Atlanticus Holdings Corp
Data quality: 100%
Also listed as
ATLCL
NASDAQ
ATLCZ
NASDAQ
ATLCP
NASDAQ
Financial Services
Nondepository Credit Institutions
$22.33
▲
$0.11
(0.50%)
6 months return
—
Momentum
Neutral
5Y revenue growth
27.36%
Growth
Revenue Growth (5Y)
27.36%
Above sector avg (5.76%)
Revenue (1Y)50.09%
Earnings (1Y)9.80%
FCF Growth (3Y)17.85%
Quality
Return on Equity
21.20%
Above sector avg (9.21%)
ROICN/A
Net Margin6.21%
Op. MarginN/A
Safety
Debt / Equity
N/A
Current RatioN/A
Interest CoverageN/A
Valuation
PE (TTM)
3.54
Below sector avg (11.13)
P/B Ratio0.73
EV/EBITDAN/A
Dividend Yield8.47%
Quick Summary
Key Takeaways
Short bullets derived from reported financials—not the AI summary above.
Revenue grew 27.36% annually over 5 years — strong growth
ROE of 21.20% indicates high profitability
Generating 637.96 M in free cash flow
P/E of 3.54 — trading at a low valuation
Revenue growth is accelerating — 1Y growth exceeds 5Y average by 22.73%
Cash machine — converts 522.05% of earnings into free cash flow
Price History
Financial Trends
Analyst Price Target
No analyst coverage available
Growth
Rev 5Y: 27.36% · Earnings 1Y: 9.80%
Growth
Rev 5Y: 27.36% · Earnings 1Y: 9.80%| Revenue Growth (1Y) | 50.09% | Revenue Growth (3Y) | 30.50% |
| Earnings Growth (1Y) | 9.80% | Earnings Growth (3Y) | 9.01% |
| Revenue Growth (5Y) | 27.36% | Earnings Growth (5Y) | -8.96% |
Profitability
ROE: 21.20% · Net Margin: 6.21%
Profitability
ROE: 21.20% · Net Margin: 6.21%| Revenue (TTM) | 1.97 B | Net Income (TTM) | 122.20 M |
| ROE | 21.20% | ROA | 2.28% |
| Gross Margin | N/A | Operating Margin | N/A |
| Net Margin | 6.21% | Free Cash Flow (TTM) | 637.96 M |
| ROIC | N/A | FCF Growth (3Y) | 17.85% |
Safety
D/E: N/A · Current: N/A
Safety
D/E: N/A · Current: N/A| Debt / Equity | N/A | Current Ratio | N/A |
| Interest Coverage | N/A | Asset Turnover | 0.37 |
| Working Capital | N/A | Tangible Book Value | 557.46 M |
Dividends
Yield: 8.47% · Payout: 32.01%
Dividends
Yield: 8.47% · Payout: 32.01%| Dividend Yield | 8.47% | Payout Ratio | 32.01% |
| Dividend Growth (3Y) | 0.02% | Dividend Growth (5Y) | N/A |
| Consecutive Div Years | 5 yrs | ||
Valuation
P/E: 3.54 · EV/EBITDA: N/A
Valuation
P/E: 3.54 · EV/EBITDA: N/A| P/E Ratio | 3.54 | Forward P/E | N/A |
| P/B Ratio | 0.73 | P/S Ratio | 0.22 |
| PEG Ratio | N/A | Forward PEG | N/A |
| EV/EBITDA | N/A | Fwd EV/EBITDA | N/A |
| Forward P/S | 0.12 | Fwd Earnings Yield | N/A |
| FCF Yield | 147.67% | ||
| Market Cap | 432.01 M | Enterprise Value | 6.99 M |
Per Share
EPS: 5.96 · FCF/Share: 33.27
Per Share
EPS: 5.96 · FCF/Share: 33.27| EPS (Diluted TTM) | 5.96 | Revenue / Share | 102.65 |
| FCF / Share | 33.27 | OCF / Share | 33.27 |
| EPS CAGR (1Y) | 24.95% | EPS CAGR (5Y) | -5.77% |
| EPS CAGR (10Y) | N/A | ||
Efficiency
FCF Conv: 522.05% · CapEx/Rev: N/A
Efficiency
FCF Conv: 522.05% · CapEx/Rev: N/A| CapEx / Revenue | N/A | FCF Conversion | 522.05% |
| SBC-Adj. FCF | 634.25 M | Growth Momentum | 22.73 |
Income Statement
Annual, most recent first
Income Statement
Annual, most recent first| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 1.97 B | 1.31 B | 1.16 B | 1.05 B | 748.06 M |
| Net Income | 122.20 M | 111.30 M | 102.85 M | 135.60 M | 177.90 M |
| EPS (Diluted) | 5.96 | 4.77 | 4.24 | 5.83 | 7.56 |
| Gross Profit | — | — | — | — | — |
| Operating Income | — | — | — | — | — |
| EBITDA | — | — | — | — | — |
| R&D Expenses | — | — | — | — | — |
| SG&A Expenses | — | — | — | — | — |
| D&A | — | — | — | — | — |
| Interest Expense | 301.90 M | 160.17 M | 109.34 M | 81.85 M | 54.13 M |
| Income Tax | 39.10 M | 28.47 M | 26.60 M | 14.66 M | 41.78 M |
Balance Sheet
Annual, most recent first
Balance Sheet
Annual, most recent first| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 7.62 B | 3.27 B | 2.71 B | 2.39 B | 1.94 B |
| Total Liabilities | 6.98 B | 2.69 B | 2.17 B | 1.92 B | 1.52 B |
| Shareholders' Equity | 608.70 M | 492.91 M | 394.68 M | 326.41 M | 288.00 M |
| Total Debt | — | — | — | — | — |
| Cash & Equivalents | 621.09 M | 375.42 M | — | — | — |
| Current Assets | — | — | — | — | — |
| Current Liabilities | — | — | — | — | — |
Peer Comparison
vs Financial Services sector median (6628 peers)
Compared with similar companies in Financial Services
Peer Comparison
vs Financial Services sector median (6628 peers) Compared with similar companies in Financial Services| Metric | Stock | Sector Median |
|---|---|---|
| P/E | 3.5 | 11.1 |
| P/B | 0.7 | 1.2 |
| ROE % | 21.2 | 9.2 |
| Net Margin % | 6.2 | 9.4 |
| Rev Growth 5Y % | 27.4 | 5.8 |
| D/E | — | 0.5 |
Dividend History
Dividend History
Yield
8.47%
Payout ratio
32.01%
Growth (3Y)
0.02%
Growth (5Y)
N/A
Recent per-share payments (most recent first).
| Ex-dividend | Payment | Amount / share |
|---|---|---|
| Feb 27, 2026 | — | $0.48 |
| Dec 01, 2025 | — | $0.48 |
| Aug 29, 2025 | — | $0.48 |
| May 30, 2025 | — | $0.48 |
| Feb 28, 2025 | — | $0.48 |
| Nov 29, 2024 | — | $0.48 |
| Aug 30, 2024 | — | $0.48 |
| May 31, 2024 | — | $0.48 |
| Feb 29, 2024 | — | $0.48 |
| Nov 30, 2023 | — | $0.48 |
| Aug 31, 2023 | — | $0.48 |
| May 31, 2023 | — | $0.48 |
Strategy Scores
3 strategies matched
Strategy Scores
3 strategies matchedRecent Activity
Entered
High Yield Value
Apr 12, 2026
Entered
Price/Sales Ratio Focus (Ken Fisher)
Apr 12, 2026
Entered
Contrarian Investing (David Dreman)
Apr 12, 2026
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