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Atlanticus Holdings Corporation (ATLC)

Profile

Full Name

Atlanticus Holdings Corporation

Ticker

NASDAQ: ATLC

Exchange

NASDAQ

Sector

Financial Services

Industry

Credit Services

Country

United States

IPO

April 23, 1999

Indexes

Not included

Website

https://www.atlanticus.com

Employees

417

Key Details

Price

$77.19(+6.96%)

Market cap

Last Dividend

$0.50

TTM Dividend yield

-

Annual revenue

$1.31B(+13.46% YoY)

Annual EPS

$4.77(+12.50% YoY)

PE ratio

13.57

Next earnings date

Nov 6, 2025

Next ex-dividend date

N/A

Next split date

N/A

Quick Search

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    See Full Chart & Historical Data

    Analyst ratings

    Price

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    Current Price

    $77.19
    ATLC price is $77.19

    30-Day Relative Volume

    2.06
    ATLC 30-day relative volume is 2.06

    Price Performance

    Price Today change

    +6.96%
    ATLC price is up +6.96% today

    Price YTD change

    +38.38%
    ATLC price is up +38.38% since January 1st

    Price 1-year change

    +145.83%
    ATLC price is up +145.83% year-on-year

    Price 3-year change

    +159.99%
    ATLC price is up +159.99% over the past 3 years

    Price Range

    Price All-time high

    $91.98
    ATLC price is currently -16.08% below its historical high of $91.98

    Price 3-year low

    $21.65
    ATLC price is currently +256.54% above its 3-year low

    Capitalization

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    Market cap

    Market cap

    $1.17B
    ATLC market capitalization is $1.17 billion

    Market cap 3-year change

    +171.58%
    ATLC market capitalization is up +171.58% over the past 3 years

    Market cap All-time high

    $3.05B
    ATLC market capitalization is currently -61.72% below its historical high of $3.05 billion

    Market cap sector rank

    63.65%
    ATLC market capitalization is higher than 63.65% of companies in Financial Services sector

    Shares Outstanding

    Shares Outstanding 1-Year Change

    +2.58%
    ATLC shares outstanding is up +2.58% year-on-year

    Shares Outstanding 3-Year Change

    +4.46%
    ATLC shares outstanding is up +4.46% over the past 3 years

    Technical Indicators

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    Beta

    1.56
    ATLC beta is 1.56

    200-day SMA

    $55.39
    ATLC price is currently +39.36% above its 200-day simple moving average

    50-day SMA

    $58.76
    ATLC price is currently +31.36% above its 50-day simple moving average

    RSI

    77.05
    ATLC 14-day relative strength index is 77.05

    Volume

    2.06
    ATLC 30-day relative volume is 2.06

    ATR

    $2.47
    ATLC average true range is $2.47

    10-day Historical Volatility

    35.73%
    ATLC 10-day historical volatility is 35.73%

    Dividend

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    Events

    Last Paid Dividend

    $0.50
    ATLC last dividend was $0.50 per share, with an ex-dividend date of December 29, 2009

    Next Dividend

    -
    ATLC next dividend has not yet been announced

    Dividend per share

    Dividend per share

    -
    ATLC annual dividend per share value is unknown

    Dividend per share Sector Rank

    -
    ATLC annual dividend per share is unknown

    Dividend per share 1-Year Change

    -
    ATLC annual dividend per share 1-year change is unknown

    Dividend per share 3-Year Change

    -
    ATLC annual dividend per share 3-year change is unknown

    Dividend yield

    Dividend yield

    -
    ATLC annual dividend yield value is unknown

    Dividend yield Sector Rank

    -
    ATLC annual dividend yield is unknown

    Other

    Payout ratio

    -23.38%
    ATLC annual payout ratio is -23.38%

    Dividends paid

    -$25.74M
    ATLC annual dividends paid is -$25.74 million

    Free cash flow

    $467.62M
    ATLC annual free cash flow is $467.62 million

    Income Statement

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    Revenue

    Revenue

    $1.31B
    ATLC annual revenue is $1.31 billion

    Revenue Analysts estimate

    $1.61B
    ATLC annual revenue is currently -18.42% lower than the consensus analysts' forecast

    Revenue 1-year change

    +13.46%
    ATLC annual revenue is up +13.46% year-on-year

    Revenue Sector rank

    81.24%
    ATLC annual revenue is higher than 81.24% of companies in Financial Services sector

    EPS

    EPS

    $4.77
    ATLC annual earnings per share is $4.77

    EPS Analysts estimate

    $6.19
    ATLC annual earnings per share is currently -22.91% lower than the consensus analysts' forecast

    EPS 1-year change

    +12.5%
    ATLC annual earnings per share is up +12.5% year-on-year

    EPS Sector rank

    85.4%
    ATLC annual earnings per share is higher than 85.4% of companies in Financial Services sector

