Touchstone
Last syncNov 1, 2026, 6:55 PM ET

ATLC

Atlanticus Holdings Corp Financials Personal Credit Institutions Russell 3000
$93.46Close $1.4BMarket cap $47.96 – $111.7952-week range Nov 9, 2026Next report

Highlights

Strengths

  • In a stage-2 uptrend all 8 trend conditions pass
  • Leading the market RS 84 · stronger than 84% of stocks over 12 months
  • Earnings growing EPS +63% year on year, faster than the quarter before (+21 pts)

Cautions

  • Results soon Nov 9, 2026, in 8 days

Price

Filing Results Screen pick 52-week high and low Adjusted prices

Key figures

FY to Dec 31, 2025 · filed Aug 6, 2026
Off 12-month high 16%
1wk up 8.4% price change
1mo up 6.8% price change
12-month return up 72% market up 11% · its own up 55%
F-score — — Not assessed
Altman Z — Unknown
P/E 11.6× price / earnings
PEG 1.56 P/E / EPS growth
P/B 2.3× price / book
Earnings yield — EBIT / enterprise value
Cheaper than — of the market · not assessed
Revenue growth up 50% year on year
EPS growth up 63% latest quarter · +21 pts
Sales growth up 89% latest quarter · -8 pts
ROE up 22% return on equity
Free cash margin —
D/E 9.56 long-term debt / equity
Net debt / EBITDA —
Interest cover —EBIT / interest

Trade setup

ATR% 4.2% $3.91 a day · 2×ATR $85.65
RS 84 / 99 vs the universe
Trend 8 / 8 trend template
Relative volume 0.9× vs 50-day average
Up/down volume 1.43 50 sessions
Implied move — no option chain · report Nov 9, 2026
Trend template · 8 of 8

Screen verdict

Did not qualify for any screen.

Warning signs

none flagged
  • No restatement or impairment
  • Equity positive
  • No material dilution
  • Margins and revenue not shrinking
Last reported Jul 23, 2024
Last shock Aug 7, 2026-11% in one session2.0× volumeno filing matched-7% since

Financials

6 fiscal years · from filings
Revenue What customers paid the company over its fiscal year, before any cost, as filed in its annual report. The change is against the year before. Methodology $2.0B +50% on FY2024
$0 $2B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $563.4M FY2021 · $748.1M FY2022 · $1.0B FY2023 · $1.2B FY2024 · $1.3B FY2025 · $2.0B
Net income Profit left after every cost, interest and tax for the year. A column below the line is a loss. Methodology $120.6M +10% on FY2024
$0 $200M FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $94.1M FY2021 · $177.8M FY2022 · $134.6M FY2023 · $102.0M FY2024 · $110.1M FY2025 · $120.6M
Margins Each as a share of revenue. Gross: left after the direct cost of what was sold. Net: left after every cost. Free cash: free cash flow over revenue. A margin rising over years means the business keeps more of each dollar it sells. Methodology
  • Gross 92%
  • Net 6%
0% 100% FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Gross 89% · Net 17% FY2021 · Gross 90% · Net 24% FY2022 · Gross 91% · Net 13% FY2023 · Gross 91% · Net 9% FY2024 · Gross 91% · Net 8% FY2025 · Gross 92% · Net 6%
Cash and long-term debt Cash on the balance sheet at the year's end beside debt due after a year. Net cash is cash less that debt; net debt is the shortfall. Debt some filers do not tag shows as a gap, not as zero. Methodology
  • Cash
  • Long-term debt
$0 $10B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Long-term debt $882.6M FY2021 · Long-term debt $1.3B FY2022 · Long-term debt $1.7B FY2023 · Cash $339.3M · Long-term debt $1.9B FY2024 · Cash $375.4M · Long-term debt $1.2B FY2025 · Cash $621.1M · Long-term debt $5.8B
Shares outstanding Shares in issue at the year's end. A rising count means each share owns a smaller slice of the company (stock pay, share sales); a falling one, buybacks. The chart's scale is fitted to the count, so a small change looks large: read the percentage. Methodology 14.92m -7.4% since FY2020
16.12m 14.45m FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · 16.12m FY2021 · 14.80m FY2022 · 14.45m FY2023 · 14.60m FY2024 · 14.90m FY2025 · 14.92m
  FY2020Dec 31, 2020 FY2021Dec 31, 2021 FY2022Dec 31, 2022 FY2023Dec 31, 2023 FY2024Dec 31, 2024 FY2025Dec 31, 2025
Revenue $563.4M $748.1M $1.0B $1.2B $1.3B $2.0B
Gross margin 89% 90% 91% 91% 91% 92%
Net income $94.1M $177.8M $134.6M $102.0M $110.1M $120.6M
Net margin 17% 24% 13% 9% 8% 6%
Earnings per share $4.68 $8.51 $6.95 $5.40 $5.86 $6.29
Cash — — — $339.3M $375.4M $621.1M
Long-term debt $882.6M $1.3B $1.7B $1.9B $1.2B $5.8B
Shareholders' equity $77.3M $288.0M $326.4M $394.7M $492.9M $608.7M
Shares outstanding 16.12m 14.80m 14.45m 14.60m 14.90m 14.92m

Filings

SEC EDGAR
FiledReportPeriod to Lag
Aug 6, 2026 Quarterly ↗ Jun 30, 2026 37d
May 7, 2026 Quarterly ↗ Mar 31, 2026 37d
Mar 12, 2026 Annual ↗ Dec 31, 2025 71d
Nov 10, 2025 Quarterly ↗ Sep 30, 2025 41d
Aug 7, 2025 Quarterly ↗ Jun 30, 2025 38d
May 8, 2025 Quarterly ↗ Mar 31, 2025 38d
Mar 13, 2025 Annual ↗ Dec 31, 2024 72d
Nov 7, 2024 Quarterly ↗ Sep 30, 2024 38d
Aug 8, 2024 Quarterly ↗ Jun 30, 2024 39d
May 10, 2024 Quarterly ↗ Mar 31, 2024 40d
Mar 4, 2024 Annual ↗ Dec 31, 2023 64d
Nov 9, 2023 Quarterly ↗ Sep 30, 2023 40d

Current reports

FiledDisclosed
Oct 6, 2026 Other events ↗
Sep 17, 2026 Other events ↗
May 13, 2026 Shareholder vote ↗
Sep 17, 2025 Material agreement · Regulation FD ↗
Aug 20, 2025 Material agreement · New obligation ↗
May 13, 2025 Shareholder vote ↗
Aug 26, 2024 Material agreement · New obligation ↗
Jul 29, 2024 Material agreement · New obligation · Other events ↗
Jul 23, 2024 Results · Regulation FD · Other events ↗
May 13, 2024 Shareholder vote ↗
Apr 5, 2024 Auditor change ↗
Feb 14, 2024 Other events ↗