Atlanticus Holdings Corp Dossier
Financial Snapshot
Revenue, profitability, returns, debt, and capital allocation
Revenue $347M+69.5% YoYTTM through 30 Jun 2026
Net Income $154M+38.4% YoYTTM through 30 Jun 2026
Free Cash Flow $632.9MTTM through 30 Jun 2026
Margins
| Current | |
|---|---|
| Operating Margin | 58.7% |
| Net Margin | 44.4% |
Returns
26.8%ROE
2.1%ROA
2.4%ROIC
Balance Sheet Health
Debt / Equity9.78x
Net Debt$5.6B
Cash & Equivalents$555.2M
Quality Metrics
Piotroski F-Score6 / 9
FCF Margin182.4%
Earnings-Beat Rate75.0%
Multi-Year Trend
RevenueFY2025: $2B
Diluted EPS$7.70TTMFY2025: $5.96
Dividend
No dividend
Segment Performance
| Segment | Revenue | YoY | Outlook |
|---|---|---|---|
| Credit as a Service (CaaS) | View detailsFocusing on integrating and optimizing the Mercury portfolio, leveraging scale, and maintaining stable credit performance. | ||
| Auto Finance | View detailsManaging risk and maintaining discipline to achieve targeted returns. |
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