ATLC

Atlanticus Holdings Corporation

ATLC.US atlanticus.com + Research + Basket
93.54
+2.47 (+2.71%)
USD · NASDAQ
52-week range
47.50
114.34
Trading at 69% of the 52-week range
Market Cap
1.42B
P/E Ratio
12.67
Forward P/E
7.87
Book Value
46.27
Div. Yield
N/A
% Institutions
26.97%
% Insiders
64.31%

1 Year

+61.5%

3 Year

+209.8%

10 Year

+2,778.2%
Description

Atlanticus Holdings Corporation, a financial technology company, provides products and services to lenders in the United States. The company operates in two segments, Credit as a Service (CaaS) and Auto Finance. Its CaaS segment offers private label credit products associated with the healthcare space under the Curae brand, as well as consumer electronics, furniture, elective medical procedures, and home-improvement under the Fortiva brand and its retail partners' brands; and general-purpose credit cards under the Aspire, Imagine, Mercury, and Fortiva brand names. The company's private label and general-purpose credit cards originated from its bank partners through various channels, including retail and healthcare point-of-sale locations, direct mail solicitation, and digital marketing and partnerships with third parties. This segment also offers loan servicing, such as risk management and customer service outsourcing for third parties, as well as engages in other product testing and investments. The Auto Finance segment purchases and/or services loans secured by automobiles from or for a pre-qualified network of independent automotive dealers and automotive finance companies in the buy-here and pay-here used car business. This segment also provides floor plan financing and installment lending products. The company was founded in 1996 and is headquartered in Atlanta, Georgia.

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Company Information

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Company Name
Atlanticus Holdings Corporation
Sector
Financial Services
Industry
Credit Services
Exchange
NASDAQ
CIK: 0001464343
Currency: USD
Full Time Employees: 576
Phone: 770 828 2000
Fiscal Year End: December
IPO Date: Apr 23, 1999
Description:

Atlanticus Holdings Corporation, a financial technology company, provides products and services to lenders in the United States. The company operates in two segments, Credit as a Service (CaaS) and Auto Finance. Its CaaS segment offers private label credit products associated with the healthcare space under the Curae brand, as well as consumer electronics, furniture, elective medical procedures, and home-improvement under the Fortiva brand and its retail partners' brands; and general-purpose credit cards under the Aspire, Imagine, Mercury, and Fortiva brand names. The company's private label and general-purpose credit cards originated from its bank partners through various channels, including retail and healthcare point-of-sale locations, direct mail solicitation, and digital marketing and partnerships with third parties. This segment also offers loan servicing, such as risk management and customer service outsourcing for third parties, as well as engages in other product testing and investments. The Auto Finance segment purchases and/or services loans secured by automobiles from or for a pre-qualified network of independent automotive dealers and automotive finance companies in the buy-here and pay-here used car business. This segment also provides floor plan financing and installment lending products. The company was founded in 1996 and is headquartered in Atlanta, Georgia.

Address:

Five Concourse Parkway, Atlanta, GA, United States, 30328

People

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Directors & Officers

Name Title Year Born
Mr. David G. Hanna Executive Chairman 1965
Mr. Jeffrey A. Howard President, CEO & Director 1970
Mr. William R. McCamey Chief Financial Officer 1969
Mr. Mitchell C. Saunders Chief Accounting Officer 1973
Ms. Linda Brooks Chief Technology Officer NA
Mr. Kas Naderi Chief Information Officer & Senior VP of Technology Systems NA
Ms. Rosalind T. Drakeford Managing Counsel, Chief Compliance Officer & Corporate Secretary NA
Mr. Matt Zalubowski Senior Vice President of Marketing NA
Mr. David Caruso Chief Commercial Officer NA
Mr. Brian Stone Chief Data Science & Risk Officer NA

Insider Trading

Date Insider Name Title Transaction Type Shares Price Value
Jan 13, 2026 Deal W Hudson N/A Sale 1.68K $59.72 $100.03K
Aug 13, 2025 Deal W Hudson N/A Sale 2.00K $62.39 $124.78K

