Symbols / ATLCP Stock $23.98 +0.33% Atlanticus Holdings Corporation

Financial Services • Credit Services • United States • NMS
ATLCP (Stock) Chart
O: — H: — L: — C: — V: —
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Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Credit Services
CEO Mr. Jeffrey A. Howard
Exch · Country NMS · United States
Market Cap —
Enterprise Value 6.10B
Income 125.72M
Sales 628.89M
FCF (ttm) —
Book/sh 42.98
Cash/sh 43.07
Employees 576
Insider 10d —
IPO Jun 14, 2021
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout —
P/E 3.15
Forward P/E —
PEG —
P/S —
P/B 0.56
P/C —
EV/EBITDA —
EV/Sales 9.70
Quick Ratio 14.22
Current Ratio 14.67
Debt/Eq 929.03
LT Debt/Eq —
EPS (ttm) 7.61
EPS next Y —
EPS Growth 50.20%
Revenue Growth 60.80%
EPS Gr Q/Q 40.10%
Rev Gr Q/Q —
Earnings (next) —
Earnings (prior) —
ROA 2.50%
ROE 21.40%
ROIC —
Gross Margin 72.39%
Oper. Margin 31.00%
Profit Margin 21.44%
Shs Outstand —
Shs Float 5.15M
Insider Own 0.00%
Instit Own 3.94%
Short Float —
Short Ratio 0.42
Short Interest 3.55K
52W High 25.00
vs 52W High -4.08%
52W Low 20.46
vs 52W Low 17.20%
Beta 2.15
Impl. Vol. —
Rel Volume 0.37
Avg Volume 5.75K
Volume 2.14K
Target (mean) —
Tgt Median —
Tgt Low —
Tgt High —
# Analysts —
Recom None
Prev Close $23.90
Price $23.98
Change 0.33%
About

Atlanticus Holdings Corporation, a financial technology company, provides products and services to lenders in the United States. The company operates in two segments, Credit as a Service (CaaS) and Auto Finance. Its CaaS segment offers private label credit products associated with the healthcare space under the Curae brand, as well as consumer electronics, furniture, elective medical procedures, and home-improvement under the Fortiva brand and its retail partners' brands; and general-purpose credit cards under the Aspire, Imagine, Mercury, and Fortiva brand names. The company's private label and general-purpose credit cards originated from its bank partners through various channels, including retail and healthcare point-of-sale locations, direct mail solicitation, and digital marketing and partnerships with third parties. This segment also offers loan servicing, such as risk management and customer service outsourcing for third parties, as well as engages in other product testing and investments. The Auto Finance segment purchases and/or services loans secured by automobiles from or for a pre-qualified network of independent automotive dealers and automotive finance companies in the buy-here and pay-here used car business. This segment also provides floor plan financing and installment lending products. The company was founded in 1996 and is headquartered in Atlanta, Georgia.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
—
Mean price target
2. Current target
$23.98
Latest analyst target
3. DCF / Fair value
$114.14
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$23.98
Low
—
High
—
Mean
—
News
RSS: Latest ATLCP news
Insider Transactions

No recent insider transactions.

Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
402.60
+34.47%
299.40
+16.80%
256.34
-12.38%
292.56
Operating Revenue
402.60
+34.47%
299.40
+16.80%
256.34
-12.38%
292.56
Selling General And Administration
182.84
+71.95%
106.33
+10.38%
96.33
-8.67%
105.47
Selling And Marketing Expense
113.27
+101.59%
56.19
+7.18%
52.42
-16.00%
62.40
General And Administrative Expense
69.57
+38.75%
50.14
+14.21%
43.91
+1.96%
43.06
Salaries And Wages
69.57
+38.75%
50.14
+14.21%
43.91
+1.96%
43.06
Reconciled Depreciation
9.90
+90.78%
5.19
+28.30%
4.04
-16.60%
4.85
Total Unusual Items
—
—
—
0.00
Total Unusual Items Excluding Goodwill
—
—
—
0.00
Special Income Charges
—
—
—
0.00
Net Income
122.20
+9.80%
111.30
+8.22%
102.84
-24.15%
135.60
Pretax Income
159.71
+15.25%
138.58
+7.79%
128.56
-13.88%
149.27
Net Interest Income
1,101.74
+34.42%
819.64
+6.48%
769.78
+9.28%
704.38
Interest Expense
301.90
+88.49%
160.17
+46.49%
109.34
+33.59%
81.85
Interest Income
1,403.65
+43.26%
979.81
+11.45%
879.12
+11.81%
786.24
Gain On Sale Of Security
—
—
—
—
Tax Provision
39.10
+37.35%
28.47
+7.02%
26.60
+81.47%
14.66
Tax Rate For Calcs
0.00
+18.63%
0.00
-0.97%
0.00
+110.20%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
120.61
+9.54%
110.11
+8.00%
101.95
-24.26%
134.61
Net Income From Continuing Operation Net Minority Interest
122.20
+9.80%
111.30
+8.22%
102.84
-24.15%
135.60
Net Income From Continuing And Discontinued Operation
122.20
+9.80%
111.30
+8.22%
102.84
-24.15%
135.60
Net Income Continuous Operations
120.61
+9.54%
110.11
+8.00%
101.95
-24.26%
134.61
Minority Interests
1.59
+34.03%
1.19
+33.56%
0.89
-9.54%
0.98
Normalized Income
122.20
+9.80%
111.30
+8.22%
102.84
-24.15%
135.60
Net Income Common Stockholders
111.80
+27.96%
87.37
+12.52%
77.65
-29.74%
110.52
Diluted NI Availto Com Stockholders
114.20
+27.21%
89.77
+12.14%
80.05
-29.11%
112.92
Average Dilution Earnings
2.40
+0.00%
2.40
+0.00%
2.40
+0.00%
2.40
Depreciation Amortization Depletion Income Statement
5.81
+113.92%
2.71
+6.05%
2.56
+17.70%
2.17
Depreciation And Amortization In Income Statement
5.81
+113.92%
2.71
+6.05%
2.56
+17.70%
2.17
Depreciation Income Statement
5.81
+113.92%
2.71
+6.05%
2.56
+17.70%
2.17
Other Non Interest Expense
48.00
+35.56%
35.41
+32.43%
26.74
-22.27%
34.40
Preferred Stock Dividends
10.41
-56.50%
23.93
-5.04%
25.20
+0.49%
25.08
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
7,623.09
+133.07%
3,270.71
+20.85%
2,706.45
+13.34%
2,387.81
Cash And Cash Equivalents
621.09
+65.44%
375.42
+10.63%
339.34
-11.86%
384.98
Prepaid Assets
—
—
—
27.42
Net PPE
27.69
+13.51%
24.40
+7.22%
22.75
+4.40%
21.80
Gross PPE
40.46
+19.88%
33.75
+13.71%
29.68
+12.62%
26.35
Accumulated Depreciation
-12.76
-36.51%
-9.35
-35.06%
-6.92
-51.89%
-4.56
Machinery Furniture Equipment
5.91
+11.14%
5.32
+28.53%
4.14
+11.12%
3.72
Other Properties
25.82
+15.67%
22.32
+14.08%
19.57
+1.96%
19.19
Leases
8.72
+42.89%
6.11
+2.24%
5.97
+73.76%
3.44
Goodwill And Other Intangible Assets
30.27
0.00
—
—
Other Intangible Assets
30.27
—
—
—
Investments And Advances
—
—
—
—
Long Term Equity Investment
—
—
—
—
Total Liabilities Net Minority Interest
7,019.26
+152.37%
2,781.34
+20.19%
2,314.03
+12.18%
2,062.77
