| Depreciation & Amortization | $5.1M+200.9% | $5.1M+216.9% | $4.1M+193.8% | $2.5M+94.4% | $1.7M+34.6% | $1.6M+27.9% | $1.4M+11.4% | $1.3M+17.6% |
| Stock-Based Compensation | N/A | $1.4M+60.1% | N/A | N/A | N/A | $870K-7.4% | N/A | N/A |
| Investing Cash Flow | -$369.2M+9.0% | -$51.2M+55.4% | -$484.5M-175.3% | -$506.9M-65.5% | -$405.5M-105.6% | -$114.9M-70.1% | -$176.0M+16.7% | -$306.3M-39.5% |
| Financing Cash Flow | -$66.6M-122.6% | -$198.5M-261.8% | $459.8M+173.1% | $442.2M+157.9% | $294.6M+4479.2% | -$54.9M-215.8% | $168.3M+170.8% | $171.5M+58.3% |
| Share Buybacks | $55K-97.1% | $3.8M-92.5% | $16.4M-34.6% | $25K-99.9% | $1.9M+50.4% | $51.2M+9337.6% | $25.0M+656.3% | $25.8M+174.8% |
Not reported in any period shown, so not listed: Capital Expenditures, Free Cash Flow, Dividends Paid.
ATLCZ Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 90.7%+0.7pp | 91.9%+2.7pp | 90.9%+2.5pp | 90.7%-0.2pp | 90.0%0.0pp | 89.2%-0.3pp | 88.4%-2.0pp | 90.9%+0.6pp |
| Net Margin | 8.0%-1.0pp | 7.9%-2.7pp | 5.5%-4.2pp | 6.0%-3.6pp | 9.0%+0.3pp | 10.6%+0.3pp | 9.8%+0.6pp | 9.6%+0.1pp |
| Return on Equity | 7.1%+1.7pp | 6.8%+0.9pp | 5.5%-0.6pp | 4.2%-2.2pp | 5.4%-0.2pp | 5.9%-0.4pp | 6.1%-0.3pp | 6.5%-0.3pp |
| Return on Assets | 0.7%-0.2pp | 0.6%-0.4pp | 0.4%-0.5pp | 0.4%-0.6pp | 0.8%0.0pp | 1.0%0.0pp | 0.9%0.0pp | 1.0%0.0pp |
| Debt-to-Equity | 9.62+4.2x | 10.46+5.4x | 11.47+6.0x | 10.95+5.6x | 5.40+0.2x | 5.07-0.3x | 5.460.0x | 5.40-0.1x |
| Asset Turnover | 0.080.0x | 0.070.0x | 0.080.0x | 0.060.0x | 0.090.0x | 0.090.0x | 0.090.0x | 0.100.0x |
Not reported in any period shown, so not listed: Operating Margin, Current Ratio, FCF Margin.
Where Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 Ranks
Frequently Asked Questions
What is Atlanticus Holdings Corporation 9.25% Senior Notes due 2029's annual revenue?
Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 (ATLCZ) reported $1.7B in total revenue for fiscal year 2025. This represents a 44.8% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Atlanticus Holdings Corporation 9.25% Senior Notes due 2029's revenue growing?
Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 (ATLCZ) revenue grew by 44.8% year-over-year, from $1.2B to $1.7B in fiscal year 2025.
Is Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 profitable?
Yes, Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 (ATLCZ) reported a net income of $120.6M in fiscal year 2025, with a net profit margin of 7.2%.
What is Atlanticus Holdings Corporation 9.25% Senior Notes due 2029's gross margin?
Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 (ATLCZ) had a gross margin of 90.3% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.
What is Atlanticus Holdings Corporation 9.25% Senior Notes due 2029's net profit margin?
Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 (ATLCZ) had a net profit margin of 7.2% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Atlanticus Holdings Corporation 9.25% Senior Notes due 2029's return on equity (ROE)?
Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 (ATLCZ) has a return on equity of 19.8% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Atlanticus Holdings Corporation 9.25% Senior Notes due 2029's operating cash flow?
Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 (ATLCZ) generated $638.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Atlanticus Holdings Corporation 9.25% Senior Notes due 2029's total assets?
Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 (ATLCZ) had $7.6B in total assets as of fiscal year 2025, including both current and long-term assets.
What is Atlanticus Holdings Corporation 9.25% Senior Notes due 2029's debt-to-equity ratio?
Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 (ATLCZ) had a debt-to-equity ratio of 11.47 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Atlanticus Holdings Corporation 9.25% Senior Notes due 2029's return on assets (ROA)?
Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 (ATLCZ) had a return on assets of 1.6% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Atlanticus Holdings Corporation 9.25% Senior Notes due 2029's Piotroski F-Score?
Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 (ATLCZ) has a Piotroski F-Score of 5 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Atlanticus Holdings Corporation 9.25% Senior Notes due 2029's earnings high quality?
Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 (ATLCZ) has an earnings quality ratio of 5.29x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.