Atlanticus Holdings Corporation (ATLC) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Sales/Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Revenue Growth % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Cost of Goods Sold | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| COGS % of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | 627.5M | 120.27M | 101.79M | 88.23M | 86.07M | 81.66M | 72.29M | 62.38M | 66.71M | 65.19M | 62.38M | 64.67M | 61.95M | 58.36M | 67.66M | 80.37M | 84.92M | 95.3M | 104.38M | 80.24M |
| Gross Margin % | 92.34% | 48.55% | 56.93% | 61.57% | 63.91% | 61.22% | 60.54% | 61.11% | 63.7% | 66.24% | 68.4% | 72.51% | 71.3% | 70.4% | 75.55% | 80.79% | 82.87% | 77.51% | 82.85% | 76.33% |
| Gross Profit Growth % | 629.05% | 47.29% | 40.8% | 41.45% | 29.03% | 25.25% | 15.89% | -3.54% | 7.68% | 11.7% | -7.81% | -19.54% | -27.05% | -38.76% | -35.18% | 0.16% | 1.79% | 78.23% | 57.73% | 61.47% |
| Operating Expenses | 445.89M | 74.05M | 69.31M | 48.09M | 45.2M | 41.79M | 35.01M | 33.78M | 33.88M | 34.49M | 30.62M | 32.66M | 27.86M | 28.58M | 28.34M | 37.83M | 47.28M | 32.35M | 46.5M | 33.3M |
| OpEx % of Revenue | 65.61% | 29.89% | 38.76% | 33.56% | 33.57% | 31.33% | 29.31% | 33.09% | 32.36% | 35.04% | 33.58% | 36.61% | 32.07% | 34.47% | 31.65% | 38.03% | 46.14% | 26.31% | 36.91% | 31.68% |
| Selling, General & Admin | -36.47M | 55.17M | 53.5M | 38.33M | 35.84M | 29.9M | 27.15M | 25.55M | 23.74M | 26.24M | 23.96M | 25.11M | 21.01M | 21.72M | 21.42M | 30.33M | 32M | 25.64M | 24.92M | 21.56M |
| SG&A % of Revenue | -5.37% | 22.27% | 29.92% | 26.75% | 26.61% | 22.42% | 22.73% | 25.03% | 22.67% | 26.67% | 26.27% | 28.16% | 24.18% | 26.2% | 23.91% | 30.49% | 31.23% | 20.85% | 19.78% | 20.51% |
| Research & Development | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| R&D % of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Other Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | 181.61M | 46.22M | 32.48M | 40.15M | 40.87M | 39.87M | 37.29M | 28.6M | 32.82M | 30.7M | 31.76M | 32.01M | 34.08M | 29.78M | 39.32M | 42.54M | 37.63M | 62.95M | 57.88M | 46.94M |
| Operating Margin % | 26.72% | 18.66% | 18.16% | 28.02% | 30.35% | 29.89% | 31.22% | 28.02% | 31.34% | 31.2% | 34.83% | 35.89% | 39.23% | 35.92% | 43.9% | 42.76% | 36.72% | 51.2% | 45.94% | 44.65% |
| Operating Income Growth % | 344.38% | 15.94% | -12.89% | 40.36% | 24.52% | 29.84% | 17.41% | -10.65% | -3.7% | 3.1% | -19.22% | -24.75% | -9.44% | -52.69% | -32.07% | -9.38% | -27.34% | 100.56% | 19.92% | 67.1% |
| EBITDA | 185.19M | 50.34M | 34.97M | 41.83M | 42.47M | 41.27M | 38.57M | 29.86M | 34.07M | 31.96M | 32.85M | 32.87M | 34.93M | 30.54M | 40.01M | 44.02M | 39.55M | 65M | 56.6M | 47.83M |
| EBITDA Margin % | 27.25% | 20.32% | 19.56% | 29.19% | 31.54% | 30.94% | 32.3% | 29.25% | 32.54% | 32.48% | 36.02% | 36.85% | 40.2% | 36.83% | 44.68% | 44.25% | 38.59% | 52.87% | 44.93% | 45.49% |
| EBITDA Growth % | 336.08% | 21.98% | -9.33% | 40.12% | 24.64% | 29.11% | 17.41% | -9.16% | -2.45% | 4.67% | -17.9% | -25.35% | -11.69% | -53.02% | -29.31% | -7.95% | -24.87% | 94.72% | 12.6% | 58.97% |
| D&A (Non-Cash Add-back) | 3.59M | 4.12M | 2.49M | 1.69M | 1.6M | 1.4M | 1.28M | 1.25M | 1.25M | 1.26M | 1.09M | 852K | 844K | 754K | 694K | 1.48M | 1.92M | 2.05M | -1.28M | 883K |
| EBIT | 181.61M | 46.22M | 32.48M | 40.15M | 40.87M | 39.87M | 37.29M | 28.6M | 32.82M | 30.7M | 31.76M | 32.01M | 34.08M | 29.78M | 39.32M | 42.54M | 37.63M | 62.95M | 57.88M | 46.94M |
