Atlanticus Holdings Corp (ATLC) Financial Statements
Industry: Personal Credit Institutions
In fiscal 2025, Atlanticus reported revenue of $1.97B, up 50.1% from $1.31B the year before. Net income was $122.2M (a 6.2% net margin), or $5.96 per diluted share. Gross margin was 91.8% and operating margin was 86.1%. Operating activities generated $638.0M of cash. At fiscal year end, Atlanticus held $7.62B in total assets against $6.98B in total liabilities, including $621.1M of cash and equivalents.
Open the full interactive Atlanticus financials → Quarterly statements, key ratios, valuation history and price charts.
Atlanticus Key Stats
| Share Price | $94.75 |
|---|---|
| Market Cap | $1.82B |
| P/E Ratio | 15.9 |
| Revenue YoY Growth | +50.1% |
| 52-Week Range | $47.96 – $111.79 |
| Shares Outstanding | 15.2 million (basic, 2026 Q2) |
Atlanticus Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Revenue | $563.4M | $748.1M | $1.05B | $1.16B | $1.31B | $1.97B |
| Cost of Goods Sold | $63.0M | $75.4M | $95.4M | $100.6M | $118.4M | $160.8M |
| Gross Profit | $500.4M | $672.7M | $951.5M | $1.06B | $1.19B | $1.81B |
| Operating Income | $465.4M | $616.0M | $889.1M | $1.00B | $1.14B | $1.69B |
| Pre-Tax Income | $114.4M | $219.6M | $149.3M | $128.6M | $138.6M | $159.7M |
| Income Tax | $20.5M | $41.8M | $14.7M | $26.6M | $28.5M | $39.1M |
| Net Income | $94.1M | $177.9M | $135.6M | $102.8M | $111.3M | $122.2M |
| Diluted EPS | $3.95 | $7.56 | $5.83 | $4.24 | $4.77 | $5.96 |
Atlanticus Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $494.7M | $734.4M | $679.6M | $744.3M |
| Net Income | $25.0M | $35.1M | $44.2M | $49.7M |
| Diluted EPS | $1.21 | $1.83 | $2.23 | $2.50 |
Atlanticus Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | — | — | — | — | $375.4M | $621.1M |
| Total Assets | $1.21B | $1.94B | $2.39B | $2.71B | $3.27B | $7.62B |
| Total Long-Term Debt | $882.6M | $1.28B | $1.65B | $1.86B | $2.20B | $5.82B |
| Total Liabilities | $991.4M | $1.52B | $1.92B | $2.17B | $2.69B | $6.98B |
| Shareholders' Equity | $77.3M | $288.0M | $326.4M | $394.7M | $492.9M | $608.7M |
Atlanticus Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $212.7M | $212.4M | $346.1M | $459.3M | $469.4M | $638.0M |
| Cash From Investing | -$292.6M | -$475.0M | -$680.8M | -$672.2M | -$747.0M | -$1.51B |
| Cash From Financing | $162.4M | $510.3M | $261.3M | $163.3M | $393.6M | $1.14B |
| Free Cash Flow | $212.0M | — | — | — | — | — |
Figures from Atlanticus' 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Atlanticus financials page for every line item.
Atlanticus Company Profile
| Ticker | ATLC |
|---|---|
| Exchange | Nasdaq |
| Industry | Personal Credit Institutions |
| Headquarters | Atlanta, Georgia |
| Incorporated in | Georgia |
| Fiscal Year End | December 31 |
| SEC Filer Category | Accelerated filer |
| SEC CIK | 0001464343 |
Frequently Asked Questions
What was Atlanticus' revenue in fiscal 2025?
Atlanticus (ATLC) reported revenue of $1.97B for fiscal 2025.
What is Atlanticus' annual revenue history?
Atlanticus' annual revenue by fiscal year: 2020: $563.4M; 2021: $748.1M; 2022: $1.05B; 2023: $1.16B; 2024: $1.31B; 2025: $1.97B.
What was Atlanticus' net income in fiscal 2025?
Atlanticus reported net income of $122.2M for fiscal 2025.
What was Atlanticus' earnings per share (EPS) in fiscal 2025?
Atlanticus' diluted EPS was $5.96 for fiscal 2025 (adjusted for any later stock splits).
What was Atlanticus' revenue last quarter?
In its most recent reported quarter (2026 Q2), Atlanticus reported revenue of $744.3M.
How much debt does Atlanticus have?
Atlanticus reported $5.82B of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Atlanticus are outstanding?
Atlanticus reported a weighted average of 15.2 million basic shares outstanding in 2026 Q2.
What is Atlanticus' market cap?
Based on its latest closing price, Atlanticus (ATLC) has a market capitalization of about $1.82B.
When does Atlanticus' fiscal year end?
Atlanticus' fiscal year end, as registered with the SEC, is December 31.
Where is Atlanticus headquartered?
Atlanticus lists its business address in Atlanta, Georgia in its SEC filings.