Atlanticus/$ATLC
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Capital at risk
About Atlanticus
Atlanticus Holdings Corp is a financial technology company powering more inclusive financial solutions for Everyday Americans. It provides technology and other support services to lenders who offer an array of financial products and services to consumers. The company's products and services are reported through two reportable segments. Credit as a Service (CaaS) offers products including private label credit cards using the Fortiva and Curae brand names as well as merchant-associated brands and Auto Finance provides purchase and/or service loans secured by automobiles from or for, and also provides floor-plan financing for, a pre-qualified network of independent automotive dealers and automotive finance companies in the buy-here, pay-here used car business.
- Ticker
- $ATLC
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 576
- Headquarters
- Atlanta, United States
- Website
- www.atlanticus.com
Atlanticus Metrics
BasicAdvanced
$1.4B
12.14
$7.70
2.05
-
Price and volume
Market cap
$1.4B
Beta
2.05
52-week high
$114.34
52-week low
$47.50
Average daily volume
105K
Financial strength
Current ratio
14.837
Quick ratio
14.538
Long term debt to equity
8.479
Total debt to equity
8.535
Dividend payout ratio (TTM)
5.99%
Profitability
Gross margin (TTM)
72.98%
Net profit margin (TTM)
21.08%
Operating margin (TTM)
28.87%
Effective tax rate (TTM)
24.59%
Revenue per employee (TTM)
$1,270,000
Management effectiveness
Return on assets (TTM)
2.76%
Return on equity (TTM)
22.97%
Valuation
Price to earnings (TTM)
12.145
Price to revenue (TTM)
1.93
Price to book
2.02
Price to tangible book (TTM)
2.1
Price to free cash flow (TTM)
1.521
Free cash flow yield (TTM)
65.77%
Free cash flow per share (TTM)
61.465
Growth
Revenue change (TTM)
59.79%
Earnings per share change (TTM)
35.18%
3-year revenue growth (CAGR)
27.93%
10-year revenue growth (CAGR)
22.13%
3-year earnings per share growth (CAGR)
19.71%
10-year earnings per share growth (CAGR)
42.11%
What the Analysts think about Atlanticus
Analyst ratings (Buy, Hold, Sell) for Atlanticus stock.
Analyst projections of the future price of Atlanticus stock.
Bulls say / Bears say
Second-quarter net income attributable to common shareholders rose 67% to $47.4 million, while return on average equity reached 28.1%. That shows strong current earnings and returns. (GlobeNewswire)
Managed receivables grew 26.2% year on year even excluding Mercury, showing that Atlanticus’s existing card businesses are expanding beyond the acquisition. (GlobeNewswire)
Management said Mercury integration was on or ahead of plan and that portfolio repricing was outperforming its acquisition forecast. Successful execution could add to earnings as the changes take effect. (The Motley Fool)
The combined principal net charge-off rate was 17.7%, and management warned that delinquencies may rise as newer receivables season. Higher losses could pressure returns if the growing portfolio performs worse than expected. (The Motley Fool)
Interest expense more than doubled year on year to $123.4 million as debt rose to $5.55 billion, and Atlanticus expects further increases in quarterly interest costs. That makes growth dependent on continued access to funding at manageable rates. (GlobeNewswire)
Atlanticus’s annual report flags proposals for a 10% credit-card rate cap and legal challenges to bank-partner lending arrangements. Changes to rate limits or a successful challenge could weaken its pricing model or restrict lending in some states. (SEC, TickerGuard)
Data summarised monthly by Lightyear AI. Last updated on 28 Oct 2026.
Atlanticus Financial Performance
Revenues and expenses
Atlanticus Earnings Performance
Company profitability
Upcoming events
No upcoming events
Atlanticus News
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Funds containing Atlanticus
Fund name | Fund size | $ATLC weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 0.01% |
SPDR Russell 2000 US Small Cap€R2US | $5.3B | 0.01% |
iShares MSCI World Small Cap£WLDS | $9B | 0.01% |
iShares MSCI World Small Cap€IUSN | $9B | 0.01% |
iShares MSCI World Small Cap$WSML | $9B | 0.01% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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