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Atlanticus Holdings Corporation ATLC Q1 2025 Annual earnings

Reported May 8, 2025 · Before market open

Revenue$345.2MMiss by $2.1M
EPS$1.49Beat by $0.16
Revenue estimate$347.2M
EPS estimate$1.33

Next report

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

Financials

Q1 2025

Income statement

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Revenue$118.2M+26.4%
Gross profit$86.1M+29.0%
Net income$31.5M+20.4%
EPS (diluted)$1.49+36.7%

Balance sheet

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Cash & equivalents$350.4M-21.2%
Total debt$24.1M+20.5%
Total equity$532.7M+28.0%
Total assets$3.3B+17.4%

Cash flow

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Operating cash flow$131.6M+10.8%

Valuation & ratios

Profitability

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Gross margin71%-0.6pp
Net margin27.4%-1.0pp

Returns & leverage

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Return on equity24.6%-2.4pp
Debt / equity0×0.0×

Segments

By product

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Merchant Fees$33.6M+38.4%
Other Revenue$18.9M+58.7%
Service Charges And Other Customer Related Fees Other Revenue$10.0M+76.0%
Interchange Revenues Other Revenue$4.7M+0.9%
Servicing Income Other Revenue$4.1M+170%

By segment

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Auto Finance$179.0K-17.5%

Versus estimates

Revenue

Q1 2026$679.5MMiss by $69.8MQ4 2025$734.4MBeat by $42.6MQ3 2025$178.8MMiss by $513.0MQ2 2025$394.2MBeat by $20.3M
Q1 2025$345.2MMiss by $2.1M
Q4 2024$353.5MMiss by $1.5M

Diluted EPS

Q1 2026$2.23Beat by $0.54Q4 2025$1.75Beat by $0.16Q3 2025$1.48Beat by $0.14Q2 2025$1.51Beat by $0.21
Q1 2025$1.49Beat by $0.16
Q4 2024$1.42Beat by $0.21

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Questions, answered.

When did Atlanticus Holdings Corporation report Q1 2025 earnings?
Atlanticus Holdings Corporation (ATLC) reported Q1 2025 earnings on May 8, 2025 before market open.
What were Atlanticus Holdings Corporation's Q1 2025 revenue and EPS?
Atlanticus Holdings Corporation reported revenue of $345.2M and eps of $1.49 for Q1 2025.
Did Atlanticus Holdings Corporation beat estimates in Q1 2025?
Revenue missed the consensus estimate of $347.2M by $2.1M. EPS beat the consensus estimate of $1.33 by $0.16.
How did Atlanticus Holdings Corporation's Q1 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 18.7% from $290.7M a year earlier and eps grew 36.7% from $1.09.
Where can I find Atlanticus Holdings Corporation's Q1 2025 SEC filings?
You can read the 10-K/A periodic report (0001437749-25-009919) directly on SEC EDGAR. The filing index links above go to sec.gov.