ATLC
Atlanticus Holdings Corp
Next earnings Aug 5, 2026 · consensus $2.46 EPS, $731M rev
$110.41
▲ 0.00%$110.41▲ +116.66%
over 1Y
L $47.96EODHDH $110.41
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+0.0%
1W+10.9%
1M+22.7%
3M+109.5%
YTD+66.4%
1Y+116.7%
Buy
Conviction
Horizon
Medium (3–12mo)
Street · 11 analysts
Strong Buy
Revenue grew 50.1% YoY.
The read
Quality fundamentals and an attractive price line up (~105% below fair value) — the rarer case where both the business and the entry look good.
Atlanticus Holdings Corp shows $1.97B in FY2025 revenue (+50.1% YoY), a 6.2% net margin, and 20.1% ROE.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | $748M | $1.05B | $1.16B | $1.31B | $1.97B |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $178M | $136M | $103M | $111M | $122M |
| Diluted EPS | $7.56 | $5.83 | $4.24 | $4.77 | $5.96 |
| Net margin | 23.8% | 13.0% | 8.9% | 8.5% | 6.2% |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF2.6
PEG (trailing)1.89
Earnings yield7.4%
FCF yield38.7%
Quality & risk
ROIC (est.)—
Free cash flow$637M
Total debt—
Net cash$621M
Piotroski F-Score4/6
Capital returns
Buyback yield4.2%
Dividend yield (est.)—
Shareholder yield4.2%
Shares Δ YoY-1.3%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsSome governance/structural items recently, but no outright red flags.
Recent filings
all on EDGAR ↗4Period ending 2026-06-262026-06-26open ↗4Period ending 2026-06-262026-06-26open ↗144Filing2026-06-26open ↗144Filing2026-06-26open ↗144Filing2026-06-23open ↗144Filing2026-06-18open ↗144Filing2026-06-18open ↗4Period ending 2026-06-122026-06-16open ↗4Period ending 2026-06-122026-06-16open ↗144Filing2026-06-15open ↗144Filing2026-06-12open ↗144Filing2026-06-09open ↗
Frequently asked
- Is Atlanticus Holdings Corp (ATLC) a buy?
- ATLC currently carries a Buy rating with 4/5 conviction, derived from its latest SEC filings. Revenue grew 50.1% YoY.
- What is ATLC's fair value?
- A Modified-Graham model based on ATLC's SEC fundamentals estimates a fair value of about $226.48. It is an estimate from reported earnings, not a price target.
- Is ATLC overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, ATLC currently appears undervalued relative to its SEC-grounded earnings power.
- What is Atlanticus Holdings Corp's quality score?
- ATLC scores 79.55882352941175/100 (grade B+) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0001464343, latest 10-Q filed 2026-05-07) · EODHD · as of 6/26/2026, 7:14:12 PM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.