ATLC / Nasdaq

Atlanticus Holdings Corp

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How recent is this information?

Last filing-list check: 17/10/2026 01:14:22

Financial figures downloaded: 17/10/2026 01:14:22

Latest quarter available: 2026-06-30 · Latest annual period: 2025-12-31

Latest financial filing listed: 10-Q · Filed on 2026-08-06 · Period end 2026-06-30

Check and download times use Bangkok time (UTC+7). Filing and period dates are dates reported by the source. A recent check does not mean new figures were published.

Choose the analysis period

TTM sums four consecutive quarters. It is not the latest quarter multiplied by four. Balance-sheet figures come from the latest period end.

THE REPORT IN PLAIN LANGUAGE

Understand this company in one minute

Financial figures are available, but the general screening model cannot assess this industry reliably.

Automatically prepared from the selected report and the published screening rules. It is not an expert review or a buy/sell recommendation.

Period end: 2026-06-30Screening input coverage: 80%Trailing 12 months (TTM)

What happened to sales?

Reported revenue rose 9.4% against the comparable year-earlier period. Growth in sales alone does not establish stronger profits or cash flow.

Revenue: 347.01USD million

Inspect the source figures →

Did profit turn into operating cash?

Both net income and operating cash were positive in this period. Operating cash alone does not cover every cash need, including investment and debt repayments.

Net income: 154.01Operating cash flow: 936.98USD million

Inspect the source figures →

How large are the obligations?

Total liabilities were 90.2% of total assets. Liabilities include more than interest-bearing debt, and an appropriate level depends on the business.

Total liabilities: 6,754.29Total assets: 7,491.77USD million

Inspect the source figures →

Screening inputs still unavailable: Short-term liquidity

Figures describe the selected reporting period. Input coverage is not forecast confidence, and neither this summary nor the score predicts a crisis year or bankruptcy probability.

How company analysis works ↗

See the financial direction

Read revenue, net income and operating cash over time. Tap or focus a point to inspect its date and value.

Trailing twelve-month totals (TTM)

Revenue

USD million

2026-06-30 · 347.01 USD million

Net income

USD million

2026-06-30 · 154.01 USD million

Operating cash flow

USD million

2026-06-30 · 936.98 USD million

View the exact values used in these charts

Period end	RevenueUSD million	Net incomeUSD million	Operating cash flowUSD million
2023-09-30	33.92	100.53	427.14
2023-12-31	37.35	102.85	459.32
2024-03-31	42.32	102.80	476.42
2024-06-30	48.27	101.99	483.97
2024-09-30	54.89	106.30	479.47
2024-12-31	204.71	111.30	469.41
2025-03-31	245.27	116.65	482.18
2025-06-30	317.22	122.94	499.23
2025-09-30	385.39	118.37	494.31
2025-12-31	309.58	122.20	637.96
2026-03-31	329.03	134.86	792.74
2026-06-30	347.01	154.01	936.98

Each chart has its own vertical scale, in USD million. Compare the numbers, not the heights across different charts. Lines break at missing values or unusually long reporting gaps. A single point does not establish a trend.

Explore the quarterly pattern

These are standalone quarter figures, separate from the annual or TTM totals above. Seasonal differences can be substantial.

Revenue

USD million

2026-06-30 · 103.71 USD million

Net income

USD million

2026-06-30 · 49.72 USD million

Operating cash flow

USD million

2026-06-30 · 276.93 USD million

View the exact values used in these charts

Period end	RevenueUSD million	Net incomeUSD million	Operating cash flowUSD million
2023-09-30	10.38	25.24	116.86
2023-12-31	12.21	26.30	132.67
2024-03-31	11.90	26.17	118.80
2024-06-30	13.79	24.28	115.64
2024-09-30	16.99	29.54	112.36
2024-12-31	162.04	31.30	122.60
2025-03-31	52.45	31.52	131.57
2025-06-30	85.73	30.57	132.69
2025-09-30	85.16	24.98	107.45
2025-12-31	86.23	35.13	266.25
2026-03-31	71.91	44.18	286.35
2026-06-30	103.71	49.72	276.93

Charts show available historical reports, not future forecasts. Filings may contain restatements or accounting changes; inspect the evidence before drawing conclusions.

