AtlasClear Holdings Reports 84% Revenue Growth, Profitability, and Positive Stockholders’ Equity for Fiscal Second Quarter 2026

AtlasClear Holdings (NYSE: ATCH) reported Q2 FY2026 revenue of $5.1 million, up 84% YoY, net income of $6.8 million, and stockholders' equity turned positive to $21.7 million.

Rhea-AI Summary

AtlasClear Holdings (NYSE: ATCH) reported Q2 FY2026 revenue of $5.1 million, up 84% YoY, net income of $6.8 million, and stockholders' equity turned positive to $21.7 million. Cash and restricted cash totaled $46.2 million, and total assets were $77.6 million.

The quarter included a $20 million financing and strong operating results at Wilson-Davis, which ended the quarter with net capital of $14.7 million.

Positive

• Revenue +84% YoY to $5.1M (Q2 ended Dec 31, 2025)
• Net income of $6.8M in the quarter
• Stockholders' equity improved ~ $59.8M to $21.7M
• Cash and restricted cash totaling $46.2M
• Wilson-Davis net capital $14.7M, exceeding requirement by $14.4M

Negative

• Completed $20M financing including $10M equity units, which may dilute shareholders

Argus Feb 13 session

+0.08% close to close Open Argus

Details

News Market Reaction – ATCH

On Feb 13, the day this news came out, ATCH closed 0.08% above the previous close.

Data tracked by StockTitan Argus for the Feb 13 session.

Key Figures

Q2 2026 revenue: $5.1M Net income: $6.8M Stockholders’ equity: $21.7M +5 more

Q2 2026 revenue

$5.1M

Quarter ended Dec 31, 2025; up 84% YoY from $2.7M

Net income

$6.8M

Fiscal second quarter 2026

Stockholders’ equity

$21.7M

Turned positive vs prior deficit as of Jun 30, 2025

Cash & restricted cash

$46.2M

As of Dec 31, 2025

Cash & equivalents

$23.1M

As of Dec 31, 2025

Total assets

$77.6M

As of Dec 31, 2025; up from $60.9M on Jun 30, 2025

Wilson-Davis net capital

$14.7M

Quarter end Dec 31, 2025

Fourth-quarter financing

$20M

$10M secured convertible note and $10M equity unit offering

Historical Context

5 past events · Latest: Feb 10

5 events

1. Feb 10

   Bank acquisition deal

   24h Move

   -6.0%

   Definitive agreement to acquire Commercial Bancorp and Farmers State Bank.

2. Feb 02

   Investor outreach launch

   24h Move

   -2.1%

   Launch of ongoing 'Clearing the View' investor communications series.

3. Jan 27

   Year-end update

   24h Move

   +5.0%

   Balance sheet repair, liability reduction, financings and 2026 strategic priorities.

4. Dec 01

   Subsidiary performance

   24h Move

   +3.2%

   Triple-digit revenue and earnings growth at Wilson-Davis in October 2025.

5. Nov 24

   Conference presentation

   24h Move

   +1.2%

   Presentation at NobleCon21 outlining 2026 roadmap and strategy.

24h Move is the share-price change in the day after each event; other market factors may also have contributed.

Key Terms

at-the-market offerings, secured convertible note, equity unit offering, restricted cash, +2 more

6 terms

at-the-market offerings financial

"Wilson-Davis serving as a selling agent in at-the-market offerings."

An at-the-market offering is a method for a company to sell new shares of its stock directly into the stock market over time, rather than all at once. This approach allows the company to raise money gradually, similar to selling small portions of a product as demand grows. For investors, it can influence stock availability and price, making it an important factor to consider when assessing a company's financial strategy.

secured convertible note financial

"consisting of a $10 million secured convertible note and a $10 million equity unit offering."

A secured convertible note is a loan to a company that is backed by specific assets (secured) and can be changed into company shares (convertible) instead of being paid back in cash. For investors this matters because it mixes lower risk—because collateral gives repayment priority if things go wrong—with potential upside through stock conversion, while also affecting future ownership and how much existing shareholders may be diluted.

equity unit offering financial

"consisting of a $10 million secured convertible note and a $10 million equity unit offering."

An equity unit offering is a company sale of bundled securities that typically pairs shares of stock with another sweetener, such as warrants or rights, sold together as one package. Investors view it like buying a combo meal: you get immediate ownership plus an option to buy more later, which can boost potential reward but also dilute existing holdings; it matters because it affects ownership percentages, future share supply, and the company’s ability to raise cash without taking on debt.

restricted cash financial

"Cash and restricted cash totaled $46.2 million at quarter end."

