Growth & profitability
- Revenue has grown 28.4% per year over the past 5 years.
- Net income has grown slower than revenue (5.1% vs 28.4% per year).
ATLCZ Financials Atlanticus Holdings Corp
15 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →
RevenueNet income
GrossOperatingNet
Free cash flow
CashTotal debt
OperatingInvestingFinancing
Key annual figures
| FY | Revenue | Net income | Gross M | Op M | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|
| 2025 | $2.0B | $121M | 91.8% | 0.0% | — | — | $621M |
| 2024 | $1.3B | $110M | 91.0% | 0.0% | — | — | $375M |
| 2023 | $1.2B | $102M | 91.3% | 0.0% | — | — | $339M |
| 2022 | $1.0B | $135M | 90.9% | 0.0% | — | — | — |
| 2021 | $748M | $178M | 89.9% | 0.0% | — | — | — |
| 2020 | $563M | $94M | 88.8% | 0.0% | $212M | — | — |
| 2019 | $455M | $26M | 89.1% | 0.0% | $100M | — | — |
| 2018 | — | $8M | — | — | $41M | — | — |
| 2017 | — | -$41M | — | — | -$27M | — | $71M |
| 2016 | — | -$6M | — | — | $39M | — | $93M |
| 2015 | — | $2M | — | — | -$20000 | — | $51M |
| 2014 | — | $7M | — | — | -$25M | — | $40M |
| 2013 | — | -$18M | — | — | -$30M | — | $51M |
| 2013 | — | $33M | — | — | — | — | $60M |
| 2012 | — | $24M | — | — | $798000 | — | $68M |
RevenueNet income
GrossOperatingNet
Free cash flow
CashTotal debt
OperatingInvestingFinancing
Key quarterly figures
| Quarter | Revenue | Net income | Gross M | Op M | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|
| Mar '26 | $680M | $44M | 93.4% | 0.0% | — | — | $651M |
| Dec '25 | $734M | $35M | 92.4% | 0.0% | — | — | $621M |
| Sep '25 | $495M | $25M | 92.1% | 0.0% | — | — | $425M |
| Jun '25 | $394M | $31M | 91.4% | 0.0% | — | — | $329M |
| Mar '25 | $345M | $32M | 90.7% | 0.0% | — | — | $350M |
| Dec '24 | $353M | $31M | 89.9% | 0.0% | — | — | $375M |
| Sep '24 | $351M | $30M | 92.0% | 0.0% | — | — | $309M |
| Jun '24 | $316M | $24M | 91.2% | 0.0% | — | — | $351M |
| Mar '24 | $291M | $26M | 90.8% | 0.0% | — | — | $445M |
| Dec '23 | $309M | $26M | 91.4% | 0.0% | — | — | $339M |
| Sep '23 | $295M | $25M | 91.2% | 0.0% | — | — | $356M |
| Jun '23 | $291M | $25M | 91.8% | 0.0% | — | — | — |
| Mar '23 | $261M | $26M | 90.7% | 0.0% | — | — | — |
| Dec '22 | $269M | $24M | 91.1% | 0.0% | — | — | — |
| Sep '22 | $278M | $33M | 91.1% | 0.0% | — | — | — |
| Jun '22 | $270M | $34M | 91.1% | 0.0% | — | — | — |
| Mar '22 | $230M | $45M | 90.1% | 0.0% | — | — | — |
| Dec '21 | $217M | $50M | 90.5% | 0.0% | — | — | — |
| Sep '21 | $204M | $47M | 90.6% | 0.0% | — | — | — |
| Jun '21 | $182M | $37M | 90.0% | 0.0% | $72M | — | — |
Valuation over time
How the market has priced ATLCZ against its own fundamentals since 2024-01 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.
- The price-to-earnings ratio has fallen from 4.6× (Jan '24) to 4.1× (Jun '26).
- The price-to-sales ratio has fallen from 0.4× (Jan '24) to 0.2× (Jun '26).
P/E
P/S
Frequently asked questions
Is ATLCZ growing its revenue and profit?
Over the past 5 years, Atlanticus Holdings Corp's revenue has grown 28.4% per year, and net income grown 5.1% per year. These are computed facts, not advice.
How much debt does ATLCZ have?
As of FY2025, Atlanticus Holdings Corp reported — of total debt against $621M of cash.
What is ATLCZ's profit margin?
In FY2025, gross margin was 91.8%, operating margin —, and net margin 6.1%.
What is ATLCZ's P/E ratio?
As of Jun '26, Atlanticus Holdings Corp traded at a price-to-earnings ratio of about 4.1× (market cap ÷ latest annual net income). The valuation charts above show how its P/E, P/S have moved with the share price. These are computed facts, not advice.
Where does this data come from?
All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.
Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.