ATLC · Atlanticus Holdings Corporation
Atlanticus Holdings Corp (ATLC)
What's happening
- ATLC is up 1.32% today, trading at $92.03. — Live quote
- Volume today (5,061) is well below its 3-month average of 152,980. (Finnhub fundamentals)
- Reports earnings on 2026-11-05, 14 days away. (Finnhub earnings calendar)
- Last quarter's EPS beat estimates: $2.50 actual vs. $2.47 estimated (+1.1%). (Finnhub earnings history)
Deterministic template sentences filled in from the same sourced figures shown elsewhere on this page -- not an AI-written summary, no live model call.
Key Statistics
Analyst Recommendations
Aggregate ratings for 2026-10-01 (12 analysts polled by Finnhub) — consensus count.
Performance Overview (Trailing returns vs S&P 500 benchmark)
Earnings Trends (Quarterly EPS Actual vs Estimate)
Valuation Measures & Ratios
Quarterly history (5 periods)
| Measure | Jun '26 | Mar '26 | Sep '25 | Jun '25 | Mar '25 |
|---|---|---|---|---|---|
| Market cap | $2.03B | $1.04B | $1.20B | $1.11B | $1.08B |
| P/E | 13.59 | 7.93 | 10.28 | 9.54 | 9.70 |
| Price/Sales | 0.88 | 0.54 | 0.76 | 0.79 | 0.83 |
| Price/Book | 2.89 | 1.61 | 2.03 | 1.96 | 2.03 |
| EV/Revenue | 0.64 | 0.20 | 0.49 | 0.55 | 0.56 |
| ROE | 21.29% | 20.24% | 19.79% | 20.58% | 20.93% |
| ROA | 1.99% | 1.76% | 1.65% | 3.18% | 3.41% |
Trailing-twelve-month ratios computed from SEC EDGAR quarterly figures and historical daily close prices (Alpaca). Diluted shares are derived from Net income ÷ EPS (diluted) for each quarter, not separately reported. Forward P/E/PEG unavailable (no free data source).
Glossary — what these abbreviations mean
- 1. TTM
- Trailing twelve months — the sum of the last four reported quarters, not a calendar year or the single latest quarter.
- 2. EPS
- Earnings per share — net income divided by diluted shares outstanding.
- 3. Beta
- A stock's historical volatility relative to the overall market. Above 1 means it has moved more than the market; below 1, less.
- 4. EV (Enterprise Value)
- Market cap plus total debt minus cash — roughly what it would cost to buy the whole company, debt included.
- 5. Forward P/E
- Price divided by analysts' estimated earnings for the next 12 months, instead of trailing actual earnings.
- 6. PEG Ratio
- P/E divided by expected earnings growth rate. A lower number can indicate a stock is cheap relative to how fast it's expected to grow.
- 7. Price / Book
- Share price divided by book value (assets minus liabilities) per share.
- 8. ROE
- Return on equity — net income divided by shareholders' equity, a measure of how efficiently a company turns equity into profit.
- 9. ROA
- Return on assets — net income divided by total assets, a measure of how efficiently a company turns assets into profit.
- 10. MRQ
- Most recent quarter — the single latest reported period, as opposed to TTM. The Financials section's "Quarterly" view below shows MRQ-style figures.
- 11. YoY
- Year over year — percent change versus the same period one year earlier, used for growth figures like those on Compare cards and the Screener.
Short Interest
Source: FINRA Rule 4560 consolidated short interest, settlement date 2026-09-30. Reported bi-monthly with a reporting lag — not real-time.
Quotes and the 1-day extended-hours chart: Yahoo Finance. Longer historical charts: Alpaca (IEX feed) — real-time but IEX-only volume (~2.5% of consolidated market volume). Fundamentals + earnings: Finnhub.
Price history
Drag horizontally to zoom into a section; use Reset view to restore all observations.
Technical signal summary
Calculating from the latest year of daily price history…
Show Technical Analysis Breakdown ▾ 10 Indicators
Not investment advice — read several signals together.
Indicators None active
History limited by data provider; markers are heuristics, not signals.
Peer and sector context
Balanced evidence
A deterministic summary of sourced facts—not an AI verdict.
Potential strengths
- Revenue growth is 96.2% on the provider's reported measure. Finnhub fundamentals ↗
- Net profit margin is 13.0%. Finnhub fundamentals ↗
- Trailing 52-week price return is +64.9%. Finnhub market metrics ↗
Potential concerns
- Latest SEC filing is Form 8-K, filed 2026-10-06; review it for current changes and risks. SEC EDGAR ↗
Rule-based facts only; absence from either side is not evidence, and this is not a recommendation.
More on ATLC
No accessible free API for these — links go to the source directly.
Financials
Fundamental trends
Visualized from the same SEC figures in the tables below.
Income statement
| Line item | Jun '26 | Mar '26 | Sep '25 | Jun '25 | Mar '25 | Sep '24 | Jun '24 | Mar '24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $744.3M | $679.6M | $494.7M | $394.2M | $345.2M | $351.2M | $316.0M | $290.7M |
| Net income | $49.7M | $44.2M | $25.0M | $30.6M | $31.5M | $29.5M | $24.3M | $26.2M |
| EPS (diluted) | $2.50 | $2.23 | $1.21 | $1.51 | $1.49 | $1.27 | $0.99 | $1.09 |
| EPS (basic) | $3.13 | $2.80 | $1.50 | $1.87 | $1.85 | $1.58 | $1.22 | $1.35 |
| Net margin | $7 | $7 | $5 | $8 | $9 | $8 | $8 | $9 |
Balance sheet
| Line item | Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $7.49B | $7.47B | $7.62B | $7.08B | $3.64B | $3.27B | $3.27B | $3.04B |
| Total liabilities | $6.75B | $6.78B | $6.98B | $6.45B | $3.04B | $2.70B | $2.69B | $2.47B |
| Stockholders' equity | $701.9M | $648.4M | $608.7M | $589.3M | $563.3M | $532.7M | $492.9M | $457.7M |
| Cash & equivalents | $555.2M | $651.1M | $621.1M | $425.0M | $329.4M | $350.4M | $375.4M | $308.7M |
| Property, plant & equipment | $10.9M | $11.8M | $12.6M | $13.5M | $13.7M | $12.4M | $10.5M | $9.7M |
| Intangible assets | $25.1M | $27.7M | $30.3M | $31.9M | — | — | $0 | — |
| Common stock & paid-in capital | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Retained earnings | $595.7M | $548.3M | $506.4M | $473.6M | $450.9M | $422.6M | $394.6M | $368.3M |
| Accumulated other comprehensive income (loss) | — | — | — | — | — | — | — | — |
Cash flow
| Line item | Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $276.9M | $286.3M | $266.3M | $107.5M | $132.7M | $131.6M | $122.6M | $112.4M |
| Investing cash flow | -$369.2M | -$51.2M | -$484.5M | -$506.9M | -$405.5M | -$114.9M | -$176.0M | -$306.3M |
| Financing cash flow | -$66.6M | -$198.5M | $459.8M | $442.2M | $294.6M | -$54.9M | $168.3M | $171.5M |
| Capital expenditures | — | — | — | — | — | — | — | — |
| Depreciation & amortization | $5.1M | $5.1M | $4.1M | $2.5M | $1.7M | $1.6M | $1.4M | $1.3M |
| Share-based compensation | $2.8M | $1.4M | $1.6M | $920.0K | $948.0K | $870.0K | $928.0K | $979.0K |
| Deferred income taxes | — | — | — | — | — | — | — | — |
| Share repurchases | $55.0K | $3.8M | $16.4M | $25.0K | $1.9M | $51.2M | $25.0M | $25.8M |
| Debt issued | — | — | — | — | — | — | — | — |
| Debt repaid | $1.60B | $736.7M | $1.61B | $487.8M | $324.1M | $310.7M | $84.7M | $70.3M |
Income statement
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Revenue | $1.97B | $1.31B | $1.16B | $1.05B | $748.1M |
| Net income | $122.2M | $111.3M | $102.8M | $135.6M | $177.9M |
| EPS (diluted) | $5.96 | $4.77 | $4.24 | $5.83 | $7.56 |
| EPS (basic) | $7.40 | $5.92 | $5.35 | $7.55 | $10.32 |
| Net margin | $6 | $8 | $9 | $13 | $24 |
Balance sheet
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Total assets | $7.62B | $3.27B | $2.71B | $2.39B | $1.94B |
| Total liabilities | $6.98B | $2.69B | $2.17B | $1.92B | $1.52B |
| Stockholders' equity | $608.7M | $492.9M | $394.7M | $326.4M | $288.0M |
| Cash & equivalents | $621.1M | $375.4M | $339.3M | — | — |
| Property, plant & equipment | $12.6M | $10.5M | $11.4M | $10.0M | $7.3M |
| Intangible assets | $30.3M | $0 | — | — | — |
| Common stock & paid-in capital | $0 | $0 | $0 | $0 | $0 |
| Retained earnings | $506.4M | $394.6M | $307.3M | $204.4M | $60.2M |
| Accumulated other comprehensive income (loss) | — | — | — | — | — |
Cash flow
