Atlanticus Holdings Corp. (ATLC)
Nasdaq · Personal Credit Institutions · Finance, insurance and real estate · CIK 1464343 · fiscal year ends in Dec
Closing price $98.08 on 29 Oct 2026; 52-week range $47.96 to $111.79.
Key figures
The last twelve months reported, with the latest price and balance sheet.
- Revenue, last twelve months
- $729.9M
- Revenue growth
- 59.2%
- Net income, last twelve months
- $154.0M
- Earnings per share
- $7.69
- Gross margin
- 73.0%
- Net margin
- 21.1%
- Return on equity
- 21.9%
- Market value
- $1.5B
- Price to earnings
- 12.8x
- Cash
- $555.2M
- Debt
- $5.6B
- Debt to equity
- 7.95
- Shares outstanding
- 15.2M
Financial statements
Revenue, profit and cash flow by fiscal year, each year linked to its annual report.
| Fiscal year | Year end | Revenue | Operating income | Net income | EPS | Free cash flow | Filing |
|---|---|---|---|---|---|---|---|
| FY2025 | 31 Dec 2025 | $557.2M | – | $122.2M | $5.96 | – | 10-K filed 12 Mar 2026 |
| FY2024 | 31 Dec 2024 | $401.4M | – | $111.3M | $4.77 | – | 10-K filed 13 Mar 2025 |
| FY2023 | 31 Dec 2023 | $354.8M | – | $102.8M | $4.24 | – | 10-K filed 4 Mar 2024 |
| FY2022 | 31 Dec 2022 | $386.7M | – | $135.6M | $5.83 | – | 10-K filed 15 Mar 2023 |
| FY2021 | 31 Dec 2021 | $438.7M | – | $177.9M | $7.56 | – | 10-K filed 15 Mar 2022 |
By quarter
| Quarter | Quarter end | Revenue | Net income | EPS |
|---|---|---|---|---|
| Q2 FY2026 | 30 Jun 2026 | $223.6M | $49.7M | $2.50 |
| Q1 FY2026 | 31 Mar 2026 | $189.7M | $44.2M | $2.23 |
| Q4 FY2025 | 31 Dec 2025 | $175.9M | $35.1M | $1.75 |
| Q3 FY2025 | 30 Sep 2025 | $140.8M | $25.0M | $1.21 |
| Q2 FY2025 | 30 Jun 2025 | $122.3M | $30.6M | $1.51 |
| Q1 FY2025 | 31 Mar 2025 | $118.2M | $31.5M | $1.49 |
| Q4 FY2024 | 31 Dec 2024 | $117.5M | $31.3M | $1.42 |
| Q3 FY2024 | 30 Sep 2024 | $100.4M | $29.5M | $1.27 |
Revenue by segment
As the company reports it in the segment note of its annual report.
By business, FY2025
| Segment | Revenue | Share |
|---|---|---|
| Credit and Other Investments | $523.7M | 94.0% |
| Auto Finance | $33.5M | 6.0% |
Company events
The newest 8-K filings of 81 held.
| Filed | Form | Event | Items |
|---|---|---|---|
| 6 Oct 2026 | 8-K | Other events | 8.01 |
| 17 Sep 2026 | 8-K | Other events | 8.01, 9.01 |
| 13 May 2026 | 8-K | Shareholder vote | 5.07 |
| 17 Sep 2025 | 8-K | Material agreement, Investor update | 1.01, 7.01, 9.01 |
| 20 Aug 2025 | 8-K | Material agreement, New debt | 1.01, 2.03, 9.01 |
| 13 May 2025 | 8-K | Shareholder vote | 5.07 |
| 26 Aug 2024 | 8-K | Material agreement, New debt | 1.01, 2.03, 9.01 |
| 29 Jul 2024 | 8-K | Material agreement, New debt, Other events | 1.01, 2.03, 8.01, 9.01 |
| 23 Jul 2024 | 8-K | Results, Investor update, Other events | 2.02, 7.01, 8.01, 9.01 |
| 13 May 2024 | 8-K | Shareholder vote | 5.07 |
| 5 Apr 2024 | 8-K | Auditor change | 4.01, 9.01 |
| 14 Feb 2024 | 8-K | Other events | 8.01, 9.01 |
Every filing
The newest filings with the SEC of 296 held.