    Profit

    Gross profit

    $1.19B
    ATLC annual gross profit is $1.19 billion

    Gross margin

    90.76%
    ATLC annual gross profit margin is 90.76%

    Operating profit

    $298.75M
    ATLC annual operating income is $298.75 million

    Operating margin

    22.78%
    ATLC annual operating profit margin is 22.78%

    Net income

    $110.11M
    ATLC annual net profit is $110.11 million

    Net margin

    8.40%
    ATLC annual net profit margin is 8.40%

    Expenses

    Total expenses

    $1.20B
    ATLC annual total expenses is $1.20 billion

    Operating expenses

    $109.04M
    ATLC annual total operating expenses is $109.04 million

    Cost of goods sold

    $121.11M
    ATLC annual cost of goods sold is $121.11 million

    Selling, general & administrative expenses

    $106.33M
    ATLC annual SGA is $106.33 million

    Depreciation and amortization

    $5.19M
    ATLC annual depreciation & amortization is $5.19 million

    Interest expense

    $160.17M
    ATLC annual interest expense is $160.17 million

    Income tax

    $28.47M
    ATLC annual income tax is $28.47 million

    EBIT & EBITDA

    EBIT

    $298.75M
    ATLC annual earnings before interest & taxes is $298.75 million

    EBITDA

    $317.83M
    ATLC annual EBITDA is $317.83 million

    Balance Sheet

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    Assets

    Total assets

    $3.27B
    ATLC annual total assets is $3.27 billion

    Non current assets

    $2.77B
    ATLC annual long term assets is $2.77 billion

    Current assets

    $375.42M
    ATLC annual total current assets is $375.42 million

    Cash and cash equivalents

    $375.42M
    ATLC annual cash & cash equivalents is $375.42 million

    Accounts receivable

    -
    ATLC annual accounts receivable value is unknown

    Inventory

    $0.00
    ATLC annual inventory is $0.00

    Liabilities

    Total liabilities

    $2.69B
    ATLC annual total liabilities is $2.69 billion

    Long term liabilities

    $2.60B
    ATLC annual total long term liabilities is $2.60 billion

    Current liabilities

    $278.30M
    ATLC annual total current liabilities is $278.30 million

    Accounts payable

    $72.09M
    ATLC annual accounts payable is $72.09 million

    Debt

    Total debt

    $2.51B
    ATLC annual total debt is $2.51 billion

    Total debt 1-year change

    +23.63%
    ATLC annual total debt is up +23.63% year-on-year

    Long term debt

    $2.41B
    ATLC annual long term debt is $2.41 billion

    Short term debt

    $92.15M
    ATLC annual short term debt is $92.15 million

    Equity & Capital

    Shareholders equity

    $532.91M
    ATLC annual stockholders equity is $532.91 million

    Book value

    $492.91M
    ATLC annual book value is $492.91 million

    Retained earnings

    $394.63M
    ATLC annual retained earnings is $394.63 million

    Working capital

    $221.33M
    ATLC annual working capital is $221.33 million

    Cash Flow Statement

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    Cashflow Activities

    Cash from operations

    $469.40M
    ATLC annual cash flow from operations is $469.40 million

    Cash from operations 1-year change

    +2.2%
    ATLC annual cash flow from operations is up +2.2% year-on-year

    Cash from investing

    -$747.03M
    ATLC annual cash flow from investing activities is -$747.03 million

    Cash from investing 1-year change

    -11.13%
    ATLC annual cash flow from investing activities is down -11.13% year-on-year

    Cash from financing

    $393.61M
    ATLC annual cash flow from financing activities is $393.61 million

    Cash from financing 1-year change

    +140.97%
    ATLC annual cash flow from financing activities is up +140.97% year-on-year

    CAPEX

    CAPEX

    $1.79M
    ATLC annual capital expenditures is $1.79 million

    CAPEX 1-year change

    -55.19%
    ATLC annual capital expenditures is down -55.19% year-on-year

    Free Cash Flow

    Free cash flow

    $467.62M
    ATLC annual free cash flow is $467.62 million

    Free cash flow 1-year change

    +2.7%
    ATLC annual free cash flow is up +2.7% year-on-year

    Profitability Ratios

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    Margins

    Gross margin

    90.76%
    ATLC annual gross profit margin is 90.76%

    Operating margin

    22.78%
    ATLC annual operating profit margin is 22.78%

    Net margin

    8.40%
    ATLC annual net profit margin is 8.40%

    ROA & ROE

    ROA

    3.68%
    ATLC annual return on assets is 3.68%

    ROE

    19.80%
    ATLC annual return on equity is 19.80%

    Valuation

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    PE Ratio

    PE ratio

    13.57
    ATLC price to earnings ratio is 13.57

    PE ratio Sector rank

    42.84%
    ATLC price to earnings ratio is higher than 42.84% of companies in Financial Services sector

