Reading the tape
NASDAQ: ATLC
Atlanticus Holdings Corporation
Financial Services · Financial - Credit Services
Market Cap
$1.13B
52w High
$80.29
52w Low
$45.74
P/E
9.36
Volume
36.50K
Outstanding Shares
14.91M
Price vs Fundamentals
Why The Stock Is Moving
Fundamentals are supporting the moveModerate confidence
Note: The most recent financial data is over 3 months old. Metrics shown may not reflect the latest reporting period.
1Y Price: 36.44%Revenue (TTM): 53.29%FCF (TTM): 34.76%P/FCF: 36th pct
What changed
The stock rose 36.44% over the last year. Revenue grew 53.29% over the trailing twelve months. Operating margin moved from 30.15% to 22.67%. Free cash flow grew 34.76% over the trailing twelve months.
What the market seems to be pricing
The stock move broadly lines up with stronger business momentum, and the shares are still only around the 36th percentile of their historical P/FCF range.
What would invalidate this read
Operating margin is at 22.67%. Revenue grew 53.29% — this thesis depends on that trajectory holding. If revenue growth, margins, or free cash flow roll over while the stock keeps climbing, more of the move would be coming from multiple expansion than business progress.
Company profile
Atlanticus Holdings Corporation provides credit and related financial services and products to customers the United States.
CEOJeffrey A. Howard
SectorFinancial Services
IndustryFinancial - Credit Services
Employees417
IPO dateApr 23, 1999
Valuation
Forward P/E—
EV/EBITDA40.88
Enterprise value$6.93B
Price / Book1.85
Stock splits
No stock splits recorded for this ticker.
Profitability & growth
Standard profitability metrics can be misleading for financial/insurance companies. GAAP requires unrealized investment gains/losses in net income (affecting ROE), and margins are blended across diverse business segments.
Revenue growth85.74%
Gross margin56.26%▼8.65%vs FY2024
Operating margin22.67%▼24.82%vs FY2024
ROE20.08%▼11.09%vs FY2024
Analyst consensus
RatingBuy
Target price$70.00▼7.49%
5
Buy
1
Hold
0
Sell
Analyst ratings tend to be lagging indicators. Use as one signal among many.
Earnings
Full quarter-by-quarter history of actuals vs estimates. Switch into compare mode to inspect one metric year-over-year.
Next report
May 7, 2026
Q2 FY26 · EPS est $1.69 · Revenue est $749.36M
View