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Operating cash flow | $638.0M | $469.4M | $459.3M | $347.6M | $212.4M |
| Investing cash flow | -$1.51B | -$747.0M | -$672.2M | -$682.3M | -$475.0M |
| Financing cash flow | $1.14B | $393.6M | $163.3M | $261.3M | $510.3M |
| Capital expenditures | — | — | — | — | — |
| Depreciation & amortization | $9.9M | $5.2M | $4.0M | $4.8M | $2.5M |
| Share-based compensation | $4.3M | $3.9M | $3.8M | $4.2M | $3.2M |
| Deferred income taxes | — | — | $37.8M | $21.0M | — |
| Share repurchases | $69.6M | $52.7M | $17.7M | $89.0M | $25.2M |
| Debt issued | — | — | — | — | — |
| Debt repaid | $2.73B | $566.2M | $753.9M | $309.8M | $586.5M |
Source: SEC EDGAR XBRL filings (10-Q/10-K), as originally tagged by the company. Quarterly cash flow is reconstructed by de-cumulating fiscal-year-to-date figures (how cash flow is tagged in 10-Qs); other quarterly lines are reported directly.
Institutional holders
SEC Form 13F filers holding ATLC as of the latest reported quarter. 13F only covers investment managers with $100M+ in assets — this is not a complete ownership picture, and does not include insiders (see Recent SEC filings below) or non-13F-eligible holders.
Source: Business Quant SEC Form 13F · report period 2026-06-30 · 30 filers
| Filer | Shares | Value | % Out | Qtr Change | Filed |
|---|---|---|---|---|---|
| WELLINGTON MANAGEMENT GROUP LLP | 522,642 | $53.4M | 3.45% | -30.8% | 2026-08-14 |
| DIMENSIONAL FUND ADVISORS LP | 454,394 | $46.5M | 3.00% | -13.0% | 2026-08-11 |
| BlackRock, Inc. | 425,768 | $43.5M | 2.81% | -1.0% | 2026-08-07 |
| VANGUARD CAPITAL MANAGEMENT LLC | 235,886 | $24.1M | 1.55% | +0.3% | 2026-06-30 |
| AMERICAN CENTURY COMPANIES INC | 221,049 | $22.6M | 1.46% | +19.4% | 2026-08-12 |
| GEODE CAPITAL MANAGEMENT, LLC | 143,886 | $14.7M | 0.95% | +0.6% | 2026-08-12 |
| HB Wealth Management, LLC | 118,939 | $12.2M | 0.78% | +0.1% | 2026-07-29 |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | 117,995 | $12.1M | 0.78% | +306.1% | 2026-08-13 |
| State Street Corp | 117,936 | $12.1M | 0.78% | +1.8% | 2026-08-07 |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | 99,601 | $10.2M | 0.66% | -18.0% | 2026-08-14 |
| RENAISSANCE TECHNOLOGIES LLC | 92,158 | $9.4M | 0.61% | -20.2% | 2026-08-13 |
| Philadelphia Financial Management of San Francisco, LLC | 89,597 | $9.2M | 0.59% | +0.0% | 2026-08-14 |
| Empowered Funds, LLC | 71,255 | $7.3M | 0.47% | +2.8% | 2026-08-14 |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | 66,273 | $6.8M | 0.44% | +4.1% | 2026-08-14 |
| Northern Trust Corp | 60,622 | $6.2M | 0.40% | +1.8% | 2026-08-12 |
| Janney Montgomery Scott LLC | 52,467 | $5.4K | 0.35% | +1.6% | 2026-08-05 |
| Goldman Sachs Group Inc | 50,422 | $5.2M | 0.33% | +93.7% | 2026-08-14 |
| VANGUARD PORTFOLIO MANAGEMENT LLC | 43,695 | $4.5M | 0.29% | +7.1% | 2026-06-30 |
| VANGUARD FIDUCIARY TRUST CO | 39,387 | $4.0M | 0.26% | +11.1% | 2026-06-30 |
| JANE STREET GROUP, LLC | 37,316 | $3.8M | 0.25% | +0.0% | 2026-08-14 |
| Allspring Global Investments Holdings, LLC | 35,649 | $3.7M | 0.23% | +309.7% | 2026-08-13 |
| Jpmorgan Chase & Co | 35,599 | $3.7M | 0.23% | -34.2% | 2026-08-12 |
| SG Capital Management LLC | 34,553 | $3.5M | 0.23% | +0.0% | 2026-08-07 |
| CITADEL ADVISORS LLC | 34,514 | $3.5M | 0.23% | +12.1% | 2026-08-14 |
| VICTORY CAPITAL MANAGEMENT INC | 28,535 | $2.9M | 0.19% | +2.0% | 2026-08-07 |
Insider activity
Directors, officers, and 10%+ owners' reported transactions from SEC Form 4. A filing reports a transaction; it does not by itself explain why it happened.
