Atlanticus Holdings Corporation (ATLC)

NASDAQ: ATLC · USD

$89.9

+1.66 (+1.9%)· Recorded snapshot

Market cap	1.4B
Revenue (ttm)	730.5M
Net income (ttm)	144.8M
EPS (ttm)	$7.70
Shares out	15.2M
P/E (trailing)	11.7x
P/E (forward)	7.8x
Volume	46,632
Beta	1.99

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 730.5M
Net income (ttm): 144.8M
EPS (ttm): $7.70
P/E (trailing): 11.7x
P/E (forward): 7.8x
Market cap: 1.4B

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	Compra fuerte
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Compra fuerte
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Mantener

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E7.8

P25 n/aP50 n/aP75 n/a

Trailing P/E11.7

P25 n/aP50 n/aP75 n/a

ROE23

P25 n/aP50 n/aP75 n/a

ROIC2.3

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All ATLC indicators

Market & fundamental data

Available fields

255

Groups with data

Currency

USD

Showing 255 of 255 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0001464343
Company name	Atlanticus Holdings Corporation
Country	United States
Country code	US
CUSIP number	04914Y102
Earnings date	2026-11-09
Earnings time	bmo
Employees	576
Employees change	159
Employees growth	38.13%
Enterprise value	$7.1B
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	1996
In index	RUSSELL2000
Industry	Credit Services
IPO date	1999-04-23
Is primary listing	Yes
Is SPAC	No
ISIN number	US04914Y1029
Last 10-K release date	2026-03-12
Last earnings date	2026-08-06
Last refreshed	2026-10-28
Last stock split type	Never
Market cap	$1.4B
Market cap category	Small-Cap
Next earnings date	2026-11-09
Options	No
Price	$89.94
Price currency	USD
Sector	Financials
SIC code	6141
Stock price date	2026-10-28
Symbol	ATLC
U.S. state	Georgia
Website	https://www.atlanticus.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Adjusted P/E ratio	11.7x
Average P/E ratio (10Y)	5.7x
Average P/E ratio (3Y)	7.52x
Average P/E ratio (5Y)	6.47x
Earnings yield	8.56%
EV/Earnings	49.1x
EV/FCF	7.59x
EV/Sales	9.73x
FCF / EV yield	13.17%
FCF yield	68.41%
Forward EV/Sales	2.19x
Forward P/E	7.83x
Forward P/S	0.42x
Graham number	89.50508
Graham upside	-0.8%
Industry forward P/E	19.57x
Industry P/E	22.74x
Lynch fair value	$38.48
Lynch upside	-57.36%
P/(FCF - SBC) ratio	1.47x
P/(OCF - SBC) ratio	1.47x
P/B ratio	1.91x
P/E ratio	11.69x
P/FCF ratio	1.46x
P/OCF ratio	1.46x
P/S ratio	1.87x
Price / tangible book value	2.02x
Sector forward P/E	13.61x
Sector P/E	15.65x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Effective tax rate	24.59%
FCF margin	128.2%
Gross margin	72.98%
Operating margin	28.87%
Pretax margin	27.87%
Profit margin	21.08%
Profit per employee	$251,349
Profitable quarters	31
Profitable years	8
Revenue per employee	$1.3M
ROA	2.76%
ROA (5Y)	5.48%
ROE	22.97%
ROE (5Y)	29.09%
ROIC	2.26%
ROIC (5Y)	6.04%
SBC / revenue	0.91%
Tax / revenue	6.85%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	35.19%
EPS growth (Q)	65.99%
EPS growth (QoQ)	12.07%
EPS growth 10Y	42.11%
EPS growth 3Y	19.71%
EPS growth 5Y	4.11%
EPS growth quarters	3
EPS growth years	2
FCF growth	90.05%
FCF growth (Q)	112.08%
FCF growth (QoQ)	-3.23%
FCF growth 3Y	33.14%
FCF growth 5Y	29.9%
Net income growth	25.27%
Net income growth (Q)	62.62%
Net income growth (QoQ)	13.24%
Net income growth 3Y	20.51%
Net income growth 5Y	2.58%
Net income growth quarters	3
Net income growth years	2
OCF growth	87.69%
OCF growth (Q)	108.71%
OCF growth (QoQ)	-3.29%
OCF growth 10Y	44.38%
OCF growth 3Y	32.28%
OCF growth 5Y	29.9%
Operating income growth	34.36%
Operating income growth (Q)	65.81%
Operating income growth 3Y	16.16%
Operating income growth 5Y	2.64%
Revenue growth	59.79%
Revenue growth (Q)	83.29%
Revenue growth (QoQ)	17.88%
Revenue growth 10Y	22.13%
Revenue growth 3Y	27.93%
Revenue growth 5Y	16.28%
Revenue growth quarters	11
Revenue growth years	2

