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
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?
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 ATLCZ?
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?
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?
no, according to the latest financial statements, Atlanticus Holdings Corp has a net loss of $0
Does Atlanticus Holdings Corp have any liabilities?
no, Atlanticus Holdings Corp has liability of 0
How many outstanding shares for Atlanticus Holdings Corp?
Atlanticus Holdings Corp has a total outstanding shares of 0