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StockVS

NASDAQ · Credit Services · USD

Atlanticus Holdings Corporation (ATLC) Stock Analysis

Atlanticus Holdings Corporation (ATLC) is a Credit Services stock listed on NASDAQ and quoted in US Dollar.

ATLC

$93.13

−$3.58 (−3.70%)

Sep 4, 2026 · Market close

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Price History

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ATLC Key Statistics

As of Sep 4, 2026
Trading
Open
$96.00
Previous Close
$96.71
Day's Range
92.74–97.18
52-Week Range
47.50–114.34
Volume
250.40K
BetaHow much the share price moves relative to the wider market. 1.0 moves in line with it; above 1.0 swings more, below 1.0 less.
2.02
Valuation
Market Cap
$1.41B
P/E Ratio
12.59
Forward P/EShare price divided by forecast earnings for the year ahead, rather than the year just past.
6.98
PEG RatioThe P/E ratio divided by the expected earnings growth rate. It puts a high P/E in the context of how fast profits are growing.
−0.10
P/S ratioMarket value divided by annual revenue. Useful for companies that are not yet profitable, where a P/E cannot be calculated.
1.93
EPS (ttm)Profit attributable to each share over the last twelve months.
7.40
Financials (FY)
Revenue (FY)
$402.60M+34.47%
Net Income (FY)
$122.20M+9.80%
Profit marginThe share of revenue left as profit after all costs and taxes.
21.08%
Shares OutstandingThe total number of shares held by all investors. Market value is this figure multiplied by the share price.
15.17M
1-Year Return
+35.44%
Dividend and dates
Earnings Date
November 9, 2026
Avg Volume
169.46K

Only metrics the company reports are shown. Data provided by Yahoo Finance via yfinance. Updated daily.

ATLC Stock Return by Calendar Year

Calendar-year returns computed from daily closing prices. Partial years are shown muted and marked with an asterisk.

YearReturn
2026 (partial year)+39.10%
2025+20.03%
2024+44.25%
2023+47.60%
2022−63.26%
2021+189.57%
2020+173.36%
2019+147.53%
2018+51.67%
2017−15.49%
2016 (partial year)−2.41%

As of September 4, 2026.

ATLC Revenue and Earnings by Fiscal Year

FY ends December
Fiscal yearRevenueNet incomeNet margin
2025$402.60M$122.20M30.4%
2024$299.40M$111.30M37.2%
2023$256.34M$102.85M40.1%
2022$292.57M$135.60M46.3%
Fiscal yearRevenueGross profitOperating incomeNet incomeNet margin
2025$402.60M——$122.20M30.4%
2024$299.40M——$111.30M37.2%
2023$256.34M——$102.85M40.1%
2022$292.57M——$135.60M46.3%

Annual figures as reported, in the company's reporting currency. As of December 31, 2025.

ATLC Valuation vs Credit Services Median

Median of 60 stocks
MetricATLCCredit Services medianvs median
P/E12.5912.471% above
P/S ratio1.931.6418% above
Profit margin21.08%9.99%11.1 pts above

Medians across 60 Credit Services stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of September 4, 2026.

Recent News

All 7 articles ↓

News provided by third-party sources. Not financial advice.

Analysis

Data-derived

Company Overview

Atlanticus Holdings Corporation (ATLC) is capitalised at $1.41B on the latest close. The company sits in the Financial Services sector, in the Credit Services industry. Headcount on file is 576.

The most recent close on file for ATLC is $93.13, dated September 4, 2026. That is −$3.58 (−3.70%) against the previous close. The 52-week range on file runs from $47.50 to $114.34. The latest close sits 96.06% above that 52-week low.

Financial Health

Fiscal 2025 revenue came to $402.60M. That is +34.47% against the prior fiscal year, when revenue was $299.40M. Net income for the same year was $122.20M. That is +9.80% against the prior fiscal year. The reported profit margin is 21.08%. That is 11.1 percentage points above the Credit Services median of 9.99%. Earnings per share on a trailing basis come to 7.4.

Across the 4 fiscal years on file, revenue moves from $292.57M in 2022 to $402.60M in 2025. Of those 4 years, 4 report positive net income.

Valuation Assessment

The trailing P/E ratio stands at 12.59. That is 0.96% above the Credit Services median of 12.47. On forward earnings the ratio is 6.98. The PEG ratio, which sets the P/E against expected earnings growth, reads −0.1. The price-to-sales ratio is 1.93. On price-to-sales that is 17.9% above the Credit Services median of 1.64. 60 Credit Services companies report these metrics, and the medians quoted come from that group.

The reported beta is 2.02. Daily returns over the trailing 10 years annualize to a volatility of 68.89%. Over the trailing twelve months the price has returned +35.44%. Across 10 years the annualized return works out at +40.62%.

Growth & Income

The record shows no dividend for ATLC.

So far in 2026 the price is +39.10%. The strongest complete calendar year on file is 2021 at +189.57%; the weakest is 2022 at −63.26%. Of the 9 complete calendar years on file, 7 finished higher.

Peer Comparison

Atlanticus Holdings Corporation (ATLC) operates in the Credit Services industry. Here is how it compares to its closest peers by market capitalization:

Company Ticker Market Cap P/E Ratio
Atlanticus Holdings Corporation ATLC $1.41B 12.6
Visa Inc. V $700.27B 31.9
Mastercard Incorporated MA $507.39B 32.3
American Express Company AXP $220.26B 20.0

The Credit Services industry average P/E ratio is 12.5x. Atlanticus Holdings Corporation trades at a P/E of 12.6.

Every figure above is read from this page's own data on each nightly rebuild. Informational only, not financial advice. As of September 4, 2026.

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About 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.

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