ATLCNasdaqPersonal Credit InstitutionsFiscal year ends December 31Also trades as ATLCL, ATLCP, ATLCZ
Atlanticus Holdings Corp
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 6, 2026
$90.57−1.45 (-1.58%)
Close on Oct 19, 2026
- Market cap
- $1.74B
- P/E (TTM)
- 11.8
- Dividend yield
- –
Atlanticus statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of Personal Credit Institutions companies for comparison
Valuation
| Measure | Atlanticus | Industry median |
|---|---|---|
| Market Cap | $1.37B | $216.24M |
| Enterprise Value | $814.33M | $197.90M |
| PE Ratio | 11.82 | 11.74 |
| PS Ratio | 0.52 | 3.01 |
| PB Ratio | 1.96 | 1.19 |
| P/TBV Ratio | 2.03 | 1.44 |
| P/OCF Ratio | 1.47 | 5.61 |
Enterprise value
| Measure | Atlanticus | Industry median |
|---|---|---|
| EV / Sales | 0.31 | 3.03 |
| EV / EBITDA | 1.22 | 4.41 |
Income (trailing twelve months)
| Measure | Atlanticus | Industry median |
|---|---|---|
| Revenue | $2.65B | $61.19M |
| Gross Profit | $2.46B | $1.92M |
| Pretax Income | $203.55M | -$4.81M |
| Net Income | $154.01M | -$5.16M |
| EBITDA | $667.19M | -$9.49M |
| EPS (Diluted) | $7.66 | -$0.03 |
Margins
| Measure | Atlanticus | Industry median |
|---|---|---|
| Gross Margin | 92.6% | 43.9% |
| Pretax Margin | 7.67% | -25.1% |
| Profit Margin | 5.80% | -21.0% |
| EBITDA Margin | 25.1% | -67.0% |
Returns
| Measure | Atlanticus | Industry median |
|---|---|---|
| Return on Equity (ROE) | 24.3% | -22.5% |
| Return on Assets (ROA) | 2.77% | -11.8% |
Growth
| Measure | Atlanticus | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 83.7% | 19.7% |
| Net Income Growth (YoY) | 25.3% | -51.5% |
| EPS Growth (YoY) | 35.3% | 4.95% |
| Revenue Growth (3Y CAGR) | 23.4% | 5.53% |
| Revenue Growth (5Y CAGR) | 28.4% | 10.1% |
| EPS Growth (3Y CAGR) | 0.74% | 5.11% |
| EPS Growth (5Y CAGR) | 8.58% | 8.99% |
Balance sheet
| Measure | Atlanticus | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $555.22M | $20.81M |
| Net Cash (Debt) | $555.22M | $7.60M |
| Net Cash Per Share | $36.60 | $0.22 |
| Equity (Book Value) | $701.88M | $165.65M |
| Book Value Per Share | $46.27 | $3.72 |
| Tangible Book Value | $676.75M | $127.24M |
Cash flow (trailing twelve months)
| Measure | Atlanticus | Industry median |
|---|---|---|
| Operating Cash Flow | $936.98M | -$5.36M |
Efficiency
| Measure | Atlanticus | Industry median |
|---|---|---|
| Asset Turnover | 0.48 | 0.16 |
| Revenue Per Employee | $4.61M | $705.30K |
| Profits Per Employee | $267.37K | -$258.90K |
| Employee Count | 576 | 48 |
Dividends and yields
| Measure | Atlanticus | Industry median |
|---|---|---|
| Earnings Yield | 11.2% | -10.2% |
| Buyback Yield | 1.48% | 0.06% |
| Shareholder Yield | 1.48% | 0.12% |
Shares
| Measure | Atlanticus | Industry median |
|---|---|---|
| Shares Outstanding | 15,170,000 | 57,205,350 |
| Shares Change (YoY) | 0.60% | 12.9% |
| Shares Change (QoQ) | 0.55% | 0.24% |
| Float | 1,296,410 | 43,350,400 |
| Shares Held by Insiders | 91.5% | 18.5% |
| Shares Held by Institutions | 26.1% | 34.2% |
Taxes
| Measure | Atlanticus | Industry median |
|---|---|---|
| Income Tax | $50.06M | $82.74K |
| Effective Tax Rate | 24.6% | 22.6% |
Scores
| Measure | Atlanticus | Industry median |
|---|---|---|
| Graham Number | $89.30 | $33.10 |
| Graham Upside | -1.40% | 12.5% |
| Altman Z-Score | 0.59 | 0.34 |
| Piotroski F-Score | 6 | 4 |
Calculated by StockData from Atlanticus's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.