Last 47 quarters of trend data · Financial Services · Financial - Credit Services
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Atlanticus Holdings Corporation's quarterly P/E stands at 12.4x, up 79.7% year-over-year — indicating the stock has re-rated higher or earnings have softened. EV/EBITDA has expanded 180.6% YoY to 48.3x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 10.97 | 12.41 | 9.06 | 8.58 | 9.82 | 6.91 | 7.12 | 6.79 | 8.79 | 7.36 | 7.96 | 6.46 | 6.68 |
| — | +79.7% | +27.4% | +26.5% | +11.7% | -6.1% | -10.6% | +5.1% | +31.5% | +54.8% | +29.4% | -3.7% | -10.4% | |
| P/S Ratio | 0.60 | 0.57 | 0.67 | 0.70 | 0.75 | 0.47 | 0.42 | 0.48 | 0.58 | 0.49 | 0.68 | 0.49 | 0.45 |
| — | +21.0% | +58.9% | +47.3% | +27.8% | -3.4% | -38.8% | -3.4% | +28.8% | +8.3% | +7.9% | -56.4% | -73.5% | |
| P/B Ratio | 2.01 | 1.92 | 1.88 | 1.83 | 2.16 | 1.45 | 0.93 | 1.34 | 1.84 | 1.53 | 2.20 | 1.49 | 1.50 |
| — | +32.4% | +102.5% | +36.6% | +17.2% | -5.1% | -57.9% | -10.3% | +22.6% | -6.1% | -7.0% | -60.7% | -70.9% | |
| P/FCF | 1.69 | 2.62 | 2.01 | 1.88 | 2.18 | 1.47 | 1.15 | 1.17 | 1.36 | 1.23 | 1.86 | 1.30 | 1.26 |
| — | +78.4% | +75.5% | +61.1% | +60.1% | +19.4% | -38.4% | -10.4% | +8.2% | -9.2% | -22.5% | -59.6% | -75.4% | |
| EV / EBITDA | 20.32 | 48.33 | 21.03 | 18.35 | 19.30 | 17.22 | 18.60 | 16.07 | 18.85 | 16.52 | 17.37 | 13.63 | 15.73 |
| — | +180.6% | +13.1% | +14.1% | +2.4% | +4.3% | +7.0% | +17.9% | +19.8% | +42.6% | +56.0% | +3.7% | +63.3% | |
| EV / EBIT | 21.08 | 52.03 | 21.92 | 19.07 | 19.98 | 17.81 | 19.41 | 16.69 | 19.62 | 17.09 | 17.84 | 13.97 | 16.13 |
| — | +192.1% | +12.9% | +14.3% | +1.8% | +4.3% | +8.8% | +19.4% | +21.7% | +44.9% | +54.7% | +1.1% | +62.2% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Atlanticus Holdings Corporation's operating margin was 6.6% in Q3 2025, down 3.6 pp QoQ and down 4.1 pp YoY. This marks the 3rd consecutive quarter of margin compression, signaling a persistent pressure on profitability that investors should monitor. The trailing four-quarter average of 10.0% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 21.6% | 20.6% | 22.4% | 24.9% | 23.1% | 20.6% | 19.7% | 22.9% | 21.1% | 21.2% | 22.2% | 23.7% | 21.7% |
| — | -0.0% | +13.4% | +8.7% | +9.5% | -2.7% | -11.2% | -3.3% | -2.8% | -13.1% | -25.3% | -35.8% | -50.6% | |
| Operating Margin | 10.6% | 6.6% | 10.2% | 11.8% | 11.3% | 10.6% | 9.1% | 11.3% | 9.9% | 10.8% | 11.0% | 13.1% | 11.1% |
| — | -38.2% | +12.5% | +4.9% | +13.5% | -1.4% | -17.8% | -13.5% | -10.2% | -23.9% | -30.1% | -20.3% | -61.8% | |
| Net Margin | 8.5% | 5.0% | 7.8% | 9.1% | 8.9% | 8.4% | 7.7% | 9.0% | 8.5% | 8.6% | 8.6% | 10.0% | 8.9% |
