All three tenses have at least two readings, so the archetype blend applies as printed.
All nine metrics read as filed from the record.
What did they actually do?
Has it survived what it has been through?
3 warning events since 2017; the latest 2024-04-05.
From the record
Atlanticus Holdings Corporation's filings since 2017 show 3 warning events of 2 kinds: a notice about its exchange listing (8-K item 3.01, 2 times, the latest 2018-08-24); an auditor change (8-K item 4.01, the latest 2024-04-05) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+41.1% a year over 10 filed years; profitable in 8 of 10.
From the record
Atlanticus Holdings Corporation's 10 filed years say what it did: revenue went from $89 million in fiscal 2016 to $2.0 billion in fiscal 2025, up 41.1% a year; it rose in 9 of 9 years; it never fell from a peak; net income was positive in 8 of 10 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count shrank 0.3% a year. 9% of cash flow returned. Insiders: 12 sales, 0 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, Atlanticus Holdings Corporation's diluted share count shrank about 0.3% a year, and dividends and buybacks returned about 9% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 12 sales and 0 purchases of their own stock on the open market in the year to 2026-09-30 (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 20%: 20¢ of profit per shareholder dollar. Leverage 92%: owes 92¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, Atlanticus Holdings Corporation earned about 20 cents of profit for every dollar of shareholders' money, and gross profitability: its products earned about 24 cents per dollar of everything the company owns (revenue less the cost of revenue). Leverage: it owed about 92 cents per dollar of assets, and net share issuance: its share count grew 2.0% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
bottom 47% of 11 in its family; net margin 6.2%.
From the record
Atlanticus Holdings Corporation's standing among 11 graded names in its industry family: revenue of $2.0 billion in fiscal 2025 ranks in the bottom 41% by size; a net margin of 6.2% ranks in the bottom 14%; revenue growth of 23.4% a year over the last 3 filed years ranks in the top 14% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
top 23% of 11 in its family for leadership; chief executive since 2021.
From the record
Atlanticus Holdings Corporation's leadership, from its insiders' filings and its current reports: the chief executive on the record is Howard, Jeffrey A. (President & CEO, as filed), filing under that title since 2021-04-21, 5.6 years (bottom 41% of its family); the 12 officers and directors filing in the last fifteen months have been on the record a median of 12.7 years (top 5%); no officer or director change was reported on Form 8-K since 2023-11-13, against the 12 people in charge now (top 5%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
top 30% of 11 in its family for room to expand.
From the record
Atlanticus Holdings Corporation's room to grow, from the newest filed statements (fiscal 2025): cash of $621 million against no long-term debt tagged leaves 8.1% of its assets as net cash, top 5% of its family; cash from operations less capital spending is 32.4% of revenue (bottom 32%); a gross margin of 91.8% (top 17%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
top 40% of 11 in its family for growth drivers.
From the record
Atlanticus Holdings Corporation's growth drivers, from the filed years to fiscal 2025: revenue grew 23.4% a year over the last three filed years against 41.1% over all 10, slowing (bottom 14% of its family); the newest year grew 50.3% (top 5%); capital spending grew 23.8% a year (top 28%) (its annual reports). Atlanticus Holdings Corporation reported 2 lines of business in fiscal 2025: Credit and Other Investments at $1.9 billion (98%), Auto Finance at $40 million (2%); 1 of 2 grew against the year before (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
bottom 38% of 11 in its family for expectations against reality.
From the record
Atlanticus Holdings Corporation's newest year against its own record: revenue of $2.0 billion in fiscal 2025 came in 34.3% above the $1.5 billion its prior three years' pace pointed to (top 14% of its family); net income of $122 million against a prior three-year average of $117 million (bottom 14%); a net margin of 6.2% against 10.1% before (bottom 14%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made