Payables And Accrued Expenses
436.65
+134.56%
186.16
+26.24%
147.46
+40.41%
105.02
Payables
436.65
+134.56%
186.16
+26.24%
147.46
+40.41%
105.02
Accounts Payable
284.51
+294.68%
72.09
+16.96%
61.63
+39.03%
44.33
Total Tax Payable
152.14
+33.37%
114.07
+32.91%
85.83
+41.42%
60.69
Income Tax Payable
152.14
+33.37%
114.07
+32.91%
85.83
+41.42%
60.69
Long Term Debt And Capital Lease Obligation
6,542.61
+161.16%
2,505.19
+23.63%
2,026.32
+11.47%
1,817.80
Long Term Debt
6,517.32
+162.69%
2,481.00
+23.67%
2,006.14
+11.60%
1,797.69
Long Term Capital Lease Obligation
25.28
+4.53%
24.19
+19.86%
20.18
+0.34%
20.11
Preferred Securities Outside Stock Equity
40.00
-55.56%
90.00
-35.83%
140.25
+0.21%
139.95
Stockholders Equity
608.70
+23.49%
492.91
+24.89%
394.68
+20.91%
326.41
Common Stock Equity
608.70
+23.49%
492.91
+24.89%
394.68
+20.91%
326.41
Capital Stock
0.00
0.00
0.00
0.00
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
14.92
+0.12%
14.90
+2.06%
14.60
+1.04%
14.45
Ordinary Shares Number
14.92
+0.12%
14.90
+2.06%
14.60
+1.04%
14.45
Additional Paid In Capital
102.28
+4.07%
98.28
+12.43%
87.42
-28.35%
122.00
Retained Earnings
506.42
+28.33%
394.63
+28.43%
307.26
+50.31%
204.41
Minority Interest
-4.87
-37.45%
-3.54
-56.91%
-2.26
-64.70%
-1.37
Total Equity Gross Minority Interest
603.83
+23.39%
489.36
+24.70%
392.42
+20.73%
325.04
Total Capitalization
7,126.02
+139.62%
2,973.91
+23.87%
2,400.81
+13.03%
2,124.10
Invested Capital
7,126.02
+139.62%
2,973.91
+23.87%
2,400.81
+13.03%
2,124.10
Total Debt
6,542.61
+161.16%
2,505.19
+23.63%
2,026.32
+11.47%
1,817.80
Net Debt
5,896.23
+180.03%
2,105.58
+26.32%
1,666.80
+17.99%
1,412.71
Capital Lease Obligations
25.28
+4.53%
24.19
+19.86%
20.18
+0.34%
20.11
Net Tangible Assets
578.43
+17.35%
492.91
+24.89%
394.68
+20.91%
326.41
Tangible Book Value
578.43
+17.35%
492.91
+24.89%
394.68
+20.91%
326.41
Cash Cash Equivalents And Federal Funds Sold
767.41
+53.59%
499.64
+30.23%
383.65
-11.44%
433.19
Preferred Shares Number
3.58
+8.57%
3.30
+1.37%
3.26
+1.62%
3.20
Preferred Stock Equity
—
—
—
40.00
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
637.96
+35.91%
469.40
+2.20%
459.32
+32.13%
347.63
Cash Flow From Continuing Operating Activities
637.96
+35.91%
469.40
+2.20%
459.32
+32.13%
347.63
Net Income From Continuing Operations
120.61
+9.54%
110.11
+8.00%
101.95
-24.26%
134.61
Depreciation Amortization Depletion
9.90
+90.78%
5.19
+28.30%
4.04
-16.60%
4.85
Depreciation
9.90
+90.78%
5.19
+28.30%
4.04
-16.60%
4.85
Depreciation And Amortization
9.90
+90.78%
5.19
+28.30%
4.04
-16.60%
4.85
Other Non Cash Items
1,108.88
+50.89%
734.92
+6.58%
689.58
+19.50%
577.07
Stock Based Compensation
4.29
+10.21%
3.90
+3.01%
3.78
-9.22%
4.17
Deferred Tax
38.65
+26.76%
30.49
-19.38%
37.83
+80.33%
20.98
Deferred Income Tax
38.65
+26.76%
30.49
-19.38%
37.83
+80.33%
20.98
Operating Gains Losses
—
—
—
—
Gain Loss On Sale Of PPE
—
—
—
0.00
Change In Working Capital
-444.67
-62.46%
-273.70
-13.89%
-240.32
+8.70%
-263.21
Change In Receivables
-446.93
-65.58%
-269.91
-9.12%
-247.35
+2.12%
-252.70
Change In Payables And Accrued Expense
28.92
+10084.15%
0.28
-95.04%
5.73
+190.85%
-6.30
Change In Payable
28.92
+10084.15%
0.28
-95.04%