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-520,000
Depreciation and amortization	$9.5M
EPS	$7.70
FCF per share	$61.73
Financing cash flow	$636.9M
Free cash flow	$936.5M
Free cash flow minus SBC	$929.8M
Gross profit	$533.1M
Income taxes	$50.1M
Investing cash flow	$-1.4B
Net borrowing	$658.7M
Net cash flow	$161.9M
Net income	$144.8M
Operating cash flow minus SBC	$930.3M
Operating income	$210.9M
Revenue	$730.5M
Stock-based compensation	$6.7M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	$46.27
Debt / equity	8.54
Debt / FCF	6.72
Net cash (debt)	$-5.7B
Net cash / market cap	-419.3%
Net debt / equity	7.78
Net debt / FCF	6.13
Piotroski F-Score	5
Property, plant and equipment	$24.8M
Shareholders' equity	$737.5M
Tangible book value	$676.7M
Tangible book value per share	$44.61
Total assets	$7.5B
Total cash	$555.2M
Total debt	$6.3B
Total liabilities	$6.8B
WACC	2.71%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.13
Current ratio	14.84
Quick ratio	14.54
Working capital	$6.9B
Working capital turnover	0.14

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	-0.6%
Dividend per share	$0.00
Dividend yield	0%
Last dividend	$0.50
Shareholder yield	-0.6%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	2,520.92%
10Y return CAGR	38.63%
10Y total return	2,520.92%
150-day SMA	$88.45
15Y price change	2,749.53%
15Y return CAGR	25.02%
15Y total return	2,749.53%
1D price change	1.88%
1M price change	-1.11%
1M total return	-1.11%
1W price change	-0.89%
1W total return	-0.89%
1Y price change	55.51%
1Y return CAGR	55.56%
1Y total return	55.51%
20-day SMA	$91.58
200-day SMA	$80.04
20Y price change	168.32%
20Y return CAGR	5.89%
20Y total return	214.11%
3M price change	-12.22%
3M total return	-12.22%
3Y price change	219.38%
3Y return CAGR	47.25%
3Y total return	219.38%
50-day SMA	$92.27
50-day SMA vs 200-day SMA	50over200
52-week high	$114.34
52-week high date	2026-08-05
52-week low	$47.50
52-week low date	2026-03-16
5Y price change	29.6%
5Y return CAGR	5.32%
5Y total return	29.6%
6M price change	15.22%
6M total return	15.22%
All-time high	$114.34
All-time high date	2026-08-05
All-time low	$1.15
All-time low date	2014-10-10
Average true range (ATR)	$3.53
Average volume	107.8K
Beta (1Y)	1.19
Beta (2Y)	1.58
Beta (5Y)	1.99
Change from 52-week high	-21.34%
Change from 52-week low	89.35%
Change from all-time high	-20%
Change from all-time low	7,853.91%
Change from open	0%
Day's gap	1.88%
Dollar volume	$4.2M
High price	$89.94
Low price	$89.94
Monthly RSI	63.07
Open price	$89.94
Premarket change	0%
Premarket close	$88.28
Premarket price	$88.28
Previous close	$88.28
Price vs 150-day SMA	3.42%
Price vs 20-day SMA	-0.12%
Price vs 200-day SMA	14.28%
Price vs 50-day SMA	-0.86%
Relative volume	0.44
RSI	50.18
Sharpe ratio	1.04
Sharpe ratio (3Y)	0.94
Sharpe ratio (5Y)	0.3
Sortino ratio	1.6
Sortino ratio (3Y)	1.52
Sortino ratio (5Y)	0.54
Volume	46.6K
Weekly RSI	53.42
YTD price change	36.62%
YTD total return	36.62%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	5.5M
Float percentage	36.28%
Shares change (QoQ)	0.88%
Shares change (YoY)	0.6%
Shares held by insiders	61.99%
Shares held by institutions	27.28%
Shares outstanding	15.2M
Short % of float	10.44%
Short % of shares	3.79%
Short ratio	4.2 days

Deeper analysis on ATLC

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Frequently asked questions

About this ATLC report

Is a complete ATLC research report available?

No complete published report is available for Atlanticus Holdings Corporation (ATLC) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Atlanticus Holdings Corporation (ATLC)

Price

Financial snapshot

Fair-value bridge

Latest news · ATLC

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All ATLC indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on ATLC

Frequently asked questions