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Atlanticus Holdings Corporation

ATLC

Atlanticus is a financial technology company that provides inclusive financial solutions for underserved consumers in the United States.

Market cap
$1.58B+65.9%
Revenue$628.7M+47.5%
Net income$134.9M+15.6%
EPS (diluted)$6.70+29.6%
Trailing twelve months · change vs. prior year

Earnings

Next report

Aug 6, 2026 (In 1 week)
Revenue estimate$716.3M
EPS estimate$2.42

Financials

Q1 2026

Income statement

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Revenue$189.7M+60.5%
Gross profit$144.8M+68.2%
Net income$44.2M+40.1%
EPS (diluted)$2.23+49.7%

Balance sheet

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Cash & equivalents$651.1M+85.8%
Total debt$24.5M+1.3%
Total equity$648.4M+21.7%
Total assets$7.5B+128%

Cash flow

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Operating cash flow$286.3M+118%

Valuation & ratios

Valuation

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Market cap$1.58B+65.9%
Enterprise value$948.62M+52.4%
P/E11.7×+4.1×
P/S2.5×+0.5×

Profitability

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Gross margin72.4%+1.4pp
Net margin21.5%-5.9pp

Returns & leverage

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Return on equity22.8%-1.8pp
Debt / equity0.0×

Segments

By product

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Other Revenue$39.7M+110%
Merchant Fees$32.3M-4.0%
Service Charges And Other Customer Related Fees Other Revenue$20.1M+101%
Interchange Revenues Other Revenue$10.8M+131%
Servicing Income Other Revenue$8.7M+110%

By segment

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Auto Finance$212.0K+18.4%

Competitors

Profile

Atlanticus is a financial technology company that provides inclusive financial solutions for underserved consumers in the United States. The company leverages proprietary data, machine learning, and predictive analytics to power credit decisioning and support services for bank partners. Its core value proposition lies in enabling access to credit for 'Everyday Americans' who are often overlooked by traditional financial institutions due to lower credit scores.

Competitive position

A leading provider of credit solutions for consumers with FICO scores below 700, leveraging over 30 years of historical data and a top 25 credit card program.

GeographiesUnited States
Customer segmentsNear-prime consumers, Underserved populations, Retail merchants, Healthcare providers
Business modelB2B2C, Technology-enabled services, Asset-backed lending, Program management
SuppliersBank partners for loan origination, Credit bureaus for data inputs, Debt financing providers, Technology and cloud infrastructure providers
CustomersNear-prime retail consumers, Healthcare patients, Used car buyers, Retail merchant partners
Listed1999
Employees417.0
CEOJeffrey A. Howard
FilingsSEC EDGAR

Questions, answered.

What is Atlanticus Holdings Corporation's market cap?
Atlanticus Holdings Corporation (ATLC) has a market capitalization of $1.6B and trades on NASDAQ.
What is Atlanticus Holdings Corporation's revenue and profitability?
Atlanticus Holdings Corporation generated $628.7M in trailing twelve-month revenue with net income of $134.9M, representing a net margin of 21.5%. Gross margin stands at 72.4%. These figures are based on the Q1 2026 filing.
Who are Atlanticus Holdings Corporation's competitors?
Atlanticus Holdings Corporation's key competitors include Credit Acceptance Corporation, Apple, PayPal, and others. These companies compete in similar markets and product categories.
Who does Atlanticus Holdings Corporation partner with?
Atlanticus Holdings Corporation's notable partners include The Bank of Missouri, WebBank, First Bank and Trust, and others.
What subsidiaries does Atlanticus Holdings Corporation have?
Atlanticus Holdings Corporation's subsidiaries include Mercury, CAR.
Where is Atlanticus Holdings Corporation headquartered?
Atlanticus Holdings Corporation is headquartered in United States of America and employs approximately 417 people. It has been publicly traded since 1999.