5.73
+190.85%
-6.30
Change In Account Payable
29.51
+1063.98%
2.54
-86.23%
18.41
+332.25%
4.26
Change In Other Working Capital
-23.16
-2083.22%
-1.06
-133.34%
3.18
+2152.90%
-0.15
Change In Other Current Liabilities
-3.50
-16.03%
-3.01
-61.09%
-1.87
+53.84%
-4.05
Investing Cash Flow
-1,511.86
-102.38%
-747.03
-11.13%
-672.20
+1.48%
-682.28
Cash Flow From Continuing Investing Activities
-1,511.86
-102.38%
-747.03
-11.13%
-672.20
+1.48%
-682.28
Net PPE Purchase And Sale
-5.02
-180.83%
-1.79
+55.19%
-3.99
+17.72%
-4.85
Purchase Of PPE
-5.02
-180.83%
-1.79
+55.19%
-3.99
+17.72%
-4.85
Sale Of PPE
—
—
—
0.00
Capital Expenditure
-5.02
-180.83%
-1.79
+55.19%
-3.99
+17.72%
-4.85
Net Investment Purchase And Sale
—
—
—
0.00
Purchase Of Investment
—
—
—
0.00
Sale Of Investment
—
—
—
0.00
Net Business Purchase And Sale
-72.86
0.00
—
—
Purchase Of Business
-72.86
0.00
—
—
Net Other Investing Changes
-1,433.98
-92.42%
-745.24
-11.53%
-668.21
+1.36%
-677.43
Financing Cash Flow
1,141.67
+190.05%
393.61
+140.97%
163.34
-37.48%
261.25
Cash Flow From Continuing Financing Activities
1,141.67
+190.05%
393.61
+140.97%
163.34
-37.48%
261.25
Net Issuance Payments Of Debt
1,204.13
+160.08%
462.98
+129.88%
201.40
-45.68%
370.77
Issuance Of Debt
3,935.20
+282.35%
1,029.22
+7.74%
955.28
+40.37%
680.53
Repayment Of Debt
-2,731.07
-382.31%
-566.24
+24.89%
-753.88
-143.38%
-309.75
Long Term Debt Issuance
3,935.20
+282.35%
1,029.22
+7.74%
955.28
+40.37%
680.53
Long Term Debt Payments
-2,731.07
-382.31%
-566.24
+24.89%
-753.88
-143.38%
-309.75
Net Long Term Debt Issuance
1,204.13
+160.08%
462.98
+129.88%
201.40
-45.68%
370.77
Net Common Stock Issuance
-57.98
-27.14%
-45.60
-158.02%
-17.67
+80.14%
-89.01
Common Stock Payments
-69.57
-32.07%
-52.67
-198.05%
-17.67
+80.14%
-89.01
Cash Dividends Paid
-12.43
+51.70%
-25.74
-3.34%
-24.91
-0.47%
-24.79
Repurchase Of Capital Stock
-69.57
-32.07%
-52.67
-198.05%
-17.67
+80.14%
-89.01
Proceeds From Stock Option Exercised
1.44
+45.83%
0.98
-71.10%
3.40
-8.74%
3.73
Net Other Financing Charges
0.27
+382.11%
-0.10
-2475.00%
0.00
-96.49%
0.11
Changes In Cash
267.77
+130.87%
115.98
+334.12%
-49.54
+32.51%
-73.40
Effect Of Exchange Rate Changes
—
0.00
-100.00%
0.00
+105.56%
-0.04
Beginning Cash Position
499.64
+30.23%
383.65
-11.44%
433.19
-14.50%
506.63
End Cash Position
767.41
+53.59%
499.64
+30.23%
383.65
-11.44%
433.19
Free Cash Flow
632.94
+35.35%
467.62
+2.70%
455.32
+32.83%
342.78
Interest Paid Supplemental Data
268.39
+84.25%
145.67
+46.47%
99.45
+31.97%
75.36
Income Tax Paid Supplemental Data
1.03
+351.53%
0.23
-84.39%
1.47
-65.47%
4.25
Change In Income Tax Payable
-0.58
+74.06%
-2.25
+82.26%
-12.69
-20.12%
-10.56
Change In Tax Payable
-0.58
+74.06%
-2.25
+82.26%
-12.69
-20.12%
-10.56
Common Stock Issuance
11.59
+63.83%
7.07
0.00
—
Earnings Losses From Equity Investments
—
—
—
0.00
Issuance Of Capital Stock
17.84
+118.67%
8.16
+629.52%
1.12
+155.84%
0.44
Net Preferred Stock Issuance
6.25
+477.26%
1.08
-3.22%
1.12
+155.84%
0.44
Preferred Stock Dividend Paid
-12.43
+51.70%
-25.74
-3.34%
-24.91
-0.47%
-24.79
Preferred Stock Issuance
6.25
+477.26%
1.08
-3.22%
1.12
+155.84%
0.44
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