Atlanticus Holdings Corp ATLC

Latest FY: 2025 Financial Services Credit Services
Market Price $92.95
Market Cap $1.41B
P/E Ratio 15.60
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↑50.3% YoY
$1.97B
3-Yr CAGR: 23.4%
Net Income ↑9.8% YoY
$122.20M
Net Margin: 6.2%
Free Cash Flow ↑35.4% YoY
$632.94M
FCF Yield: 45.04%
EPS (Diluted) ↑24.9% YoY
$5.96
Basic: $7.40
Return on Equity Efficiency
20.1%
ROA: 1.6%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (ATLC)

All monetary values in millions ($M)
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Div / Sh Div Yield Op. Cash Flow Free Cash Flow FCF YoY
FY 2016 $76.1M $45.5M $-6.3M $-0.46 0.00% $39.0M $38.7M
FY 2017 $93.4M +22.7% $61.9M $-40.8M -543.7% $-2.93 -537.0% 0.00% $-25.5M $-25.9M -166.9%
FY 2018 $161.2M +72.5% $124.0M $7.9M +119.3% $0.56 +119.1% 0.00% $42.9M $41.5M +260.4%
FY 2019 $322.1M +99.8% $271.3M $26.4M +236.6% $1.66 +196.4% 0.00% $100.0M $99.7M +140.4%
FY 2020 $563.4M +74.9% $500.4M $94.1M +255.9% $3.95 +138.0% 0.00% $212.7M $212.0M +112.6%
FY 2021 $748.1M +32.8% $672.7M $177.9M +89.0% $7.56 +91.4% 0.00% $212.4M $205.3M -3.2%
FY 2022 $1,046.9M +40.0% $951.5M $135.6M -23.8% $5.83 -22.9% 0.00% $346.1M $341.3M +66.3%
FY 2023 $1,155.9M +10.4% $1,046.5M $102.8M -24.2% $4.24 -27.3% 0.00% $459.3M $455.3M +33.4%
FY 2024 $1,310.0M +13.3% $1,149.8M $111.3M +8.2% $4.77 +12.5% 0.00% $469.4M $467.6M +2.7%
FY 2025 $1,968.4M +50.3% $1,666.5M $122.2M +9.8% $5.96 +24.9% 0.00% $638.0M $632.9M +35.4%
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Valuation

Market Price $92.95
Market Cap $1.41B
Enterprise Value $784.13M
P/E Ratio 15.60
P/B Ratio 2.31
FCF Yield 45.04%
Dividend Yield N/A
Shares Outstanding 15,118,000
%

Profitability & Margins

Gross Margin 84.66%
Operating Margin 8.11%
Net Margin 6.21%
Return on Equity (ROE) 20.08%
Return on Assets (ROA) 1.60%
Asset Turnover 0.26x
Revenue 3-Yr CAGR 23.42%
🛡️

Financial Health & Liquidity

Current Ratio N/A
Cash Ratio N/A
Debt / Equity 0.000
Debt / Assets 0.000
Cash & Equivalents $621.09M
Total Debt N/A
Book Value / Share $40.26
💧

Cash Flow Efficiency

Operating Cash Flow $637.96M
Capital Expenditures (CapEx) $5.02M
Free Cash Flow $632.94M
OCF / Revenue 32.41%
FCF / Revenue 32.16%
FCF 3-Yr CAGR 22.86%
🏷️

Per Share Metrics

EPS (Diluted) $5.96
EPS (Basic) $7.40
Dividends / Share N/A
Book Value / Share $40.26
EPS YoY Growth 24.95%
🏛️

Balance Sheet (FY 2025)

Total Assets $7.62B
Total Liabilities $6.98B
Stockholders' Equity $608.70M
Current Assets N/A
Current Liabilities N/A