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Atlanticus holdings corporation 6.125% senior notes due 2026
0.23%
Avg of Sector
-0.49%
S&P500
Atlanticus Holdings Corp. is a financial holding company, which engages in the provision of financial technology and related services. It operates through the Credit as a Service (CaaS) and Auto Finance segments. The CaaS segment includes private label credit and general purpose credit cards originated by lenders through multiple channels, including retail and healthcare, direct mail solicitation, digital marketing and partnerships with third parties. The Auto Finance segment services loans secured by independent automotive dealers and automotive finance companies in the buy-here, pay-here used car business. The company was founded by David G. Hanna in August 1996 and is headquartered in Atlanta, GA.
Unit : USD
| QTR | Non-GAAP EPS | EPS YoY | EPS Surprise % | Sales | Sales YoY | Sales Surprise % | NPM |
|---|---|---|---|---|---|---|---|
| Current | |||||||
| 2025Q4 | |||||||
| 2025Q3 | |||||||
| 2025Q2 | |||||||
| 2025Q1 |
The most recent financial report for Atlanticus holdings corporation 6.125% senior notes due 2026 (ATLCL) covers the period of 2025Q4 and was published on 2025/12/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating ATLCL's short-term business performance and financial health. For the latest updates on ATLCL's earnings releases, visit this page regularly.
According to historical valuation range analysis, Atlanticus holdings corporation 6.125% senior notes due 2026 (ATLCL)'s current price-to-earnings (P/E) ratio is 7.2, placing it in the Overvalued zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning optimistic. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.
According to the latest financial report, Atlanticus holdings corporation 6.125% senior notes due 2026 (ATLCL) reported an Operating Profit of 46.22M with an Operating Margin of 18.66% this period, representing a growth of 15.94% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.
In the latest financial report, Atlanticus holdings corporation 6.125% senior notes due 2026 (ATLCL) announced revenue of 247.73M, with a Year-Over-Year growth rate of 85.74%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.
At the end of the period, Atlanticus holdings corporation 6.125% senior notes due 2026 (ATLCL) held Total Cash and Cash Equivalents of 621.09M, accounting for 0.08 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.
In the latest report, Atlanticus holdings corporation 6.125% senior notes due 2026 (ATLCL) achieved the “three margins increasing” benchmark, with a gross margin of 220.96%%, operating margin of 23.35%%, and net margin of 4.78%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess ATLCL's profit trajectory and future growth potential.
According to the past four quarterly reports, Atlanticus holdings corporation 6.125% senior notes due 2026 (ATLCL)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 2.17. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.
Atlanticus holdings corporation 6.125% senior notes due 2026 (ATLCL)'s Free Cash Flow (FCF) for the period is 263.57M, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 117.82% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.
The latest valuation data shows Atlanticus holdings corporation 6.125% senior notes due 2026 (ATLCL) has a Price-To-Earnings (PE) ratio of 7.2 and a Price/Earnings-To-Growth (PEG) ratio of 0.16. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.