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.
ATLCP Q4 FY2025 Key Financial Metrics
Revenue
$734.4M
Gross Profit
$678.8M
Operating Profit
$46.2M
Net Profit
$34.6M
Gross Margin
92.4%
Operating Margin
6.3%
Net Margin
4.7%
YoY Growth
107.8%
EPS
$1.75
Atlanticus Holdings Corp Q4 FY2025 Financial Summary
Atlanticus Holdings Corp reported revenue of $734.4M (up 107.8% YoY) for Q4 FY2025, with a net profit of $34.6M (up 11.7% YoY) (4.7% margin). Cost of goods sold was $55.6M, operating expenses totaled $632.6M.
Key Financial Metrics
| Total Revenue | $734.4M |
|---|---|
| Net Profit | $34.6M |
| Gross Margin | 92.4% |
| Operating Margin | 6.3% |
| Report Period | Q4 FY2025 |
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).
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 |