| — | -40.0% | +1.0% | +1.4% | +4.1% | -1.7% | -10.9% | -10.3% | -4.5% | -27.0% | -31.5% | -48.7% | -61.2% |
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 25.2% | 4.4% | 5.6% | 6.2% | 6.6% | 5.8% | 4.9% | 6.5% | 6.9% | 6.9% | 7.1% | 7.8% | 7.6% |
| — | -24.2% | +13.9% | -4.7% | -3.3% | -16.0% | -30.6% | -17.0% | -9.8% | -37.3% | -41.3% | -51.2% | -58.2% | |
| ROA | 3.7% | 0.5% | 0.9% | 1.0% | 1.0% | 1.0% | 0.9% | 1.0% | 1.0% | 1.0% | 1.0% | 1.1% | 1.0% |
| — | -53.7% | +2.4% | +1.1% | +0.0% | +0.6% | -16.9% | -13.4% | -4.1% | -33.0% | -38.4% | -52.7% | -64.5% | |
| ROIC | 3.8% | 0.5% | 0.9% | 1.0% | 1.0% | 1.0% | 0.8% | 1.0% | 1.0% | 1.1% | 1.1% | 1.2% | 1.1% |
| — | -52.7% | +13.5% | +1.6% | +7.1% | -2.3% | -25.3% | -16.4% | -9.7% | -30.4% | -37.8% | -27.8% | -66.1% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Atlanticus Holdings Corporation's Debt/EBITDA ratio is 173.3x, up from 66.9x last quarter — elevated, raising questions about debt serviceability. The current ratio has weakened 67.6% YoY to 1.68x, tightening the short-term liquidity position. Debt/Equity has risen for 3 consecutive quarters, indicating increasing financial leverage that investors should watch closely.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 5.12 | 10.36 | 5.00 | 4.72 | 5.12 | 5.07 | 3.67 | 5.04 | 5.16 | 5.21 | 5.06 | 5.16 | 5.59 |
| — | +104.3% | +36.3% | -6.2% | -0.9% | -2.7% | -27.5% | -2.4% | -7.7% | -6.5% | -8.0% | -0.3% | +12.7% | |
| Debt / EBITDA | 17.43 | 173.32 | 66.89 | 58.83 | 60.70 | 59.79 | 70.28 | 61.09 | 63.40 | 59.45 | 55.69 | 50.96 | 59.53 |
| — | +189.9% | -4.8% | -3.7% | -4.2% | +0.6% | +26.2% | +19.9% | +6.5% | +39.3% | +53.9% | +42.5% | +171.2% | |
| Current Ratio | 5.21 | 1.68 | 2.92 | 4.32 | 5.21 | 5.18 | 0.20 | 7.52 | 5.51 | 7.38 | 7.76 | 9.95 | 9.30 |
| — | -67.6% | +1331.7% | -42.5% | -5.4% | -29.8% | -97.4% | -24.4% | -40.8% | -16.0% | +5.9% | +29.2% | -7.5% | |
| Quick Ratio | 5.21 | 1.68 | 2.92 | 4.32 | 5.21 | 5.18 | 0.20 | 7.52 | 5.51 | 7.38 | 7.76 | 9.95 | 9.30 |
| — | -67.6% | +1331.7% | -42.5% | -5.4% | -29.8% | -97.4% | -24.4% | -40.8% | -16.0% | +5.9% | +29.2% | -7.5% | |
| Interest Coverage | 0.87 | 0.43 | 0.75 | 0.86 | 0.89 | 0.88 | 0.75 | 0.94 | 0.94 | 1.12 | 1.32 | 1.41 | 1.24 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Start ComparisonAtlanticus Holdings Corporation's current P/E is 11.0x. The average P/E over the last 4 quarters is 10.0x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Atlanticus Holdings Corporation's current operating margin is 10.6%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Atlanticus Holdings Corporation's business trajectory between earnings reports.