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Atlanticus Holdings Corporation (ATLC) Financial History

20 years of revenue, earnings, cash-flow and balance-sheet history from public filings.

FINANCIAL SERVICES · CREDIT SERVICES · DATA UPDATED 2026-09-16

Atlanticus Holdings Corporation (ATLC) operates in the CREDIT SERVICES industry and is headquartered in Atlanta, United States with about 576 employees. Its market capitalization is roughly $1 billion. In the fiscal year ended 2025-12-31, ATLC reported $704M in revenue and $122M in net income.

Atlanticus Holdings Corporation, a financial technology company, provides products and services to lenders in the United States. The company operates in two segments, Credit as a Service (CaaS) and Auto Finance.

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ATLC Revenue & Earnings History — Annual Income Statement

Income statement	TTM → 2026-06-30	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31	2007-12-31	2006-12-31
Total Revenue	$1.7B	$704M	$460M	$366M	$374M	$454M	$392M	$408M	$192M	$100M	$76M	$90M	$128M	$124M	$164M	$300M	$648M	($218M)	$479M	$1.8B	$1.3B
Gross Profit	$1.4B	$396M	$283M	$254M	$291M	$363M	$198M	$109M	$54M	$5M	$24M	$84M	$78M	$55M	$26M	$116M	$554M	($322M)	$356M	$711M	$771M
Gross Margin %	82.9%	56.3%	61.6%	69.5%	77.8%	80.0%	50.4%	26.7%	28.3%	4.5%	31.7%	93.3%	61.0%	44.9%	15.7%	38.6%	85.5%	147.6%	74.2%	40.4%	57.7%
Operating Income (EBIT)	$294M	$160M	$139M	$129M	$149M	$220M	$114M	$32M	$3M	($47M)	($12M)	$4M	($27M)	($23M)	($44M)	($2M)	($108M)	($745M)	($202M)	($42M)	$168M
Operating Margin %	17.7%	22.7%	30.1%	35.2%	39.9%	48.4%	29.2%	7.8%	1.8%	-47.0%	-16.3%	3.9%	-21.3%	-18.4%	-26.8%	-0.7%	-16.6%	341.1%	-42.0%	-2.4%	12.6%
Net Income	$154M	$122M	$111M	$103M	$136M	$178M	$94M	$26M	$8M	($41M)	($6M)	$2M	$7M	($18M)	$24M	$134M	($98M)	($541M)	($139M)	($51M)	$107M
Net Margin %	9.3%	17.3%	24.2%	28.1%	36.2%	39.2%	24.0%	6.5%	4.1%	-40.6%	-8.3%	1.9%	5.6%	-14.4%	14.9%	44.6%	-15.0%	247.7%	-29.1%	-2.9%	8.1%
EBITDA	$308M	$170M	$144M	$133M	$154M	$222M	$122M	$39M	$4M	($46M)	($5M)	$44M	$41M	($5M)	($41M)	$4M	($94M)	($723M)	($165M)	$10M	$206M
Earnings Per Share (EPS)	$8.03	$6.37	$5.92	$5.45	$7.00	$8.51	$4.68	$1.73	$0.56	$-2.93	$-0.45	$0.12	$0.51	$-1.29	$1.27	$5.19	$-2.44	$-11.33	$-2.98	$-1.05	$2.14
Shares Outstanding (M)	19M	19M	19M	19M	19M	21M	20M	15M	14M	14M	14M	14M	14M	14M	19M	26M	40M	48M	47M	49M	50M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

ATLC Quarterly Revenue & Earnings — Last 8 Quarters

Quarterly income statement	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30
Total Revenue	$551M	$680M	$248M	$179M	$143M	$135M	$133M	$119M
Gross Profit	$523M	$627M	$120M	$102M	$88M	$86M	$82M	$72M
Gross Margin %	95.0%	92.3%	48.5%	56.9%	61.6%	63.9%	61.2%	60.5%
Operating Income (EBIT)	$33M	$182M	$46M	$32M	$40M	$41M	$40M	$37M
Operating Margin %	6.1%	26.7%	18.7%	18.2%	28.0%	30.3%	29.9%	31.2%
Net Income	$50M	$44M	$35M	$25M	$31M	$32M	$31M	$30M
Net Margin %	9.0%	6.5%	14.2%	14.0%	21.3%	23.4%	23.5%	24.7%
EBITDA	$37M	$185M	$50M	$35M	$42M	$42M	$41M	$39M
Earnings Per Share (EPS)	$2.59	$2.30	$1.83	$1.30	$1.59	$1.66	$1.65	$1.57
Shares Outstanding (M)	19M	19M	19M	19M	19M	19M	19M	19M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