| Net Interest Income | 406.68M | 413.25M | 265.7M | 222.67M | 200.13M | 207.03M | 212.9M | 204.4M | 195.31M | 192.08M | 196.41M | 195.83M | 185.47M | 187.86M | 196.5M | 172.62M | 147.4M | 136.99M | 128.81M | 108.86M |
| Interest Income | 529.45M | 538.48M | 341.16M | 276.35M | 247.66M | 251.7M | 255.39M | 242.35M | 230.37M | 224.7M | 224.68M | 220.04M | 209.7M | 211.87M | 218.02M | 191.55M | 164.81M | 152.66M | 141.18M | 122.65M |
| Interest Expense | 122.76M | 125.22M | 75.46M | 53.68M | 47.53M | 44.67M | 42.49M | 37.95M | 35.06M | 32.62M | 28.27M | 24.21M | 24.23M | 24M | 21.51M | 18.93M | 17.41M | 15.67M | 12.37M | 13.79M |
| Other Income/Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Pretax Income | 58.85M | 46.22M | 32.48M | 40.15M | 40.87M | 39.87M | 37.29M | 28.6M | 32.82M | 30.7M | 31.76M | 32.01M | 34.08M | 29.78M | 39.32M | 42.54M | 37.63M | 62.95M | 57.88M | 46.94M |
| Pretax Margin % | 8.66% | 18.66% | 18.16% | 28.02% | 30.35% | 29.89% | 31.22% | 28.02% | 31.34% | 31.2% | 34.83% | 35.89% | 39.23% | 35.92% | 43.9% | 42.76% | 36.72% | 51.2% | 45.94% | 44.65% |
| Income Tax | 14.27M | 11.61M | 7.89M | 9.86M | 9.75M | 8.9M | 8.1M | 4.48M | 7M | 4.43M | 6.79M | 7.2M | 8.19M | 6.09M | 6.95M | 8.74M | -7.12M | 13.12M | 10.78M | 10.12M |
| Effective Tax Rate % | 24.25% | 25.12% | 24.3% | 24.55% | 23.85% | 22.31% | 21.72% | 15.65% | 21.33% | 14.43% | 21.36% | 22.49% | 24.02% | 20.46% | 17.67% | 20.55% | -18.92% | 20.83% | 18.63% | 21.55% |
| Net Income | 44.17M | 35.13M | 24.98M | 30.57M | 31.52M | 31.3M | 29.54M | 24.28M | 26.17M | 26.3M | 25.24M | 25.09M | 26.21M | 23.99M | 32.57M | 34.02M | 45.01M | 49.98M | 46.97M | 36.88M |
| Net Margin % | 6.5% | 14.18% | 13.97% | 21.33% | 23.41% | 23.47% | 24.74% | 23.79% | 24.99% | 26.73% | 27.68% | 28.13% | 30.17% | 28.94% | 36.37% | 34.2% | 43.92% | 40.65% | 37.29% | 35.08% |
| Net Income Growth % | 40.15% | 12.24% | -15.46% | 25.92% | 20.44% | 19% | 17.05% | -3.22% | -0.16% | 9.64% | -22.51% | -26.26% | -41.76% | -52% | -30.66% | -7.73% | 2.12% | 87.36% | 20.9% | 59.19% |
| Net Income (Continuing) | 44.58M | 34.61M | 24.59M | 30.29M | 31.12M | 30.97M | 29.19M | 24.13M | 25.82M | 26.27M | 24.97M | 24.81M | 25.89M | 23.69M | 32.37M | 33.8M | 44.76M | 49.84M | 47.1M | 36.83M |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | -4.46M | -4.87M | -4.54M | -4.15M | -3.86M | -3.54M | -3.26M | 97.49M | -2.75M | -2.26M | -2.23M | -1.96M | -1.69M | -1.37M | -1.18M | -979K | -751K | -500K | -745K | -868K |
| EPS (Diluted) | 2.23 | 1.75 | 1.18 | 1.51 | 1.49 | 1.42 | 1.27 | 0.99 | 1.09 | 1.10 | 1.03 | 1.32 | 1.05 | 0.98 | 1.38 | 1.43 | 1.93 | 2.39 | 1.96 | 1.56 |
| EPS Growth % | 49.66% | 23.24% | -7.09% | 52.53% | 36.7% | 29.09% | 23.3% | -25% | 3.81% | 12.24% | -25.36% | -7.69% | -45.6% | -59% | -29.59% | -8.33% | 1.05% | 88.19% | 13.95% | 67.74% |
| EPS (Basic) | 2.80 | 2.17 | 1.50 | 1.87 | 1.85 | 1.77 | 1.58 | 1.22 | 1.35 | 1.37 | 1.30 | 1.74 | 1.38 | 1.22 | 1.41 | 1.46 | 1.96 | 3.30 | 2.67 | 2.12 |
| Diluted Shares Outstanding | 19.19M | 19.19M | 19.19M | 19.19M | 18.94M | 18.94M | 18.81M | 18.81M | 18.72M | 18.7M | 18.91M | 18.96M | 18.98M | 18.65M | 19.03M | 19.48M | 20.06M | 20.85M | 20.85M | 21.02M |
| Basic Shares Outstanding | 15.12M | 15.12M | 15.12M | 15.12M | 14.9M | 14.9M | 14.74M | 14.77M | 14.67M | 14.6M | 14.5M | 14.44M | 14.47M | 14.45M | 18.6M | 19.07M | 19.76M | 15.12M | 15.12M | 15.18M |
| Dividend Payout Ratio | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |