stockportfolio.pro
Atlanticus Holdings Corporation (ATLC)
Financial Services · Credit Services · NasdaqGS
Atlanticus Holdings Corporation revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $0 | $5.27M | $5.56M | $455.20M | $563.41M | $748.06M | $292.56M | $256.34M | $299.40M | $402.60M |
| Gross profit | — | $-26.26M | $-31.59M | $405.74M | $500.36M | $672.66M | $197.14M | $155.72M | $181.00M | $241.75M |
| Net income | $-6.33M | $-40.78M | $7.86M | $26.44M | $94.12M | $177.90M | $135.60M | $102.84M | $111.30M | $122.20M |
| Net margin | — | -773.4% | 141.4% | 5.8% | 16.7% | 23.8% | 46.3% | 40.1% | 37.2% | 30.4% |
Source: Atlanticus Holdings Corporation SEC filings (10-K). 16 years of history available in the interactive view.
What growth is priced into ATLC stock?
At today's market cap of $1.27B, Atlanticus Holdings Corporation is priced for free-cash-flow growth of about -28.6% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $632.94M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 44.7%/yr over the last five fiscal years and revenue -6.5%/yr, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 16 years of Atlanticus Holdings Corporation financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
Open the interactive view — freeOr start a 7-day free trial to track ATLC in your portfolio →
Atlanticus Holdings Corporation financial history by metric
About Atlanticus Holdings Corporation
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.
Atlanticus Holdings Corporation — frequently asked questions
What is Atlanticus Holdings Corporation's revenue?
Atlanticus Holdings Corporation (ATLC) reported revenue of $402.60M for fiscal year 2025, up 34.5% from the prior year, according to its SEC filings.
Is Atlanticus Holdings Corporation profitable?
Yes. ATLC earned net income of $122.20M in fiscal 2025, a net margin of 30.4%.
What is ATLC's P/E ratio?
Atlanticus Holdings Corporation trades at a price-to-earnings ratio of about 10.9 based on the latest data in our nightly-refreshed cache.
How fast is Atlanticus Holdings Corporation growing?
ATLC's revenue grew at roughly -6.5% per year over the last five fiscal years (compound annual growth rate), computed from SEC-filed statements.
How much debt does Atlanticus Holdings Corporation have?
As of fiscal year 2025, ATLC carried roughly $6.52B in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is Atlanticus Holdings Corporation's gross margin?
ATLC's gross margin was 60.0% in fiscal 2025 — gross profit of $241.75M on revenue of $402.60M.
What is Atlanticus Holdings Corporation's market cap?
Atlanticus Holdings Corporation (ATLC) has a market capitalization of about $1.27B, based on the latest data in our nightly-refreshed cache.
When does Atlanticus Holdings Corporation's fiscal year end?
ATLC's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into ATLC stock?
At today's market cap of $1.27B, Atlanticus Holdings Corporation is priced for free-cash-flow growth of about -28.6% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $632.94M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 44.7%/yr over the last five fiscal years and revenue -6.5%/yr, computed from its SEC filings.
Where does this data come from?
All figures are computed from Atlanticus Holdings Corporation's official SEC filings (10-K and 10-Q), covering 16 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.