ATLC
Atlanticus Holdings Corporation
NASDAQ: ATLC · FINANCIAL SERVICES · CREDIT SERVICES
$79.41
+3.56% today
Updated 2026-04-30
Market cap
$1.18B
P/E ratio
13.24
P/S ratio
2.11x
EPS (TTM)
$5.96
Dividend yield
—
52W range
$46 – $79
Volume
0.1M
Atlanticus Holdings Corporation (ATLC) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.34B | $1.76B | $479.27M | $-218.33M | $648.19M | $300.26M | $163.79M | $123.55M | $128.32M | $90.32M | $75.91M | $100.42M | $192.22M | $407.83M | $391.81M | $453.93M | $374.42M | $365.68M | $459.57M | $704.50M |
| Revenue growth (YoY) | — | +31.8% | -72.8% | -145.6% | +396.9% | -53.7% | -45.5% | -24.6% | +3.9% | -29.6% | -16.0% | +32.3% | +91.4% | +112.2% | -3.9% | +15.9% | -17.5% | -2.3% | +25.7% | +53.3% |
| Cost of revenue | $565.05M | $1.05B | $123.49M | $103.94M | $94.05M | $184.40M | $138.02M | $68.11M | $50.03M | $6.06M | $51.83M | $95.85M | $137.78M | $299.11M | $194.27M | $90.58M | $83.10M | $111.49M | $176.54M | $308.14M |
| Gross profit | $770.78M | $711.27M | $355.78M | $-322.27M | $554.14M | $115.86M | $25.77M | $55.44M | $78.29M | $84.26M | $24.08M | $4.57M | $54.43M | $108.71M | $197.55M | $363.34M | $291.31M | $254.19M | $283.03M | $396.36M |
| Gross margin | 57.7% | 40.4% | 74.2% | 147.6% | 85.5% | 38.6% | 15.7% | 44.9% | 61.0% | 93.3% | 31.7% | 4.5% | 28.3% | 26.7% | 50.4% | 80.0% | 77.8% | 69.5% | 61.6% | 56.3% |
| R&D | — | — | — | — | — | $0.00 | $0.00 | $0.00 | $2.70M | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — | — |
| SG&A | $50.21M | $74.37M | $347.04M | $250.88M | $130.87M | $21.02M | $18.31M | $17.83M | $19.78M | $19.82M | $24.03M | $22.75M | $23.43M | $26.23M | $29.08M | $34.02M | $43.06M | $43.91M | $50.14M | $69.57M |
| Operating income | $167.93M | $-42.26M | $-201.55M | $-744.74M | $-107.76M | $-2.05M | $-43.83M | $-22.78M | $-27.30M | $3.54M | $-12.36M | $-47.25M | $3.48M | $31.76M | $114.39M | $219.57M | $149.27M | $128.56M | $138.58M | $159.71M |
| Operating margin | 12.6% | -2.4% | -42.1% | 341.1% | -16.6% | -0.7% | -26.8% | -18.4% | -21.3% | 3.9% | -16.3% | -47.1% | 1.8% | 7.8% | 29.2% | 48.4% | 39.9% | 35.2% | 30.2% | 22.7% |
| EBITDA | $205.79M | $9.86M | $-165.18M | $-722.87M | $-94.20M | $4.14M | $-41.26M | $-5.08M | $40.77M | $44.10M | $-4.88M | $-46.23M | $4.47M | $39.46M | $122.34M | $222.07M | $154.12M | $132.60M | $143.76M | $169.61M |
| EBITDA margin | 15.4% | 0.6% | -34.5% | 331.1% | -14.5% | 1.4% | -25.2% | -4.1% | 31.8% | 48.8% | -6.4% | -46.0% | 2.3% | 9.7% | 31.2% | 48.9% | 41.2% | 36.3% | 31.3% | 24.1% |
| EBIT | $167.93M | $-42.26M | $-201.55M | $-744.74M | $-107.76M | $-2.05M | $-43.83M | $-22.78M | $-27.30M | $3.54M | $-12.36M | $-47.25M | $3.48M | $31.76M | $114.39M | $219.57M | $149.27M | $128.56M | $138.58M | $159.71M |
| Interest expense | $52.47M | $81.52M | $52.88M | $41.87M | $58.63M | $43.83M | $31.12M | $23.87M | $24.05M | $18.33M | $20.21M | $27.70M | $36.90M | $50.73M | $51.55M | $54.13M | $81.85M | $109.34M | $160.17M | $301.90M |
| Income tax | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Effective tax rate | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Net income | $107.47M | $-51.00M | $-139.47M | $-540.89M | $-97.50M | $134.02M | $24.45M | $-17.74M | $7.18M | $1.71M | $-6.33M | $-40.78M | $7.86M | $26.44M | $94.12M | $177.90M | $135.60M | $102.84M | $111.30M | $122.20M |
| Net income growth (YoY) | — | -147.4% | -173.5% | -287.8% | +82.0% | +237.4% | -81.8% | -172.6% | +140.5% | -76.1% | -469.8% | -543.7% | +119.3% | +236.6% | +255.9% | +89.0% | -23.8% | -24.2% | +8.2% | +9.8% |
| Profit margin | 8.0% | -2.9% | -29.1% | 247.7% | -15.0% | 44.6% | 14.9% | -14.4% | 5.6% | 1.9% | -8.3% | -40.6% | 4.1% | 6.5% | 24.0% | 39.2% | 36.2% | 28.1% | 24.2% | 17.3% |