Atlanticus Holdings Corporation (ATLC)

NMS – Real Time Price. Currency in USD

110.41

+2.14 (1.98%)

At close: Jun 26, 2026, 4:00 PM EDT

112.00

+1.59 (1.44%)

After-hours: Jun 26, 2026, 7:44 PM EDT

Stock details

Previous close: 110.41$
Day's range: 107.13 - 112.61$
52-week range: 45.74 - 112.61$
Volume: 411 905
Average volume: 213 976
Beta: 1.83
EPS (TTM): 8.34
PE ratio (TTM): 16.46
Forward P/E: 11.73
Market cap: 1 669 178 122
Shares outstanding: 15 117 998
Dividend yield: N/A
Next earnings date: 2026-08-07
Sector: Financials
Industry: Credit Services

About the company

Atlanticus Holdings Corporation, a financial technology company, provides products and services to lenders in the United States. The company operates in two segments, Credit as a Service (CaaS) and Auto Finance. Its CaaS segment offers private label credit products associated with the healthcare space under the Curae brand, as well as consumer electronics, furniture, elective medical procedures, and home-improvement under the... read more

CEO: Jeffrey Howard
Country: United States
IPO Date: 1999-04-23
Employees: 576
Fiscal Year End: January - December
Website: https://www.atlanticus.com

Revenue Breakdown

Credit as a Service / 97.99%

Auto Finance / 2.01%

News

No Data

There are no news for this stock.

Chart: ATLC

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Overall Score

5.7 / 1057%

Financial Strength

Profitability

8.6

Effectiveness

Growth

8.1

Forecast

9.8

Valuation

5.4

Dividend

Economic Moat

Octagon View

Strength & Weakness

Total debt $6.4B significantly exceeds cash reserves ($804.1M), raising financial stability concerns

Total current assets $0.0 are just enough to cover Total current liabilities $505.2M, indicating tight liquidity

Debt-to-equity ratio (9.3) far exceeds the industry average, reflecting over-leverage

The company has no interest-bearing debt, showcasing excellent financial strength

The company generates positive free cash flow $286.1M, supporting its financial health

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	1.59	10.91	8.0
Quick ratio	1.59	10.10	8.0
Debt to Equity	9.23	3.44	2.0
Debt to Assets	0.85	1.99	2.0
Interest coverage	N/A	71.90	10
Weighted average score			6.0

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	1.05B	1.16B	1.31B	1.97B	2.30B
Gross Profit	949M	1.05B	1.19B	1.80B	2.12B
Operating Income	231M	238M	299M	468M	555M
Net Income	136M	103M	111M	122M	135M
EBITDA	235M	243M	318M	480M	570M

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	92.86	64.01	10
Operating margin %	26.72	0.03	10
Net margin %	6.50	-121.55	5.0
EBITDA margin %	27.49	-20.51	8.0
Cash flow margin %	42.13	-144.24	10
Weighted average score			8.6

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	2.72	-153.95	4.0
ROE	21.48	41.47	10
ROIC	2.97	-22.19	5.0
ROCE	2.40	-1.81	5.0
Weighted average score			6.0

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	81.9	50.11	10
Next quarter	55.01	82.55	10
Current year	50.54	57.91	10
Next year	13.14	36.48	9.0
Weighted average score			9.8

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	-7.45	25.73	27.43	7.51	6.8
Y/Y	96.89	40.15	49.66	121.96	10
3y average	24.65	-2.03	3.4	23.82	6.3
5y average	29.34	11.83	21.6	26.91	9.3
Weighted average score					8.1

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	11.49	-29.69	8.0
PEG (5yr expected)	N/A	0.88	1.0
P/S	3.19	102.37	6.4
P/B	1.79	-0.46	6.0
Weighted average score			5.4

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR28.24%

FCF 5 year CAGR4

Fair value1546.05$

Stock price110.41$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	0.00	N/A	1.0
Payout ratio	0.00	N/A	1.0
5-year dividend growth rate	N/A	N/A	1.0
Years of dividend increase	N/A	N/A	1.0
Weighted average score			1.0

Fair Value

$1546.05

UndervaluedStock priceOvervalued

$110.41

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Jeffrey Howard

Country

United States

IPO Date

1999-04-23

Employees

576

Fiscal Year End

January - December

Website

https://www.atlanticus.com

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

1.59

10.91

8.0

Quick ratio

1.59

10.10

8.0

Debt to Equity

9.23

3.44

2.0

Debt to Assets

0.85

1.99

2.0

Interest coverage

N/A

71.90

Weighted average score

6.0

METRIC

2022

2023

2024

2025

TTM

Total Revenue

1.05B

1.16B

1.31B

1.97B

2.30B

Gross Profit

949M

1.05B

1.19B

1.80B

2.12B

Operating Income

231M

238M

299M

468M

555M

Net Income

136M

103M

111M

122M

135M

EBITDA

235M

243M

318M

480M

570M

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

92.86

64.01

Operating margin %

26.72

0.03

Net margin %

6.50

-121.55

5.0

EBITDA margin %

27.49

-20.51

8.0

Cash flow margin %

42.13

-144.24

Weighted average score

8.6

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

2.72

-153.95

4.0

ROE

21.48

41.47

ROIC

2.97

-22.19

5.0

ROCE

2.40

-1.81

5.0

Weighted average score

6.0

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

81.9

50.11

Next quarter

55.01

82.55

Current year

50.54

57.91

Next year

13.14

36.48

9.0

Weighted average score

9.8

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

-7.45

25.73

27.43

7.51

6.8

Y/Y

96.89

40.15

49.66

121.96

3y average

24.65

-2.03

3.4

23.82

6.3

5y average

29.34

11.83

21.6

26.91

9.3

Weighted average score

8.1

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

11.49

-29.69

8.0

PEG (5yr expected)

N/A

0.88

1.0

P/S

3.19

102.37

6.4

P/B

1.79

-0.46

6.0

Weighted average score

5.4

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

0.00

N/A

1.0

Payout ratio

0.00

N/A

1.0

5-year dividend growth rate

N/A

1.0

Years of dividend increase

N/A

1.0

Weighted average score

1.0

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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Atlanticus Holdings Corporation (ATLC)

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Atlanticus Holdings Corporation (ATLC)

Stock details

About the company

Revenue Breakdown

News

Chart: ATLC

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$1546.05

$110.41

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: ATLC

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$1546.05

$110.41

Economic Moat