Fool - Investing News·4 days ago
Atlanticus CFO Unloads $1 Million in Shares. Should You Sell ATLC Too?This specialty finance firm, focused on consumer credit and auto lending, disclosed a notable insider sale amid strong recent returns.
Atlanticus Holdings Corporation(ATLC)Earnings, Financials & Key Ratios
ATLC•NASDAQ
$95.83
16.1× P/E·Price updated Jul 6, 2026
SectorFinancial ServicesIndustryCredit ServicesSub-IndustryConsumer Credit Issuers and Installment Lenders
AboutAtlanticus Holdings Corporation provides credit and related financial services and products to customers the United States. It operates in two segments, Credit as a Service, and Auto Finance. The Credit as a Service segment originates a range of consumer loan products, such as private label and general purpose credit cards originated by lenders through various channels, including retail and healthcare, direct mail solicitation, digital marketing, and partnerships with third parties; and offers credit to their customers for the purchase of various goods and services, including consumer electronics, furniture, elective medical procedures, healthcare, educational services, and home-improvements by partnering with retailers and service providers. In addition, it offers loan servicing, such as risk management and customer service outsourcing for third parties; and engages in testing and investment activities in consumer finance technology platforms. 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, pay-here, and used car business. This segment also provides floor plan financing and installment lending products. Further, the company invests in and services portfolios of credit card receivables. Atlanticus Holdings Corporation was founded in 1996 and is headquartered in Atlanta, Georgia.Show more
- EBITDA$170M+18.0%
- Net Income$122M+9.8%
- EPS (Diluted)5.96+24.9%
- Gross Margin56.26%-8.6%
- EBITDA Margin24.08%-23.0%
- Operating Margin22.67%-24.8%
- Net Margin17.35%-28.4%
- ROE22.36%-11.4%
ATLC Price & Volume
Atlanticus Holdings Corporation (ATLC) stock price & volume — 10-year historical chart
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Rapid Asset Expansion Masks Underlying Margin Compression
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Accelerating
Profitability:Moderate
Financial:Vulnerable
Cash Flow:Mixed
Primary Risk:Credit loss provision volatility
Key Thesis Takeaways
- Atlanticus Holdings is currently undergoing an aggressive balance sheet expansion, with total assets surging to $7.5 billion in 2026Q1, which raises significant concerns regarding the sustainability of its credit-intensive business model.
- While revenue growth has accelerated to $679.6 million, the concurrent contraction of net margins to 6.5% suggests that the company may be sacrificing profitability to capture market share in the subprime sector.
- Investors should monitor the company's high debt-to-equity ratio of 9.29 and the potential for future credit loss volatility as the firm scales its loan portfolio in a challenging interest rate environment.
Verdict Logic
while the forward P/E of 11.73 appears attractive, the rapid asset growth to $7.5 billion and the structural decline in net margins to 6.5% warrant a cautious wait-and-see approach.