Source: SEC EDGAR Form 4 filings · checked 25 most recent filings · covers 2026-01-02 to 2026-08-14
Recent transactions
- Insiders have net sold 100,000 shares over the last 182 days, across 0 purchases and 11 sales.
- Most recent: Saunders Mitchell (Chief Accounting Officer) — Gift of 1,500 shares on 2026-08-14.
Deterministic template sentences filled in from the SEC Form 4 figures in the tables below -- not an AI-written summary, no live model call.
Insider purchases & sales, last 6 months
Counts only open-market purchases (code P) and sales (code S) — grants, option exercises, tax withholding, and gifts are excluded since they aren't a market buy/sell decision.
Insider roster
| Name | Title | Most Recent Transaction | Date | Shares |
|---|---|---|---|---|
| Saunders Mitchell | Chief Accounting Officer | Gift | 2026-08-14 | 1,500 |
| HANNA FRANK J III | 10% owner | Open market sale | 2026-07-01 | 15,676 |
| HANNA DAVID G | Executive Chairman | Open market sale | 2026-07-01 | 15,676 |
| McCamey William | Chief Financial Officer | Open market sale | 2026-06-30 | 10,000 |
| Howard Jeffrey A. | President & CEO | Open market sale | 2026-06-30 | 10,000 |
| Paulson Blake | Director | Grant / award | 2026-05-18 | 1,050 |
| Dickerson William Brinkley | Director | Grant / award | 2026-05-18 | 1,050 |
| HUDSON DEAL W | Director | Open market sale | 2026-01-13 | 1,675 |
| MATTINGLY MACK F | Director | Grant / award | 2026-01-02 | 1,050 |
| Jones Joann G | Director | Grant / award | 2026-01-02 | 1,050 |
| JAMES DENNIS H JR | Director | Grant / award | 2026-01-02 | 1,050 |
Recent transactions
| Date | Insider | Title | Transaction | Shares | Price |
|---|---|---|---|---|---|
| 2026-08-14 | Saunders Mitchell | Chief Accounting Officer | Gift | 1,500 | $0.00 |
| 2026-07-01 | HANNA FRANK J III | 10% owner | Open market sale | 15,676 | $104.26 |
| 2026-07-01 | HANNA DAVID G | Executive Chairman | Open market sale | 15,676 | $104.26 |
| 2026-06-30 | McCamey William | Chief Financial Officer | Open market sale | 10,000 | $103.01 |
| 2026-06-30 | Howard Jeffrey A. | President & CEO | Open market sale | 10,000 | $103.01 |
| 2026-06-30 | HANNA FRANK J III | 10% owner | Open market sale | 8,319 | $103.08 |
| 2026-06-30 | HANNA DAVID G | Executive Chairman | Open market sale | 8,319 | $103.08 |
| 2026-06-29 | HANNA FRANK J III | 10% owner | Open market sale | 1,005 | $105.00 |
| 2026-06-29 | HANNA DAVID G | Executive Chairman | Open market sale | 1,005 | $105.00 |
| 2026-06-29 | Saunders Mitchell | Chief Accounting Officer | Open market sale | 10,000 | $102.20 |
| 2026-06-26 | McCamey William | Chief Financial Officer | Open market sale | 10,000 | $109.45 |
| 2026-06-26 | Howard Jeffrey A. | President & CEO | Open market sale | 10,000 | $109.45 |
| 2026-06-12 | HANNA DAVID G | Executive Chairman | Gift | 100,000 | $0.00 |
| 2026-06-12 | HANNA FRANK J III | 10% owner | Gift | 100,000 | $0.00 |
| 2026-05-18 | Paulson Blake | Director | Grant / award | 1,050 | $0.00 |
| 2026-05-18 | Dickerson William Brinkley | Director | Grant / award | 1,050 | $0.00 |
| 2026-03-20 | Saunders Mitchell | Chief Accounting Officer | Tax withholding | 70 | $54.67 |
| 2026-03-20 | Howard Jeffrey A. | President & CEO | Tax withholding | 474 | $54.67 |
