Atlanticus Holdings Corporation: stock overview

ATLCNASDAQFinancial services · Personal Credit Institutions

Price

$83.42

November 13, 2026Market cap $1.2B

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  • The full history: 9 fiscal years, from 2017
  • The estimated fair value, with its range and its certainty
  • The full analysis, 18 a month
  • More questions to the chat on its filings
  • Excel with every year
  • An email when it reports, changes its dividend or an officer buys

Sign in with a free account to see the last 5 fiscal years.

Notes on these figures

  • Earnings per share here are the last twelve months' earnings over today's shares, so they agree with the P/E. The number of shares changed a lot during the year, so they differ from the earnings per share the company filed, which use the year's average number of shares.

In short

Atlanticus had revenue of $836M over the last 12 months and net income of $224M, a net margin of 26.9%. Revenue grew by 16.4% a year on average over the last 5 years. At $83.42 the shares trade at a P/E of 5.8, against a median of 9.4 over the last 5 fiscal years. It has net debt of $5.2B. It pays no dividend.

From its SEC filings (latest fiscal year to December 31, 2025) and the price of November 13, 2026.

Its SEC filings
Market cap
$1.2B
14.92M shares
P/E
5.8
Today5.8
Median9.4
Revenue, 12 months
$836M
+16.4% a year over 5 years
Net margin
26.9%
2025: 6.1%, above 48% of its industry

Worth knowing

What a holder would want to hear from the company's SEC filings of the last three years. Each with its filing, without comment.

3 fiscal years in figures

Each fiscal year's figures as the company filed them, and the share price at its end.

2023–2025 fiscal years

+25.3% a year over 2 years

  • 202510-K
    Revenue$557M
  • 202410-K
    Revenue$401M
  • 202310-K
    Revenue$355M

Fiscal years in figures

ATLC's revenue, profit, cash flow and dividend with each year-end price, from 2017 to 2022, 6 more fiscal years

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Key figures

The company's current figures in five groups. Each term is explained behind its ⓘ.

Valuation

Market cap 3-year median: $843M
$1.2B
Enterprise value 
$6.4B
P/E 3-year median: 11.2
5.8
EV / EBIT 
23.0
EV / Revenue 
7.7
P/B 3-year median: 1.6
1.5
FCF yield 
87.0%
Earnings yield 3-year median: 8.9%
17.3%

Profitability

Gross margin 
73.7%
Net margin 3-year median: 27.7%
26.9%
ROIC 
31.2%
ROE 
33.4%

Growth

Revenue, yearly change 
+38.8%
EPS, yearly change 
+25.0%
FCF, yearly change 
+112.6%
Revenue, average a year 
+16.4%
EPS, average a year 
+8.6%

The yearly change compares FY2025 with FY2024.

Balance sheet

Cash 
$601M
Total debt 
$5.8B
Of which operating leases 
$22M
Net debt 
$5.2B
Net debt / EBITDA 
17.9x
Interest cover 
0.6x
Current ratio 
–

Balance sheet of September 30, 2026.

Returns to shareholders

Dividend yield 
0.00%
Buybacks 
5.59%
Total returned 
5.59%
Shares, yearly change 
-1.3%
Valuation against its own pastEach fiscal year's P/E, P/FCF and P/B beside today's, and the DCF calculator for the company.Valuation

Against its industry

Where its margins and returns stood in fiscal 2025 among the SEC filers of its industry (SIC code 61).

Net margin

6.1%

Above 48% of the 105 companies in its industry, and 55% of all.

ROE

19.8%

Above 85% of the 102 companies in its industry, and 84% of all.

ROA

1.6%

Above 71% of the 109 companies in its industry, and 52% of all.

Revenue growth

50.1%

Above 87% of the 106 companies in its industry, and 94% of all.

From the yearly figures every company files with the SEC, for those with revenue of at least $25 million. The industry is the first two digits of the SIC code.

The company at the SEC

How it is registered and when its fiscal year ends.

Name at the SEC
Atlanticus Holdings Corp
CIK
1464343
Exchange
NASDAQ
Industry (SIC)
6141 · Personal Credit Institutions
Fiscal year ends
December 31
Latest annual report
December 31, 2025
Reporting currency
USD
Shares
14.92M

Other companies: Financial services

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The full analysis

What do Atlanticus's filings show?

These are Atlanticus's figures. The full Ploutos AI analysis reads everything the company has filed and shows what stands behind it, with a source for every figure.

  • A fair value range built from the filings
  • Earnings quality, debt and red flags
  • Insider and institutional moves
  • The case for and the case against

Questions about ATLC

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What is ATLC's market cap?

Atlanticus Holdings Corporation's market cap is $1.2B, at a price of $83.42 on November 13, 2026 and 14.92M shares.

What is ATLC's P/E?

ATLC's P/E is 5.8, on earnings per share of $14.42 over the last 12 months. The median over the last 5 fiscal years was 9.4.

How much revenue does ATLC have?

Atlanticus had revenue of $836M over the last 12 months. Over the last 5 years it changed by +16.4% a year on average.

Does ATLC pay a dividend?

No. Atlanticus paid no regular dividend over the last 12 months.

Where do the figures come from?

From Atlanticus Holdings Corporation's SEC filings (10-K and 10-Q) and the share price. They hold no analyst estimates and no score, and they are not a recommendation.

Related pages

The other pages on US stocks, free to read. On the company pages, the last three fiscal years are open to everyone, five with a free account, and every year with Ploutos Investor.

US stocksThe market today, the sectors, the largest companies and the week's results.The market's sectorsThe 11 sectors side by side: returns, share of the market, median P/E and dividend.Compare stocksTwo companies side by side: price over up to ten years, with and without dividends, and every figure.US dividend stocksEach dividend's yield next to whether the company's cash covers it and whether it was ever cut.

The figures come from the company's SEC filings and the share price, and describe what it has reported. They are not a score or a fair value.