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Last update at 2026-06-08T20:00:00Z
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Atlanticus Reports First Quarter 2025 Financial Results
Thu 08 May 25, 09:55 PMUpstart Holdings Stock Sees RS Rating Jump To 86
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Wed 16 Apr 25, 01:07 PMAtlanticus Holdings (ATLC): Among Top High-Risk, High-Reward Growth Stocks To Buy Now
Sun 30 Mar 25, 09:41 PMAtlanticus Reports Fourth Quarter and Full Year 2024 Financial Results
Thu 13 Mar 25, 09:28 PMAtlanticus Announces Approval of Quarterly Preferred Stock Dividend
Wed 29 Jan 25, 09:15 PMSynchrony Selects Atlanticus for Preferred Second Look Financing Program
Wed 26 Jun 24, 01:00 PM| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 159.71M | 138.58M | 128.56M | 149.27M | 219.57M |
| Minority interest | 1.59M | 1.19M | 1.16M | -0.98500M | -0.11300M |
| Net income | 122.20M | 111.30M | 102.84M | 135.60M | 177.90M |
| Selling general administrative | 69.57M | 50.14M | 43.91M | 43.06M | 34.02M |
| Selling and marketing expenses | 113.27M | 56.19M | 52.42M | 62.40M | 56.63M |
| Gross profit | 396.36M | 283.03M | 254.19M | 248.69M | 361.57M |
| Reconciled depreciation | 9.90M | 5.19M | 3.54M | 4.85M | 2.49M |
| Ebit | 159.71M | 138.58M | 128.56M | 207.03M | 219.69M |
| Ebitda | 169.61M | 143.76M | 132.60M | 211.88M | 222.18M |
| Depreciation and amortization | 9.90M | 5.19M | 4.04M | 4.85M | 2.49M |
| Non operating income net other | - | - | - | - | -29.43900M |
| Operating income | 159.71M | 138.58M | 128.56M | 207.03M | 219.69M |
| Other operating expenses | 544.78M | 321.00M | 237.12M | 237.47M | -180.11300M |
| Interest expense | 301.90M | 160.17M | 109.34M | 81.85M | 54.13M |
| Tax provision | 39.10M | 28.47M | 28.26M | 14.66M | 41.78M |
| Interest income | 1403.65M | 979.81M | 866.29M | 786.24M | 518.78M |
| Net interest income | 1101.74M | 819.64M | 765.57M | 704.38M | 464.66M |
| Extraordinary items | - | - | - | - | - |
| Non recurring | - | - | - | - | - |
| Other items | - | - | - | - | - |
| Income tax expense | 39.10M | 28.47M | 26.60M | 14.66M | 41.78M |
| Total revenue | 704.50M | 459.57M | 365.68M | 292.56M | 399.80M |
| Total operating expenses | 236.65M | 144.46M | 125.63M | 194.41M | -180.11300M |
| Cost of revenue | 308.14M | 176.54M | 111.49M | 43.87M | 38.23M |
| Total other income expense net | -308.70300M | -160.17300M | -129.29000M | -57.76000M | -0.11300M |
| Discontinued operations | - | - | - | - | - |
| Net income from continuing ops | 120.61M | 110.11M | 99.37M | 134.61M | 177.79M |
| Net income applicable to common shares | - | - | - | 110.52M | 155.54M |
| Preferred stock and other adjustments | - | - | - | 25.08M | 22.36M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 7623.09M | 3270.71M | 2706.45M | 2387.81M | 1943.86M |
| Intangible assets | 30.27M | - | - | - | - |
| Earning assets | - | - | - | - | - |
| Other current assets | 146.31M | - | -383.65300M | 75.62M | 112.62M |
| Total liab | 7019.26M | 2781.34M | 2173.78M | 2022.77M | 1616.36M |
| Total stockholder equity | 608.70M | 492.91M | 434.68M | 366.41M | 328.00M |
| Deferred long term liab | - | - | - | - | - |
| Other current liab | 5479.82M | -114.06800M | 1841.31M | 60.69M | -1254.42500M |
| Common stock | - | - | - | - | - |
| Capital stock | 0.00000M | 0.00000M | 0.00000M | 40.00M | 40.00M |
| Retained earnings | 506.42M | 394.63M | 307.26M | 204.41M | 60.24M |
| Other liab | - | - | - | - | - |
| Good will | - | - | - | - | - |
