Atlanticus Holdings Corp (ATLCZ) balance sheet

ATLCZNasdaqPersonal Credit InstitutionsFiscal year ends December 31Also trades as ATLC, ATLCL, ATLCP

Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 6, 2026Score 10/3035% below fair value

$25.15−0.17 (-0.67%)

Close on Oct 30, 2026Market cap $1.42BP/E 12.2Yield –

Atlanticus Holdings Corp balance sheet

Millions of USD, except per-share data. Shares in millions.

Line item	Q2 2026 2026-06-30	Q1 2026 2026-03-31	Q4 2025 2025-12-31	Q3 2025 2025-09-30	Q2 2025 2025-06-30	Q1 2025 2025-03-31	Q4 2024 2024-12-31	Q3 2024 2024-09-30	Q2 2024 2024-06-30	Q1 2024 2024-03-31	Q4 2023 2023-12-31	Q3 2023 2023-09-30	Q2 2023 2023-06-30	Q1 2023 2023-03-31	Q4 2022 2022-12-31	Q3 2022 2022-09-30	Q2 2022 2022-06-30	Q1 2022 2022-03-31	Q4 2021 2021-12-31	Q3 2021 2021-09-30	Q2 2021 2021-06-30	Q1 2021 2021-03-31	Q4 2020 2020-12-31	Q3 2020 2020-09-30	Q2 2020 2020-06-30	Q1 2020 2020-03-31	Q4 2019 2019-12-31	Q3 2019 2019-09-30	Q2 2019 2019-06-30	Q1 2019 2019-03-31	Q4 2018 2018-12-31	Q3 2018 2018-09-30	Q2 2018 2018-06-30	Q1 2018 2018-03-31	Q4 2017 2017-12-31	Q3 2017 2017-09-30	Q2 2017 2017-06-30	Q1 2017 2017-03-31	Q4 2016 2016-12-31	Q3 2016 2016-09-30
Cash & Equivalents	555	651	621	425	329	350	375	309	351	445	339	356	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	78	67	71	69	103	95	93	59
Cash & Short-Term Investments	555	651	621	425	329	350	375	309	351	445	339	356	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	78	67	71	69	103	95	93	59
Property, Plant & Equipment	11	12	13	13	14	12	11	9.68	10	11	11	12	13	12	10	7.00	6.79	6.82	7.34	0.98	1.70	2.00	2.24	2.55	2.85	2.55	2.74	2.96	3.15	3.39	3.63	2.72	2.91	3.02	3.23	3.30	3.38	3.57	3.83	4.05
Gross Property, Plant & Equipment	–	–	25	–	–	–	20	–	–	–	18	–	–	–	15	–	–	–	23	–	–	–	30	–	–	–	29	–	–	–	29	–	–	–	34	–	–	–	33	–
Accumulated Depreciation	–	–	-13	–	–	–	-9.35	–	–	–	-6.92	–	–	–	-4.56	–	–	–	-16	–	–	–	-28	–	–	–	-27	–	–	–	-26	–	–	–	-30	–	–	–	-29	–
Equity Method Investments	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	0	0	1.03	1.24	1.42	1.52	1.42	1.61	1.96	2.03	2.05	2.26	2.48	2.85	3.45	3.56	4.24	4.75	5.40	5.99	6.73	7.68
Operating Lease Right-of-Use Assets	14	15	15	16	14	14	14	11	11	11	11	11	11	12	12	12	12	2.59	4.02	5.45	6.97	8.01	9.18	10	12	13	14	15	16	17	–	–	–	–	–	–	–	–	–	–
Intangible Assets	25	28	30	32	–	–	0	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–
Deferred Tax Assets	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	0.28	–	–	–	–	–	–	–	–
Total Assets	7,492	7,465	7,623	7,080	3,643	3,272	3,271	3,040	2,837	2,787	2,706	2,597	2,455	2,375	2,388	2,252	2,116	1,922	1,944	1,483	1,420	1,199	1,207	1,041	944	972	936	792	710	636	583	461	459	433	426	429	400	371	363	336
Operating Lease Liabilities	24	24	25	26	24	24	24	19	20	20	20	20	21	20	20	20	20	2.46	4.84	7.23	9.71	12	14	16	18	20	22	24	26	28	–	–	–	–	–	–	–	–	–	–