FINANCIAL PRESSURE

This is a rule-based screening score from accounting ratios. It is not a probability, stock rating, or forecast of a crisis year.

—Not assessed

Not assessed

Lower scores mean lower pressure under these screening rules.

Analysis period: 2025-07-01 → 2026-06-30

Filed on: 2026-08-06 · TTM from quarterly filings

Weighted data coverage: 80%

Coverage is the sum of weights for available screening inputs. At least 80% and a known eligible industry are required for a score. Coverage is not forecast confidence.

Refreshed on: 2026-10-16 · Reported figures can lag current conditions.

Open the latest filing used ↗

Score withheld: Banks, insurers, and other financial or real-estate businesses need sector-specific models.

Revenue

Money earned from selling goods and services before expenses. It is not profit.

347.01USD million

Net income

Profit or loss after the expenses included in the annual statement. Accounting profit can differ from cash received.

154.01USD million

Operating cash flow

Cash generated or used by ordinary operations during the year. Negative values mean operations consumed cash.

936.98USD million

Cash and cash equivalents

Cash and cash equivalents at the selected period end. It does not include every investment or credit facility.

555.22USD million

What deserves attention

Current ratio
?
Current assets divided by current liabilities. A lower value can indicate tighter short-term liquidity, but business models differ.

Not available

Not enough data for this input

Liabilities to assets
?
Total liabilities divided by total assets. Liabilities include more than interest-bearing debt.

90.2%

This input adds substantial pressure

Net profit margin
?
Annual net income divided by annual revenue. A negative value means the company reported a net loss.

44.4%

This input adds relatively little pressure

Operating cash margin
?
Annual operating cash flow divided by annual revenue. It shows how sales translate into operating cash.

270.0%

This input adds relatively little pressure

Annual revenue growth
?
Revenue change against the previous consecutive annual period. Gaps in reporting are not treated as one-year growth.

9.4%

This input adds relatively little pressure

These signals describe the reported period; thresholds are screening assumptions and have not been validated as default probabilities.

If sales fall, what happens to cash?
?
This one-year sensitivity test subtracts the unoffset part of lost sales and extra interest from reported operating cash flow. It is not a full cash-flow forecast and has no assigned probability.

Change the assumptions to see the sensitivity. This is a hypothetical scenario, not a prediction.

This cash stress test is unavailable because the sector, data age, or necessary financial inputs are not suitable.

Annual track record

USD million. Each row comes from its own annual filing; later restatements may differ.

Period end	Revenue	Net income	Operating cash flow	Free cash flow proxy ? Operating cash flow minus reported purchases of property, plant, and equipment. Missing capital expenditure stays missing, not zero. This is a simplified measure.	Source
2025-12-31	309.58	122.20	637.96	Not available	10-K ↗
2024-12-31	204.71	111.30	469.41	Not available	10-K ↗
2023-12-31	37.35	102.85	459.32	Not available	10-K ↗
2022-12-31	42.80	135.60	346.13	Not available	10-K/A ↗
2021-12-31	30.61	177.90	212.37	Not available	10-K ↗
2020-12-31	15.43	94.12	212.73	211.99	10-K ↗

Connect this with the wider economy

The exchange is a starting point, not the company sales footprint. Revenue exposure by country is not yet available, so country scores are not automatically converted into company risk.

Explore the US economic context ↗

What this analysis cannot tell you yet

It does not identify a crisis year or assign a bankruptcy probability. Debt maturity schedules, geographic revenue exposure, current prices, and valuation are not yet included.

Inspect the numbers and evidence

Values below are in USD million and refer to the selected analysis period. Missing figures remain unavailable.

Source reports use technical accounting codes without spaces. Read the label here, or expand the original code to cross-check the filing. Display labels do not change the reported figures.

