Atlanticus Holdings Corporation, operating under the ticker ATLC, is a financial services enterprise providing a spectrum of credit and related financial solutions ...
Plutux is not an investment adviser. Market data and AI-generated analysis are for information and education only, not investment advice. Disclaimer
Est. EPS $2.66 · Revenue $766.59M · 2 analysts
Est. EPS $2.35 · Revenue $796.47M · 2 analysts
Est. EPS $9.61 · Revenue $2.99B · 2 analysts
Est. EPS $2.73 · Revenue $793.29M · 1 analysts
| Metric | Latest | YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength. | QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes. |
|---|---|---|---|
| RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three). | $704.5M | +53.3% | -19.0% |
| Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day. | $122.2M | +9.8% | +12.6% |
| Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials. | +56.3% | -8.6% | +2.9% |
| Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on). | +22.7% | -24.8% | -77.3% |
| Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales. | +17.3% | -28.4% | +38.9% |
| Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock. | $632.9M | +35.4% | -3.2% |
| FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine. | +89.8% | -11.7% | +19.5% |
| Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe. | 1074.8% | +111.5% | -8.1% |
| Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking. | 1.76x | -66.3% | +45.3% |
| Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground. | $7.6B | +133.1% | +0.4% |
| Metric | Annual (A vs E) | Annual Surprise | Quarter (A vs E) | Quarter Surprise |
|---|---|---|---|---|
| EPS Surprise | 5.96 vs 5.96 | 0.0% | 2.50 vs 2.66 | -6.1% |
| Revenue Surprise | $704.5M vs $1.9B | -63.4% | $550.5M vs $766.6M | -28.2% |
| Date | Executive | Title | Security | Side | Shares | Price |
|---|---|---|---|---|---|---|
| Aug 14, 2026 | Saunders Mitchell | officer: Chief Accounting Officer | Common Stock | D | 1,500 | — |
| Jul 1, 2026 | HANNA FRANK J III | 10 percent owner | Common Stock | D | 15,676 | $104.26 |
| Jul 1, 2026 | HANNA DAVID G | director, 10 percent owner, officer: Executive Chairman | Common Stock | D | 15,676 | $104.26 |
| Jun 30, 2026 | McCamey William | officer: Chief Financial Officer | Common Stock | D | 10,000 | $103.01 |
| Jun 30, 2026 | Howard Jeffrey A. | director, officer: President & CEO | Common Stock | D | 10,000 | $103.01 |
Operator: Good day, and thank you for standing by. Welcome to the Atlanticus Second Quarter 2026 Earnings Call. [Operator Instructions] Please be advised that today's conference is being recorded. [Operator Instructions] I would now like to hand the conference over to your speaker today, Dan Mauch. Dan Mauch: Thank you, operator, and good afternoon, everyone. Atlanticus released results for the second quarter ended June 30, 2026, this afternoon after market close. If you did not receive a copy of our earnings press release, you may obtain it from the Investor Relations section of our website at investors.atlanticus.com. We have also posted an updated investor presentation. With me on today's call are Jeff Howard, President and Chief Executive Officer; and Bill McCamey, Chief Financial Officer. This call is being webcast and will be archived on the Investor Relations section of our website. Today's discussion may contain forward-looking statements that reflect the company's current views with respect to, among other things, earnings growth, returns on equity, portfolio performance, the sufficiency of available capital, delinquency and charge-off rates and future financial and operating results. These statements are subject to certain risks and uncertainties that could cause actual results to differ materially from those included in the forward-looking statements. Please review our earnings release and the risk factors discussed in our SEC filings. The forward-looking statements speak only as of the date on which they are made, and except to the extent required by federal securities laws, the company disclaims any obligation to update any forward-looking statement. In addition, during this call, we may refer to certain non-GAAP financial measures. Please refer to our earnings release for important disclosures regarding such measures, including reconciliations to the most comparable GAAP financial measures. And with that, I'll turn the call over to Jeff. Jeffrey Howard: Thanks, Dan. Good afternoon, everyone, and thank you for joining us. Let me open by saying this month marks Atlanticus' 30th anniversary. Over that history, we have funded over $53 billion in receivables, raised over $20 billion in capital, and we have weathered numerous economic cycles, regulatory changes and competitive pressures. Most importantly, we have served over 23 million consumers and played a vital role in meeting their families' daily financial needs, often at times when others would not. What gives us the greatest sense of accomplishment, however, is the culture we have built and the many colleagues with whom we have had the privilege of working over the course of our careers. Together, through both our successes and the challenges from which we have learned, we have created a culture grounded in shared achievement and an uncompromising commitment to our purpose, empowering better financial outcomes for everyday Americans. It is our team and its collective experiences …
| Name | Title | Compensation | Gender | Year Born | Status |
|---|---|---|---|---|---|
David G. Hanna | Executive Chairman | USD 2,631,015 | Male | 1965 | Active |
Jeffrey A. Howard | President, Chief Executive Officer & Director | USD 1,860,500 | Male | 1970 | Active |
William R. McCamey | Chief Financial Officer | USD 1,510,500 | Male | 1969 | Active |
Brian Stone | Chief Data Science & Risk Officer | — | Male | — | Active |
David Caruso | Chief Commercial Officer | — | Male | — | Active |
Kas Naderi | Chief Information Officer & Senior Vice President of Technology Systems | — | Male | — | Active |
Matt Zalubowski | Senior Vice President of Marketing | — | Male | — | Active |
Mitchell C. Saunders | Chief Accounting Officer | — | Male | 1973 | Active |
Rosalind Drakeford | Managing Counsel, Chief Compliance Officer & Corporate Secretary | — | Female | — | Active |
Linda Brooks | Chief Technology Officer | — | Female | — | Active |
Atlanticus Holdings Corporation (NASDAQ: ATLC - Get Free Report) has received an average rating of "Moderate Buy" from the eight ratings firms that are currently covering the firm, MarketBeat reports. Two investment analysts have rated the stock with a hold rating, five have issued a buy rating and one has assigned a strong buy rating to
ATLANTA, Sept. 01, 2026 (GLOBE NEWSWIRE) -- Atlanticus Holdings Corporation (NASDAQ: ATLC) (“Atlanticus,” the “Company,” “we,” “our” or “us”), a financial technology company that enables its bank, retail and healthcare partners to offer more inclusive financial services to millions of everyday Americans, today announced that Jeff Howard, President and Chief Executive Officer, and Bill McCamey, Chief Financial Officer, will participate in the B. Riley Securities Consumer & TMT Conference in New York, NY on September 10, 2026.
Denali Advisors LLC purchased a new position in Atlanticus Holdings Corporation (NASDAQ: ATLC) in the second quarter, according to the company in its most recent 13F filing with the Securities and Exchange Commission (SEC). The institutional investor purchased 19,871 shares of the credit services provider's stock, valued at approximately $2,032,000. Denali Advisors LLC
ATLANTA, Aug. 13, 2026 (GLOBE NEWSWIRE) -- Atlanticus Holdings Corporation (NASDAQ: ATLC) (“Atlanticus,” the “Company,” “we,” “our” or “us”), a financial technology company that enables its bank, retail and healthcare partners to offer more inclusive financial services to millions of everyday Americans, today announced that its Board of Directors approved a quarterly dividend of $0.476563 per share to Series B Cumulative Perpetual Preferred shareholders. The cash dividend will be paid on or about September 15, 2026 to holders of record of Atlanticus' Series B Cumulative Perpetual Preferred Stock on the close of business on September 1, 2026.
ATLC's Q2 call highlights faster-than-planned Mercury integration, digital gains, stable credit and capital flexibility from high returns.