ATLC Free Cash Flow History

Cash flow	TTM → 2026-06-30	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31	2007-12-31	2006-12-31
Cash from Operations (CFO)	$937M	$638M	$469M	$459M	$346M	$212M	$213M	$100M	$43M	($26M)	$39M	$1M	($21M)	($27M)	$33M	$84M	$336M	$288M	$569M	$767M	$508M
Capital Expenditures (CapEx)	$1M	$5M	$2M	$4M	$5M	$7M	$1M	$0M	$1M	$0M	$0M	$1M	$4M	$3M	$2M	$2M	$4M	$4M	$10M	$66M	$28M
Free Cash Flow (FCF)	$936M	$633M	$468M	$455M	$341M	$205M	$212M	$100M	$41M	($27M)	$39M	$0M	($25M)	($30M)	$31M	$82M	$332M	$284M	$559M	$701M	$480M
FCF Margin %	56.5%	89.8%	101.8%	124.5%	91.1%	45.2%	54.1%	24.4%	21.6%	-26.8%	50.9%	-0.0%	-19.3%	-24.6%	18.8%	27.4%	51.2%	-130.2%	116.6%	39.9%	35.9%
Dividends Paid	$9M	$12M	$26M	$25M	$25M	$22M	$14M	$40M	$14M	$324M	$240M	$164M	$0M	$47M	$0M	$33M	$9M	$24M	$6M	—	—

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

ATLC Quarterly Free Cash Flow — Last 8 Quarters

Quarterly cash flow	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30
Cash from Operations (CFO)	$277M	$286M	$266M	$107M	$133M	$132M	$123M	$112M
Capital Expenditures (CapEx)	$0M	$0M	$0M	$0M	$2M	$3M	$2M	$0M
Free Cash Flow (FCF)	$277M	$286M	$266M	$107M	$131M	$129M	$121M	$112M
FCF Margin %	50.3%	42.1%	107.4%	60.1%	91.1%	95.7%	90.7%	94.0%
Dividends Paid	$2M	$2M	$2M	$2M	$2M	$6M	$6M	$7M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

ATLC Balance Sheet History

Balance sheet	2026-06-30	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31	2007-12-31	2006-12-31
Total Assets	$7.5B	$7.6B	$3.3B	$2.7B	$2.4B	$1.9B	$1.2B	$936M	$583M	$426M	$364M	$281M	$268M	$352M	$380M	$648M	$881M	$749M	$1.5B	$1.9B	$2.1B
Cash & Cash Equivalents	$645M	$621M	$375M	$339M	$385M	$410M	$178M	$135M	$61M	$42M	$77M	$52M	$42M	$53M	$84M	$145M	$69M	$191M	$75M	$138M	$95M
Total Liabilities	$6.8B	$7.0B	$2.8B	$2.3B	$2.0B	$1.6B	$1.1B	$896M	$605M	$462M	$358M	$270M	$261M	$351M	$361M	$572M	$819M	$541M	$778M	$1.0B	$1.2B
Total Debt (Short + Long-Term)	$6.3B	$6.6B	$2.6B	$2.1B	$3.5B	$2.7B	$1.8B	$1.5B	$935M	$563M	$397M	$286M	$279M	$247M	$262M	$489M	$1.1B	$608M	$825M	$657M	$708M
Total Shareholders' Equity	$742M	$609M	$493M	$395M	$365M	$327M	$117M	$40M	($22M)	($36M)	$6M	$11M	$7M	$1M	$19M	$76M	$43M	$189M	$722M	$793M	$884M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

Quarterly statements, profitability ratios, price history, insider activity and institutional holders are in the interactive ATLC viewer.

Other Companies in CREDIT SERVICES

ECPG · Encore Capital Group Inc — $2 billion
WU · Western Union Co — $2 billion
EZPW · EZCORP Inc — $2 billion
AGM.A · Federal Agricultural Mortgage Corporation — $2 billion
JCAP · Jefferson Capital, Inc. Common Stock — $1 billion
LU · Lufax Holding Ltd — $1 billion
QFIN · 360 Finance Inc — $984 million
NAVI · Navient Corp — $892 million

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