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ATLC · NASDAQ · Financial - Credit Services

Atlanticus

Enables private-label credit cards and dealer finance through partner-led programs.

$91.08

After-hours close+0.12 (+0.13%)

At close$90.96(−2.23%)

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Profile

Atlanticus Holdings CorporationATLCFinancials

Runs Credit as a Service and Auto Finance businesses that support bank, retail, healthcare, and dealer partners. Products include Fortiva and Curae private-label credit, Aspire, Imagine, Mercury, and Fortiva cards, and auto-secured loan servicing for independent used-car dealers.

Provides Credit as a Service infrastructure for lenders and commercial partners serving U.S. consumers. The platform combines technology, data, analytics, servicing, and bank-partner programs for private-label credit under Fortiva, Curae, and merchant brands, plus general-purpose cards under Aspire, Imagine, Mercury, and Fortiva.

Operates a smaller Auto Finance segment through CAR subsidiary operations, purchasing and servicing auto-secured loans for independent buy-here, pay-here dealers and automotive finance companies. It also provides floor-plan financing and installment lending products.

Execution depends on bank-partner terms, compliance capabilities, funding costs, credit models, origination speed, service quality, technology integration, and partner relationships across retail, healthcare, card, and dealer channels.

Company facts

CEOJeffrey A. Howard

ListedDec 3, 2012

ExchangeNASDAQ

HeadquartersAtlanta, GA

CountryUnited States

Employees576

CIK0001464343

ISINUS04914Y1029

Key statistics

Market cap$1.38B

EPS (ttm)$7.66

P/E (ttm)11.89

ROE23.1%

P/B1.86

P/S0.8312

Dividend yield—

Beta1.54vs XLF 1.18

Year to date +37.1% · Average volume (30d) 154.6K

Analysts

Price target, next 12 months$144.00+58.1%Median of 7 analysts · vs the Aug 28 close

ConsensusBuy6 of 7 analysts rate it buy or better

Ratings

Strong buyBuyHoldSellStrong sell

Target range

Last close $91.08

High$179.00+96.5%

Median$144.00+58.1%

Low$100.00+9.8%

12 months agoNowIn 12 months

Latest analyst notes

Date	Firm	Action	Rating	Prior target	Target
Jul 13, 2026	Capital One Financial	Target			$144
Jul 13, 2026	HSBC	Target			$144
Jul 8, 2026	Jefferies	Reiterate	Buy		$115
Jun 30, 2026	BTIG	Reiterate	Buy	$45	$179
Jun 10, 2026	William Blair	Target			$100

Earnings

EPS

Estimate$2.66

ReportedDue Nov 9, 2026

Revenue

Estimate$766.6M

ReportedDue Nov 9, 2026

History

Report date	EPS est	EPS	Surprise	Revenue est	Revenue	Surprise	Next session
Aug 6, 2026Q2 FY26	$2.42	$2.50	+3.3%	$716.3M	$744.3M	+3.9%	−10.54%
May 7, 2026Q1 FY26	$1.69	$2.23	+32.0%	$749.4M	$679.5M	−9.3%	+8.26%
Mar 12, 2026Q4 FY25	$1.59	$1.75	+10.1%	$691.7M	$734.4M	+6.2%	−9.08%
Nov 10, 2025Q3 FY25	$1.34	$1.48	+10.4%	$691.8M	$178.8M	−74.2%	+1.35%

View details

Financial highlights

	Q1 FY25	Q2 FY25	Q3 FY25	Q4 FY25	Q1 FY26	Q2 FY26
Revenue	$134.7M	$143.3M	$178.8M	$247.7M	$679.6M	$550.5M
Gross profit	$86.1M	$88.2M	$101.8M	$120.3M	$627.5M	$523.3M
Operating income	$40.9M	$40.1M	$32.5M	$46.2M	$181.6M	$33.4M
Net income	$31.5M	$30.6M	$25.0M	$35.1M	$44.2M	$49.7M
Diluted EPS	$1.49	$1.51	$1.18	$1.75	$2.23	$2.50
Gross margin	63.9%	61.6%	56.9%	48.5%	92.3%	95.1%
Operating margin	30.3%	28.0%	18.2%	18.7%	26.7%	6.1%

Fiscal years (4-quarter sums)FY21 $453.9M · FY22 $374.4M · FY23 $365.7M · FY24 $459.6M · FY25 $704.5M

Revenue by product · Q1 FY26

Other Revenue$39.7M · 55%

Merchant Fees$32.3M · 45%

Balance sheet, Jun 30, 2026Cash & short-term investments $645.2M · Total debt $6.29B · Total assets $7.49B · Shareholders' equity $741.9M

Dividends

No dividends on record.

Ownership

Institutions 24.16%3.65M sharesInsiders 30.97%4.68M sharesOther 44.87%6.78M shares

Shares outstanding 15.12M · Float 9.49M · 62.8% free float

Top shareholders13F · 13D/G · Form 4

Holder	Shares	% outstanding	Form	Filed
Hanna David G	8.05M	42.10%	13D	Jul 6, 2026
Hanna Frank J Iii · 10 percent owner	3.77M	24.96%	Form 4	Jul 1, 2026
Wellington Management Group LLP	755.0K	5.10%	13G	May 15, 2026
Jeffrey A. Howard · director, officer: President & CEO	663.3K	4.39%	Form 4	Jul 2, 2026
Dimensional Fund Advisors LP	522.5K	3.46%	13F	May 7, 2026

Insider tradesForm 4

Date	Insider	Role	Shares	Avg price
Jun 30, 2026	Jeffrey A. Howard	director, officer: President & CEO	−10,000	$103.01
Jun 30, 2026	William McCamey	officer: Chief Financial Officer	−10,000	$103.01
Jun 29, 2026	Mitchell Saunders	officer: Chief Accounting Officer	−10,000	$102.20
Jul 1, 2026	David G. Hanna	director, 10 percent owner, officer: Executive Chairman	−15,676	$104.26
Jun 30, 2026	David G. Hanna	director, 10 percent owner, officer: Executive Chairman	−8,319	$103.08