Financial item	Value	Source concept	Calculation and evidence
Revenue	347.01	Revenue from customers, including assessed tax Original source code `RevenueFromContractWithCustomerIncludingAssessedTax`	View calculation sources + 85.16 · 2025-07-01 → 2025-09-30 · Filed on 2025-11-10 ↗ + 309.58 · 2025-01-01 → 2025-12-31 · Filed on 2026-03-12 ↗ − 223.35 · 2025-01-01 → 2025-09-30 · Filed on 2025-11-10 ↗ + 71.91 · 2026-01-01 → 2026-03-31 · Filed on 2026-05-07 ↗ + 103.71 · 2026-04-01 → 2026-06-30 · Filed on 2026-08-06 ↗
Net income	154.01	Net income (loss) Original source code `NetIncomeLoss`	View calculation sources + 24.98 · 2025-07-01 → 2025-09-30 · Filed on 2025-11-10 ↗ + 122.20 · 2025-01-01 → 2025-12-31 · Filed on 2026-03-12 ↗ − 87.07 · 2025-01-01 → 2025-09-30 · Filed on 2025-11-10 ↗ + 44.18 · 2026-01-01 → 2026-03-31 · Filed on 2026-05-07 ↗ + 49.72 · 2026-04-01 → 2026-06-30 · Filed on 2026-08-06 ↗
Operating cash flow	936.98	Net cash from (used in) operating activities Original source code `NetCashProvidedByUsedInOperatingActivities`	View calculation sources + 371.71 · 2025-01-01 → 2025-09-30 · Filed on 2025-11-10 ↗ − 264.26 · 2025-01-01 → 2025-06-30 · Filed on 2025-08-07 ↗ + 637.96 · 2025-01-01 → 2025-12-31 · Filed on 2026-03-12 ↗ − 371.71 · 2025-01-01 → 2025-09-30 · Filed on 2025-11-10 ↗ + 286.35 · 2026-01-01 → 2026-03-31 · Filed on 2026-05-07 ↗ + 563.27 · 2026-01-01 → 2026-06-30 · Filed on 2026-08-06 ↗ − 286.35 · 2026-01-01 → 2026-03-31 · Filed on 2026-05-07 ↗
Capital expenditure	Not available	—	—
Total assets	7,491.77	Total assets Original source code `Assets`	View calculation sources + 7,491.77 · Period end → 2026-06-30 · Filed on 2026-08-06 ↗
Total liabilities	6,754.29	Total liabilities Original source code `Liabilities`	View calculation sources + 6,754.29 · Period end → 2026-06-30 · Filed on 2026-08-06 ↗
Shareholders equity	701.88	Stockholders’ equity Original source code `StockholdersEquity`	View calculation sources + 701.88 · Period end → 2026-06-30 · Filed on 2026-08-06 ↗
Current assets	Not available	—	—
Current liabilities	Not available	—	—
Cash and cash equivalents	555.22	Cash and cash equivalents at carrying value Original source code `CashAndCashEquivalentsAtCarryingValue`	View calculation sources + 555.22 · Period end → 2026-06-30 · Filed on 2026-08-06 ↗
Operating income	Not available	—	—
Interest expense	446.88	Interest expense Original source code `InterestExpense`	View calculation sources + 75.46 · 2025-07-01 → 2025-09-30 · Filed on 2025-11-10 ↗ + 301.90 · 2025-01-01 → 2025-12-31 · Filed on 2026-03-12 ↗ − 176.68 · 2025-01-01 → 2025-09-30 · Filed on 2025-11-10 ↗ + 122.76 · 2026-01-01 → 2026-03-31 · Filed on 2026-05-07 ↗ + 123.43 · 2026-04-01 → 2026-06-30 · Filed on 2026-08-06 ↗

Quarterly financial history

Each row is one quarter in USD million. Where necessary, cumulative cash flows are subtracted to obtain the standalone quarter.

