Atlanticus Holdings Corporation
ATLC
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Bull / bear case
Site-generated summary from fundamentals, news, and score — not investment advice. As of 2026-10-08.
- Atlanticus Holdings Corporation is well-positioned in the credit services industry, benefiting from a strong revenue growth rate of 83.3% year-over-year.
- In the most recent quarter, revenue increased by 14% compared to the previous quarter, reaching $167 million.
- The company has a trailing P/E ratio of 12.07, indicating it may be undervalued relative to its earnings.
- The high debt-to-equity ratio of 853.53 raises concerns about financial stability and risk management.
- Despite revenue growth, the company's net income for the latest quarter was $49.72 million, which is only a modest increase from $44.18 million in the prior quarter.
- The stock has a beta of 1.99, suggesting higher volatility compared to the market, which may deter risk-averse investors.
Fundamentals
| Market cap | $1.39B | Enterprise value | $7.17B | Trailing P/E | 11.92 | Forward P/E | 6.75 |
| PEG | -0.10 | Price / book | 1.98 | Beta | 1.99 | Dividend yield | 0.00% |
| Revenue growth | 83.3% | Earnings growth | 66.0% | Gross margin | 73.0% | Operating margin | 29.5% |
| Profit margin | 21.1% | ROE | 23.0% | ROA | 2.8% | Debt / equity | 8.54 |
| Current ratio | 14.84 | Free cash flow | — | Analyst recommendation | strong_buy | Mean target | $130.60 |
| 52w high | $114.34 | 52w low | $47.50 |
Quarterly
| 2026-Q2 | 2026-Q1 | 2025-Q4 | 2025-Q3 | 2025-Q2 | 2025-Q1 | |
|---|---|---|---|---|---|---|
| Revenue | $167M | $146M | $123M | $103M | $89.6M | — |
| Op margin | — | — | — | — | — | — |
| Net income | $49.7M | $44.2M | $35.1M | $25.0M | $30.6M | — |
| Gross margin | — | — | — | — | — | — |
| Gross profit | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
- Revenue +14% vs prior quarter ($167M vs $146M).
Yearly (6y)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Revenue | $403M | $299M | $256M | $293M | — |
| Op margin | — | — | — | — | — |
| Net income | $122M | $111M | $103M | $136M | — |
| Gross margin | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
No flags
• No distress or material-risk keywords in recent headlines (keyword scan only — not a guarantee).
News
2026-10-09 · Is Atlanticus Holdings (ATLC) Undervalued After Its Mercury Financial Integration Story?
2026-10-07 · Should Value Investors Buy Atlanticus (ATLC) Stock?
2026-09-30 · How Fuel Economy Rule Changes Could Lift CarMax Stock And Auto Finance Shares
2026-09-24 · 2 Reasons ATLC is Risky and 1 Stock to Buy Instead
2026-09-23 · Atlanticus Holdings (ATLC) Sells Auto Finance Unit. Can it Replace Lost Earnings?
2026-09-21 · 3 Consumer Finance Stocks Exposed to Inflation Stress in US Households
2026-09-21 · Are Investors Undervaluing Atlanticus (ATLC) Right Now?
2026-09-18 · Atlanticus Holdings (ATLC) Completes CAR Auto Finance Exit
2026-09-17 · Atlanticus Completes $71.2 Million Sale of Auto Finance Division
2026-09-17 · Atlanticus Completes Sale of CAR Auto Finance Operations
2026-09-16 · Q2 Earnings Outperformers: Atlanticus Holdings (NASDAQ:ATLC) And The Rest Of The Personal Loan Stocks
2026-09-15 · Lazard, Perella Weinberg, Shift4, StoneX, and Atlanticus Holdings Shares Are Falling, What You Need To Know
Price (daily)
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