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Atlanticus Holdings Corporation ATLC Q1 2026 earnings

Reported May 7, 2026 · After market close

Revenue$679.5MMiss by $69.8M
EPS$2.23Beat by $0.54
Revenue estimate$749.4M
EPS estimate$1.69

Next report

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

Financials

Q1 2026

Income statement

See full
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

See full
Operating cash flow$286.3M+118%

Valuation & ratios

Valuation

as of 07/28/26
See full
Market cap$1.58B+69.8%
Enterprise value$948.62M+52.4%
P/E11.7×+4.1×
P/S2.5×+0.5×

Profitability

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

Returns & leverage

See full
Return on equity22.8%-1.8pp
Debt / equity0×0.0×

Segments

By product

See full
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

See full
Auto Finance$212.0K+18.4%

Versus estimates

Revenue

Q1 2026$679.5MMiss by $69.8M
Q4 2025$734.4MBeat by $42.6MQ3 2025$178.8MMiss by $513.0MQ2 2025$394.2MBeat by $20.3MQ1 2025$345.2MMiss by $2.1MQ4 2024$353.5MMiss by $1.5M

Diluted EPS

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

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Questions, answered.

When did Atlanticus Holdings Corporation report Q1 2026 earnings?
Atlanticus Holdings Corporation (ATLC) reported Q1 2026 earnings on May 7, 2026 after market close.
What were Atlanticus Holdings Corporation's Q1 2026 revenue and EPS?
Atlanticus Holdings Corporation reported revenue of $679.5M and eps of $2.23 for Q1 2026.
Did Atlanticus Holdings Corporation beat estimates in Q1 2026?
Revenue missed the consensus estimate of $749.4M by $69.8M. EPS beat the consensus estimate of $1.69 by $0.54.
How did Atlanticus Holdings Corporation's Q1 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 96.9% from $345.2M a year earlier and eps grew 49.7% from $1.49.
Where can I find Atlanticus Holdings Corporation's Q1 2026 SEC filings?
You can read the 10-Q periodic report (0001437749-26-015592) directly on SEC EDGAR. The filing index links above go to sec.gov.