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
$883M
10.25
$5.69
2.01
-
Price and volume
Market cap
$883M
Beta
2.01
52-week high
$78.91
52-week low
$35.36
Average daily volume
84K
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)
10.254
Price to revenue (TTM)
1.908
Price to book
1.57
Price to tangible book (TTM)
1.57
Price to free cash flow (TTM)
1.85
Free cash flow yield (TTM)
54.06%
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
Fitch noted Atlanticus' experienced management team, steady profitability, and appropriate leverage (5.9x pro forma at 1H25) as key strengths supporting its 'B' rating, highlighting financial resilience and prudent risk management (MarketScreener)
According to Fitch, the company boasts ample liquidity, holding $518 million in cash pro forma for its recent debt offering, providing ample cushion to cover near-term commitments and support strategic acquisitions (MarketScreener)
Atlanticus achieved solid profitability, posting a 4.7% annualized pre-tax return on average assets in 1H25, reflecting the impact of tighter underwriting standards and portfolio repricing measures (MarketScreener)
Fitch Ratings assigned Atlanticus a 'B' IDR, pointing to its modest franchise size, high portfolio delinquencies of 13.7% (30+ days) in 1H25, and annualized net charge-offs of 21.4%, highlighting the elevated credit risk within its subprime customer base (MarketScreener)
Fitch observed that Atlanticus' single-line business model and heavy reliance on key retail partnerships limit revenue diversification, exposing the company to risks linked to specific partners and broader consumer spending downturns (MarketScreener)
Interest expense jumped 41.5% year-over-year to $53.7 million in Q2 2025, showing the impact of higher funding costs from increased debt issuance, potentially squeezing future net margins if rates stay high (Globe Newswire via Nasdaq)
Data summarised monthly by Lightyear AI. Last updated on 7 Oct 2025.
Atlanticus Financial Performance
Revenues and expenses
Atlanticus Earnings Performance
Company profitability
Atlanticus News
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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
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FAQs
What’s the current market cap for Atlanticus stock?
Atlanticus (ATLC) has a market cap of $883M as of October 23, 2025.
What is the P/E ratio for Atlanticus stock?
The price to earnings (P/E) ratio for Atlanticus (ATLC) stock is 10.25 as of October 23, 2025.
Does Atlanticus stock pay dividends?
No, Atlanticus (ATLC) stock does not pay dividends to its shareholders as of October 23, 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.