    PB Ratio

    PB ratio

    2.07
    ATLC price to book ratio is 2.07

    PB ratio Sector rank

    77.8%
    ATLC price to book ratio is higher than 77.8% of companies in Financial Services sector

    PS Ratio

    PS ratio

    0.81
    ATLC price to sales ratio is 0.81

    PS ratio Sector rank

    12.6%
    ATLC price to sales ratio is higher than 12.6% of companies in Financial Services sector

    Enterprise value

    Enterprise value

    $3.64B
    ATLC enterprise value is $3.64 billion

    Enterprise value Sector rank

    73.42%
    ATLC enterprise value is higher than 73.42% of companies in Financial Services sector

    EV/EBITDA

    EV/EBITDA

    10.00
    ATLC EV/EBITDA is 10.00

    EV/EBITDA Sector rank

    70.7%
    ATLC EV/EBITDA is higher than 70.7% of companies in Financial Services sector

    Financial Health

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    Liquidity

    Current ratio

    1.80
    ATLC annual current ratio is 1.80

    Quick ratio

    1.35
    ATLC annual quick ratio is 1.35

    Leverage

    Debt to equity

    5.03
    ATLC annual debt to equity ratio is 5.03

    Interest coverage ratio

    1.87
    ATLC annual interest coverage ratio is 1.87

    Risk & Stability

    Piotroski F-Score

    5
    ATLC piotroski f-score is 5

    Altman Z-Score

    1.21
    ATLC altman z-score is 1.21

    Analyst ratings

    Recent major analysts updates

    Sep 12, 25 JMP Securities
    Market Outperform
    Sep 11, 25 BTIG
    Buy
    Aug 12, 25 JMP Securities
    Market Outperform
    Jul 17, 25 JMP Securities
    Market Outperform
    May 12, 25 Keefe, Bruyette & Woods
    Market Perform
    Mar 21, 25 Citizens Capital Markets
    Market Outperform
    Mar 17, 25 Keefe, Bruyette & Woods
    Market Perform
    Mar 14, 25 Citizens Capital Markets
    Market Outperform
    Dec 3, 24 JMP Securities
    Market Outperform
    Nov 21, 24 B. Riley Securities
    Buy

    Institutional Ownership

    Screeners with ATLC included

    Growing Shares Outstanding
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    • What is the ticker symbol for Atlanticus Holdings Corporation?
    • Does Atlanticus Holdings Corporation pay dividends?
    • What sector is Atlanticus Holdings Corporation in?
    • What industry is Atlanticus Holdings Corporation in?
    • What country is Atlanticus Holdings Corporation based in?
    • When did Atlanticus Holdings Corporation go public?
    • Is Atlanticus Holdings Corporation in the S&P 500?
    • Is Atlanticus Holdings Corporation in the NASDAQ 100?
    • Is Atlanticus Holdings Corporation in the Dow Jones?
    • When was Atlanticus Holdings Corporation's last earnings report?
    • When does Atlanticus Holdings Corporation report earnings?

    What is the ticker symbol for Atlanticus Holdings Corporation?

    The ticker symbol for Atlanticus Holdings Corporation is NASDAQ:ATLC

    Does Atlanticus Holdings Corporation pay dividends?

    No, Atlanticus Holdings Corporation does not pay dividends

    What sector is Atlanticus Holdings Corporation in?

    Atlanticus Holdings Corporation is in the Financial Services sector

    What industry is Atlanticus Holdings Corporation in?

    Atlanticus Holdings Corporation is in the Credit Services industry

    What country is Atlanticus Holdings Corporation based in?

    Atlanticus Holdings Corporation is headquartered in United States

    When did Atlanticus Holdings Corporation go public?

    Atlanticus Holdings Corporation's initial public offering (IPO) was on April 23, 1999

    Is Atlanticus Holdings Corporation in the S&P 500?

    No, Atlanticus Holdings Corporation is not included in the S&P 500 index

    Is Atlanticus Holdings Corporation in the NASDAQ 100?

    No, Atlanticus Holdings Corporation is not included in the NASDAQ 100 index

    Is Atlanticus Holdings Corporation in the Dow Jones?

    No, Atlanticus Holdings Corporation is not included in the Dow Jones index

    When was Atlanticus Holdings Corporation's last earnings report?

    Atlanticus Holdings Corporation's most recent earnings report was on May 8, 2025

    When does Atlanticus Holdings Corporation report earnings?

    The next expected earnings date for Atlanticus Holdings Corporation is November 6, 2025
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