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Atlanticus holdings corporationATLCP.US Overview

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ATLCP Recent Performance

1.39%

Atlanticus holdings corporation

0.23%

Avg of Sector

-0.49%

S&P500

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ATLCP Key Information

ATLCP Valuation Metrics

ATLCP Profile

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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ATLCP FAQ

This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

ATLCP Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
8.09
PE Ratio (TTM)
-
Forward PE
-
PS Ratio (TTM)
-
PB Ratio
-
Price-to-FCF
0.55
METRIC
VALUE
vs. INDUSTRY
Gross Margin
96.47%
Net Margin
6.21%
Revenue Growth (YoY)
328.30%
Profit Growth (YoY)
570.87%
3-Year Revenue Growth
194.96%
3-Year Profit Growth
299.79%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
8.09
PE Ratio (TTM)
-
Forward PE
-
PS Ratio (TTM)
-
PB Ratio
-
Price-to-FCF
0.55
Gross Margin
96.47%
Net Margin
6.21%
Revenue Growth (YoY)
328.30%
Profit Growth (YoY)
570.87%
3-Year Revenue Growth
194.96%
3-Year Profit Growth
299.79%
  • When is ATLCP's latest earnings report released?

    The most recent financial report for Atlanticus holdings corporation (ATLCP) 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 ATLCP's short-term business performance and financial health. For the latest updates on ATLCP's earnings releases, visit this page regularly.

  • Where does ATLCP fall in the P/E River chart?

    According to historical valuation range analysis, Atlanticus holdings corporation (ATLCP)'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.

  • What is the operating profit of ATLCP?

    According to the latest financial report, Atlanticus holdings corporation (ATLCP) reported an Operating Profit of 171.45M with an Operating Margin of 11.34% this period, representing a growth of 330.04% 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.

  • How is ATLCP's revenue growth?

    In the latest financial report, Atlanticus holdings corporation (ATLCP) announced revenue of 1.51B, with a Year-Over-Year growth rate of 1,033.38%. 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.

  • How much debt does ATLCP have?

    As of the end of the reporting period, Atlanticus holdings corporation (ATLCP) had total debt of 6.54B, with a debt ratio of 0.86. Long-term debt comprises a higher/lower proportion. The level of financial leverage directly impacts the company's capital structure and interest coverage. If debt is high, pay attention to interest expenses and refinancing risks. Conversely, a low-leverage structure indicates greater risk tolerance but potentially less growth flexibility.

  • How much cash does ATLCP have?

    At the end of the period, Atlanticus holdings corporation (ATLCP) held Total Cash and Cash Equivalents of 767.41M, accounting for 0.1 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.

  • Does ATLCP go with three margins increasing?

    In the latest report, Atlanticus holdings corporation (ATLCP) 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 ATLCP's profit trajectory and future growth potential.

  • Is ATLCP's EPS continuing to grow?

    According to the past four quarterly reports, Atlanticus holdings corporation (ATLCP)'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.

  • What is the FCF of ATLCP?

    Atlanticus holdings corporation (ATLCP)'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.

  • What are the PEG ratio and PE ratio of ATLCP?

    The latest valuation data shows Atlanticus holdings corporation (ATLCP) 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.