Atlanticus Holdings Corporation (ATLC) Earnings History
Annual and quarterly earnings data from 1998 to 2024
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EPS Growth Rates (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.
Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2024 | 21.6% | 10.6% | 8.5% |
| 2023 | 22.0% | 11.1% | 8.9% |
| 2022 | 27.8% | 14.3% | 13.0% |
| 2021 | 48.6% | 29.4% | 23.8% |
| 2020 | 35.1% | 20.3% | 16.7% |
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Atlanticus Holdings Corporation (ATLC) Earnings Overview
As of March 1, 2026, Atlanticus Holdings Corporation (ATLC) reported trailing twelve-month net income of $118M, reflecting +0.1% year-over-year growth. The company earned $6.17 per diluted share over the past four quarters, with a net profit margin of 0.1%.
Looking at the long-term picture, ATLC's 5-year EPS compound annual growth rate (CAGR) stands at +23.5%, indicating exceptional earnings growth. The company achieved its highest annual net income of $178M in fiscal 2021.
Atlanticus Holdings Corporation maintains positive profitability with a gross margin of 0.2%, operating margin of 0.1%, and net margin of 0.1%. The company continues to generate positive earnings from operations. View revenue history →
Compared to industry peers including COF ($1.42B net income, 0.1% margin), SYF ($3.58B net income, 0.2% margin), SYF-PB ($3.58B net income, 0.2% margin), ATLC has room to improve margins relative to the peer group. Compare ATLC vs COF →
Peer Comparison
Earnings metrics vs industry competitors
Historical Data
27 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2024 | $111M | +8.2% | $139M | $4.77 | 8.5% | 10.6% |
| 2023 | $103M | -24.2% | $129M | $4.24 | 8.9% | 11.1% |
| 2022 | $136M | -23.8% | $149M | $5.83 | 13.0% | 14.3% |
| 2021 | $178M | +89.0% | $220M | $7.56 | 23.8% | 29.4% |
| 2020 | $94M | +255.9% | $114M | $3.95 | 16.7% | 20.3% |
| 2019 | $26M | +236.6% | $32M | $1.66 | 5.8% | 7.0% |
| 2018 | $8M | +119.3% | $3M | $0.56 | 3.4% | 1.5% |
| 2017 | -$41M | -543.7% | -$47M | $-2.93 | -29.6% | -34.2% |
| 2016 | -$6M | -469.8% | -$12M | $-0.45 | -5.0% | -9.7% |
| 2015 | $2M | -76.1% | $4M | $0.12 | 1.1% | 2.2% |
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Start ComparisonFrequently Asked Questions
Is ATLC growing earnings?
ATLC EPS of $6.17 reflects slowing growth at +0.1%, below the 5-year CAGR of +23.5%. TTM net income is $118M. Expansion rate has moderated.
What are ATLC's profit margins?
Atlanticus Holdings Corporation net margin is +0.1%, with operating margin at +0.1%. Below-average margins reflect competitive or cost pressures.
How consistent are ATLC's earnings?
ATLC earnings data spans 1998-2024. The current earnings trend is +0.1% YoY. Historical data enables comparison across business cycles.