Atlanticus Holdings financials
$87.48+0.44%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Fiscal year | FY25 Dec 31 | FY24 Dec 31 | FY23 Dec 31 | FY22 Dec 31 | FY21 Dec 31 | FY20 Dec 31 | FY19 Dec 31 | FY18 Dec 31 | FY17 Dec 31 | FY16 Dec 31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $865.3M | $576.5M | $465.7M | $469.0M | $525.1M | $451.5M | $457.3M | $232.9M | $134.3M | $110.3M |
| Gross profit | $563.4M | $416.3M | $356.3M | $387.2M | $471.0M | $399.9M | $406.6M | $195.5M | $116.0M | $90.1M |
| Gross margin | 65.1% | 72.2% | 76.5% | 82.5% | 89.7% | 88.6% | 88.9% | 83.9% | 86.4% | 81.7% |
| Operating income | $159.7M | $137.1M | $127.9M | $148.5M | $244.8M | $111.0M | $45.0M | $21.5M | -$30.0M | -$7.4M |
| Net income | $111.8M | $87.4M | $77.6M | $110.5M | $155.5M | $77.0M | $25.3M | $7.9M | -$40.8M | -$6.3M |
| Net margin | 12.9% | 15.2% | 16.7% | 23.6% | 29.6% | 17.1% | 5.5% | 3.4% | −30.4% | −5.7% |
| Diluted EPS | $5.96 | $4.77 | $4.24 | $5.83 | $7.56 | $3.95 | $1.66 | $0.56 | $-2.93 | $-0.46 |
| EBITDA | $159.7M | $137.1M | $127.9M | $148.5M | $244.8M | $111.0M | $45.0M | $21.5M | -$30.0M | -$8.6M |
| Operating cash flow | $638.0M | $469.4M | $459.3M | $347.6M | $212.4M | $212.7M | $100.0M | $42.9M | -$26.5M | $39.0M |
| Free cash flow | $632.9M | $467.6M | $455.3M | $342.8M | $206.4M | $212.0M | $99.7M | $41.5M | -$26.9M | $38.7M |
| Diluted shares | 19.2M | 18.8M | 18.9M | 19.4M | 20.9M | 20.1M | 15.3M | 14.0M | 13.9M | 13.9M |
Balance sheet
| Period end | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $621.1M | $375.4M | $339.3M | $385.0M | $409.7M | $178.1M |
| Short-term investments | $146.3M | $124.2M | $44.3M | $48.2M | $97.0M | $82.3M |
| Total debt | $6.52B | $2.48B | $2.01B | $1.80B | $1.42B | $909.9M |
| Total assets | $7.62B | $3.27B | $2.71B | $2.39B | $1.94B | $1.21B |
| Total liabilities | $6.98B | $2.69B | $2.17B | $1.92B | $1.52B | $991.4M |
| Shareholders' equity | $603.8M | $579.4M | $532.7M | $465.0M | $427.1M | $215.9M |
From SEC filings via Massive. Fiscal periods follow the company's own calendar; free cash flow is operating cash flow minus capital expenditure.
Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology