Atlanticus/$ATLC
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About Atlanticus
Atlanticus Holdings Corp invests in the financial services industry. It provides various credit and related financial services and products to or associated with the financially underserved consumer credit market. The operating business segments are the Credit as a Service (CaaS) and the Auto Finance segment. It generates maximum revenue from the Credit as a Service segment.
Ticker
$ATLC
Sector
Primary listing
Employees
417
Headquarters
Website
Atlanticus Metrics
BasicAdvanced
$1.1B
12.75
$5.69
2.01
-
Price and volume
Market cap
$1.1B
Beta
2.01
52-week high
$78.91
52-week low
$32.51
Average daily volume
48K
Financial strength
Current ratio
14.627
Quick ratio
13.819
Long term debt to equity
466.772
Total debt to equity
467.036
Dividend payout ratio (TTM)
17.14%
Profitability
Gross margin (TTM)
71.54%
Net profit margin (TTM)
26.89%
Operating margin (TTM)
34.33%
Effective tax rate (TTM)
23.14%
Revenue per employee (TTM)
$1,100,000
Management effectiveness
Return on assets (TTM)
3.75%
Return on equity (TTM)
20.77%
Valuation
Price to earnings (TTM)
12.753
Price to revenue (TTM)
2.374
Price to book
1.95
Price to tangible book (TTM)
1.95
Price to free cash flow (TTM)
2.301
Free cash flow yield (TTM)
43.47%
Free cash flow per share (TTM)
31.556
Growth
Revenue change (TTM)
26.20%
Earnings per share change (TTM)
35.13%
3-year revenue growth (CAGR)
0.50%
10-year revenue growth (CAGR)
14.13%
3-year earnings per share growth (CAGR)
-8.94%
10-year earnings per share growth (CAGR)
9.23%
What the Analysts think about Atlanticus
Analyst ratings (Buy, Hold, Sell) for Atlanticus stock.
Bulls say / Bears say
Atlanticus delivered robust Q2 2025 financial performance, with total operating revenue rising 24.8% year-over-year to $393.8 million and net income attributable to common shareholders increasing 57.8% to $28.4 million, driving a strong 20.8% return on average equity. (GlobeNewswire)
Managed receivables climbed 26.1% to $3.0 billion with over 4.0 million accounts served and record purchase volume of $997.9 million, reflecting strong customer acquisition and partner expansion. (GlobeNewswire)
Interest expense surged 41.5% to $53.7 million in Q2 2025 due to increased debt levels and higher borrowing costs, creating pressure on net interest margins and cash flows. (GlobeNewswire)
Total operating expenses rose 33.7% in Q2 2025, driven by elevated marketing, solicitation, and servicing costs, which may compress operating leverage during expansion efforts. (GlobeNewswire)
Management expects a seasonal shift toward higher FICO private-label receivables in Q3, which carry lower yields than general-purpose cards, likely moderating managed yield ratios and revenue growth later in 2025. (GlobeNewswire)
Data summarised monthly by Lightyear AI. Last updated on 5 Sept 2025.
Atlanticus Financial Performance
Revenues and expenses
Atlanticus Earnings Performance
Company profitability
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.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.
Capital at risk
Upcoming events
No upcoming events
FAQs
What’s the current market cap for Atlanticus stock?
Atlanticus (ATLC) has a market cap of $1.1B as of September 17, 2025.
What is the P/E ratio for Atlanticus stock?
The price to earnings (P/E) ratio for Atlanticus (ATLC) stock is 12.75 as of September 17, 2025.
Does Atlanticus stock pay dividends?
No, Atlanticus (ATLC) stock does not pay dividends to its shareholders as of September 17, 2025.
When is the next Atlanticus dividend payment date?
Atlanticus (ATLC) stock does not pay dividends to its shareholders.
What is the beta indicator for Atlanticus?
Atlanticus (ATLC) has a beta rating of 2.01. This means that it is more volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 2 would indicate the stock moves twice as much as the market.