| Other assets | 6810.31M | 2757.19M | 39.30M | -1730.69500M | 1522.85M |
| Cash | 621.09M | 375.42M | 383.65M | 384.98M | 409.66M |
| Cash and equivalents | - | - | - | - | - |
| Total current liabilities | 436.65M | 72.09M | 1949.83M | 1762.25M | 42.29M |
| Current deferred revenue | - | - | -17.86100M | -16.19000M | -29.28100M |
| Net debt | 5921.51M | 2129.77M | 1642.66M | 1432.82M | 1017.00M |
| Short term debt | 79.71M | 92.15M | 64.75M | 1673.42M | 1283.71M |
| Short long term debt | - | - | - | - | - |
| Short long term debt total | 6542.61M | 2505.19M | 2026.32M | 1817.80M | 1426.66M |
| Other stockholder equity | 102.28M | 98.28M | 87.42M | 122.00M | 227.76M |
| Property plant equipment | - | - | - | 10.01M | 7.33M |
| Total current assets | 767.41M | 375.42M | 2655.84M | 4106.73M | 409.66M |
| Long term investments | - | - | - | 1905.41M | 1410.23M |
| Net tangible assets | - | - | - | 466.36M | 427.65M |
| Short term investments | - | - | - | - | - |
| Net receivables | - | - | 2272.18M | 3721.74M | 2849.75M |
| Long term debt | 6517.32M | 2481.00M | 2006.14M | 1797.69M | 1421.82M |
| Inventory | - | - | 383.65M | - | - |
| Accounts payable | 284.51M | 72.09M | 61.63M | 44.33M | 42.29M |
| Total permanent equity | - | - | - | - | - |
| Noncontrolling interest in consolidated entity | - | - | - | -1.37100M | -0.50000M |
| Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
| Accumulated other comprehensive income | - | - | - | - | - |
| Additional paid in capital | - | - | - | - | - |
| Common stock total equity | - | - | - | - | - |
| Preferred stock total equity | - | - | - | - | - |
| Retained earnings total equity | - | - | - | 204.41M | 60.24M |
| Treasury stock | - | - | - | - | - |
| Accumulated amortization | - | - | - | - | - |
| Non currrent assets other | 66.95M | 156.29M | -11.44500M | -10.01300M | -11.35100M |
| Deferred long term asset charges | - | - | - | - | - |
| Non current assets total | 6855.68M | 2895.29M | 11.31M | 11.78M | 11.35M |
| Capital lease obligations | 25.28M | 24.19M | 20.18M | 20.11M | 4.84M |
| Long term debt total | - | - | - | 1797.69M | 1421.82M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | - | -747.03100M | -617.35000M | -675.93300M | -469.03300M |
| Change to liabilities | - | - | - | 14.67M | 27.84M |
| Total cashflows from investing activities | -1511.86400M | -747.03100M | -672.20300M | -680.78500M | -475.02200M |
| Net borrowings | 1204.13M | 462.98M | 201.40M | 370.77M | 479.81M |
| Total cash from financing activities | 1141.67M | 393.61M | 163.34M | 261.25M | 510.33M |
| Change to operating activities | - | - | - | -254.35900M | -111.84300M |
| Net income | 120.61M | 111.30M | 102.84M | 134.61M | 177.79M |
| Change in cash | 267.77M | 115.98M | -49.53900M | -73.43600M | 247.67M |
| Begin period cash flow | 499.64M | 383.65M | 433.19M | 506.63M | 258.96M |
| End period cash flow | 767.41M | 499.64M | 383.65M | 433.19M | 506.63M |
| Total cash from operating activities | 637.96M | 469.40M | 459.32M | 346.13M | 212.37M |
| Issuance of capital stock | 17.84M | 8.16M | 1.36M | 0.44M | 75.27M |
| Depreciation | 9.90M | 17.02M | 4.04M | 4.85M | 2.49M |
| Other cashflows from investing activities | -1439.00100M | -745.24200M | -668.21100M | -4.85200M | -5.98900M |
| Dividends paid | 12.43M | 25.74M | 24.91M | 24.79M | 21.81M |
| Change to inventory | - | - | - | - | - |
| Change to account receivables | - | - | -247.35300M | - | - |
| Sale purchase of stock | -69.56700M | -52.67400M | -17.67300M | -89.00800M | -25.21900M |
