NASDAQ · Financial - Credit Services

ATLC (ATLC) Stock

$88.43 -2.25% NASDAQ: ATLC Financial Services

Valuation

MetricValue
Price$88.43
Market Cap$1.34B
P/E Ratio11.73
P/B Ratio2.20
P/S Ratio1.14
EPS (TTM)$0.00
52-Week High$112.06
52-Week Low$45.74
Dividend Yield0.00%

Financials & Margins

MetricValue
ROE21.40%
ROA2.50%
ROCE26.49%
Gross Margin75.06%
Operating Margin24.05%
Net Margin10.79%
Debt/Equity9.23
Current Ratio1.76

Annual Financials (USD)

Metric20212022202320242025
Revenue$454.0M$374.0M$366.0M$460.0M$704.0M
Operating Profit$220.0M$149.0M$129.0M$139.0M$160.0M
Net Profit$178.0M$136.0M$103.0M$111.0M$122.0M
EPS$7.56$5.83$4.24$4.77$5.96
Op Margin48.4%39.9%35.2%30.1%22.7%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$1.9B$2.4B$2.7B$3.3B$7.6B
Total Liabilities$1.7B$2.1B$2.3B$2.8B$7.0B
Cash$410.0M$385.0M$339.0M$375.0M$621.0M
Borrowings$1.4B$1.8B$2.0B$2.5B$6.5B

Latest News

Here's Why Atlanticus' Scalable Platform Support Long-Term Growth Zacks · Jul 9, 2026 Is Atlanticus Stock Still Worth Buying After a 71% Rally in a Year? Zacks · Jul 8, 2026 5 Reasons to Add Dave Stock to Your Portfolio Right Now Zacks · Jul 3, 2026 Atlanticus CFO Unloads $1 Million in Shares. Should You Sell ATLC Too? Motley Fool · Jul 3, 2026 Fast-paced Momentum Stock Atlanticus (ATLC) Is Still Trading at a Bargain Zacks · Jul 2, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$212.0M$346.0M$459.0M$469.0M$638.0M
Investing Cash Flow$-482.0M$-686.0M$-676.0M$-749.0M$-1.5B
Financing Cash Flow$-23.0M$-85.0M$-14.0M$-52.0M$-69.0M
Net Cash Flow$248.0M$-73.0M$-50.0M$116.0M$268.0M
Free Cash Flow$205.0M$341.0M$455.0M$468.0M$633.0M

Valuation & Return Ratios

MetricValue
PEG Ratio-0.10
EV / EBITDA43.25
FCF Yield55.24%
Quick Ratio10.25
Interest Coverage0.53
Return 1Y80.65%
Return 3Y133.16%
Return 5Y125.05%

Ownership

Insiders Held64.53%
Institutions Held24.89%
Institutions Float Held70.17%
Institutional HolderSharesReport Date
Wellington Management Group, LLP754,9582026-03-31
Dimensional Fund Advisors LP522,5452026-03-31
Blackrock Inc.430,1672026-03-31
Vanguard Capital Management LLC235,2812026-03-31
American Century Companies Inc185,0912026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
BBDC $9.37 -0.79% 9.92 $980.58M 13.51%
EIG $48.81 -0.57% 100.40 $1.01B 2.81%
FMBH $49.65 -0.22% 11.14 $1.32B 2.35%
LXLexinFintech Holdings Ltd. $1.46 +1.39% 1.16 $246.25M 0.00%
NRDS $9.74 -1.47% 12.14 $708.73M 0.00%

About ATLC

ATLC is led by CEO Jeffrey A. Howard, employs 417 people, headquartered in US, publicly traded since 1999.

ATLC stock trades at $88.43 with a market capitalization of $1.34B. The stock is valued at a price-to-earnings (P/E) ratio of 11.73, price-to-book of 2.20, price-to-sales of 1.14. Over the past 52 weeks the stock has ranged between $45.74 and $112.06, and currently trades 21.1% below its 52-week high.

On profitability, ATLC generates a return on equity (ROE) of 21.40% — well above the market average, a sign of a high-quality business, return on capital employed of 26.49%, an operating margin of 24.05%, a net profit margin of 10.79%.

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