Shareholders

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Institutional Holders

Holder Name Shares Date Reported % Out Value % Change
Wellington Management Company LLP 522.64K Jun 30, 2026 3.45% $0.01 -30.77%
Dimensional Fund Advisors, Inc. 454.39K Jun 30, 2026 3.00% $0.01 -13.04%
BlackRock Inc 425.77K Jun 30, 2026 2.81% $0.00 -1.02%
Curated Wealth Partners LLC 375.00K Jun 30, 2026 2.47% $0.05 0.00%
Vanguard Capital Management, LLC 235.89K Jun 30, 2026 1.55% $0.00 0.26%
American Century Companies Inc 221.05K Jun 30, 2026 1.46% $0.01 19.43%
Geode Capital Management, LLC 143.89K Jun 30, 2026 0.95% $0.00 0.55%
HB Wealth Management, LLC 118.94K Jun 30, 2026 0.78% $0.07 0.13%
Arrowstreet Capital Limited Partnership 118.00K Jun 30, 2026 0.78% $0.01 306.14%
State Street Corp 117.94K Jun 30, 2026 0.78% $0.00 1.78%
Bridgeway Capital Management, LLC 99.60K Jun 30, 2026 0.66% $0.18 -17.96%
Renaissance Technologies Corp 92.16K Jun 30, 2026 0.61% $0.01 -20.25%
Philadelphia Financial Mgmt Of San Franc 89.60K Jun 30, 2026 0.59% $1.85 0.00%
Empowered Funds, LLC 71.26K Jun 30, 2026 0.47% $0.04 2.81%
Charles Schwab Investment Management Inc 66.27K Jun 30, 2026 0.44% $0.00 4.06%
Northern Trust Corp 60.62K Jun 30, 2026 0.40% $0.00 1.76%
Janney Montgomery Scott LLC 52.47K Jun 30, 2026 0.35% $0.01 1.62%
The Goldman Sachs Group Inc 50.42K Jun 30, 2026 0.33% $0.00 93.73%
Vanguard Portfolio Management, LLC 43.70K Jun 30, 2026 0.29% $0.00 7.09%
Vanguard Fiduciary Trust Co 39.39K Jun 30, 2026 0.26% $0.00 11.11%

Fund Holdings

Rank Holder Name Shares Held % of Shares Change Date Reported
1 Avantis US Small Cap Value ETF 222.43K 1.47% ▲ 0.14% Sep 30, 2026
2 Vanguard MStar Total Stk Mkt Idx Invest 166.21K 1.10% ▲ 0.00% Aug 31, 2026
3 iShares Russell 2000 ETF 136.24K 0.90% ▼ 1.16% Sep 30, 2026
4 Applied Finance Explorer Institutional 68.69K 0.45% ▲ 0.00% Jul 31, 2026
5 EA Bridgeway Omni Small-Cap Value ETF 65.51K 0.43% ▲ 0.00% Sep 30, 2026
6 Fidelity Small Cap Index 55.29K 0.36% ▲ 1.12% Jul 31, 2026
7 iShares Russell 2000 Growth ETF 49.70K 0.33% ▼ 0.13% Sep 30, 2026
8 Dimensional US Targeted Value ETF 39.74K 0.26% ▲ 0.00% Sep 30, 2026
9 DFA US Small Cap I 37.21K 0.25% ▼ 1.00% Aug 31, 2026
10 Principal US Small Cap ETF 35.11K 0.23% ▲ 0.05% Sep 30, 2026

Financial Highlights

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Market Cap: $1.42B
P/E Ratio: $12.67
PEG Ratio: $0.00
Book Value: $46.27
Earnings/Share: $7.38
Profit Margin: 21.08%
Operating Margin: 29.52%
ROA (TTM): 2.76%
ROE (TTM): 22.97%
Revenue (TTM): $730.47M
Revenue/Share (TTM): $48.42
Earnings Growth (YOY): 66.00%
Revenue Growth (YOY): 83.30%

Valuation Metrics

Enterprise Value: $7.19B
Trailing P/E: 12.67
Forward P/E: 7.87

Shares Statistics

Shares Outstanding: 15.17M
Shares Float: 5.50M
% Insiders: 64.31%
% Institutions: 26.97%
Short % Float: 28.21%

Stock Price History

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1 Year Price History

3 Years Price History

10 Years Price History

Max Price History

Financial Charts

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Revenue, Net Income & Operating Cash Flow (Yearly)

Change % vs Prior Year

Revenue, Net Income & Operating Cash Flow (Quarterly)

Change % vs Prior Quarter

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Income Statement Waterfall

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Open full waterfall
Line Item
Step Type
Value
Revenue
adjust
$704.50M
Cost of Goods Sold
adjust
$-308.14M
Gross Profit
subtotal
$396.36M
SG&A
adjust
$-69.57M
Other Operating Expense
adjust
$-167.08M
Operating Income
subtotal
$159.71M
Other / Non-Operating Items
adjust
$-37.51M
Net Income
subtotal
$122.20M

Earnings Per Share (EPS) History

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Financial Ratios

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📦 Raw API Data (JSON Explorer)

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