| Other cashflows from financing activities | 0.27M | 1.97M | 4.53M | 684.37M | 0.39M |
| Change to netincome | - | - | - | 581.24M | 250.80M |
| Capital expenditures | 5.02M | 1.79M | 3.99M | 4.85M | 7.09M |
| Change receivables | - | - | - | -252.70400M | -111.80700M |
| Cash flows other operating | - | - | - | -4.45600M | 25.95M |
| Exchange rate changes | - | - | - | - | -0.00500M |
| Cash and cash equivalents changes | - | - | - | -73.40000M | 247.67M |
| Change in working capital | -444.67200M | -270.69100M | -238.44500M | -239.68700M | -84.00000M |
| Stock based compensation | 4.29M | 3.90M | 3.78M | 4.17M | 3.24M |
| Other non cash items | 909.18M | 577.39M | 549.27M | 442.19M | 208.72M |
| Free cash flow | 632.94M | 467.62M | 455.32M | 341.28M | 205.28M |
Sector: Financial Services Industry: Credit Services
| Company | Change (USD) | Price (USD) | Trailing PE (x) | Forward PE (x) | Price Sales TTM (x) | Price to Book Value (x) | Enterprise Value to Revenue (x) | |
|---|---|---|---|---|---|---|---|---|
| ATLC Atlanticus Holdings Corporation |
1.79 2.13% | 85.89 | 12.03 | 7.87 | 1.92 | 1.76 | 18.91 | |
| V Visa Inc. Class A |
-3.9 1.21% | 319.67 | 31.25 | 25.97 | 16.18 | 13.64 | 16.19 | 23.37 |
| MA Mastercard Inc |
-5.41 1.10% | 485.67 | 37.04 | 29.50 | 16.14 | 62.35 | 16.47 | 27.24 |
| AXP American Express Company |
1.64 0.53% | 312.30 | 21.46 | 18.83 | 3.38 | 6.76 | 3.93 | |
| COF Capital One Financial Corporation |
-0.28 0.15% | 180.39 | 61.36 | 10.04 | 3.84 | 1.12 | 3.02 |
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. Its CaaS segment offers private label credit products associated with the healthcare space under the Curae brand, as well as consumer electronics, furniture, elective medical procedures, and home-improvement under the Fortiva brand and its retail partners' brands; and general-purpose credit cards under the Aspire, Imagine, Mercury, and Fortiva brand names. The company's private label and general-purpose credit cards originated from its bank partners through various channels, including retail and healthcare point-of-sale locations, direct mail solicitation, and digital marketing and partnerships with third parties. This segment also offers loan servicing, such as risk management and customer service outsourcing for third parties, as well as engages in other product testing and investments. The Auto Finance segment purchases and/or services loans secured by automobiles from or for a pre-qualified network of independent automotive dealers and automotive finance companies in the buy-here and pay-here used car business. This segment also provides floor plan financing and installment lending products. The company was founded in 1996 and is headquartered in Atlanta, Georgia.
Five Concourse Parkway, Atlanta, GA, United States, 30328
| Name | Title | Year Born |
|---|---|---|
| Mr. David G. Hanna | Exec. Chairman | 1965 |
| Mr. Jeffrey A. Howard | Pres, CEO & Director | 1970 |
| Mr. William R. McCamey | Chief Financial Officer | 1969 |
| Mr. Mitchell C. Saunders | Chief Accounting Officer | 1973 |
| Ms. Linda Brooks | Chief Technology Officer | NA |
| Mr. Kas Naderi | Chief Information Officer & Sr. VP of Technology Systems | NA |
| Ms. Rosalind Drakeford | Managing Counsel, Chief Compliance Officer & Corp. Sec. | NA |
| Mr. Matt Zalubowski | Sr. VP of Marketing | NA |
| Mr. David Caruso | Chief Commercial Officer | NA |
| Mr. Brian Stone | Chief Data Science & Risk Officer | NA |
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