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Atlanticus Holdings Corp (ATLC) stock

ATLCNasdaqPersonal Credit InstitutionsFiscal year ends December 31Also trades as ATLCL, ATLCP, ATLCZ
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 5, 2026Score 12/3060% below fair value
$79.30−1.02 (-1.27%)

Close on Nov 12, 2026Market cap $1.20BP/E 7.0Yield –

Atlanticus Holdings Corp grew revenue 87.9% to $2.96B over the twelve months to Sep 30, 2026. At the latest close the market valued the company at $1.20B, 7.0 times its earnings.

Revenue
$2.96B
+87.9% vs. a year earlier
EPS, diluted
$11.32
+102.1% vs. a year earlier

Key statistics

Valuation at the latest close; fundamentals over the trailing twelve months, balances at Sep 30, 2026

Valuation

Market cap
$1.20B
P/E ratio
7.0
Price to sales
0.41
Price to book
1.48
Dividend yield
–
Free cash flow yield
–

Fundamentals

Revenue
$2.96B
Net income
$224.38M
EPS, diluted
$11.32
Book value per share
$42.24
Diluted shares
19M

Trading

Previous close
$80.32
Open
$80.32
Day's range
$78.74 – $81.61
Volume
110,347
Average volume (20 days)
126,438
Index membership
Russell 2000 (since Jun 2020)
Beta (5 years)
1.76
52-week range
$47.50 – $114.34
RSI (14 days)
35.9
Volatility (1 year)
53.3%
Relative volume
0.80×
WACC
13.7%

On 3 of our idea lists: Breakout quarter, Small-cap growth, Institutions accumulating

Index membership is inferred from the holdings of funds that track each index (IWM), as reported to the SEC for Jun 30, 2026. Join dates come from quarterly fund reports since 2019, so they are accurate to the quarter.

Market cap history

Month-end market cap since 2011, using shares outstanding reported at the time

Total return vs. the S&P 500

Price change plus reinvested dividends, to the close on Nov 12, 2026. The S&P 500 is measured by the SPY fund.

PeriodATLCS&P 500DifferenceATLC per yearS&P 500 per year
1 month-16.2%-2.7%−13.5 pts
3 months-18.6%-1.7%−16.8 pts
Year to date+18.4%+11.9%+6.6 pts
1 year+51.2%+12.0%+39.2 pts
3 years+157.0%+78.2%+78.8 pts+37.0%+21.2%
5 years+1.1%+73.2%−72.1 pts+0.2%+11.6%
10 years+2491.5%+309.6%+2181.9 pts+38.5%+15.1%

Fifteen years at a glance

Fiscal years 2011 to 2025 and trailing twelve months, USD

Revenue

$2.96B+87.9% YoY

Gross profit

$2.74B+90.1% YoY

Net income

$224.38M+89.6% YoY

EPS, diluted

$11.32+102.1% YoY

Free cash flow

–
Reported periodTrailing twelve months

Press releases

Releases Atlanticus filed with the SEC as exhibits to Form 8-K or 6-K

All press releases and earnings

About Atlanticus

Personal Credit Institutions

Atlanticus Holdings Corporation is a financial services company that facilitates consumer credit solutions, operating primarily through its Credit and Other Investments and Auto Finance segments. In collaboration with bank partners and retail merchants, the company supports point-of-sale financing, credit card products, and direct-to-consumer lending solutions. Through its CAR Auto Finance operations, it also provides specialized installment financing for pre-owned automotive purchases. These financial products serve everyday consumers seeking manageable credit alternatives alongside retail and automotive partners that utilize payment options to support customer transactions.

Company profile, executives and history

Atlanticus stock: common questions

What is Atlanticus's stock price?

ATLC closed at $79.30 on Nov 12, 2026, down 1.27% on the day. Over the past 52 weeks it traded between $47.50 and $114.34.

What is Atlanticus's market cap?

Atlanticus was worth $1.20B at the close on Nov 12, 2026: the share price times the diluted shares outstanding.

What is ATLC's P/E ratio?

ATLC trades at 7.0 times earnings, based on diluted earnings per share of $11.32 over the twelve months to Sep 30, 2026.

How much revenue does Atlanticus make?

Atlanticus reported revenue of $2.96B for the twelve months to Sep 30, 2026, up 87.9% from a year earlier.

Does Atlanticus pay a dividend?

No. Atlanticus has not paid a cash dividend over the last twelve months.

How has ATLC stock performed over the past year?

Including dividends, ATLC returned +51.2% over the past year, against +12.0% for the S&P 500.

Who are Atlanticus's competitors?

Companies most similar to Atlanticus by business, industry and size include ENVA, CACC, OMF, BFH, AFRM.

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