Atlanticus Holdings Corp
ATLCPNasdaq
$24.44
↑ +0.3%Jul 17 close · end-of-day
Price
1Y↑ +20.5%
End-of-day closes; the latest point is the live 15-min-delayed price · split & dividend adjusted · chart by TradingView
Key statistics
Market Cap
$464.5M
Enterprise Value
-$186.7M
P/E
3.6
P/S
0.2
P/B
0.7
EV/EBITDA
—
PEG
4.9
FCF Yield
—
Dividend Yield
—
Revenue (TTM)
$2.3B
Net Income (TTM)
$134.9M
Free Cash Flow (TTM)
—
Gross Margin
—
Operating Margin
—
Net Margin
5.9%
ROE
20.8%
ROIC
—
Debt / Equity
—
Net Cash
$651.1M
Return 1Y
+20.2%
Company profile
Atlanticus Holdings Corporation provides credit and related financial services and products in the United States. The Credit as a Service segment originates a range of consumer loan products, such as private label and general purpose credit cards. The Auto Finance segment purchases and/or services loans secured by automobiles from or for pre-qualified network of independent automotive dealers.
- CEO
- Jeffrey A. Howard
- Sector
- Finance, Insurance, And Real Estate
- Industry
- Banking
- Employees
- 330
- Headquarters
- Georgia
- Website
- atlanticus.com
Management & directors
- Hanna David GExecutive Chairman
- Howard Jeffrey A.President & CEO
- Mccamey WilliamChief Financial Officer
- Saunders MitchellChief Accounting Officer
Roles derived from SEC Form 4 filings.
Earnings
ATLCP Q1 2026 Earnings
Period ends 2026-03-31
MetricActualYoY
Revenue$679.6M↑ +96.9%
Diluted EPS$2.23↑ +49.7%
Actuals from SEC filings; YoY vs the year-ago quarter. Analyst estimates & surprise require a data feed (coming soon).
Financial statements
| Line item | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Revenue | $563.4M | $748.1M | $1.0B | $1.2B | $1.3B | $2.0B |
| Gross profit | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $94.1M | $177.9M | $135.6M | $102.8M | $111.3M | $122.2M |
| Diluted EPS | $3.95 | $7.56 | $5.83 | $4.24 | $4.77 | $5.96 |
| Operating cash flow | $212.7M | $212.4M | $347.6M | $459.3M | $469.4M | $638.0M |
| Free cash flow | $212.0M | — | — | — | — | — |
| Gross margin | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — |
| Net margin | 16.7% | 23.8% | 13.0% | 8.9% | 8.5% | 6.2% |
| Line item | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $316.0M | $351.2M | $353.5M | $345.2M | $394.2M | $494.7M | $734.4M | $679.6M |
| Gross profit | — | — | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — | — | — |
| Net income | $24.3M | $29.5M | $31.3M | $31.5M | $30.6M | $25.0M | $35.1M | $44.2M |
| Diluted EPS | $0.99 | $1.27 | $1.42 | $1.49 | $1.51 | $1.21 | $1.75 | $2.23 |
| Operating cash flow | $115.6M | $112.4M | $122.6M | $131.6M | $132.7M | $107.5M | $266.3M | $286.3M |
| Free cash flow | — | — | — | — | — | — | — | — |
| Gross margin | — | — | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — | — | — |
| Net margin | 7.7% | 8.4% | 8.9% | 9.1% | 7.8% | 5.0% | 4.8% | 6.5% |
Company news
Jul 9, 2026
Jul 8, 2026
Jul 3, 2026
Analyst estimates
Coming soonConsensus revenue & EPS estimates and price targets will appear here once a forward-estimates data feed is connected.
Insider transactions
BoughtSoldMonthly insider $ volume · trailing 12 months
| Date | Insider | Type | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| 2026-07-01 | HANNA DAVID G· Executive Chairman | Sale | 15,676 | $104.26 | $1.6M | filing |
| 2026-07-01 | HANNA FRANK J III | Sale | 15,676 | $104.26 | $1.6M | filing |
| 2026-06-30 | Howard Jeffrey A.· President & CEO | Sale | 10,000 | $103.01 | $1.0M | filing |
| 2026-06-30 | McCamey William· Chief Financial Officer | Sale | 10,000 | $103.01 | $1.0M | filing |
| 2026-06-30 | HANNA FRANK J III | Sale | 8,319 | $103.08 | $857,522.52 | filing |
| 2026-06-30 | HANNA DAVID G· Executive Chairman | Sale | 8,319 | $103.08 | $857,522.52 | filing |
| 2026-06-29 | Saunders Mitchell· Chief Accounting Officer | Sale | 10,000 | $102.20 | $1.0M | filing |
| 2026-06-29 | HANNA FRANK J III | Sale | 1,005 | $105.00 | $105,525.00 | filing |
| 2026-06-29 | HANNA DAVID G· Executive Chairman | Sale | 1,005 | $105.00 | $105,525.00 | filing |
| 2026-06-26 | McCamey William· Chief Financial Officer | Sale | 10,000 | $109.45 | $1.1M | filing |
| 2026-06-26 | Howard Jeffrey A.· President & CEO | Sale | 10,000 | $109.45 | $1.1M | filing |
| 2026-06-12 | HANNA DAVID G· Executive Chairman | Gift | 100,000 | $0.00 | $0.00 | filing |
| 2026-06-12 | HANNA FRANK J III | Gift | 100,000 | $0.00 | $0.00 | filing |
| 2026-05-18 | Dickerson William Brinkley | Award | 1,050 | $0.00 | $0.00 | filing |
| 2026-05-18 | Paulson Blake | Award | 1,050 | $0.00 | $0.00 | filing |
| 2026-03-20 | Howard Jeffrey A.· President & CEO | Tax withholding | 474 | $54.67 | $25,913.58 | filing |
| 2026-03-20 | McCamey William· Chief Financial Officer | Tax withholding | 330 | $54.67 | $18,041.10 | filing |
| 2026-03-20 | Saunders Mitchell· Chief Accounting Officer | Tax withholding | 70 | $54.67 | $3,826.90 | filing |
| 2026-03-19 | Howard Jeffrey A.· President & CEO | Award | 74,294 | $0.00 | $0.00 | filing |
| 2026-03-19 | McCamey William· Chief Financial Officer | Award | 18,574 | $0.00 | $0.00 | filing |
| 2026-03-19 | Saunders Mitchell· Chief Accounting Officer | Award | 929 | $0.00 | $0.00 | filing |
| 2026-03-19 | Saunders Mitchell· Chief Accounting Officer | Award | 3,715 | $0.00 | $0.00 | filing |
| 2026-03-13 | Howard Jeffrey A.· President & CEO | Tax withholding | 2,885 | $47.96 | $138,364.60 | filing |
| 2026-03-13 | McCamey William· Chief Financial Officer | Tax withholding | 2,018 | $47.96 | $96,783.28 | filing |
| 2026-03-13 | Saunders Mitchell· Chief Accounting Officer | Tax withholding | 152 | $47.96 | $7,289.92 | filing |
Showing the latest 25 transactions — full history in the linked SEC filings.
Fundamentals & filings from SEC EDGAR. Prices adjusted for splits & dividends. Not investment advice.