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Atlanticus Holdings Corporation ATLC Q4 2025 Annual earnings

Reported March 12, 2026 · After market close

Revenue$734.4MBeat by $42.6M
EPS$1.75Beat by $0.16
Revenue estimate$691.7M
EPS estimate$1.59

Next report

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

Financials

Q4 2025

Income statement

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Revenue$175.9M+49.7%
Gross profit$120.3M+47.3%
Net income$35.1M+12.2%
EPS (diluted)$1.75+23.2%

Balance sheet

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Cash & equivalents$621.1M+65.4%
Total debt$25.3M+4.5%
Total equity$608.7M+23.5%
Total assets$7.6B+133%

Cash flow

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Operating cash flow$266.3M+117%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$1.01B—
Enterprise value$417.92M—
P/E8.3×—
P/S1.8×—

Profitability

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Gross margin71.1%+0.6pp
Net margin21.9%-5.8pp

Returns & leverage

See full
Return on equity22.2%-2.9pp
Debt / equity0×0.0×

Segments

By product

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Merchant Fees$46.4M+48.0%
Other Revenue$39.8M+125%
Service Charges And Other Customer Related Fees Other Revenue$19.2M+106%
Interchange Revenues Other Revenue$13.1M+170%
Servicing Income Other Revenue$7.4M+113%

By segment

See full
Auto Finance$223.0K+19.3%

Versus estimates

Revenue

Q1 2026$679.5MMiss by $69.8M
Q4 2025$734.4MBeat by $42.6M
Q3 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 $0.16
Q3 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 Q4 2025 earnings?
Atlanticus Holdings Corporation (ATLC) reported Q4 2025 earnings on March 12, 2026 after market close.
What were Atlanticus Holdings Corporation's Q4 2025 revenue and EPS?
Atlanticus Holdings Corporation reported revenue of $734.4M and eps of $1.75 for Q4 2025.
Did Atlanticus Holdings Corporation beat estimates in Q4 2025?
Revenue beat the consensus estimate of $691.7M by $42.6M. EPS beat the consensus estimate of $1.59 by $0.16.
How did Atlanticus Holdings Corporation's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 107.7% from $353.5M a year earlier and eps grew 23.2% from $1.42.
Where can I find Atlanticus Holdings Corporation's Q4 2025 SEC filings?
You can read the 10-K periodic report (0001437749-26-007972) directly on SEC EDGAR. The filing index links above go to sec.gov.