ATLC Growth Metrics
Atlanticus Holdings Corporation (ATLC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years22.8%
5 Years12.45%
3 Years23.45%
TTM-
Profit CAGR
10 Years53.23%
5 Years5.36%
3 Years-3.41%
TTM15.61%
EPS CAGR
10 Years47.78%
5 Years8.57%
3 Years0.74%
TTM29.01%
Return on Capital
10 Years2.53%
5 Years6.86%
3 Years4.32%
Last Year3.08%
ATLC Recent Earnings
Atlanticus Holdings Corporation (ATLC) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 12/12 qtrs (100%)●Beat Revenue 4/12 qtrs (33%)
Q2 2026Latest
May 7, 2026Metric
Actual
Est
EPS
$2.23+32.0%
$1.69
Rev
$680M-9.3%
$749M
Q2 2026
Mar 12, 2026Metric
Actual
Est
EPS
$1.75+10.1%
$1.59
Rev
$734M+6.2%
$692M
Q4 2025
Nov 10, 2025Metric
Actual
Est
EPS
$1.48+10.4%
$1.34
Rev
$179M-74.2%
$692M
Q3 2025
Aug 7, 2025Metric
Actual
Est
EPS
$1.51+16.2%
$1.30
Rev
$394M+5.4%
$374M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 7, 2026 | $2.23vs $1.69+32.0% | $680Mvs $749M-9.3% |
| Q2 2026 | Mar 12, 2026 | $1.75vs $1.59+10.1% | $734Mvs $692M+6.2% |
| Q4 2025 | Nov 10, 2025 | $1.48vs $1.34+10.4% | $179Mvs $692M-74.2% |
| Q3 2025 | Aug 7, 2025 | $1.51vs $1.30+16.2% | $394Mvs $374M+5.4% |
Based on last 12 quarters of dataView full earnings history →
Latest ATLC News
Recent stock market news and headlines for Atlanticus Holdings Corporation (ATLC)
Zacks Investment Research·5 days ago
Fast-paced Momentum Stock Atlanticus (ATLC) Is Still Trading at a BargainAtlanticus (ATLC) made it through our 'Fast-Paced Momentum at a Bargain' screen and could be a great choice for investors looking for stocks that have gained strong momentum recently but are still trading at reasonable prices.
Zacks Investment Research·Jun 29, 2026
Should Value Investors Buy Atlanticus (ATLC) Stock?Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.
Zacks Investment Research·Jun 25, 2026
Strength Seen in Atlanticus (ATLC): Can Its 3.1% Jump Turn into More Strength?Atlanticus (ATLC) was a big mover last session on higher-than-average trading volume. The latest trend in earnings estimate revisions might not help the stock continue moving higher in the near term.
Peers Comparison
Key metrics vs top competitors for Atlanticus Holdings Corporation (ATLC)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $95.83 | $1.45B | 16.08 | 53.29% | 17.35% | 22.36% | 0.68% | |
| $657.20 | $6.85B | 17.50 | 8.57% | 19.61% | 29.39% | — | |
| $60.08 | $7.04B | 9.16 | 9.09% | 16.12% | 23.62% | — | |
| $234.78 | $5.86B | 20.27 | 18.58% | 9.95% | 24.88% | — | |
| $201.61 | $935.54M | 29.30 | 3.7% | 5.98% | 9.36% | — | |
| $18.33 | $699.12M | -2.35 | 10.36% | -21.88% | -25% | — |
Compare ATLC vs Peers
Atlanticus Holdings Corporation (ATLC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
ATLC SEC Filings & Documents
Atlanticus Holdings Corporation (ATLC) SEC filings — annual & quarterly reports (10-K, 10-Q)
8-K Announcements
6Material company update
May 13, 2026·SEC
Material company update
Sep 17, 2025·SEC
Material company update
Aug 20, 2025·SEC
10-K Annual Reports
510-Q Quarterly Reports
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ATLC Frequently Asked Questions
Atlanticus Holdings Corporation (ATLC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
What is Atlanticus Holdings Corporation's revenue?
Atlanticus Holdings Corporation (ATLC) reported $1.25B in revenue for fiscal year 2025.
How fast is Atlanticus Holdings Corporation growing?
Atlanticus Holdings Corporation (ATLC) grew revenue by 53.3% over the past year. This is strong growth.
Is ATLC profitable?
Yes, Atlanticus Holdings Corporation (ATLC) is profitable, generating $134.9M in net income for fiscal year 2025 (17.3% net margin).
Dividend & Returns
Does ATLC pay dividends?
Yes, Atlanticus Holdings Corporation (ATLC) pays a dividend with a yield of 0.68%. This makes it attractive for income-focused investors.
What is ATLC's return on equity?
Atlanticus Holdings Corporation (ATLC) has a return on equity (ROE) of 22.4%. This is excellent, indicating efficient use of shareholder capital.
What is Atlanticus Holdings Corporation's free cash flow?
Atlanticus Holdings Corporation (ATLC) generated $790.1M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.