Quarter period	Revenue	Net income	Operating cash flow	Calculation and evidence
2026-04-01 → 2026-06-30	103.71	49.72	276.93	View calculation sources Revenue: Reported quarter figure + 103.71 · 2026-04-01 → 2026-06-30 · Filed on 2026-08-06 ↗ Net income: Reported quarter figure + 49.72 · 2026-04-01 → 2026-06-30 · Filed on 2026-08-06 ↗ Operating cash flow: Difference of cumulative figures + 563.27 · 2026-01-01 → 2026-06-30 · Filed on 2026-08-06 ↗ − 286.35 · 2026-01-01 → 2026-03-31 · Filed on 2026-05-07 ↗
2026-01-01 → 2026-03-31	71.91	44.18	286.35	View calculation sources Revenue: Reported quarter figure + 71.91 · 2026-01-01 → 2026-03-31 · Filed on 2026-05-07 ↗ Net income: Reported quarter figure + 44.18 · 2026-01-01 → 2026-03-31 · Filed on 2026-05-07 ↗ Operating cash flow: Reported quarter figure + 286.35 · 2026-01-01 → 2026-03-31 · Filed on 2026-05-07 ↗
2025-10-01 → 2025-12-31	86.23	35.13	266.25	View calculation sources Revenue: Difference of cumulative figures + 309.58 · 2025-01-01 → 2025-12-31 · Filed on 2026-03-12 ↗ − 223.35 · 2025-01-01 → 2025-09-30 · Filed on 2025-11-10 ↗ Net income: Difference of cumulative figures + 122.20 · 2025-01-01 → 2025-12-31 · Filed on 2026-03-12 ↗ − 87.07 · 2025-01-01 → 2025-09-30 · Filed on 2025-11-10 ↗ Operating cash flow: Difference of cumulative figures + 637.96 · 2025-01-01 → 2025-12-31 · Filed on 2026-03-12 ↗ − 371.71 · 2025-01-01 → 2025-09-30 · Filed on 2025-11-10 ↗
2025-07-01 → 2025-09-30	85.16	24.98	107.45	View calculation sources Revenue: Reported quarter figure + 85.16 · 2025-07-01 → 2025-09-30 · Filed on 2025-11-10 ↗ Net income: Reported quarter figure + 24.98 · 2025-07-01 → 2025-09-30 · Filed on 2025-11-10 ↗ Operating cash flow: Difference of cumulative figures + 371.71 · 2025-01-01 → 2025-09-30 · Filed on 2025-11-10 ↗ − 264.26 · 2025-01-01 → 2025-06-30 · Filed on 2025-08-07 ↗
2025-04-01 → 2025-06-30	85.73	30.57	132.69	View calculation sources Revenue: Reported quarter figure + 85.73 · 2025-04-01 → 2025-06-30 · Filed on 2025-08-07 ↗ Net income: Reported quarter figure + 30.57 · 2025-04-01 → 2025-06-30 · Filed on 2025-08-07 ↗ Operating cash flow: Difference of cumulative figures + 264.26 · 2025-01-01 → 2025-06-30 · Filed on 2025-08-07 ↗ − 131.57 · 2025-01-01 → 2025-03-31 · Filed on 2025-05-08 ↗
2025-01-01 → 2025-03-31	52.45	31.52	131.57	View calculation sources Revenue: Reported quarter figure + 52.45 · 2025-01-01 → 2025-03-31 · Filed on 2025-05-08 ↗ Net income: Reported quarter figure + 31.52 · 2025-01-01 → 2025-03-31 · Filed on 2025-05-08 ↗ Operating cash flow: Reported quarter figure + 131.57 · 2025-01-01 → 2025-03-31 · Filed on 2025-05-08 ↗
2024-10-01 → 2024-12-31	162.04	31.30	122.60	View calculation sources Revenue: Difference of cumulative figures + 204.71 · 2024-01-01 → 2024-12-31 · Filed on 2025-03-13 ↗ − 42.67 · 2024-01-01 → 2024-09-30 · Filed on 2024-11-07 ↗ Net income: Difference of cumulative figures + 111.30 · 2024-01-01 → 2024-12-31 · Filed on 2025-03-13 ↗ − 79.99 · 2024-01-01 → 2024-09-30 · Filed on 2024-11-07 ↗ Operating cash flow: Difference of cumulative figures + 469.41 · 2024-01-01 → 2024-12-31 · Filed on 2025-03-13 ↗ − 346.80 · 2024-01-01 → 2024-09-30 · Filed on 2024-11-07 ↗
2024-07-01 → 2024-09-30	16.99	29.54	112.36	View calculation sources Revenue: Reported quarter figure + 16.99 · 2024-07-01 → 2024-09-30 · Filed on 2024-11-07 ↗ Net income: Reported quarter figure + 29.54 · 2024-07-01 → 2024-09-30 · Filed on 2024-11-07 ↗ Operating cash flow: Difference of cumulative figures + 346.80 · 2024-01-01 → 2024-09-30 · Filed on 2024-11-07 ↗ − 234.44 · 2024-01-01 → 2024-06-30 · Filed on 2024-08-08 ↗
2024-04-01 → 2024-06-30	13.79	24.28	115.64	View calculation sources Revenue: Reported quarter figure + 13.79 · 2024-04-01 → 2024-06-30 · Filed on 2024-08-08 ↗ Net income: Reported quarter figure + 24.28 · 2024-04-01 → 2024-06-30 · Filed on 2024-08-08 ↗ Operating cash flow: Difference of cumulative figures + 234.44 · 2024-01-01 → 2024-06-30 · Filed on 2024-08-08 ↗ − 118.80 · 2024-01-01 → 2024-03-31 · Filed on 2024-05-10 ↗
2024-01-01 → 2024-03-31	11.90	26.17	118.80	View calculation sources Revenue: Reported quarter figure + 11.90 · 2024-01-01 → 2024-03-31 · Filed on 2024-05-10 ↗ Net income: Reported quarter figure + 26.17 · 2024-01-01 → 2024-03-31 · Filed on 2024-05-10 ↗ Operating cash flow: Reported quarter figure + 118.80 · 2024-01-01 → 2024-03-31 · Filed on 2024-05-10 ↗
2023-10-01 → 2023-12-31	12.21	26.30	132.67	View calculation sources Revenue: Difference of cumulative figures + 37.35 · 2023-01-01 → 2023-12-31 · Filed on 2024-03-04 ↗ − 25.14 · 2023-01-01 → 2023-09-30 · Filed on 2023-11-09 ↗ Net income: Difference of cumulative figures + 102.85 · 2023-01-01 → 2023-12-31 · Filed on 2024-03-04 ↗ − 76.54 · 2023-01-01 → 2023-09-30 · Filed on 2023-11-09 ↗ Operating cash flow: Difference of cumulative figures + 459.32 · 2023-01-01 → 2023-12-31 · Filed on 2024-03-04 ↗ − 326.65 · 2023-01-01 → 2023-09-30 · Filed on 2023-11-09 ↗
2023-07-01 → 2023-09-30	10.38	25.24	116.86	View calculation sources Revenue: Reported quarter figure + 10.38 · 2023-07-01 → 2023-09-30 · Filed on 2023-11-09 ↗ Net income: Reported quarter figure + 25.24 · 2023-07-01 → 2023-09-30 · Filed on 2023-11-09 ↗ Operating cash flow: Difference of cumulative figures + 326.65 · 2023-01-01 → 2023-09-30 · Filed on 2023-11-09 ↗ − 209.79 · 2023-01-01 → 2023-06-30 · Filed on 2023-08-09 ↗

