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ATLC stock logo

ATLC

Atlanticus Holdings Corporation

$92
-1.03
 (-1.11%)
Exchange:  NASDAQ
Market Cap:  1.391B
Shares Outstanding:  33.158M
Delayed data
Calculate ATLC Intrinsic Value
5-year outlook →
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Financial – Credit Services
   
CEO:  Jeffrey A. Howard
Full Time Employees:  576
Address: 
Five Concourse Parkway
Atlanta
GA
30328
US
Website:  https://www.atlanticus.com
Atlanticus Holdings Corporation, operating under the ticker ATLC, is a financial services enterprise providing a spectrum of credit and related financial solutions to consumers throughout the United States. The company’s operations are structured into two principal divisions: Credit as a Service and Auto Finance. The Credit as a Service segment is dedicated to the origination and facilitation of various consumer loan products. This includes both private label credit cards, often associated with specific retailers or healthcare providers, and general purpose credit cards. These cards are issued by lenders and disseminated through multiple avenues, such as retail and healthcare partnerships, targeted direct mail campaigns, digital marketing initiatives, and collaborations with external organizations. This segment empowers customers to finance acquisitions of diverse goods and services, ranging from consumer electronics and furniture to elective medical procedures, general healthcare, educational offerings, and home renovation projects. Beyond loan origination, it also offers comprehensive loan servicing, encompassing risk management and outsourced customer support for third parties, while concurrently engaging in research and development, and making strategic investments in nascent consumer finance technology platforms. The Auto Finance segment is focused on the purchase and servicing of loans collateralized by automobiles. These activities are performed for or on behalf of a carefully selected network of independent automotive dealerships and specialized finance companies, particularly those operating within the “buy-here, pay-here” and used car markets. This segment also extends its financial offerings to include inventory financing, commonly known as floor plan financing, and various installment lending products. Furthermore, Atlanticus Holdings Corporation strategically invests in and actively manages portfolios comprised of credit card receivables. The company was founded in 1996 and is headquartered in Atlanta, Georgia.

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Revenue Segmentation

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EPS

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Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2026/05/07 — Q1 quarter 2026

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue365,679459,573704,498
Gross Profit254,185283,032396,360
EBITDA132,601143,764169,609
Operating Income128,558138,577159,713
Net Income102,845111,296122,204

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets2,706,4453,270,7077,623,088
Total Liabilities2,173,7782,691,3446,979,258
Total Stockholders Equity434,675532,906608,700
Total Debt2,026,3182,505,1885,844,044
Cash and Cash Equivalents383,653375,416767,407

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow459,317469,405637,963
Capital Expenditure-3,99200
Free Cash Flow455,325469,405637,963
Net Income102,845110,106120,609
Net Change in Cash-49,539115,983267,771

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2028Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Low)3,803,582.565Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (High)3,928,324.341Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Avg)3,849,505Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Low)1,382,244.756Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (High)1,427,576.666Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Avg)1,398,933.244Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Low)346,623.150Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (High)361,455.085Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Avg)354,039.118Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Low)940,029.341Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (High)970,858.415Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Avg)951,378.756Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Avg)18.350Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (High)18.840Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Low)18.070Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated Revenue)1Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated EPS)1Research AccessResearch AccessResearch AccessResearch Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
1.311B  ?P/S
 (TTM)
: 
0.88
?Net Income
 (TTM)
: 
111.296M  ?P/E
 (TTM)
: 
10.01
?Enterprise Value
 (TTM)
: 
7.102B  ?EV/FCF
 (TTM)
: 
7.58
?Dividend Yield
 (TTM)
: 
0%  ?Payout Ratio
 (TTM)
: 
5.99%
?ROE
 (TTM)
: 
23.09%  ?ROIC
 (TTM)
: 
2.96%
?Net Debt
 (TTM)
: 
2.006B  ?Debt/Equity
 (TTM)
: 
8.48
?P/B
 (TTM)
: 
1.96  ?Current Ratio
 (TTM)
: 
14.9

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Research Access for high/low estimates and the interactive table.

Forward P/E 1YResearch AccessResearch AccessResearch AccessResearch Access
10.51Research AccessResearch AccessResearch AccessResearch Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates ATLC intrinsic value between $170.25 – $367.24 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

[intrinsic_calculator]

Common questions about ATLC valuation

Is Atlanticus Holdings Corporation (ATLC) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Atlanticus Holdings Corporation (ATLC) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is ATLC a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether ATLC trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is ATLC’s P/E ratio?

You can see ATLC’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for ATLC?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is ATLC a good long-term investment?

Whether ATLC fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

ATLC

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

-1.11
MARKETSnap

Trading Metrics:

Open: 94.92   Previous Close: 93.03
Day Low: 91.73   Day High: 94.92
Year Low: 47.5   Year High: 114.34
Price Avg 50: 100.15   Price Avg 200: 73.53
Volume: 47828   Average Volume: 141516

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See in Nexus

Relevant news

Atlanticus Announces Approval of Quarterly Preferred Stock Dividend
20-05-2026 16:15
Atlanticus Announces Approval of Quarterly Preferred Stock Dividend
Atlanticus Q2 Earnings Call Spotlights Mercury Progress and Credit
13-08-2026 10:01
Atlanticus Q2 Earnings Call Spotlights Mercury Progress and Credit
Atlanticus Holdings Corporation (ATLC) Q2 2026 Earnings Call Transcript
12-08-2026 20:17
Atlanticus Holdings Corporation (ATLC) Q2 2026 Earnings Call Transcript
Fast-paced Momentum Stock Atlanticus (ATLC) Is Still Trading at a Bargain
20-05-2026 09:56
Fast-paced Momentum Stock Atlanticus (ATLC) Is Still Trading at a Bargain
Atlanticus Holdings Corporation (ATLC) Hit a 52 Week High, Can the Run Continue?
15-06-2026 10:16
Atlanticus Holdings Corporation (ATLC) Hit a 52 Week High, Can the Run Continue?
All You Need to Know About Atlanticus (ATLC) Rating Upgrade to Strong Buy
12-06-2026 13:01
All You Need to Know About Atlanticus (ATLC) Rating Upgrade to Strong Buy

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