Skip to content
OpenCapital
Get started

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

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

Financials

Q3 2025

Income statement

See full
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

See full
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

See full
Operating cash flow$107.5M-4.4%

Valuation & ratios

Valuation

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

Profitability

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

Returns & leverage

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

Segments

By product

See full
Merchant Fees$54.6M+19.0%
Other Revenue$30.6M+79.8%
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

See full
Auto Finance$187.0K-6.0%

Versus estimates

Revenue

Q1 2026$679.5MMiss by $69.8MQ4 2025$734.4MBeat by $42.6M
Q3 2025$178.8MMiss by $513.0M
Q2 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 $0.54Q4 2025$1.75Beat by $0.16
Q3 2025$1.48Beat by $0.14
Q2 2025$1.51Beat by $0.21Q1 2025$1.49Beat by $0.16Q4 2024$1.42Beat by $0.21

Ask the moment Atlanticus Holdings Corporation reports.

Connect your AI and ask the moment the filing drops. It reads the release, surfaces what management said, and gives you its own read.

Connect your AI
Harbor at dusk
Claude

Questions, answered.

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.