Atlanticus Holdings Corporation (ATLC) Earnings History
Steady Earner28 years of earnings data (1998–2025) · Positive but moderate multi-year EPS trajectory
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Atlanticus Holdings Corporation (ATLC) Earnings Overview
As of June 21, 2026, Atlanticus Holdings Corporation (ATLC) reported trailing twelve-month net income of $135M, reflecting +24.9% year-over-year growth. The company earned $7.03 per diluted share over the past four quarters, with a net profit margin of 17.3%.
Looking at the long-term picture, ATLC's 5-year EPS compound annual growth rate (CAGR) stands at +8.6%, showing solid earnings momentum. The company achieved its highest annual net income of $178M in fiscal 2021.
Atlanticus Holdings Corporation maintains industry-leading profitability with a gross margin of 56.3%, operating margin of 22.7%, and net margin of 17.3%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including CACC ($453M net income, 18.3% margin), OMF ($796M net income, 12.5% margin), ENVA ($327M net income, 9.8% margin), ATLC has room to improve margins relative to the peer group. Compare ATLC vs CACC →
ATLC Earnings vs Peers
Earnings metrics vs comparable public companies
ATLC Historical Earnings Data (1998–2025)
28 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $122M | +9.8% | $160M | $5.96 | 17.3% | 22.7% |
| 2024 | $111M | +8.2% | $139M | $4.77 | 24.2% | 30.2% |
| 2023 | $103M | -24.2% | $129M | $4.24 | 28.1% | 35.2% |
| 2022 | $136M | -23.8% | $149M | $5.83 | 36.2% | 39.9% |
| 2021 | $178M | +89.0% | $220M | $7.56 | 39.2% | 48.4% |
| 2020 | $94M | +255.9% | $114M | $3.95 | 24.0% | 29.2% |
| 2019 | $26M | +236.6% | $32M | $1.66 | 6.5% | 7.8% |
| 2018 | $8M | +119.3% | $3M | $0.56 | 4.1% | 1.8% |
| 2017 | -$41M | -543.7% | -$47M | $-2.93 | -40.6% | -47.1% |
| 2016 | -$6M | -469.8% | -$12M | $-0.45 | -8.3% | -16.3% |
| 2015 | $2M | -76.1% | $4M | $0.12 | 1.9% | 3.9% |
| 2014 | $7M | +140.5% | -$27M | $0.51 | 5.6% | -21.3% |
| 2013 | -$18M | -172.6% | -$23M | $-1.29 | -14.4% | -18.4% |
| 2012 | $24M | -81.8% | -$44M | $1.26 | 14.9% | -26.8% |
| 2011 | $134M | +237.4% | -$2M | $5.19 | 44.6% | -0.7% |
| 2010 | -$98M | +82.0% | -$108M | $-2.44 | -15.0% | -16.6% |
| 2009 | -$541M | -287.8% | -$745M | $-11.33 | - | - |
| 2008 | -$139M | -173.5% | -$202M | $-2.17 | -29.1% | -42.1% |
| 2007 | -$51M | -147.4% | -$42M | $-1.05 | -2.9% | -2.4% |
| 2006 | $107M | -37.3% | $168M | $2.14 | 8.0% | 12.6% |
| 2005 | $171M | +70.1% | $270M | $3.34 | 18.1% | 28.4% |
| 2004 | $101M | -17.3% | $157M | $1.93 | 18.0% | 28.1% |
| 2003 | $122M | +1973.2% | $189M | $2.34 | 26.4% | 41.0% |
| 2002 | $6M | +104.8% | $9M | $0.04 | 2.7% | 4.2% |
| 2001 | $3M | -96.5% | $4M | $0.06 | 1.9% | 2.9% |
| 2000 | $82M | +39.6% | $124M | $1.79 | 34.0% | 51.3% |
| 1999 | $59M | +132.3% | $93M | $1.61 | 39.7% | 62.7% |
| 1998 | $25M | - | $41M | $0.65 | 43.3% | 69.7% |
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ATLC — Frequently Asked Questions
Quick answers to the most common questions about buying ATLC stock.
What is ATLC earnings per share (EPS)?
ATLC trailing twelve-month (TTM) diluted EPS is $7.03, reflecting +24.9% year-over-year growth. The 5-year EPS CAGR is +8.6%. Complete EPS history from 1998 to 2025 is available in the table on this page.
What is Atlanticus Holdings Corporation's net income?
Atlanticus Holdings Corporation (ATLC) trailing twelve-month net income is $135M as of 2025. Earnings grew +24.9% year-over-year. Atlanticus Holdings Corporation has been profitable for 8 consecutive years.
Is ATLC profitable?
Yes, ATLC is profitable with a TTM net income of $135M and a net profit margin of +17.3%. Atlanticus Holdings Corporation has generated profits for 8 consecutive years.
What is ATLC's earnings growth rate?
ATLC compound annual EPS growth rates (CAGR): 1-Year: +24.9%, 3-Year: +0.7%, 5-Year: +8.6%, 10-Year: +47.8%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1998 to 2025.
What are ATLC's profit margins?
Atlanticus Holdings Corporation net profit margin is +17.3%, operating margin is +22.7%, and gross margin is +56.3%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +22.4%.
Is ATLC growing earnings?
Yes, ATLC earnings are accelerating — EPS growth of +24.9% exceeds the 5-year CAGR of +8.6%. TTM net income reached $135M. Earnings momentum is strengthening.
What was ATLC's best earnings year?
Atlanticus Holdings Corporation's highest annual net income on record is $178M, achieved in fiscal year 2021. Earnings history on this page spans 1998 to 2025 and includes all annual and quarterly figures.
What were ATLC's earnings last quarter?
ATLC's most recent reported quarter was Q1 2026. Net income was $44M with diluted EPS of $2.23. For a full breakdown of all quarters, see the quarterly earnings table on this page.