Loading…
MARKETS
TOOLS
LEARN
Equiscale · Syntellia LLC
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.
Rule-based from financial data. Not advice.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $403M | - | $122M | $633M | 20.1% | 34.5% | 9.8% |
| 2024 | $299M | - | $111M | $468M | 22.6% | 16.8% | 8.2% |
| 2023 | $256M | - | $103M | $455M | 26.1% | -12.4% | -24.2% |
| 2022 | $293M | - | $136M | $343M | 41.5% | - | - |
| 2021 |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 292.56 | 256.34 | 299.40 | 402.60 |
| Operating Revenue | - | 292.56 | 256.34 | 299.40 | 402.60 |
| Selling General And Administration | - | 105.47 | 96.33 | 106.33 | 182.84 |
| Interest Income | - | 786.24 | 879.12 | 979.81 | 1,403.65 |
| Interest Expense | - | 81.85 | 109.34 | 160.17 | 301.90 |
| Net Interest Income | - | 704.38 | 769.78 | 819.64 | 1,101.74 |
| Pretax Income | - | 149.27 | 128.56 | 138.58 | 159.71 |
| Tax Provision | - | 14.66 | 26.60 | 28.47 | 39.10 |
| Tax Rate For Calcs | - | 0 | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | - | 0 | 0 | 0 | 0 |
| Net Income Continuous Operations | - | 134.61 | 101.95 | 110.11 | 120.61 |
| Net Income From Continuing And Discontinued Operation | - | 135.60 | 102.84 | 111.30 | 122.20 |
| Net Income From Continuing Operation Net Minority Interest | - | 135.60 | 102.84 | 111.30 | 122.20 |
| Net Income | - | 135.60 | 102.84 | 111.30 | 122.20 |
| Net Income Common Stockholders | - | 110.52 | 77.65 | 87.37 | 111.80 |
| Net Income Including Noncontrolling Interests | - | 134.61 | 101.95 | 110.11 | 120.61 |
| Normalized Income | - | 135.60 | 102.84 | 111.30 | 122.20 |
| Diluted NI Availto Com Stockholders | - | 112.92 | 80.05 | 89.77 | 114.20 |
| Basic Average Shares | - | 14.63 | 14.50 | 14.75 | 15.11 |
| Diluted Average Shares | - | 19.38 | 18.88 | 18.80 | 19.18 |
| Reconciled Depreciation | - | 4.85 | 4.04 | 5.19 | 9.90 |
| Total Unusual Items | -29.44 | 0 | - | - | - |
| Total Unusual Items Excluding Goodwill | -29.44 | 0 | - | - | - |
| Preferred Stock Dividends | - | 25.08 | 25.20 | 23.93 | 10.41 |
| Minority Interests | - | 0.98 | 0.89 | 1.19 | 1.60 |
| Special Income Charges | -29.44 | 0 | - | - | - |
| Gain On Sale Of Security | -218.73 | - | - | - | - |
| Depreciation Amortization Depletion Income Statement | - | 2.17 | 2.56 | 2.72 | 5.81 |
| Depreciation And Amortization In Income Statement | - | 2.17 | 2.56 | 2.72 | 5.81 |
| General And Administrative Expense | - | 43.06 | 43.91 | 50.14 | 69.57 |
| Salaries And Wages | - | 43.06 | 43.91 | 50.14 | 69.57 |
| Selling And Marketing Expense | - | 62.40 | 52.42 | 56.19 | 113.26 |
| Average Dilution Earnings | - | 2.40 | 2.40 | 2.40 | 2.40 |
| Depreciation Income Statement | - | 2.17 | 2.56 | 2.72 | 5.81 |
| Other Non Interest Expense | - | 34.40 | 26.74 | 35.41 | 48 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Atlanticus Holdings Corporationthis co. | ATLC | $1.2B | 10.17↓ discount | 2.04 | 20.1% | - |
| Burke & Herbert Financial Services Corp. | BHRB | $1.3B | 10.93 | 1.52 | 13.9% | - |
| Goosehead Insurance, Inc. | GSHD | $1.3B | 32.20 | - | -41.5% | - |
| ProAssurance Corporation | PRA | $1.3B | 24.86 | 0.94 | 3.8% | - |
| Amalgamated Financial Corp. |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| AMAL |
| $1.3B |
| 12.12 |
| 1.59 |
| 13.1% |
| - |
| Peoples Bancorp Inc. | PEBO | $1.3B | 11.90 | 1.04 | 8.8% | - |
| Tompkins Financial Corporation | TMP | $1.2B | 7.74 | 1.33 | 17.2% | - |
| Community Trust Bancorp, Inc. | CTBI | $1.2B | 12.51 | 1.43 | 11.5% | - |
| OppFi Inc. | OPFI | $1.2B | 46.23 | 20.81 | 45.0% | 3.87 |
| Peer Median | - | 12.31 | 1.43 | 12.3% | 3.87 | |
Historically, Oct has averaged the highest return (+10.3%); Sep the lowest (-10.3%).
