Atlanticus (ATLC)
Enables private-label credit cards and dealer finance through partner-led programs.
$90.07
vs last close−1.98 (−2.15%)
In millions of USD, except per-share figures
| In millions | Q3 FY23Sep 2023 | Q4 FY23Dec 2023 | Q1 FY24Mar 2024 | Q2 FY24Jun 2024 | Q3 FY24Sep 2024 | Q4 FY24Dec 2024 | Q1 FY25Mar 2025 | Q2 FY25Jun 2025 | Q3 FY25Sep 2025 | Q4 FY25Dec 2025 | Q1 FY26Mar 2026 | Q2 FY26Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 91 | 98 | 105 | 102 | 119 | 133 | 135 | 143 | 179 | 248 | 680 | 551 |
| Cost of revenue | 29 | 33 | 38 | 40 | 47 | 52 | 49 | 55 | 77 | 127 | 52 | 27 |
| Gross profit | 62 | 65 | 67 | 62 | 72 | 82 | 86 | 88 | 102 | 120 | 627 | 523 |
| 31 | 34 | 34 | 34 | 35 | 42 | 45 | 48 | 69 | 74 | 446 | 490 | |
| 24 | 26 | 24 | 26 | 27 | 30 | 36 | 38 | 53 | 55 | −36 | −48 | |
| Selling & marketing | 13 | 15 | 10 | 14 | 15 | 17 | 20 | 25 | 35 | 33 | −36 | −48 |
| General & administrative | 11 | 11 | 13 | 12 | 12 | 13 | 16 | 13 | 18 | 22 | 0 | 0 |
| Other expenses | 7 | 8 | 10 | 8 | 8 | 12 | 9 | 10 | 16 | 19 | 482 | 538 |
| Operating income | 32 | 31 | 33 | 29 | 37 | 40 | 41 | 40 | 32 | 46 | 182 | 33 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | −123 | 33 | |
| Interest income | 225 | 225 | 230 | 242 | 255 | 252 | 248 | 276 | 341 | 538 | 529 | 545 |
| Interest expense | 28 | 33 | 35 | 38 | 42 | 45 | 48 | 54 | 75 | 125 | 123 | 123 |
| Income before tax | 32 | 31 | 33 | 29 | 37 | 40 | 41 | 40 | 32 | 46 | 59 | 66 |
| Income tax expense | 7 | 4 | 7 | 4 | 8 | 9 | 10 | 10 | 8 | 12 | 14 | 16 |
| Net income from continuing operations | 25 | 26 | 26 | 24 | 29 | 31 | 31 | 30 | 25 | 35 | 45 | 50 |
| Net income | 25 | 26 | 26 | 24 | 30 | 31 | 32 | 31 | 25 | 35 | 44 | 50 |
| EPS, basic | $1.30 | $1.37 | $1.35 | $1.22 | $1.58 | $1.77 | $1.85 | $1.87 | $1.50 | $2.17 | $2.80 | $3.13 |
| EPS, diluted | $1.03 | $1.10 | $1.09 | $0.99 | $1.27 | $1.42 | $1.49 | $1.51 | $1.18 | $1.75 | $2.23 | $2.50 |
| Weighted average shares, basic | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 |
| Weighted average shares, diluted | 19 | 19 | 19 | 19 | 19 | 19 | 19 | 19 | 19 | 19 | 19 | 19 |
| EBITDA | 33 | 32 | 34 | 30 | 39 | 41 | 42 | 42 | 35 | 50 | 185 | 37 |
| Depreciation & amortization | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 | 4 | 4 | 4 |
| EBIT | 32 | 31 | 33 | 29 | 37 | 40 | 41 | 40 | 32 | 46 | 182 | 33 |
