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Side-by-side financial comparison of Atlanticus Holdings Corp (ATLCP) and monday.com Ltd. (MNDY). Click either name above to swap in a different company.
Atlanticus Holdings Corp is the larger business by last-quarter revenue ($734.4M vs $704.0M, roughly 1.0× monday.com Ltd.). Atlanticus Holdings Corp runs the higher net margin — 4.7% vs 1.3%, a 3.4% gap on every dollar of revenue.
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.
Monday.com Ltd. is an Israeli-based cloud-based platform that allows users to create their own applications and project management software. The product was launched in 2014 and in July 2019, the company raised $150 million, based on a $1.9 billion valuation. The company went public in June 2021 and is based in Tel Aviv, Israel.
ATLCP vs MNDY — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2025
| Metric | | |
|---|---|---|
| Revenue | $734.4M | $704.0M |
| Net Profit | $34.6M | $9.4M |
| Gross Margin | 92.4% | 89.6% |
| Operating Margin | 6.3% | -4.4% |
| Net Margin | 4.7% | 1.3% |
| Revenue YoY | 107.8% | — |
| Net Profit YoY | 11.7% | — |
| EPS (diluted) | $1.75 | — |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $734.4M | — | ||
| Q3 25 | $494.7M | $704.0M | ||
| Q2 25 | $394.2M | $453.0M | ||
| Q1 25 | $345.2M | $216.9M | ||
| Q4 24 | $353.5M | — | ||
| Q3 24 | $351.2M | $527.1M | ||
| Q2 24 | $316.0M | $337.9M | ||
| Q1 24 | $290.7M | $162.3M |
| Q4 25 | $34.6M | — | ||
| Q3 25 | $25.0M | $9.4M | ||
| Q2 25 | $30.6M | $21.4M | ||
| Q1 25 | $31.5M | $7.1M | ||
| Q4 24 | $31.0M | — | ||
| Q3 24 | $29.5M | $-14.2M | ||
| Q2 24 | $24.3M | $-21.7M | ||
| Q1 24 | $26.2M | $-14.7M |
| Q4 25 | 92.4% | — | ||
| Q3 25 | 92.1% | 89.6% | ||
| Q2 25 | 91.4% | 89.6% | ||
| Q1 25 | 90.7% | 89.2% | ||
| Q4 24 | 89.9% | — | ||
| Q3 24 | 92.0% | 89.0% | ||
| Q2 24 | 91.2% | 89.2% | ||
| Q1 24 | 90.8% | 89.5% |
| Q4 25 | 6.3% | — | ||
| Q3 25 | 6.6% | -4.4% | ||
| Q2 25 | 10.2% | -0.7% | ||
| Q1 25 | 11.8% | -2.3% | ||
| Q4 24 | 11.3% | — | ||
| Q3 24 | 10.6% | -7.1% | ||
| Q2 24 | 9.1% | -10.3% | ||
| Q1 24 | 11.3% | -14.0% |
| Q4 25 | 4.7% | — | ||
| Q3 25 | 5.0% | 1.3% | ||
| Q2 25 | 7.8% | 4.7% | ||
| Q1 25 | 9.1% | 3.3% | ||
| Q4 24 | 8.8% | — | ||
| Q3 24 | 8.4% | -2.7% | ||
| Q2 24 | 7.7% | -6.4% | ||
| Q1 24 | 9.0% | -9.0% |
| Q4 25 | $1.75 | — | ||
| Q3 25 | $1.21 | — | ||
| Q2 25 | $1.51 | — | ||
| Q1 25 | $1.49 | — | ||
| Q4 24 | $1.42 | — | ||
| Q3 24 | $1.27 | — | ||
| Q2 24 | $0.99 | — | ||
| Q1 24 | $1.09 | — |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $621.1M | $1.4B |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $608.7M | $1.0B |
| Total Assets | $7.6B | $1.7B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $621.1M | — | ||
| Q3 25 | $425.0M | $1.4B | ||
| Q2 25 | $329.4M | $1.7B | ||
| Q1 25 | $350.4M | $1.4B | ||
| Q4 24 | $375.4M | — | ||
| Q3 24 | $308.7M | $1.1B | ||
| Q2 24 | $350.9M | $1.3B | ||
| Q1 24 | $444.8M | $1.1B |
| Q4 25 | $608.7M | — | ||
| Q3 25 | $589.3M | $1.0B | ||
| Q2 25 | $563.3M | $1.2B | ||
| Q1 25 | $532.7M | $1.0B | ||
| Q4 24 | $492.9M | — | ||
| Q3 24 | $457.7M | $813.5M | ||
| Q2 24 | $433.8M | $910.1M | ||
| Q1 24 | $416.0M | $813.5M |
| Q4 25 | $7.6B | — | ||
| Q3 25 | $7.1B | $1.7B | ||
| Q2 25 | $3.6B | $2.0B | ||
| Q1 25 | $3.3B | $1.7B | ||
| Q4 24 | $3.3B | — | ||
| Q3 24 | $3.0B | $1.3B | ||
| Q2 24 | $2.8B | $1.5B | ||
| Q1 24 | $2.8B | $1.3B |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $266.3M | $234.4M |
| Free Cash FlowOCF − Capex | — | $224.6M |
| FCF MarginFCF / Revenue | — | 31.9% |
| Capex IntensityCapex / Revenue | — | 1.4% |
| Cash ConversionOCF / Net Profit | 7.69× | 25.02× |
| TTM Free Cash FlowTrailing 4 quarters | — | $608.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $266.3M | — | ||
| Q3 25 | $107.5M | $234.4M | ||
| Q2 25 | $132.7M | $147.7M | ||
| Q1 25 | $131.6M | $92.0M | ||
| Q4 24 | $122.6M | — | ||
| Q3 24 | $112.4M | $156.9M | ||
| Q2 24 | $115.6M | $90.3M | ||
| Q1 24 | $118.8M | $42.7M |
| Q4 25 | — | — | ||
| Q3 25 | — | $224.6M | ||
| Q2 25 | — | $141.8M | ||
| Q1 25 | — | $90.5M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $151.4M | ||
| Q2 24 | — | $85.6M | ||
| Q1 24 | — | $39.2M |
| Q4 25 | — | — | ||
| Q3 25 | — | 31.9% | ||
| Q2 25 | — | 31.3% | ||
| Q1 25 | — | 41.7% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 28.7% | ||
| Q2 24 | — | 25.3% | ||
| Q1 24 | — | 24.1% |
| Q4 25 | — | — | ||
| Q3 25 | — | 1.4% | ||
| Q2 25 | — | 1.3% | ||
| Q1 25 | — | 0.7% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 1.0% | ||
| Q2 24 | — | 1.4% | ||
| Q1 24 | — | 2.2% |
| Q4 25 | 7.69× | — | ||
| Q3 25 | 4.30× | 25.02× | ||
| Q2 25 | 4.34× | 6.91× | ||
| Q1 25 | 4.17× | 12.99× | ||
| Q4 24 | 3.96× | — | ||
| Q3 24 | 3.80× | — | ||
| Q2 24 | 4.76× | — | ||
| Q1 24 | 4.54× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