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -22.9%Negative MonthJan 2026: -22.88% | +1.3%Neutral MonthFeb 2026: +1.32% | +0.3%Neutral MonthMar 2026: +0.31% | +51.3%Positive MonthApr 2026: +51.34% | +8.6%Positive MonthMay 2026: +8.58% | +18.6%Positive MonthJun 2026: +18.59% | +3.2%Positive MonthJul 2026: +3.17% | -6.0%*Negative MonthAug 2026: -6.04% | — | — | — | — |
| 2025 | +6.6%Positive MonthJan 2025: +6.62% | -7.6%Negative MonthFeb 2025: -7.63% | -6.9%Negative MonthMar 2025: -6.88% | +7.2%Positive MonthApr 2025: +7.17% | -10.5%Negative MonthMay 2025: -10.53% | +11.6%Positive MonthJun 2025: +11.62% | -9.4%Negative MonthJul 2025: -9.35% | +34.4%Positive MonthAug 2025: +34.39% | -12.2%Negative MonthSep 2025: -12.17% | -5.9%Negative MonthOct 2025: -5.92% | +7.0%Positive MonthNov 2025: +6.97% | +13.6%Positive MonthDec 2025: +13.57% |
| 2024 | -10.3%Negative MonthJan 2024: -10.29% | -4.4%Negative MonthFeb 2024: -4.44% | -10.7%Negative MonthMar 2024: -10.74% | -10.6%Negative MonthApr 2024: -10.61% | -2.8%Negative MonthMay 2024: -2.84% | +9.6%Positive MonthJun 2024: +9.65% | +26.9%Positive MonthJul 2024: +26.93% | -1.2%Neutral MonthAug 2024: -1.17% | -0.8%Neutral MonthSep 2024: -0.76% | +6.0%Positive MonthOct 2024: +6.01% | +56.7%Positive MonthNov 2024: +56.66% | -4.3%Negative MonthDec 2024: -4.26% |
| 2023 | +24.0%Positive MonthJan 2023: +24.05% | -1.4%Neutral MonthFeb 2023: -1.38% | -15.4%Negative MonthMar 2023: -15.35% | +7.5%Positive MonthApr 2023: +7.48% | +19.9%Positive MonthMay 2023: +19.89% | +20.2%Positive MonthJun 2023: +20.17% | -3.1%Negative MonthJul 2023: -3.12% | -14.3%Negative MonthAug 2023: -14.25% | -13.2%Negative MonthSep 2023: -13.15% | -3.5%Negative MonthOct 2023: -3.46% | +5.5%Positive MonthNov 2023: +5.50% | +25.3%Positive MonthDec 2023: +25.27% |
| 2022 | -9.8%Negative MonthJan 2022: -9.83% | -17.2%Negative MonthFeb 2022: -17.17% | -2.8%Negative MonthMar 2022: -2.78% | -16.9%Negative MonthApr 2022: -16.90% | -9.6%Negative MonthMay 2022: -9.60% | -9.6%Negative MonthJun 2022: -9.61% | +9.9%Positive MonthJul 2022: +9.87% | -26.3%Negative MonthAug 2022: -26.32% | -7.9%Negative MonthSep 2022: -7.87% | +8.9%Positive MonthOct 2022: +8.88% | +0.8%Neutral MonthNov 2022: +0.84% | -9.0%Negative MonthDec 2022: -9.03% |
| 2021 | — | — | — | — | +26.7%Positive MonthMay 2021: +26.71% | +0.2%Neutral MonthJun 2021: +0.23% | +9.5%Positive MonthJul 2021: +9.52% | +47.7%Positive MonthAug 2021: +47.65% | -17.4%Negative MonthSep 2021: -17.35% | +46.0%Positive MonthOct 2021: +46.04% | -23.3%Negative MonthNov 2021: -23.31% | +20.0%Positive MonthDec 2021: +20.01% |
| Avg±SD |
Each cell is the percentage change in closing price from the end of the prior month to the end of this month. The bottom row shows the average return for that calendar month across the selected years, plus or minus one standard deviation — the range that historically contained roughly two-thirds of outcomes. Past monthly patterns are not a forecast of future returns.
This aggregates every month by calendar position — all Januaries together, all Februaries together, and so on — to show whether a given month has leaned positive or negative historically. ‘Simple’ counts each month as +1 or −1. ‘Weighted’ gives larger moves more influence: +2 above +10%, −2 below −10%. With only 6 years of history for this asset, each month’s score reflects a small number of observations — read it as a historical tendency, not a reliable seasonal pattern.
This tracks a running tally across the asset’s full price history: each month adds or subtracts based on whether it was positive or negative. A rising line means more positive months than negative so far; a flattening or falling line means recent months have leaned negative. This measures historical month-to-month consistency, not expected future performance.
Year-to-date return is calculated by dividing each day’s closing price by the price on January 1st of that year (or the asset’s first available price if it began trading mid-year). The custom average line shows the mean YTD return at each calendar day across the selected years. The standard deviation band shows the range within which returns have historically fallen — at 1 SD, roughly two-thirds of years; at 2 SD, roughly 95%. Past year-to-date patterns do not predict future returns. The average and standard deviation band are computed from the year set chosen in “Average from”, which is independent of which year lines are displayed. The current in-progress year is excluded from these calculations, since a partial year is not comparable to complete ones. Election-cycle groupings follow the US presidential calendar and are offered only for US and crypto assets.
