ATLC
Financial ServicesAtlanticus Holdings Corporation
$66.62
+$0.27 (+0.41%)
Jan 5, 2026
Price History (1Y)
Analysis
Atlanticus Holdings Corporation is a financial services company that operates in the credit services industry. As of the latest data available, it has a market capitalization of $1.01 billion and annual revenues of approximately $498.50 million. The company has a significant workforce with 417 employees. The financial health of Atlanticus Holdings appears to be stable, with gross margins at 71.7% and operating margins at 28.2%. The company's net income over the trailing twelve months stands at $105.26 million. Its returns on equity (ROE) are high at 19.6%, while its return on assets (ROA) is relatively lower at 2.3%. The debt-to-equity ratio is substantial at 970.05, indicating significant leverage. However, the company has a sizable cash reserve of $425.02 million. Valuation metrics for Atlanticus Holdings include a price-to-earnings (P/E) ratio of 11.77 and a forward P/E of 7.72. The revenue growth rate is high at 41.3%, although earnings growth has declined by 4.4% year-over-year. Dividend information is not available, and the payout ratio is zero.
This analysis is AI-generated for informational purposes only and should not be considered financial advice. Data may be delayed or inaccurate. Always do your own research and consult a qualified financial advisor before making investment decisions.
About Atlanticus Holdings Corporation
Atlanticus Holdings Corporation, a financial technology company, provides products and services to lenders in the United States. It operates in two segments, Credit as a Service (CaaS) and Auto Finance. The 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, and Fortiva brand names. Its 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.
Visit website →Key Statistics
- Market Cap
- $1.01B
- P/E Ratio
- 11.77
- 52-Week High
- $78.91
- 52-Week Low
- $41.37
- Avg Volume
- 74.60K
- Beta
- 1.95
Company Info
- Industry
- Credit Services
- Exchange
- NMS
- Country
- United States
- Employees
- 417