Atlanticus Holdings Corporation (ATLC) Earnings History
Annual and quarterly earnings data from 1998 to 2025
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ATLC EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
ATLC Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 56.3% | 22.7% | 17.3% |
| 2024 | 61.6% | 30.2% | 24.2% |
| 2023 | 69.5% | 35.2% | 28.1% |
| 2022 | 77.8% | 39.9% | 36.2% |
| 2021 | 80.0% | 48.4% | 39.2% |
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Atlanticus Holdings Corporation (ATLC) Earnings Overview
As of May 7, 2026, Atlanticus Holdings Corporation (ATLC) reported trailing twelve-month net income of $122M, reflecting +24.9% year-over-year growth. The company earned $6.37 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% |
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Start ComparisonATLC — Frequently Asked Questions
Quick answers to the most common questions about buying ATLC stock.
Is ATLC growing earnings?
ATLC EPS is $6.37, with earnings growth accelerating to +24.9%. This exceeds the 5-year CAGR of +8.6%. TTM net income reached $122M.
What are ATLC's profit margins?
Atlanticus Holdings Corporation net margin is +17.3%, with operating margin at +22.7%. Above-average margins indicate pricing power.
How consistent are ATLC's earnings?
ATLC earnings data spans 1998-2025. The accelerating earnings trend is +24.9% YoY. Historical data enables comparison across business cycles.