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.
Financials in millions USD. Fiscal year is February - January.
Breakdown
TTM
12/31/2025
12/31/2024
12/31/2023
12/31/2022
12/31/2021
Revenue
865
865
577
466
469
529
Revenue Growth (YoY)
50%
50%
24%
-1%
-11%
17%
Cost of Revenue
462
462
278
209
177
129
Gross Profit
402
402
299
256
292
399
Selling, General & Admin
182
182
106
96
105
90
Research & Development
--
--
--
--
--
--
Operating Expenses
242
242
160
127
143
150
Other Non Operating Income (Expenses)
--
--
--
--
--
--
Pretax Income
159
159
138
128
149
219
Income Tax Expense
39
39
28
26
14
41
Net Income
111
111
87
77
110
155
Net Income Growth
28%
28%
13%
-30%
-28.99%
101%
Shares Outstanding (Diluted)
19.13
19.17
18.8
18.88
19.4
20.9
Shares Change (YoY)
1%
2%
0%
-3%
-7%
4%
EPS (Diluted)
5.84
5.83
4.64
4.11
5.69
7.44
EPS Growth
26%
26%
13%
-28%
-24%
94%
Free Cash Flow
632
632
467
455
341
205
Free Cash Flow Per Share
--
--
--
--
--
--
Gross Margin
46.47%
46.47%
51.81%
54.93%
62.26%
75.42%
Operating Margin
18.38%
18.38%
23.91%
27.46%
31.76%
47.06%
Profit Margin
12.83%
12.83%
15.07%
16.52%
23.45%
29.3%
Free Cash Flow Margin
73.06%
73.06%
80.93%
97.63%
72.7%
38.75%
EBITDA
164
164
140
130
151
250
EBITDA Margin
18.95%
18.95%
24.26%
27.89%
32.19%
47.25%
D&A For EBITDA
5
5
2
2
2
1
EBIT
159
159
138
128
149
249
EBIT Margin
18.38%
18.38%
23.91%
27.46%
31.76%
47.06%
Effective Tax Rate
24.52%
24.52%
20.28%
20.31%
9.39%
18.72%
Follow-Up Questions
What are Atlanticus Holdings Corp's key financial statements?
According to the latest financial statement (Form-10K), Atlanticus Holdings Corp has a total asset of $7,623, Net profit of $111
What are the key financial ratios for ATLCZ?
Atlanticus Holdings Corp's Current ratio is 1.09, has a Net margin is 12.83, sales per share of $45.11.
How is Atlanticus Holdings Corp's revenue broken down by segment or geography?
Atlanticus Holdings Corp largest revenue segment is Credit as a Service, at a revenue of 1,268,763,000 in the most earnings release.For geography, United States is the primary market for Atlanticus Holdings Corp, at a revenue of 1,309,955,000.
Is Atlanticus Holdings Corp profitable?
yes, according to the latest financial statements, Atlanticus Holdings Corp has a net profit of $111
Does Atlanticus Holdings Corp have any liabilities?
yes, Atlanticus Holdings Corp has liability of 6,974
How many outstanding shares for Atlanticus Holdings Corp?
Atlanticus Holdings Corp has a total outstanding shares of 14.92