Total Liabilities	6,754	6,781	6,979	6,455	3,044	2,703	2,691	2,471	2,266	2,234	2,174	2,082	1,953	1,891	1,923	1,806	1,687	1,509	1,517	1,081	1,064	942	991	846	784	830	847	790	719	652	605	509	491	476	462	446	401	364	357	328
Common Stock	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	–	0	–	–	–	–	–	–	–	–	–	0	0	0	0	0	0	0	0
Additional Paid-In Capital	106	100	102	116	112	110	98	89	89	89	87	96	108	116	122	127	142	160	228	252	254	192	195	201	205	210	213	214	215	215	213	213	213	213	213	213	213	212	212	211
Retained Earnings	596	548	506	474	451	423	395	368	345	327	307	281	256	231	204	180	148	114	60	10	-37	-74	-118	-144	-183	-206	-212	-214	-227	-233	-239	-262	-246	-251	-247	-228	-214	-205	-206	-204
Treasury Stock	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	0	–	–	0	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–
Comprehensive Income & Other	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	2.96	4.06	2.05	3.56	1.50	0.35	-4.52	-2.18	-1.10	0	0	0	0
Shareholders' Equity	702	648	609	589	563	533	493	458	434	416	395	377	363	346	326	307	290	274	288	263	217	119	77	56	22	3.39	0.91	2.80	-8.11	-16	-22	-47	-32	-43	-36	-17	-1.34	7.02	5.79	7.41
Noncontrolling Interest	-4.40	-4.47	-4.87	-4.54	-4.15	-3.86	-3.54	-3.26	-2.91	-2.75	-2.26	-2.23	-1.96	-1.69	-1.37	-1.18	-0.98	-0.75	-0.50	-0.75	-0.87	-0.82	-0.77	-0.73	-0.68	-0.63	-0.57	-0.52	-0.46	-0.40	-0.34	-0.28	-0.20	-0.14	-0.09	0.00	0.00	-0.01	-0.01	-0.01
Total Equity	697	644	604	585	559	529	489	454	431	413	392	375	361	345	325	306	289	273	287	262	216	118	77	56	21	2.75	0.34	2.28	-8.56	-16	-22	-48	-32	-43	-36	-17	-1.34	7.01	5.78	7.40
Total Liabilities & Equity	7,492	7,465	7,623	7,080	3,643	3,272	3,271	3,040	2,837	2,787	2,706	2,597	2,455	2,375	2,388	2,252	2,116	1,922	1,944	1,483	1,420	1,199	1,207	1,041	944	972	936	792	710	636	583	461	459	433	426	429	400	371	363	336
Shares Outstanding(shares)	15	15	15	15	15	15	15	15	15	15	15	15	14	15	14	14	15	15	15	15	17	17	16	16	16	16	16	16	16	16	16	15	15	15	15	15	15	15	15	15
Loans, Net	–	–	–	–	–	–	–	–	–	–	–	–	–	–	1,905	1,817	1,703	1,488	1,410	1,247	1,066	934	920	838	738	737	726	645	531	435	425	379	358	316	305	284	264	247	239	227
Allowance for Credit Losses	3.70	3.80	4.10	4.60	4.90	4.80	4.90	4.60	2.40	3.40	1.80	1.80	1.70	1.70	1.60	1.80	1.60	1.60	57	80	95	106	125	126	158	187	186	135	100	85	79	68	55	58	63	52	41	40	43	35

Italic numbers are calculated by StockData (for example Q4 = full year − nine months). Per-share data and share counts are adjusted for stock splits. Hover a number for its source; click it to open the filing on SEC.gov. Click a row to chart it.

Ratios

Latest available, balances at Jun 30, 2026

Profitability, TTM

Gross margin: 92.6%
Operating margin: –
Net margin: 5.8%
Return on equity, FY2025: 22.2%

Financial strength

Current ratio: –
Debt to equity: –
Debt to assets: –
Cash to current liabilities: –

Valuation

P/E ratio: 12.2
Price to sales: 0.53
Price to book: 2.02
Dividend yield: –