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Atlanticus Holdings Corp

ATLC Clue Score58
United States Fiscal year ends December CIK 0001464343
$93.73 +2.16% Close, 9 Oct 2026
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Price $93.73 +71.98% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Net income−6.3EPS, diluted−0.46Fiscal year 2017Revenue5.3Net income−40.8EPS, diluted−2.93Fiscal year 2018Revenue5.6 +5.4%Net income7.9EPS, diluted0.56Fiscal year 2019Revenue455.2 +8,092.9%Net income26.4 +236.6%EPS, diluted1.66 +196.4%Fiscal year 2020Revenue563.4 +23.8%Net income94.1 +255.9%EPS, diluted3.95 +138.0%Fiscal year 2021Revenue748.1 +32.8%Net income177.9 +89.0%EPS, diluted7.56 +91.4%Fiscal year 2022Revenue1,046.9 +40.0%Net income135.6 −23.8%EPS, diluted5.83 −22.9%Fiscal year 2023Revenue1,155.9 +10.4%Net income102.8 −24.2%EPS, diluted4.24 −27.3%Fiscal year 2024Revenue1,311.4 +13.5%Net income111.3 +8.2%EPS, diluted4.77 +12.5%Fiscal year 2025Revenue1,968.4 +50.1%Net income122.2 +9.8%EPS, diluted5.96 +24.9%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue n/a 5.3 5.6 455.2 563.4 748.1 1,046.9 1,155.9 1,311.4 1,968.4
Growth +5.4% +8,092.9% +23.8% +32.8% +40.0% +10.4% +13.5% +50.1%
Net income −6.3 −40.8 7.9 26.4 94.1 177.9 135.6 102.8 111.3 122.2
Growth +236.6% +255.9% +89.0% −23.8% −24.2% +8.2% +9.8%
EPS, diluted −0.46 −2.93 0.56 1.66 3.95 7.56 5.83 4.24 4.77 5.96
Growth +196.4% +138.0% +91.4% −22.9% −27.3% +12.5% +24.9%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Fiscal year 2017Net margin−773.4%Free cash flow margin−509.5%Fiscal year 2018Net margin141.4%Free cash flow margin746.5%Fiscal year 2019Net margin5.8%Free cash flow margin21.9%Fiscal year 2020Net margin16.7%Free cash flow margin37.6%Fiscal year 2021Net margin23.8%Fiscal year 2022Net margin13.0%Fiscal year 2023Net margin8.9%Fiscal year 2024Net margin8.5%Fiscal year 2025Net margin6.2%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin n/a −773.4% 141.4% 5.8% 16.7% 23.8% 13.0% 8.9% 8.5% 6.2%
Free cash flow margin n/a −509.5% 746.5% 21.9% 37.6% n/a n/a n/a n/a n/a

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow39.0Capital expenditure−0.3Free cash flow38.7Buybacks−0.9Fiscal year 2017Operating cash flow−26.5Capital expenditure−0.4Free cash flow−26.9 −169.5%Buybacks−0.4Fiscal year 2018Operating cash flow42.9Capital expenditure−1.4Free cash flow41.5Buybacks−0.7Fiscal year 2019Operating cash flow100.0Capital expenditure−0.3Free cash flow99.7 +140.4%Buybacks−2.5Fiscal year 2020Operating cash flow212.7Capital expenditure−0.7Free cash flow212.0 +112.6%Buybacks−3.4Fiscal year 2021Operating cash flow212.4Buybacks−25.2Fiscal year 2022Operating cash flow347.6Buybacks−89.0Fiscal year 2023Operating cash flow459.3Buybacks−17.7Fiscal year 2024Operating cash flow469.4Buybacks−52.7Fiscal year 2025Operating cash flow638.0Buybacks−69.6
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 39.0 −26.5 42.9 100.0 212.7 212.4 347.6 459.3 469.4 638.0
Capital expenditure −0.3 −0.4 −1.4 −0.3 −0.7 n/a n/a n/a n/a n/a
Free cash flow 38.7 −26.9 41.5 99.7 212.0 n/a n/a n/a n/a n/a
Growth −169.5% +140.4% +112.6%
Buybacks −0.9 −0.4 −0.7 −2.5 −3.4 −25.2 −89.0 −17.7 −52.7 −69.6

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
Cash
Fiscal year 2016Cash76.1Shareholders’ equity5.8Fiscal year 2017Cash42.5Shareholders’ equity−36.0Fiscal year 2018Shareholders’ equity−21.8Fiscal year 2019Shareholders’ equity0.9Fiscal year 2020Shareholders’ equity77.3Fiscal year 2021Shareholders’ equity288.0Fiscal year 2022Shareholders’ equity326.4Fiscal year 2023Cash339.3Shareholders’ equity394.7Fiscal year 2024Cash375.4Shareholders’ equity492.9Fiscal year 2025Cash621.1Shareholders’ equity608.7
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 76.1 42.5 n/a n/a n/a n/a n/a 339.3 375.4 621.1
Shareholders’ equity 5.8 −36.0 −21.8 0.9 77.3 288.0 326.4 394.7 492.9 608.7

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Income statement

In millions of USD, except per-share figures; shares in millions. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Revenue and profit
n/a 5.3 5.6 455.2 563.4 748.1 1,046.9 1,155.9 1,311.4 1,968.4
Growth +5.4% +8,092.9% +23.8% +32.8% +40.0% +10.4% +13.5% +50.1%
n/a 31.5 37.1 49.5 63.0 75.4 95.4 100.6 118.4 160.8
−12.4 −47.3 3.5 31.8 114.4 219.6 149.3 128.6 138.6 159.7
−6.0 −6.4 −4.1 5.6 20.5 41.8 14.7 26.6 28.5 39.1
−6.3 −40.8 7.9 26.4 94.1 177.9 135.6 102.8 111.3 122.2
Growth +236.6% +255.9% +89.0% −23.8% −24.2% +8.2% +9.8%
Per share
−0.46 −2.93 0.56 1.74 5.32 10.32 7.55 5.35 5.92 7.40
−0.46 −2.93 0.56 1.66 3.95 7.56 5.83 4.24 4.77 5.96
Growth +196.4% +138.0% +91.4% −22.9% −27.3% +12.5% +24.9%
13.9 13.9 13.9 14.5 14.5 15.1 14.6 14.5 14.7 15.1
13.9 13.9 14.0 15.3 20.1 20.9 19.4 18.9 18.8 19.2
Growth +0.0% +0.4% +9.1% +31.6% +4.0% −7.3% −2.5% −0.4% +2.0%

Five years in brief

Worked out from the figures above, not from a press release
  • Revenue grew 28.4% a year over five years, and earnings per share grew 8.6% a year.
  • The diluted share count fell 4.6% in five years, so buybacks did some of the work per share.
  • A net loss in 2 of 10 years on file.