ATLC Stock - Atlanticus Holdings Corporation
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Financial Statements
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $459.57M | $365.68M | $374.42M | $453.93M | $391.81M |
| Gross Profit | $283.03M | $254.19M | $291.31M | $363.34M | $197.55M |
| Gross Margin | 61.6% | 69.5% | 77.8% | 80.0% | 50.4% |
| Operating Income | $138.58M | $128.56M | $149.27M | $219.57M | $114.39M |
| Net Income | $111.30M | $102.84M | $135.60M | $177.90M | $94.12M |
| Net Margin | 24.2% | 28.1% | 36.2% | 39.2% | 24.0% |
| EPS | $5.93 | $5.35 | $7.55 | $10.32 | $5.32 |
Atlanticus Holdings Corporation provides credit and related financial services and products to customers the United States. It operates in two segments, Credit as a Service, and Auto Finance. The Credit as a Service segment originates a range of consumer loan products, such as private label and general purpose credit cards originated by lenders through various channels, including retail and healthcare, direct mail solicitation, digital marketing, and partnerships with third parties; and offers credit to their customers for the purchase of various goods and services, including consumer electronics, furniture, elective medical procedures, healthcare, educational services, and home-improvements by partnering with retailers and service providers. In addition, it offers loan servicing, such as risk management and customer service outsourcing for third parties; and engages in testing and investment activities in consumer finance technology platforms. 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, pay-here, and used car business. This segment also provides floor plan financing and installment lending products. Further, the company invests in and services portfolios of credit card receivables. Atlanticus Holdings Corporation was founded in 1996 and is headquartered in Atlanta, Georgia.
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Price Targets
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| January 7th 2026 | B. Riley Securities | Resumed | Buy | $90 |
| November 13th 2024 | Stephens | Initiation | Overweight | $54 |
| June 7th 2024 | BTIG Research | Initiation | Buy | $45 |
| May 22nd 2024 | Keefe Bruyette | Initiation | Market Perform | $33 |
| June 16th 2023 | Jefferies | Initiation | Buy | $50 |
| October 7th 2022 | B. Riley Securities | Resumed | Buy | $50 |
Earnings History & Surprises
ATLCEPS Surprise History
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | May 6, 2026 | — | — | — | — |
Q1 2026 | Mar 12, 2026 | $1.72 | — | — | — |
Q4 2025 | Nov 10, 2025 | $1.34 | $1.48 | +10.4% | ✓ BEAT |
Q3 2025 | Aug 7, 2025 | $1.30 | $1.51 | +16.2% | ✓ BEAT |
Q2 2025 | May 8, 2025 | $1.33 | $1.49 | +12.0% | ✓ BEAT |
Q1 2025 | Mar 13, 2025 | $1.21 | $1.42 | +17.4% | ✓ BEAT |
Q4 2024 | Nov 7, 2024 | $1.23 | $1.27 | +3.3% | ✓ BEAT |
Q3 2024 | Aug 8, 2024 | $0.91 | $0.99 | +8.8% | ✓ BEAT |
Q2 2024 | May 10, 2024 | $1.01 | $1.09 | +7.9% | ✓ BEAT |
Q1 2024 | Mar 4, 2024 | $0.96 | $1.06 | +10.4% | ✓ BEAT |
Q4 2023 | Nov 8, 2023 | $1.01 | $1.03 | +2.0% | ✓ BEAT |
Q3 2023 | Aug 8, 2023 | $0.82 | $1.02 | +24.4% | ✓ BEAT |
Q4 2022 | Nov 8, 2022 | $1.32 | $1.41 | +6.8% | ✓ BEAT |
Q3 2022 | Aug 9, 2022 | $1.45 | $1.46 | +0.7% | ✓ BEAT |
Q2 2022 | May 10, 2022 | $2.19 | $1.96 | -10.5% | ✗ MISS |
Q1 2022 | Mar 15, 2022 | $2.10 | $2.13 | +1.4% | ✓ BEAT |
Q4 2021 | Nov 12, 2021 | $1.50 | $2.57 | +71.3% | ✓ BEAT |
Q3 2021 | Aug 13, 2021 | $1.42 | $1.56 | +9.9% | ✓ BEAT |
Q2 2021 | May 17, 2021 | — | $1.91 | — | — |
Q1 2021 | Mar 31, 2021 | — | $1.10 | — | — |
Latest News
Citizens Maintains Market Outperform on Atlanticus Holdings, Raises Price Target to $100
📈 PositiveAtlanticus Holdings Q3 Adj. EPS $1.48 Misses $1.52 Estimate, Sales $494.676M Beat $483.905M Estimate
➖ NeutralBTIG Reiterates Buy on Atlanticus Holdings, Maintains $105 Price Target
📈 PositivePROG announces sale of credit card receivables portfolio to Atlanticus for ~$150M
📈 PositiveJMP Securities Maintains Market Outperform on Atlanticus Holdings, Raises Price Target to $95
📈 PositiveB. Riley Securities Maintains Buy on Atlanticus Holdings, Raises Price Target to $90
📈 PositiveBTIG Maintains Buy on Atlanticus Holdings, Raises Price Target to $105
📈 PositiveAtlanticus Holdings shares are trading higher after the company announced it acquired Mercury Financial.
📈 PositiveJMP Securities Reiterates Market Outperform on Atlanticus Holdings, Maintains $78 Price Target
📈 PositiveAtlanticus Acquires Mercury Financial LLC; Consideration For The Transaction Includes A Cash Purchase Price Of ~$162M
📈 PositiveFrequently Asked Questions about ATLC
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