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Atlanticus Holdings Corporation ATLC Finance charge income

Finance charge income at other companies

Consumer Portfolio Services logo
Consumer Portfolio ServicesCPSS
$118.11M+12.1%
Enova International logo
Enova InternationalENVA
——

Segments

By segment

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Auto Finance$9.58M+4.7%

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+63.5%
Enterprise value$1.16B+58.3%
P/E11×+2.6×
P/S2.3×+0.1×

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 / equity0×0.0×

Where this comes from

Reported directly by Atlanticus Holdings Corporation in its filing.

Tagged under the XBRL concept us-gaap:InterestAndFeeIncomeLoansConsumer.

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
Revenue and other income:
Consumer loans, including past due fees$535,507$9,579$545,086
Fees and related income on earning assets150,548330150,878
Other revenue48,14720348,350
Total operating revenue and other income734,20210,112744,314
Other non-operating income9—9
Total revenue and other income734,21110,112744,323
Interest expense(123,082)(349)(123,431)

Document

FAQ

What is Atlanticus Holdings Corporation's finance charge income?
Atlanticus Holdings Corporation (ATLC) reported finance charge income of $545.09M in Q2 2026.
How has Atlanticus Holdings Corporation's finance charge income changed year-over-year?
Atlanticus Holdings Corporation's finance charge income increased by 97.2% year-over-year, from $276.35M to $545.09M.
What is the long-term trend for Atlanticus Holdings Corporation's finance charge income?
Over 4 years (2021 to 2025), Atlanticus Holdings Corporation's finance charge income has grown at a 28.3% compound annual growth rate (CAGR), from $518.78M to $1.4B.
What does finance charge income mean?
Represents the interest and finance charges earned from consumer loan portfolios. This metric reflects the core revenue generation from lending activities to the underserved consumer market. It is a primary indicator of the scale and yield of the company's consumer credit business.

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