| Filed | Form | Period |
|---|---|---|
| 6 Oct 2026 | 8-K | 6 Oct 2026 |
| 17 Sep 2026 | 8-K | 17 Sep 2026 |
| 6 Aug 2026 | 10-Q | 30 Jun 2026 |
| 13 May 2026 | 8-K | 7 May 2026 |
| 7 May 2026 | 10-Q | 31 Mar 2026 |
| 10 Apr 2026 | ARS | 31 Dec 2025 |
| 10 Apr 2026 | DEF 14A | 7 May 2026 |
| 12 Mar 2026 | 10-K | 31 Dec 2025 |
| 28 Nov 2025 | 8-K/A | 11 Sep 2025 |
| 10 Nov 2025 | 10-Q | 30 Sep 2025 |
| 17 Sep 2025 | 8-K | 11 Sep 2025 |
| 20 Aug 2025 | 8-K | 20 Aug 2025 |
Insider trades
Form 4 trades by officers, directors and 10% owners, last 12 months.
| Traded | Insider | Type | Shares | Price | Value | Held after | Form 4 |
|---|---|---|---|---|---|---|---|
| 30 Jun 2026 | Mccamey William, Chief Financial Officer | Sale outside a trading plan | 10,000 | $103.01 | $1.0M | 127,410 | 2 Jul 2026 |
| 30 Jun 2026 | Howard Jeffrey A., President & CEO | Sale outside a trading plan | 10,000 | $103.01 | $1.0M | 663,265 | 2 Jul 2026 |
| 1 Jul 2026 | Hanna Frank J Iii, 10% owner | Sale outside a trading plan | 15,676 | $104.26 | $1.6M | 3,773,072 | 1 Jul 2026 |
| 1 Jul 2026 | Hanna David G, Executive Chairman | Sale outside a trading plan | 15,676 | $104.26 | $1.6M | 259,392 | 1 Jul 2026 |
| 30 Jun 2026 | Hanna Frank J Iii, 10% owner | Sale outside a trading plan | 8,319 | $103.08 | $857.5K | 3,788,748 | 1 Jul 2026 |
| 30 Jun 2026 | Hanna David G, Executive Chairman | Sale outside a trading plan | 8,319 | $103.08 | $857.5K | 275,068 | 1 Jul 2026 |
| 29 Jun 2026 | Hanna Frank J Iii, 10% owner | Sale outside a trading plan | 1,005 | $105.00 | $105.5K | 3,797,067 | 1 Jul 2026 |
| 29 Jun 2026 | Hanna David G, Executive Chairman | Sale outside a trading plan | 1,005 | $105.00 | $105.5K | 283,387 | 1 Jul 2026 |
| 29 Jun 2026 | Saunders Mitchell, Chief Accounting Officer | Sale outside a trading plan | 10,000 | $102.20 | $1.0M | 46,273 | 1 Jul 2026 |
| 26 Jun 2026 | Mccamey William, Chief Financial Officer | Sale outside a trading plan | 10,000 | $109.45 | $1.1M | 137,410 | 26 Jun 2026 |
| 26 Jun 2026 | Howard Jeffrey A., President & CEO | Sale outside a trading plan | 10,000 | $109.45 | $1.1M | 673,265 | 26 Jun 2026 |
| 13 Jan 2026 | Hudson Deal W, Director | Sale outside a trading plan | 1,675 | $59.72 | $100.0K | 60,467 | 14 Jan 2026 |
Planned insider sales
Form 144 notices, filed when the sell order goes to the broker.
