# Atlanticus Holdings Corp. (ATLC)

**Exchange:** NASDAQ  
**Sector:** Financial Services  
**Market cap:** $1.70B  
**Price:** $88.59 (-0.21%)

> Atlanticus Holdings Corp. is a financial technology company that provides products and services to lenders in the United States. It operates primarily through two segments: Credit as a Service (CaaS) and Auto Finance. The CaaS segment delivers private label credit products under brands like Fortiva for consumer electronics, furniture, elective medical procedures, and home-improvement, as well as healthcare-focused offerings under the Curae brand through retail and healthcare partners. It also issues general-purpose credit cards under Aspire, Imagine, and Fortiva brands, originated via retail, direct mail, digital marketing, and third-party partnerships. The Auto Finance segment services loans secured by independent automotive dealers and finance companies in the buy-here, pay-here used car market. Atlanticus Holdings Corp. focuses on credit and related financial services for the financially underserved consumer credit market, enabling lenders to offer accessible financing solutions across diverse channels. Founded in 1996 and headquartered in Atlanta, Georgia, it plays a key role in the financial services sector by supporting underserved segments with innovative credit enablement.

## Income Statement (Annual, USD)

| Fiscal Year | Revenue | Gross Profit | Operating Income | Net Income | EPS (dil.) |
| --- | --- | --- | --- | --- | --- |
| 2025 | $1.97B | $1.81B | — | $122M | — |
| 2024 | $1.31B | $1.19B | — | $111M | — |
| 2023 | $1.16B | $1.06B | — | $103M | — |
| 2022 | $1.05B | $951M | — | $136M | — |
| 2021 | $748M | $673M | — | $178M | — |
| 2020 | $563M | $500M | — | $94M | — |
| 2019 | $455M | $406M | — | $26M | — |
| 2018 | $6M | -$32M | — | $8M | — |
| 2017 | $5M | -$26M | — | -$41M | — |
| 2016 | $89M | $58M | — | -$6M | — |
| 2015 | $70M | $33M | — | $2M | — |
| 2014 | $74M | $25M | — | $7M | — |
| 2013 | $70M | — | — | -$18M | — |
| 2012 | $87M | — | — | $24M | — |
| 2011 | $146M | — | — | $134M | — |

## Balance Sheet (Annual, USD)

| Fiscal Year | Total Assets | Total Liabilities | Equity | Cash | Long-term Debt |
| --- | --- | --- | --- | --- | --- |
| 2025 | $7.62B | $6.98B | $609M | $621M | — |
| 2024 | $3.27B | $2.69B | $493M | $375M | — |
| 2023 | $2.71B | $2.17B | $395M | $339M | — |
| 2022 | $2.39B | $1.92B | $326M | — | — |
| 2021 | $1.94B | $1.52B | $288M | — | — |
| 2020 | $1.21B | $991M | $77M | — | — |
| 2019 | $936M | $847M | $906,000 | — | — |
| 2018 | $583M | $605M | -$22M | — | — |
| 2017 | $426M | $462M | -$36M | $71M | — |
| 2016 | $363M | $357M | $6M | $93M | — |
| 2015 | $281M | $270M | $11M | $51M | — |
| 2014 | $268M | $261M | $7M | $40M | — |
| 2013 | $352M | $351M | $1M | $51M | — |
| 2012 | $380M | $361M | $19M | $68M | — |
| 2011 | $648M | $572M | $76M | $145M | — |

## Cash Flow (Annual, USD)

| Fiscal Year | Operating Cash Flow | CapEx | Free Cash Flow |
| --- | --- | --- | --- |
| 2025 | $638M | — | — |
| 2024 | $469M | — | — |
| 2023 | $459M | — | — |
| 2022 | $348M | — | — |
| 2021 | $212M | — | — |
| 2020 | $213M | $749,000 | $212M |
| 2019 | $100M | $250,000 | $100M |
| 2018 | $43M | $1M | $41M |
| 2017 | -$26M | $395,000 | -$27M |
| 2016 | $39M | $349,000 | $39M |
| 2015 | $864,000 | $884,000 | -$20,000 |
| 2014 | -$21M | $4M | -$25M |
| 2013 | -$27M | $3M | -$30M |
| 2012 | $3M | $2M | $798,000 |
| 2011 | $84M | $2M | $82M |

Source: [CompaniesByCap](https://companiesbycap.com/company/ATLC)