Stocks · Financial Services · Financial - Credit Services
Atlanticus Holdings Corporation ATLC
$92.86 +1.06% Close, Oct 5, 2026 · NASDAQ · Market cap $1.39B
Strong growthStrong trendHigh risk
Next earnings report: Nov 9, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Revenue over the last four quarters was $1.66B, up 212.1% from a year earlier, accelerating from 155.2% a quarter earlier.
- Operating margin narrowed to 17.7% from 29.8% a year earlier.
- Earnings beat analyst estimates in each of the last 14 quarters (average surprise over the last four: +12.9%).
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 6, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 2%
- EPS growth (TTM, YoY)Top 32%
- FCF growth (TTM, YoY)Top 20%
- Revenue growth, 3-year CAGRTop 22%
- Revenue growth accelerationTop 2%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 39%
- Gross marginTop 12%
- Operating marginBottom 41%
- Cash conversion (OCF / net income)Top 5%
- Accruals (lower is better)Top 9%
- Net debt / EBITDA (lower is better)Bottom 5%
- Interest coverBottom 35%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 34%
- Free-cash-flow yieldTop 3%
- EBITDA / enterprise valueBottom 37%
- Sales / enterprise valueBottom 32%
- P/E vs own 5-year history (lower is better)Bottom 7%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 3%
- 6-month returnTop 2%
- 1-year return vs S&P 500Top 3%
- Distance from 52-week highBottom 26%
- Trend checklist (0–4)Top 26%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 21%
- Consecutive EPS beatsTop 2%
- Share of analysts rating BuyTop 8%
- Upside to consensus price targetTop 11%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 13%
- Maximum drawdown, 3 yearsBottom 26%
- Beta vs S&P 500 (lower is better)Bottom 6%
- Net debt / EBITDA (lower is better)Bottom 5%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 155.2% | 212.1% | ↑ |
| EPS growth (YoY) | 29.0% | 34.6% | ↑ |
| Gross margin | 61.8% | 82.9% | ↑ |
| Operating margin | 29.8% | 17.7% | ↓ |
| FCF margin | 92.9% | 56.5% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 212.1% | 155.2% | ↑ | Top 2% |
| EPS growth (TTM, YoY) | 34.6% | 29.0% | ↑ | Top 32% |
| Gross margin | 82.9% | 61.8% | ↑ | Top 12% |
| Operating margin | 17.7% | 29.8% | ↓ | Bottom 41% |
| Net margin | 9.3% | 23.2% | ↓ | — |
| Free-cash-flow margin | 56.5% | 92.9% | ↓ | — |
| Return on invested capital | 3.0% | — | Top 39% | |
| Revenue growth, 3-year CAGR | 23.5% | — | Top 22% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 3.00×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -10.5%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.4%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 18.37×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.7×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- 1.14%
- Shareholder yield
- 1.14%
- Share count change, 1 year
- +0.0%
- Share count change, 3-year CAGR
- +0.4%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 6, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 14
- Beats in the last 8 reports
- 8 of 8
- Average EPS surprise, last 4
- +12.9%
- Average 2-day reaction, last 8
- -1.3%
- Positive 20 days after report
- 6 of 8
Analysts
- Consensus price target
- $136.40
- Target vs current price
- +46.9%
- Analysts with a rating
- 7
- Share rating Buy or Strong Buy
- 86%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 6, 2026 | +3.3% | +0.4% | -12.5% | -15.7% | — |
| May 7, 2026 | +32.0% | +0.7% | -1.9% | +5.7% | +38.9% |
| Mar 12, 2026 | +6.1% | -4.3% | -3.8% | +14.9% | +52.5% |
| Nov 10, 2025 | +10.4% | -5.6% | -1.2% | +8.2% | -4.7% |
| Aug 7, 2025 | +16.2% | -0.6% | +24.7% | +37.8% | +8.8% |
