ATLC Financials: Atlanticus Holdings Corp AI Analysis

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Financials

ATLC Financial

Atlanticus Holdings Corp

$80.86

-4.65%

$-3.95

At close: May 11, 16:00:00 GMT-4

$82.15

1.59%

$1.29

Post-market: May 11, 20:00:00 GMT-4

Overview Forecast Earnings Dividends Financials

Key Stats

Prev.Close

$84.81

Open

$84.49

Day's Range

$80.17 - $89

52 week range

$45.74 - $82.15

Volume

89.1K

Avg.Volume

67.1K

Dividend yield

1.05%

EPS (TTM)

6.37

Market Cap

$1.2B

What is ATLC?

Atlanticus Holdings Corp. is a financial holding company, which engages in the provision of financial technology and related services. The company is headquartered in Atlanta, Georgia and currently employs 417 full-time employees. The company is engaged in providing products and services to lenders in the United States. The Company’s Credit as a Service (CaaS) segment provides private label credit and general-purpose credit cards originated by lenders through multiple channels, including retail and healthcare, direct mail solicitation, digital marketing and partnerships with third parties. Its flexible technology solutions allow its bank partners to integrate its paperless process and instant decisioning platform with the existing infrastructure of participating retailers, healthcare providers and other service providers. Within its Auto Finance segment, its CAR subsidiary operations principally purchase and/or service loans secured by automobiles from or for, and also provide floor-plan financing for, a pre-qualified network of independent automotive dealers and automotive finance companies in the buy-here, pay-here used car business.

Features

Markets

News

Income

Balance sheet

Cash flow

Annual

Quarterly

ATLC Income

Financials in millions USD. Fiscal year is February - January.

Breakdown	TTM	12/31/2025	09/30/2025	06/30/2025	03/31/2025	12/31/2024
Revenue	865	303	217	177	166	169
Revenue Growth (YoY)	50%	79%	48%	37%	27%	35%
Cost of Revenue	462	180	114	87	79	80
Gross Profit	402	122	103	89	87	88
Selling, General & Admin	182	55	53	38	35	29
Research & Development	--	--	--	--	--	--
Operating Expenses	242	76	70	49	46	48
Other Non Operating Income (Expenses)	--	--	--	--	--	--
Pretax Income	159	46	32	40	40	39
Income Tax Expense	39	11	7	9	9	8
Net Income	111	32	22	28	27	26
Net Income Growth	28%	23%	-4%	65%	42%	37%
Shares Outstanding (Diluted)	19.13	19.13	19.19	19.18	19.18	18.88
Shares Change (YoY)	1%	1%	2%	2%	2%	1%
EPS (Diluted)	5.84	1.71	1.18	1.47	1.45	1.39
EPS Growth	26%	23%	-4%	55%	37%	31%
Free Cash Flow	632	266	107	130	128	121
Free Cash Flow Per Share	--	--	--	--	--	--
Gross Margin	46.47%	40.26%	47.46%	50.28%	52.4%	52.07%
Operating Margin	18.38%	15.18%	14.74%	22.59%	24.09%	23.07%
Profit Margin	12.83%	10.56%	10.13%	15.81%	16.26%	15.38%
Free Cash Flow Margin	73.06%	87.78%	49.3%	73.44%	77.1%	71.59%
EBITDA	164	48	33	40	40	39
EBITDA Margin	18.95%	15.84%	15.2%	22.59%	24.09%	23.07%
D&A For EBITDA	5	2	1	0	0	0
EBIT	159	46	32	40	40	39
EBIT Margin	18.38%	15.18%	14.74%	22.59%	24.09%	23.07%
Effective Tax Rate	24.52%	23.91%	21.87%	22.5%	22.5%	20.51%

Follow-Up Questions

What are Atlanticus Holdings Corp's key financial statements?

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According to the latest financial statement (Form-10K), Atlanticus Holdings Corp has a total asset of $0, Net loss of $0

What are the key financial ratios for ATLC?

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Atlanticus Holdings Corp's Current ratio is 0, has a Net margin is 0, sales per share of $0.

How is Atlanticus Holdings Corp's revenue broken down by segment or geography?

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Atlanticus Holdings Corp largest revenue segment is Credit as a Service, at a revenue of 1,928,698,000 in the most earnings release.For geography, United States is the primary market for Atlanticus Holdings Corp, at a revenue of 1,968,360,000.

Is Atlanticus Holdings Corp profitable?

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no, according to the latest financial statements, Atlanticus Holdings Corp has a net loss of $0

Does Atlanticus Holdings Corp have any liabilities?

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no, Atlanticus Holdings Corp has liability of 0

How many outstanding shares for Atlanticus Holdings Corp?

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Atlanticus Holdings Corp has a total outstanding shares of 0

Atlanticus Holdings Corp (ATLC) Financial

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