balance equationreview2025-12-31
Difference 40000000 exceeds tolerance 7623088.000. Presentation or filing-vintage differences need review.
Revenue
$1.97B
Fiscal year ended 2025-12-31Net income
$122.20M
Fiscal year ended 2025-12-31Total assets
$7.62B
Fiscal year ended 2025-12-31Atlanticus Holdings Corp (ATLCP) reported revenue of $1.97B and net income of $122.20M for the fiscal year ended 2025-12-31. This page shows 9 annual periods of income statement, balance sheet and cash flow figures normalized from Atlanticus Holdings Corp’s SEC filings, each linked to the filing it came from. It is classified by the SEC under Personal Credit Institutions.
Banks, brokers and insurers present a top line that is not comparable with an operating company’s revenue: it is reported net of interest expense, or as premiums earned, depending on the filer. The figures are the filer’s own and are traceable to the filing; the comparison across classes is what does not hold.
Income
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.97B | $1.31B | $1.16B | $1.05B | $748.06M | $563.41M | $455.20M | $5.56M | $5.27M |
| Cost of revenue | $160.85M | $118.40M | $100.62M | $95.43M | $75.40M | $63.05M | $49.46M | $37.14M | $31.53M |
| Gross profit | $1.81B | $1.19B | $1.06B | $951.48M | $672.66M | $500.36M | $405.74M | -$31.59M | -$26.26M |
| Operating income | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Net income | $122.20M | $111.30M | $102.84M | $135.60M | $177.90M | $94.12M | $26.44M | $7.86M | -$40.78M |
| Research & development | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Weighted-average diluted shares | shares 19.18M | shares 18.80M | shares 18.88M | shares 19.38M | shares 20.90M | shares 20.10M | shares 15.27M | shares 14.00M | shares 13.94M |
| Pretax income | $159.71M | $138.58M | $128.56M | $149.27M | $219.57M | $114.39M | $31.76M | $3.48M | -$47.25M |
| Income tax expense | $39.10M | $28.47M | $26.60M | $14.66M | $41.78M | $20.47M | $5.55M | -$4.13M | -$6.38M |
| Diluted EPS | $5.96 | $4.77 | $4.24 | $5.83 | $7.56 | $3.95 | $1.66 | $0.56 | $-2.93 |
| Selling, general & administrative | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| General & administrative | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Selling & marketing | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
Balance
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $621.09M | $375.42M | $339.34M | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | $70.66M |
| Total assets | $7.62B | $3.27B | $2.71B | $2.39B | $1.94B | $1.21B | $936.27M | $582.61M | $425.61M |
| Current assets | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Total liabilities | $6.98B | $2.69B | $2.17B | $1.92B | $1.52B | $991.35M | $846.88M | $604.74M | $461.74M |
| Current liabilities | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Total equity incl. NCI | $603.83M | $489.36M | $392.42M | $325.04M | $287.50M | $76.51M | $335.00K | -$22.13M | -$36.13M |
| Temporary (mezzanine) equity | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Inventory | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Accounts receivable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Goodwill | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Long-term debt | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Accounts payable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
Cash flow
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 |
|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $637.96M | $469.40M | $459.32M | $347.63M | $212.37M | $212.73M | $99.96M | $42.86M | -$26.47M |
| Capital expenditures | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | $749.00K | $250.00K | $1.38M | $395.00K |
| Investing cash flow | -$1.51B | -$747.03M | -$672.20M | -$682.28M | -$475.02M | -$292.58M | -$433.69M | -$134.52M | -$80.32M |
| Financing cash flow | $1.14B | $393.61M | $163.34M | $261.26M | $510.33M | $162.38M | $368.72M | $161.75M | $84.64M |
| Net change in cash | $267.77M | $115.98M | -$49.54M | -$73.44M | $247.67M | $82.57M | $34.64M | $71.10M | -$21.98M |
| Stock-based compensation | $4.30M | $3.90M | $3.78M | $4.17M | $3.24M | $1.36M | $1.71M | $1.32M | $1.53M |
| Common dividends paid | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Common share repurchases | $69.57M | $52.67M | $17.67M | $89.01M | $25.22M | $3.35M | $2.52M | $723.00K | $389.00K |
| Depreciation & amortization | $9.90M | $5.19M | $4.04M | $4.85M | $2.49M | $7.95M | $7.69M | $987.00K | $1.02M |
Derived
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 |
|---|---|---|---|---|---|---|---|---|---|
| Free cash flow | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | $99.71M | $41.47M | -$26.86M |
| Gross margin | 91.8% | 91.0% | 91.3% | 90.9% | 89.9% | 88.8% | 89.1% | -568.6% | -498.0% |
| Operating margin | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| FCF margin | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | 21.9% | 746.5% | -509.5% |
| SBC / revenue | 0.2% | 0.3% | 0.3% | 0.4% | 0.4% | 0.2% | 0.4% | 23.8% | 29.0% |
| Current ratio | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Revenue YoY growth | 50.1% | 13.5% | 10.4% | 40.0% | 32.8% | 23.8% | 8092.9% | 5.4% | Unavailable |
| Net margin | 6.2% | 8.5% | 8.9% | 13.0% | 23.8% | 16.7% | 5.8% | 141.4% | -773.4% |
| R&D / revenue | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| CapEx / revenue | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | 0.1% | 24.9% | 7.5% |
| Long-term debt / equity | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Effective tax rate | 24.5% | 20.5% | 20.7% | 9.8% | 19.0% | 17.9% | 17.5% | -118.6% | Unavailable |
Amounts are abbreviated; the exact reported value is carried in each cell. — means unavailable, not zero. Open ATLCP in the interactive workspace to inspect any figure back to its filing.
Source filings
10-Q · Filed 2026-08-06View SEC filing
10-Q · Filed 2026-05-07View SEC filing
10-K · Filed 2026-03-12View SEC filing
10-Q · Filed 2025-11-10View SEC filing
10-Q · Filed 2025-08-07View SEC filing
10-Q · Filed 2025-05-08View SEC filing
Reconciliation checks needing review
7 periods on this page do not reconcile under this site’s normalization. Read that as a limitation here before an observation about the company: the figures are the filer’s own, the filings linked above are authoritative, and a difference usually means the concepts this site selected do not match how this filer presents its statements. Nothing is adjusted to make a check pass.
balance equationreview2024-12-31
Difference 90000000 exceeds tolerance 3270707.000. Presentation or filing-vintage differences need review.
balance equationreview2023-12-31
Difference 140250000 exceeds tolerance 2706445.000. Presentation or filing-vintage differences need review.
balance equationreview2022-12-31
Difference 139950000 exceeds tolerance 2387814.000. Presentation or filing-vintage differences need review.
balance equationreview2021-12-31
Difference 139650000 exceeds tolerance 1943863.000. Presentation or filing-vintage differences need review.
balance equationreview2020-12-31
Difference 139350000 exceeds tolerance 1207214.000. Presentation or filing-vintage differences need review.
balance equationreview2019-12-31
Difference 89050000 exceeds tolerance 1000000. Presentation or filing-vintage differences need review.