| May 8, 2025 | +12.0% | +3.6% | +6.7% | -8.5% | -9.1% |
| Mar 13, 2025 | +15.4% | -5.6% | +11.2% | +13.7% | +11.5% |
| Nov 7, 2024 | +3.3% | +1.1% | +10.6% | +45.6% | +40.2% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 6, 2026 | $2.50 | $2.42 | +3.3% | $744.3M |
| May 7, 2026 | $2.23 | $1.69 | +32.0% | $679.5M |
| Mar 12, 2026 | $1.75 | $1.65 | +6.1% | $734.4M |
| Nov 10, 2025 | $1.48 | $1.34 | +10.4% | $495.3M |
| Aug 7, 2025 | $1.51 | $1.30 | +16.2% | $393.8M |
| May 8, 2025 | $1.49 | $1.33 | +12.0% | $344.9M |
| Mar 13, 2025 | $1.42 | $1.23 | +15.4% | $353.2M |
| Nov 7, 2024 | $1.27 | $1.23 | +3.3% | $351.0M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 12.1× | 7.3× | 95th | Top 34% |
| P/E (forward) | 9.6× | — | — | — |
| EV / EBITDA | 22.9× | — | — | Bottom 37% |
| EV / Sales | 4.25× | — | — | Bottom 32% |
| Free-cash-flow yield | 67.41% | — | — | Top 3% |
| Earnings yield | 8.25% | — | — | Top 34% |
P/E over the past five years
Range 3.6× – 14.6× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +64.6%
- Earnings per share growth (TTM)
- +34.6%
- Change in P/E multiple
- +67.3%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 125
- 50-day average slope (20 days)
- -3.0%
- 200-day average slope (20 days)
- +4.4%
- Distance from 50-day average
- -3.4%
- Distance from 200-day average
- +19.1%
- RSI (14)
- 51.1
- Relative volume
- 0.79×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 45.3%
- Volatility vs own 5-year history
- 27th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 1.58
- Correlation with S&P 500
- 0.45
- Current drawdown from 1-year high
- -16.9%
- Maximum drawdown, 3 years
- -39.5%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 3, 2021 | Mar 17, 2023 | -74.9% | 343 days | 799 days (May 26, 2026) |
| Aug 31, 2021 | Sep 20, 2021 | -24.6% | 13 days | 20 days (Oct 18, 2021) |
| Aug 6, 2026 | Sep 28, 2026 | -22.1% | 36 days | Not yet recovered |
| Feb 22, 2021 | Mar 29, 2021 | -20.8% | 25 days | 14 days (Apr 19, 2021) |
| Dec 22, 2020 | Jan 4, 2021 | -19.9% | 7 days | 20 days (Feb 2, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $1.39B
- P/E (TTM)
- 12.1
- EPS, diluted (TTM)
- $7.66
- Revenue (TTM)
- $1.66B
- 52-week range
- $47.50 – $114.34
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $453.9M | $374.4M | $365.7M | $459.6M | $704.5M |
| Gross profit | $363.3M | $291.3M | $254.2M | $283.0M | $396.4M |
| Operating income | $219.6M | $149.3M | $128.6M | $138.6M | $159.7M |
| Net income | $177.9M | $135.6M | $102.8M | $111.3M | $122.2M |
| EPS (diluted) | $7.56 | $5.83 | $4.24 | $4.77 | $5.96 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $119.4M | $133.4M | $134.7M | $143.3M | $178.8M | $247.7M | $679.6M | $550.5M |
| Net income | $29.5M | $31.3M | $31.5M | $30.6M | $25.0M | $35.1M | $44.2M | $49.7M |
| EPS (diluted) | $1.27 | $1.42 | $1.49 | $1.51 | $1.18 | $1.75 | $2.23 | $2.50 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $212.4M | $346.1M | $459.3M | $469.4M | $638.0M |
| Capital expenditure | -$7.1M | -$4.9M | -$4.0M | -$1.8M | -$5.0M |
| Free cash flow | $205.3M | $341.3M | $455.3M | $467.6M | $632.9M |
| Dividends paid | $0 | $0 | $0 | $0 | $0 |
| Net share buybacks | -$25.2M | -$89.0M | -$17.7M | -$44.6M | -$50.3M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $645.2M
- Total assets
- $7.49B
- Total liabilities
- $6.75B
- Total debt
- $6.29B
- Net debt
- $5.65B
- Shareholders’ equity
- $741.9M
As of Jun 30, 2026 (filed Aug 6, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Dec 29, 2009 | $0.50 | Dec 31, 2009 |
Short interest
- Shares sold short
- 563,037
- Days to cover
- 4.46
- Change vs previous report
- +4.7%
FINRA short interest, settlement date Sep 15, 2026.