Explore 3 Stock Ideas & Industry Insights Download Free Report

888-969-2592
Shopping Cart 0
countryflagCA
Login

Home CompaniesAtlanticus Holdings Corporation

Atlanticus Holdings Corporation

Financial Services Credit Services
PortfolioPortfolio WatchlistWatchlist
Company price
80.135 USD -11.10 ( 12.16%)
Last update at 2026-11-09T18:17:00Z
VOLUME
157342
Market Cap
1411.57M
P/E
12.31

Momentum Score

…

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.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
79.72
Low
94.53
High
52 Week Price Range
47.50
Low
114.34
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Atlanticus Holdings Corporation is a specialty consumer finance company that originates and services credit and payment products and offers related insurance through digital channels and bank partnerships. Long-term growth may be supported by digital customer acquisition, product diversification and fee-based revenue streams.
Key risks include consumer credit losses, sensitivity to funding costs and interest-rate cycles, regulatory and legal exposure, and competition for customers and pricing.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
91.23
Dividend Yield
-
Revenue TTM
730.47M
Revenue Per Share
48.42
Gross Profit TTM
533.08M
Debt / Equity
10.75
ROE
22.97%
Net Debt
5921.51M
ROCE
2.22%
Diluted EPS TTM
7.56

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

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 -0.98M -0.11M
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 - - - - -29.44M
Operating income 159.71M 138.58M 128.56M 207.03M 219.69M
Other operating expenses 544.78M 321.00M 237.12M 237.47M -180.11M
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
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 -180.11M
Cost of revenue 308.14M 176.54M 111.49M 43.87M 38.23M
Total other income expense net -308.70M -160.17M -129.29M -57.76M -0.11M
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 - - - -
Other current assets 146.31M - -383.65M 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
Other current liab 5479.82M -114.07M 1841.31M 60.69M -1254.42M
Capital stock 0.00M 0.00M 0.00M 40.00M 40.00M
Retained earnings 506.42M 394.63M 307.26M 204.41M 60.24M
Other assets 6810.31M 2757.19M 39.30M -1730.69M 1522.85M
Cash 621.09M 375.42M 383.65M 384.98M 409.66M
Total current liabilities 436.65M 72.09M 1949.83M 1762.25M 42.29M
Current deferred revenue - - -17.86M -16.19M -29.28M
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 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
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
Noncontrolling interest in consolidated entity - - - -1.37M -0.50M
Retained earnings total equity - - - 204.41M 60.24M
Non currrent assets other 66.95M 156.29M -11.45M -10.01M -11.35M
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 - -747.03M -617.35M -675.93M -469.03M
Change to liabilities - - - 14.67M 27.84M
Total cashflows from investing activities -1511.86M -747.03M -672.20M -680.78M -475.02M
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 - - - -254.36M -111.84M
Net income 120.61M 111.30M 102.84M 134.61M 177.79M
Change in cash 267.77M 115.98M -49.54M -73.44M 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 -1439.00M -745.24M -668.21M -4.85M -5.99M
Dividends paid 12.43M 25.74M 24.91M 24.79M 21.81M
Change to account receivables - - -247.35M - -
Sale purchase of stock -69.57M -52.67M -17.67M -89.01M -25.22M
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 - - - -252.70M -111.81M
Cash flows other operating - - - -4.46M 25.95M
Exchange rate changes - - - - -0.01M
Cash and cash equivalents changes - - - -73.40M 247.67M
Change in working capital -444.67M -270.69M -238.44M -239.69M -84.00M
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

Peer Comparison*

Sector: Financial Services Industry: Credit Services

Stock Name
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		 -11.10
12.16%		 80.14 12.31 7.87 1.93 2.05 14.35
V
Visa Inc. Class A		 2.27
0.54%		 424.92 31.25 25.97 16.18 13.64 16.19
MA
Mastercard Inc		 7.12
1.09%		 659.82 31.59 24.88 14.31 89.68 14.71
AXP
American Express Company		 4.82
1.50%		 325.81 21.46 18.83 3.38 6.76 3.93
COF
Capital One Financial Corporation		 0.74
0.36%		 202.61 11.39 8.75 2.64 1.11 2.76

Profile*

Atlanticus Holdings Corporation

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

770 828 2000

https://www.atlanticus.com

576

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

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

Kalkine

3 Mining Stock
Ideas Report

Download a free report with stock ideas and industry insights for general information.

Download Free Report Now → sector image

Top Stocks by Market Cap*

GFR
CAD 10.94
+37.96%
MOON
CAD 4.90
+11.11%
UCU
CAD 2.37
+10.75%
ANRG
CAD 1.90
+10.47%
EPRX
CAD 10.71
+10.30%
DIV
CAD 3.77
-7.37%
CSU
CAD 3281.97
-6.93%
LMN
CAD 26.62
-5.23%
TOI
CAD 99.75
-4.80%
GRZ
CAD 5.05
-4.72%

Equity Sectors*

  • Basic Materials

    +4.21%

  • Communication Services

    -0.63%

  • Consumer Cyclical

    +1.12%

  • Consumer Defensive

    +0.09%

  • Energy

    +1.91%

  • Financial Services

    +1.63%

  • Healthcare

    +1.49%

  • Industrials

    +3.56%

  • Real Estate

    +0.66%

  • Technology

    +1.84%

  • Utilities

    +1.24%

Note: Daily price change (%) by sector excluding stocks with +/-90% daily price change. Companies above $500 million market capitalization are considered.

Support

Hi! How can we help you today?

Loading…