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Atlanticus Holdings Corporation ATLC Q2 2025 earnings

Reported August 7, 2025 · Before market open

Revenue$394.2MBeat by $20.3M
EPS$1.51Beat by $0.21
Revenue estimate$373.9M
EPS estimate$1.30

Next report

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

Financials

Q2 2025

Income statement

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Revenue$122.3M+35.8%
Gross profit$88.2M+41.4%
Net income$30.6M+25.9%
EPS (diluted)$1.51+52.5%

Balance sheet

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Cash & equivalents$329.4M-6.1%
Total debt$24.0M+21.9%
Total equity$563.3M+29.9%
Total assets$3.6B+28.4%

Cash flow

See full
Operating cash flow$132.7M+14.7%

Valuation & ratios

Valuation

as of 06/30/25
See full
Market cap$779.15M—
Enterprise value$473.71M—
P/E6.3×—
P/S1.7×—

Profitability

See full
Gross margin71.6%+1.0pp
Net margin26.8%-1.2pp

Returns & leverage

See full
Return on equity24.7%-0.9pp
Debt / equity0×0.0×

Segments

By product

See full
Merchant Fees$62.5M+46.1%
Other Revenue$23.2M+68.2%
Service Charges And Other Customer Related Fees Other Revenue$11.6M+66.7%
Interchange Revenues Other Revenue$6.0M+24.9%
Servicing Income Other Revenue$5.6M+175%

By segment

See full
Auto Finance$173.0K-16.0%

Versus estimates

Revenue

Q1 2026$679.5MMiss by $69.8MQ4 2025$734.4MBeat by $42.6MQ3 2025$178.8MMiss by $513.0M
Q2 2025$394.2MBeat by $20.3M
Q1 2025$345.2MMiss by $2.1MQ4 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 $0.14
Q2 2025$1.51Beat by $0.21
Q1 2025$1.49Beat by $0.16Q4 2024$1.42Beat by $0.21

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Questions, answered.

When did Atlanticus Holdings Corporation report Q2 2025 earnings?
Atlanticus Holdings Corporation (ATLC) reported Q2 2025 earnings on August 7, 2025 before market open.
What were Atlanticus Holdings Corporation's Q2 2025 revenue and EPS?
Atlanticus Holdings Corporation reported revenue of $394.2M and eps of $1.51 for Q2 2025.
Did Atlanticus Holdings Corporation beat estimates in Q2 2025?
Revenue beat the consensus estimate of $373.9M by $20.3M. EPS beat the consensus estimate of $1.30 by $0.21.
How did Atlanticus Holdings Corporation's Q2 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 24.7% from $316.0M a year earlier and eps grew 52.5% from $0.99.
Where can I find Atlanticus Holdings Corporation's Q2 2025 SEC filings?
You can read the 10-Q periodic report (0001437749-25-025502) directly on SEC EDGAR. The filing index links above go to sec.gov.