Cash that a company holds but cannot use for day-to-day operations because it is set aside for a specific purpose—such as meeting loan covenants, serving as collateral, funding an escrow, or complying with regulations. Like money in a locked savings account earmarked for a bill, restricted cash reduces the cash available to run the business and pay dividends or debts, so investors treat it differently when assessing a company’s true short-term financial strength.

correspondent clearing financial

"continued to expand correspondent clearing relationships, stock loan and margin-related services"

Correspondent clearing is a service where a larger brokerage firm handles back-office tasks—trade settlement, custody, record-keeping, and regulatory reporting—for a smaller or independent broker-dealer. Think of it as a full-service partner that processes paperwork and moves money on behalf of the smaller broker so that customers can trade without the smaller firm needing its own complex infrastructure. Investors should care because correspondent clearing affects trade speed, account safety and which protections and fees apply to their investments.

margin-related services financial

"expand correspondent clearing relationships, stock loan and margin-related services, and ancillary clearing"

Margin-related services are financial services that let investors borrow money or use their existing holdings as collateral to buy more securities, similar to using a home or car as a loan guarantee to buy something you otherwise couldn't afford. These services matter because they can amplify both gains and losses, affect how much capital investors need, create the risk of forced sales if collateral falls in value, and influence trading costs and liquidity in markets.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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-Revenue Increased 84% Year Over Year, Reflecting Accelerating Operating Momentum-

-Stockholders’ Equity Turned Positive to $21.7 Million, Representing an Increase of ~$60 Million Compared to Fiscal Year-End 2024-

-Liquidity Strengthened With $46.2 Million in Cash and Restricted Cash, Enhancing Financial Flexibility-

-Wilson-Davis Net Capital Exceeded Regulatory Requirements by $14.4 Million, Underscoring Platform Strength-

-Earnings Call Scheduled for Friday, February 13, 2026, at 8:30 AM ET-

TAMPA, Fla., Feb. 13, 2026 (GLOBE NEWSWIRE) -- AtlasClear Holdings, Inc. (NYSE American: ATCH) (“AtlasClear” or the “Company”), a technology-enabled financial services platform modernizing trading, clearing, settlement, and banking infrastructure, today announced financial results for its fiscal second quarter ended December 31, 2025. The Company will host its earnings conference call this morning at 8:30 AM Eastern Time.

Fiscal Second Quarter 2026 Financial Highlights

(Quarter Ended December 31, 2025)

• Revenue increased 84% year over year to $5.1 million, compared to $2.7 million in the prior-year quarter.
• Net income totaled $6.8 million, primarily driven by operating growth and non-cash fair value adjustments.
• Stockholders’ equity increased to $21.7 million, compared to a deficit of $(6.8) million as of June 30, 2025, representing an improvement of approximately $59.8 million compared to fiscal year-end June 30, 2024.
• Cash and restricted cash totaled $46.2 million at quarter end.
• Wilson-Davis & Co., Inc. delivered strong operating performance, supported by growth in commissions, stock locate services, and clearing-related activity, and ended the quarter with net capital of $14.7 million.
  

Management Commentary:

“Over the past year, we have remained focused on strengthening our operational infrastructure, improving efficiency, and reinforcing our capital position,” said Craig Ridenhour, President of AtlasClear Holdings. “Those efforts are now translating into measurable financial results, including top-line revenue growth and broader utilization of our platform. Wilson-Davis continues to execute consistently and serves as the operational engine of our integrated clearing and financial services strategy.”

“This quarter represents a clear turning point for the Company,” said John Schaible, Executive Chairman, AtlasClear Holdings. “We exited the year with positive stockholders’ equity and substantially strengthened liquidity. Importantly, the nearly $60 million improvement in stockholders’ equity since fiscal year-end 2024 reflects the disciplined capital actions and operating progress made over the past twelve months. AtlasClear is now operating from a position of strength as we continue to scale initiatives already underway and further establish our role as a modern financial infrastructure provider.”

Operating Performance

Fourth-quarter revenue growth was driven primarily by increased commission activity, expanded stock locate and fully paid lending services, and Wilson-Davis serving as a selling agent in at-the-market offerings. These drivers reflect higher client activity and broader utilization of the platform’s service offerings.

Expenses increased in line with revenue growth, reflecting higher variable compensation, clearing and data processing costs associated with expanded services, and stock-based compensation related to new executive employment agreements.

Liquidity and Capital Resources

As of December 31, 2025:

• Cash and cash equivalents totaled $23.1 million.
• Total cash and restricted cash amounted to $46.2 million.
• Total assets increased to $77.6 million, compared to $60.9 million as of June 30, 2025.
  

