Atlanticus Holdings Corporation (ATLC)

Nasdaq: ATLC · Personal Credit Institutions · Atlanta, GA · filing with the SEC since 2009

Grade4.6

◀ Past 3.9● Present 4.7▶ Future 5.6

Overview Business Financials Grade Forecast Sentiment Ownership People Filings Patents Chart

Income statement, as filed

In thousands of US dollars (USD), as filed; per-share figures in US dollars; share counts in thousands. The fiscal year ends in December.

Income statement, by fiscal year, newest first
Fiscal year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Period ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018	Dec 31, 2017	Dec 31, 2016
Report filed	Mar 12, 2026	Mar 13, 2025	Mar 4, 2024	Mar 15, 2023	Mar 15, 2022	Mar 31, 2021	Mar 30, 2020	Mar 27, 2019	Apr 2, 2018	Mar 31, 2017
Revenue	309,576	204,714	160,853^r	42,798	30,606	15,431	13,754	5,556	5,273	·
For lenders
Interest and dividend income	1,968,360	1,309,955	1,155,246	1,046,104	743,855	560,007	343,611^r	161,168	114,707	88,622
Net interest income	·	·	·	·	·	·	210,488	124,272	87,007	68,415
Provision for credit losses	·	·	·	·	·	·	·	·	77,600	53,700
Net interest income after provision	·	·	·	·	·	·	32,355	53,377	33,144	·
Noninterest income	39	1,489	630	809	4,201	3,403	111,589^r	42,370	6,431	7,708
Noninterest expense	397,493	262,855	226,247	237,469	189,729	146,204	126,409	92,265	86,825	74,170
Cost of revenue	160,846	118,400	100,620	95,428	75,397	63,047	49,459	37,145	31,534	30,662
Interest expense	301,903	160,173	109,342	81,851	54,127	51,548	50,730	36,896	27,700	20,207
Share of profit of equity-method investments	·	·	·	0	16	456	1,001	581	1,158	2,150
Other income (expense), net	39	1,489	630	809	4,201	3,403^r	-13,196	-18,579	-18,449	-7,101
Total non-operating income (expense)	·	·	·	·	·	·	-474	103	-2,057	195
Income before income taxes	159,713	138,577	128,558	149,272	219,573	114,391	31,763	3,482	-47,250	-12,356
Income tax expense	39,104	28,471	26,604	14,660	41,784	20,474	5,553	-4,130	-6,378	-6,015
Net income including non-controlling interests	120,609	110,106	101,954	134,612	177,789	93,917	26,210	7,612	-40,872	-6,341
Net income to non-controlling interests	-1,595	-1,190	-891	-985	-113	-203	-233	-244	-91	-6
Net income	122,204	111,296	102,845	135,597	177,902	94,120	26,443	7,856	-40,781	-6,335
Preferred dividends	10,408	23,928	25,198	25,076	22,363	17,070	1,153	·	·	·
Net income to common shareholders	111,796	87,368	77,647	110,521	155,539	77,050	25,290	7,856	·	·
Earnings per share, basic	7.40	5.92	5.35	7.55	10.32	5.32	1.74	0.56	-2.93	-0.46
Earnings per share, diluted	5.96	4.77	4.24	5.83	7.56	3.95	1.66	0.56	-2.93	-0.46
Weighted average shares, basic	15,113	14,748	14,504	14,629	15,074	14,486	14,499	13,927	13,925	13,867
Weighted average shares, diluted	19,175	18,801	18,882	19,376	20,898	20,102	15,273	14,002	13,940	13,937

As filed with the SEC, each figure from the newest report that carries it, and linked to it. Nothing here is computed.A dot is a line not tagged for that period. ^r restated by the company in a later report; ^b a share figure put on the newest basis or filed in the wrong unit. Hover a figure for its filing and note.

What each line is, and the XBRL concept behind it

Revenue what customers paid for what it soldus-gaap:RevenueFromContractWithCustomerIncludingAssessedTax

Interest and dividend income what its loans and securities earnedus-gaap:InterestAndDividendIncomeOperating

Net interest income interest earned less interest paidus-gaap:InterestIncomeExpenseNet

Provision for credit losses set aside for loans that may not be repaidus-gaap:ProvisionForLoanLeaseAndOtherLosses

Net interest income after provision interest income left after the provisionus-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss

Noninterest income fees and other income that is not interestus-gaap:NoninterestIncome

Noninterest expense salaries, buildings and the other costs of running the bankus-gaap:NoninterestExpense

Cost of revenue what it cost to make or buy what it sold

us-gaap:CostOfGoodsAndServicesSold
us-gaap:CostOfServices

Interest expense what its borrowing costus-gaap:InterestExpense

Share of profit of equity-method investments its share of companies it partly ownsus-gaap:IncomeLossFromEquityMethodInvestments

Other income (expense), net gains and costs outside the businessus-gaap:OtherNonoperatingIncomeExpense

Total non-operating income (expense) everything outside the business, togetherus-gaap:NonoperatingIncomeExpense

Income before income taxes profit before tax

us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments

Income tax expense tax charged on the period's profitus-gaap:IncomeTaxExpenseBenefit

Net income including non-controlling interests the whole group's profit, minority holders' share includedus-gaap:ProfitLoss

Net income to non-controlling interests the share that belongs to minority holdersus-gaap:NetIncomeLossAttributableToNoncontrollingInterest

Net income the profit or loss that belongs to the company's shareholdersus-gaap:NetIncomeLoss

Preferred dividends paid to preferred holders before common shareholdersus-gaap:PreferredStockDividendsIncomeStatementImpact

Net income to common shareholders what is left for common shareholdersus-gaap:NetIncomeLossAvailableToCommonStockholdersBasic

Earnings per share, basic net income per share outstandingus-gaap:EarningsPerShareBasic

Earnings per share, diluted net income per share, counting every share that could be issuedus-gaap:EarningsPerShareDiluted

Weighted average shares, basic the average count of shares outstandingus-gaap:WeightedAverageNumberOfSharesOutstandingBasic

Weighted average shares, diluted the average count with every share that could be issuedus-gaap:WeightedAverageNumberOfDilutedSharesOutstanding

SI Assistanton ATLC · research, not advice