Atlanticus Holdings CorpATLCPEarnings & Financial Report
Atlanticus Holdings Corp is a U.S.-based financial technology and consumer finance company that provides accessible credit solutions including point-of-sale financing, personal loans, and credit alternatives, primarily serving non-prime and underserved consumer segments across the U.S. It partners with retail merchants and financial institutions to deliver flexible, responsible credit products tailored to borrowers with limited or damaged credit histories.
Revenue
$353.5M
Gross Profit
$317.7M
Operating Profit
$39.9M
Net Profit
$31.0M
Gross Margin
89.9%
Operating Margin
11.3%
Net Margin
8.8%
YoY Growth
14.4%
EPS
$1.42
Atlanticus Holdings Corp Q4 FY2024 Financial Summary
Atlanticus Holdings Corp reported revenue of $353.5M (up 14.4% YoY) for Q4 FY2024, with a net profit of $31.0M (up 17.9% YoY) (8.8% margin). Cost of goods sold was $35.8M, operating expenses totaled $277.8M.
Key Financial Metrics
| Total Revenue | $353.5M |
|---|---|
| Net Profit | $31.0M |
| Gross Margin | 89.9% |
| Operating Margin | 11.3% |
| Report Period | Q4 FY2024 |
Revenue Breakdown
Atlanticus Holdings Corp Q4 FY2024 revenue of $353.5M breaks down across 3 segments, led by Other at $181.6M (51.4% of total).
| Segment | Revenue | % of Total |
|---|---|---|
| Other | $181.6M | 51.4% |
| Credit And Other Investments | $161.9M | 45.8% |
| Auto Finance | $10.1M | 2.9% |
Atlanticus Holdings Corp Annual Revenue by Year
Atlanticus Holdings Corp annual revenue history includes year-by-year totals (for example, 2025 revenue was $2.0B).
| Year | Annual Revenue |
|---|---|
| 2025 | $2.0B |
| 2024 | $1.3B |
| 2023 | $1.2B |
| 2022 | $1.0B |
Atlanticus Holdings Corp Quarterly Revenue & Net Profit History
Atlanticus Holdings Corp results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q4 FY2025 | $734.4M | +107.8% | $34.6M | 4.7% |
| Q3 FY2025 | $494.7M | +40.8% | $25.0M | 5.0% |
| Q2 FY2025 | $394.2M | +24.7% | $30.6M | 7.8% |
| Q1 FY2025 | $345.2M | +18.7% | $31.5M | 9.1% |
| Q4 FY2024 | $353.5M | +14.4% | $31.0M | 8.8% |
| Q3 FY2024 | $351.2M | +19.1% | $29.5M | 8.4% |
| Q2 FY2024 | $316.0M | +8.7% | $24.3M | 7.7% |
| Q1 FY2024 | $290.7M | +11.4% | $26.2M | 9.0% |
Income Statement
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $290.7M | $316.0M | $351.2M | $353.5M | $345.2M | $394.2M | $494.7M | $734.4M |
| YoY Growth | 11.4% | 8.7% | 19.1% | 14.4% | 18.7% | 24.7% | 40.8% | 107.8% |
Balance Sheet
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $2.79B | $2.84B | $3.04B | $3.27B | $3.27B | $3.64B | $7.08B | $7.62B |
| Liabilities | $2.23B | $2.27B | $2.47B | $2.69B | $2.70B | $3.04B | $6.45B | $6.98B |
| Equity | $416.0M | $433.8M | $457.7M | $492.9M | $532.7M | $563.3M | $589.3M | $608.7M |
Cash Flow
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Operating CF | $118.8M | $115.6M | $112.4M | $122.6M | $131.6M | $132.7M | $107.5M | $266.3M |