Atlanticus Holdings Corp (ATLCZ) income statement

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 income statement

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

Line item	TTM Q2 2026 2026-06-30	TTM Q1 2026 2026-03-31	TTM FY 2025 2025-12-31	TTM Q3 2025 2025-09-30	TTM Q2 2025 2025-06-30	TTM Q1 2025 2025-03-31	TTM FY 2024 2024-12-31	TTM Q3 2024 2024-09-30	TTM Q2 2024 2024-06-30	TTM Q1 2024 2024-03-31	TTM FY 2023 2023-12-31	TTM Q3 2023 2023-09-30	TTM Q2 2023 2023-06-30	TTM Q1 2023 2023-03-31	TTM FY 2022 2022-12-31	TTM Q3 2022 2022-09-30	TTM Q2 2022 2022-06-30	TTM Q1 2022 2022-03-31	TTM FY 2021 2021-12-31	TTM Q3 2021 2021-09-30	TTM Q2 2021 2021-06-30	TTM Q1 2021 2021-03-31	TTM FY 2020 2020-12-31	TTM Q3 2020 2020-09-30	TTM Q2 2020 2020-06-30	TTM Q1 2020 2020-03-31	TTM FY 2019 2019-12-31	TTM Q3 2019 2019-09-30	TTM Q2 2019 2019-06-30	TTM Q1 2019 2019-03-31	TTM FY 2018 2018-12-31	TTM Q3 2018 2018-09-30	TTM Q2 2018 2018-06-30	TTM Q1 2018 2018-03-31	TTM FY 2017 2017-12-31	TTM Q3 2017 2017-09-30	TTM Q2 2017 2017-06-30	TTM Q1 2017 2017-03-31	TTM FY 2016 2016-12-31	TTM Q3 2016 2016-09-30
Revenue	2,653	2,303	1,968	1,587	1,444	1,366	1,311	1,267	1,211	1,186	1,156	1,116	1,099	1,078	1,047	995	921	833	748	673	614	568	563	867	726	594	455	11	8.05	6.47	5.56	30	53	73	5.27	87	84	82	76	71
Cost of Revenue	197	174	161	141	130	124	118	109	107	103	101	98	97	97	95	92	86	81	75	70	67	65	63	62	59	55	49	45	41	38	37	36	35	34	32	30	29	29	31	31
Gross Profit	2,456	2,129	1,808	1,446	1,314	1,242	1,193	1,158	1,104	1,082	1,055	1,018	1,002	981	951	903	835	752	673	603	547	503	500	805	667	539	406	-34	-33	-32	-32	-5.52	18	39	-26	57	55	53	45	41
Advertising Expenses	153	129	113	98	77	66	56	54	52	52	52	48	46	52	62	68	73	67	57	49	39	36	35	37	40	39	36	30	23	16	12	12	11	13	13	12	9.73	6.25	4.90	3.08
Interest Expense	447	377	302	221	188	173	160	148	134	120	109	101	94	89	82	74	64	59	54	51	52	50	52	53	53	53	51	47	43	40	37	34	32	30	28	25	23	21	20	19
Income from Equity Investments	–	–	–	–	–	–	–	–	–	–	–	–	–	–	0	0	0.01	0.00	0.02	0.12	0.45	0.54	0.46	0.62	0.56	0.71	1.00	0.83	0.49	0.80	0.58	0.75	0.96	0.83	1.16	1.10	1.56	1.48	2.15	2.52
Other Non-Operating Income	-0.53	-0.20	0.04	0.33	1.21	1.25	1.49	1.67	1.40	1.10	0.63	0.57	0.66	0.81	0.81	1.12	1.08	3.42	4.20	5.91	6.51	4.25	3.40	-12	-13	-13	-13	0.21	0.24	0.20	0.10	-1.99	-2.52	-2.35	-2.06	-0.09	0.38	0.67	0.20	–
Gain (Loss) on Sale of Assets	–	–	–	–	–	–	–	–	–	–	–	–	–	–	0	–	–	–	0.60	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–
Pretax Income	204	178	160	153	158	147	139	129	124	127	129	128	135	146	149	182	201	205	220	188	178	160	114	85	53	33	32	53	21	14	3.48	-41	-39	-53	-47	-31	-30	-16	-12	-8.23
Income Tax Expense	50	44	39	36	37	31	28	24	23	25	27	28	28	30	15	22	26	27	42	33	32	27	20	15	9.33	6.60	5.55	6.57	3.21	-4.04	-4.13	-7.26	-7.41	-6.85	-6.38	-6.05	-11	-5.60	-6.02	-1.90
Net Income incl. Noncontrolling Interests	153	134	121	117	122	115	110	105	101	102	102	99	107	116	135	161	175	179	178	155	146	133	94	70	44	26	26	47	18	18	7.61	-34	-32	-46	-41	-25	-19	-10	-6.34	-6.33
Minority Interest in Earnings	-0.51	-0.80	-1.60	-1.40	-1.37	-1.24	-1.19	-0.89	-0.80	-0.92	-0.89	-1.16	-1.10	-1.05	-0.99	-0.82	-0.50	-0.32	-0.11	-0.02	-0.19	-0.19	-0.20	-0.22	-0.22	-0.24	-0.23	-0.24	-0.26	-0.25	-0.24	-0.27	-0.20	-0.14	-0.09	0	0.00	-0.01	-0.01	-0.01
Net Income	154	135	122	118	123	117	111	106	102	103	103	101	108	117	136	162	176	179	178	155	146	133	94	70	44	26	26	47	18	18	7.86	-33	-32	-46	-41	-25	-19	-10	-6.34	-6.32
Preferred Dividends	9.23	9.14	10	13	17	21	24	25	25	25	25	25	25	25	25	25	25	24	22	21	19	19	17	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–
Net Income to Common	145	126	112	105	106	95	87	81	77	78	78	75	83	92	111	137	151	155	156	134	127	114	77	56	35	22	25	–	–	–	–	–	–	–	–	–	–	–	–	–
EPS (Basic)(per share)	9.61	8.35	7.40	7.00	7.08	6.43	5.92	5.52	5.24	5.32	5.35	5.20	5.71	6.29	7.55	9.22	10.08	10.32	10.32	8.91	8.59	7.75	5.32	3.90	2.45	1.53	1.74	3.30	1.24	1.29	0.56	-2.41	-2.29	-3.33	-2.93	-1.77	-1.38	-0.73	-0.46	-0.45
EPS (Diluted)(per share)	7.66	6.67	5.96	5.60	5.66	5.14	4.77	4.42	4.18	4.21	4.24	4.06	4.44	4.88	5.83	6.93	7.48	7.58	7.56	6.50	6.26	5.63	3.95	2.90	2.01	1.43	1.66	3.18	1.19	1.25	0.56	-2.41	-2.29	-3.33	-2.93	-1.77	-1.38	-0.73	-0.46	-0.45
Shares Outstanding (Basic, Weighted)(shares)	15	15	15	15	15	15	15	15	15	15	15	14	14	15	15	15	15	15	15	15	15	15	14	14	14	15	14	14	14	14	14	14	14	14	14	14	14	14	14	14
Shares Outstanding (Diluted, Weighted)(shares)	19	19	19	19	19	19	19	19	19	19	19	19	19	19	19	20	20	21	21	21	21	20	20	19	18	16	15	15	14	14	14	14	14	14	14	14	14	14	14	14
Total Interest Income	2,654	2,303	1,968	1,587	1,443	1,365	1,310	1,265	1,209	1,184	1,155	1,115	1,098	1,077	1,046	994	920	830	744	668	607	563	560	587	514	434	344	222	193	176	161	149	136	124	115	106	101	96	89	83
Net Interest Income	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	339	305	261	210	175	150	136	124	114	103	94	87	81	78	75	68	63
Non-Interest Income	-0.53	-0.20	0.04	0.33	1.21	1.25	1.49	1.67	1.40	1.10	0.63	0.57	0.66	0.81	0.81	1.12	1.08	3.42	4.20	5.91	6.51	4.25	3.40	29	65	94	112	121	86	59	42	5.93	6.49	6.06	6.43	6.01	5.81	6.72	7.71	8.14
Provision for Credit Losses	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	84	83	78	71	65	60	54	42
Non-Interest Expense	526	451	397	345	300	280	263	246	240	235	226	218	214	220	237	238	234	218	190	174	159	150	146	145	142	137	126	114	107	98	92	91	87	88	87	82	79	75	74	85

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: –