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Atlanticus Holdings Corporation ATLC Auto Finance — Cost of Goods Sold

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Other financials

Income statement

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Revenue$223.6M+82.8%
Gross profit$165.7M+87.8%
Net income$49.7M+62.6%
EPS (diluted)$2.50+65.6%

Balance sheet

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Cash & equivalents$555.2M+68.5%
Total debt$23.6M-1.7%
Total equity$701.9M+24.6%
Total assets$7.5B+106%

Cash flow

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Operating cash flow$276.9M+109%

Valuation

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Market cap$1.69B+82.1%
Enterprise value$1.16B+86.1%
P/E11×+3.4×
P/S2.3×+0.3×

Profitability

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Gross margin73%+1.3pp
Net margin21.1%-5.7pp
FCF margin72.3%

Returns & leverage

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Return on equity24.3%-0.3pp
Debt / equity0.0×

Where this comes from

Reported directly by Atlanticus Holdings Corporation in its filing.

Tagged under the XBRL concept us-gaap:CostOfGoodsAndServicesSold.

The source filing: Atlanticus Holdings Corporation’s 10-Q, filed August 6, 2026.

Filed
Aug 6, 2026, 4:17 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001437749-26-026279
Three Months Ended June 30, 2026Caa SAuto FinanceTotal
Net margin214,4639,111223,574
Operating expenses:
Salaries and benefits(25,978)(1,272)(27,250)
Card and loan servicing(54,408)(3,455)(57,863)
Marketing and solicitation(48,047)(83)(48,130)
Depreciation and amortization(3,573)(19)(3,592)
Other(19,477)(1,255)(20,732)
Total operating expenses(151,483)(6,084)(157,567)

Document

FAQ

What is Atlanticus Holdings Corporation's auto finance — cost of goods sold?
Atlanticus Holdings Corporation (ATLC) reported auto finance — cost of goods sold of $3.46M in Q2 2026.
How has Atlanticus Holdings Corporation's auto finance — cost of goods sold changed year-over-year?
Atlanticus Holdings Corporation's auto finance — cost of goods sold increased by 4.0% year-over-year, from $3.32M to $3.46M.
What is the long-term trend for Atlanticus Holdings Corporation's auto finance — cost of goods sold?
Over 2 years (2023 to 2025), Atlanticus Holdings Corporation's auto finance — cost of goods sold has grown at a 1.2% compound annual growth rate (CAGR), from $12.85M to $13.15M.
What does auto finance — cost of goods sold mean?
This represents the direct costs attributable to the production or delivery of financial services within the auto finance segment. It reflects the variable expenses necessary to originate and service auto loans, providing insight into the direct cost structure of the business.

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