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Atlanticus Holdings Corporation ATLC Q3 2025 earnings

Reported November 10, 2025 · Before market open

Revenue$178.8MMiss by $513.0M
EPS$1.48Beat by $0.14
Revenue estimate$691.8M
EPS estimate$1.34

Next report

Nov 9, 2026 (in 2 months)
Revenue estimate$772.6M
EPS estimate$2.70

Financials

Q3 2025

Income statement

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Revenue$140.8M+40.3%
Gross profit$101.8M+40.8%
Net income$25.0M-15.5%
EPS (diluted)$1.21-4.7%

Balance sheet

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Cash & equivalents$425.0M+37.7%
Total debt$25.9M+33.3%
Total equity$589.3M+28.8%
Total assets$7.1B+133%

Cash flow

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Operating cash flow$107.5M-4.4%

Valuation & ratios

Valuation

as of 09/30/25
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Market cap$886.05M—
Enterprise value$486.95M—
P/E7.5×—
P/S1.8×—

Profitability

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Gross margin71.7%+0.8pp
Net margin23.7%-4.6pp

Returns & leverage

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Return on equity22.6%-2.9pp
Debt / equity0×0.0×

Segments

By product

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Merchant Fees$54.6M+19.0%
Service Charges And Other Customer Related Fees Other Revenue$15.2M+70.3%
Interchange Revenues Other Revenue$8.6M+71.0%
Servicing Income Other Revenue$6.8M+122%

By segment

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Auto Finance$187.0K-6.0%

FAQ

When did Atlanticus Holdings Corporation report Q3 2025 earnings?
Atlanticus Holdings Corporation (ATLC) reported Q3 2025 earnings on November 10, 2025 before market open.
What were Atlanticus Holdings Corporation's Q3 2025 revenue and EPS?
Atlanticus Holdings Corporation reported revenue of $178.8M and eps of $1.48 for Q3 2025.
Did Atlanticus Holdings Corporation beat estimates in Q3 2025?
Revenue missed the consensus estimate of $691.8M by $513.0M. EPS beat the consensus estimate of $1.34 by $0.14.
How did Atlanticus Holdings Corporation's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 49.1% from $351.2M a year earlier and eps grew 16.5% from $1.27.
Where can I find Atlanticus Holdings Corporation's Q3 2025 SEC filings?
You can read the 10-Q periodic report (0001437749-25-033947) directly on SEC EDGAR. The filing index links above go to sec.gov.