Atlanticus Holdings Corp

How recent is this information?

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Understand this company in one minute

What happened to sales?

Did profit turn into operating cash?

How large are the obligations?

See the financial direction

Revenue

Net income

Operating cash flow

Revenue

Net income

Operating cash flow

Not assessed

What deserves attention

Current ratio ?Current assets divided by current liabilities. A lower value can indicate tighter short-term liquidity, but business models differ.

Liabilities to assets ?Total liabilities divided by total assets. Liabilities include more than interest-bearing debt.

Net profit margin ?Annual net income divided by annual revenue. A negative value means the company reported a net loss.

Operating cash margin ?Annual operating cash flow divided by annual revenue. It shows how sales translate into operating cash.

Annual revenue growth ?Revenue change against the previous consecutive annual period. Gaps in reporting are not treated as one-year growth.

If sales fall, what happens to cash? ?This one-year sensitivity test subtracts the unoffset part of lost sales and extra interest from reported operating cash flow. It is not a full cash-flow forecast and has no assigned probability.

Annual track record

Connect this with the wider economy

What this analysis cannot tell you yet

Quarterly financial history

Current ratio
?
Current assets divided by current liabilities. A lower value can indicate tighter short-term liquidity, but business models differ.

Liabilities to assets
?
Total liabilities divided by total assets. Liabilities include more than interest-bearing debt.

Net profit margin
?
Annual net income divided by annual revenue. A negative value means the company reported a net loss.

Operating cash margin
?
Annual operating cash flow divided by annual revenue. It shows how sales translate into operating cash.

Annual revenue growth
?
Revenue change against the previous consecutive annual period. Gaps in reporting are not treated as one-year growth.

If sales fall, what happens to cash?
?
This one-year sensitivity test subtracts the unoffset part of lost sales and extra interest from reported operating cash flow. It is not a full cash-flow forecast and has no assigned probability.