During the fourth quarter, the Company completed a $20 million financing, consisting of a $10 million secured convertible note and a $10 million equity unit offering. Management believes these proceeds, together with anticipated cash flows from operations, provide sufficient liquidity to support operations for at least the next twelve months.

Strategic Progress

During the quarter, AtlasClear continued to expand correspondent clearing relationships, stock loan and margin-related services, and ancillary clearing offerings. Development of the AtlasClear technology platform remains ongoing, alongside progress toward the proposed acquisition of Commercial Bancorp of Wyoming, subject to regulatory approvals.

Earnings Call Information

Date: February 13, 2026
Time: 8:30 AM Eastern Time
Webcast: https://viavid.webcasts.com/starthere.jsp?ei=1752655&tp_key=3ac483b8a5
Dial-In: 1-877-407-0752 or 1-201-389-0912

About AtlasClear Holdings, Inc.

AtlasClear Holdings, Inc. (NYSE American: ATCH) is building a cutting-edge, technology-enabled financial services platform designed to modernize trading, clearing, settlement, and banking for emerging financial institutions and fintechs. Through its subsidiary Wilson-Davis & Co., Inc., a full-service correspondent broker-dealer registered with the SEC and FINRA, and its pending acquisition of Commercial Bancorp of Wyoming, AtlasClear seeks to deliver a vertically integrated suite of brokerage, clearing, risk management, regulatory, and commercial banking solutions. For more information, follow us on LinkedIn or X and visit www.atlasclear.com.

Forward-Looking Statements

This communication contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, as amended, that reflect AtlasClear Holdings’ current views with respect to, among other things, its future operations and financial performance. Forward-looking statements in this communication may be identified by the use of words such as "anticipate," "assume," "believe," "continue," "could," "estimate," "expect," "foreseeable," "future," "intend," "may," "outlook," "plan," "potential," "proposed," "predict," "project," "seek," "should," "target," "trends," "will," "would" and similar terms and phrases. Forward-looking statements contained in this communication include, but are not limited to, statements as to (i) the Company’s expectations regarding planned future growth and financial results, (ii) AtlasClear Holdings’ expectations regarding future financings, (iii) AtlasClear Holdings’ expectations as to future operational results, (iv) AtlasClear Holdings’ anticipated growth strategy, including its planned acquisition of Commercial Bancorp of Wyoming, and (v) the financial technology of AtlasClear Holdings. Forward-looking statements are based on current expectations and assumptions that are subject to risks and uncertainties, many of which are beyond the Company’s control. Actual results may differ materially from those anticipated. For additional details regarding risks and uncertainties, please refer to AtlasClear Holdings’ filings with the SEC, including its Form 10-Q for the quarter ended September 30, 2025, and its Annual Report on Form 10-K filed September 29, 2025. AtlasClear Holdings undertakes no obligation to update or revise forward-looking statements, except as required by law.

Company Contact:
AtlasClear Holdings, Inc.
Email: AtlasClearIR@atlasclear.com

Investor Relations Contact:
Jeff Ramson, CEO
PCG Advisory, Inc.
Email: jramson@pcgadvisory.com

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What were AtlasClear (ATCH) Q2 FY2026 revenue and net income figures?

AtlasClear reported Q2 FY2026 revenue of $5.1 million and net income of $6.8 million. According to the company, revenue rose 84% year over year, driven by higher commission activity and expanded clearing services.

How did AtlasClear's stockholders' equity change in Q2 FY2026 for ATCH?

Stockholders' equity turned positive to $21.7 million at quarter end. According to the company, this reflects approximately a $59.8 million improvement versus fiscal year‑end June 30, 2024, from capital actions and operating progress.

What liquidity does AtlasClear (ATCH) have after the December 31, 2025 quarter?

AtlasClear reported $46.2 million in cash and restricted cash as of December 31, 2025. According to the company, this includes $23.1 million in cash and cash equivalents and supports liquidity for at least the next twelve months.

What was the $20 million financing completed by AtlasClear (ATCH) in Q2 FY2026?

AtlasClear completed a $20 million financing, comprising a $10 million secured convertible note and a $10 million equity unit offering. According to the company, these proceeds bolster liquidity but include equity units that could dilute shareholders.

How did Wilson-Davis contribute to AtlasClear (ATCH) Q2 FY2026 results?

Wilson-Davis delivered strong operating performance and ended the quarter with $14.7 million in net capital. According to the company, growth in commissions, stock locate services, and clearing activity drove the improved performance.