| Filed | Seller | Shares | Value | Planned sale |
|---|---|---|---|---|
| 1 Jul 2026 | HANNA DAVID G, Director | 15,676 | $1.6M | 1 Jul 2026 |
| 1 Jul 2026 | HANNA FRANK J III, 10% Stockholder | 15,676 | $1.6M | 1 Jul 2026 |
| 30 Jun 2026 | HANNA FRANK J III, 10% Stockholder | 8,319 | $857.5K | 30 Jun 2026 |
| 30 Jun 2026 | HANNA DAVID G, Director | 8,319 | $857.5K | 30 Jun 2026 |
| 30 Jun 2026 | Jeffrey Howard, Officer | 10,000 | $1.0M | 30 Jun 2026 |
| 30 Jun 2026 | William McCamey, Officer | 10,000 | $1.0M | 30 Jun 2026 |
| 29 Jun 2026 | HANNA DAVID G, Director | 1,005 | $105.5K | 29 Jun 2026 |
| 29 Jun 2026 | HANNA FRANK J III, 10% Stockholder | 1,005 | $105.5K | 29 Jun 2026 |
| 29 Jun 2026 | Mitchell Saunders, Officer | 10,000 | $1.0M | 29 Jun 2026 |
| 26 Jun 2026 | Jeffrey Howard, Officer | 10,000 | $1.1M | 26 Jun 2026 |
Large holders
Schedule 13D and 13G filings by holders of more than 5% of the voting shares.
| Filed | Holder | Schedule | Stake | Shares |
|---|---|---|---|---|
| 13 Aug 2026 | Wellington Management Group LLP | 13G amended | 3.5% | 522.6K |
| 6 Jul 2026 | HANNA DAVID G | 13D amended | 42.1% | 8.0M |
| 15 May 2026 | Wellington Management Group LLP | 13G | 5.1% | 755.0K |
Short interest
Shares sold short and not yet bought back, on each FINRA settlement date.
| Settlement | Shares short | Change | Days to cover |
|---|---|---|---|
| 15 Oct 2026 | 574.5K | +13.83% | 4.59 |
| 30 Sep 2026 | 504.7K | -10.36% | 4.58 |
| 15 Sep 2026 | 563.0K | +4.73% | 4.46 |
| 31 Aug 2026 | 537.6K | +15.32% | 4.52 |
| 14 Aug 2026 | 466.2K | -5.91% | 2.73 |
| 31 Jul 2026 | 495.5K | +10.43% | 2.88 |
| 15 Jul 2026 | 448.7K | +22.72% | 2.58 |
| 30 Jun 2026 | 365.6K | -7.95% | 1.61 |
Funds that hold it
From each fund's latest Form 13F.
155 funds held it at 30 Jun 2026: 91 added and 36 trimmed in the quarter. The largest:
| Fund | Shares | Value | Change in the quarter |
|---|---|---|---|
| Wellington Management Group LLP | 522,642 | $53.4M | -232,316 |
| Dimensional Fund Advisors LP | 454,394 | $46.5M | -68,151 |
| BlackRock, Inc. | 425,768 | $43.5M | -4,399 |
| Vanguard Capital Management LLC | 235,886 | $24.1M | +605 |
| American Century Companies Inc. | 221,049 | $22.6M | +35,958 |
| Geode Capital Management, LLC | 143,886 | $14.7M | +791 |
| HB Wealth Management, LLC | 118,939 | $12.2M | +151 |
| Arrowstreet Capital, Limited Partnership | 117,995 | $12.1M | +88,942 |
| State Street Corp. | 117,936 | $12.1M | +2,057 |
| Bridgeway Capital Management, LLC | 99,601 | $10.2M | -21,802 |
Peers
Companies in the same industry.
- Affirm Holdings, Inc. (AFRM): revenue $4.3B, market value $26.2B
- OneMain Holdings, Inc. (OMF): revenue $5.1B, market value $6.8B
- Credit Acceptance Corp. (CACC): revenue $2.3B, market value $5.9B
- Enova International, Inc. (ENVA): revenue $3.7B, market value $4.5B
- Bread Financial Holdings, Inc. (BFH): revenue $4.0B, market value $4.0B
- SLM Corp. (SLM): revenue $1.8B, market value $3.3B
- Happen, Inc. (HAPN): revenue $1.0B, market value $1.8B
- World Acceptance Corp. (WRLD): revenue $591.6M, market value $821.0M