| 2026-03-20 | McCamey William | Chief Financial Officer | Tax withholding | 330 | $54.67 |
| 2026-03-19 | Saunders Mitchell | Chief Accounting Officer | Grant / award | 929 | $0.00 |
| 2026-03-19 | Saunders Mitchell | Chief Accounting Officer | Grant / award | 3,715 | $0.00 |
| 2026-03-19 | Howard Jeffrey A. | President & CEO | Grant / award | 74,294 | $0.00 |
| 2026-03-19 | McCamey William | Chief Financial Officer | Grant / award | 18,574 | $0.00 |
| 2026-03-13 | Saunders Mitchell | Chief Accounting Officer | Tax withholding | 152 | $47.96 |
| 2026-03-13 | Howard Jeffrey A. | President & CEO | Tax withholding | 2,885 | $47.96 |
| 2026-03-13 | McCamey William | Chief Financial Officer | Tax withholding | 2,018 | $47.96 |
| 2026-03-08 | McCamey William | Chief Financial Officer | Tax withholding | 1,153 | $54.81 |
| 2026-03-08 | Howard Jeffrey A. | President & CEO | Tax withholding | 1,619 | $54.81 |
| 2026-03-08 | Saunders Mitchell | Chief Accounting Officer | Tax withholding | 124 | $54.81 |
| 2026-01-13 | HUDSON DEAL W | Director | Open market sale | 1,675 | $59.72 |
| 2026-01-02 | MATTINGLY MACK F | Director | Grant / award | 1,050 | $0.00 |
| 2026-01-02 | Jones Joann G | Director | Grant / award | 1,050 | $0.00 |
| 2026-01-02 | JAMES DENNIS H JR | Director | Grant / award | 1,050 | $0.00 |
Recent SEC filings
Official company reports and insider transaction filings. Form 4 reports a transaction; it does not by itself explain why it happened.
Source: SEC EDGAR submissions · updated 2026-10-22 06:45 UTC
| Filed | Form | Report period | Official filing |
|---|---|---|---|
| 2026-10-06 | 8-K | 2026-10-06 | View on SEC.gov → |
| 2026-09-17 | 8-K | 2026-09-17 | View on SEC.gov → |
| 2026-08-17 | 4 | 2026-08-14 | View on SEC.gov → |
| 2026-08-06 | 10-Q | 2026-06-30 | View on SEC.gov → |
| 2026-07-08 | 4 | 2026-05-18 | View on SEC.gov → |
| 2026-07-07 | 4 | 2026-05-18 | View on SEC.gov → |
| 2026-07-02 | 4 | 2026-06-30 | View on SEC.gov → |
| 2026-07-02 | 4 | 2026-06-30 | View on SEC.gov → |
| 2026-07-01 | 4 | 2026-06-29 | View on SEC.gov → |
| 2026-07-01 | 4 | 2026-06-29 | View on SEC.gov → |
| 2026-07-01 | 4 | 2026-06-29 | View on SEC.gov → |
| 2026-06-26 | 4 | 2026-06-26 | View on SEC.gov → |
Recent news
Headlines about ATLC (Atlanticus Holdings Corporation). Links open the publisher — we don’t host full articles.
-
Atlanticus Holdings Corporation (NASDAQ:ATLC) Stock Has Average Target Price of $129.00 According to Brokerages
MarketBeat · 2026-10-22 -
BABA,AMAT,FIVE,ATLC,PBF,PRM,SHPH,PSNY,NVCT | Stock Prices | Quote Comparison
Yahoo! Finance Canada · 2026-10-21 -
(ATLC) Movement Within Algorithmic Entry Frameworks
Stock Traders Daily · 2026-10-20 -
Atlanticus Holdings (ATLC) Revenue Stays Strong, Is The Stock Still Undervalued?
Simply Wall Street · 2026-10-18 -
Atlanticus Holdings Corporation (ATLC) stock price, news, quote and history
Yahoo Finance UK · 2026-10-17 -
Atlanticus Holdings Corporation (ATLC) Stock Price, News, Quote & History
Yahoo! Finance Canada · 2026-10-17 -
ATLCP Holds Steady at $22.89 as Atlanticus Holdings Preferred Stock Consolidates - BPI Bull Confirmed
https://www.siam.in/ · 2026-10-16 -
1 Profitable Stock to Target This Week and 2 We Turn Down
Yahoo · 2026-10-16
No headlines in this category right now — try “All”.