Last 48 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 5.9x, down 31.5% year-over-year — suggesting improving earnings relative to price.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 13.14 | 5.88 | 9.56 | 12.41 | 9.06 | 8.58 | 9.82 | 6.91 | 7.12 | 6.79 | 8.79 | 7.36 | 7.96 |
| — | -31.5% | -2.6% | +79.7% | +27.4% | +26.5% | +11.7% | -6.1% | -10.6% | +5.1% | +31.5% | +54.8% | +29.4% | |
| P/S Ratio | 1.66 | — | 1.30 | 1.57 | 1.83 | 1.80 | 1.98 | 1.38 | 1.30 | 1.32 | 1.84 | 1.57 | 2.23 |
| — | — | -34.5% | +13.8% | +41.2% | +36.0% | +7.8% | -12.1% | -41.9% | -10.7% | +24.6% | +12.8% | +29.7% | |
| P/B Ratio | 2.49 | — | 2.13 | 1.80 | 1.88 | 1.83 | 2.16 | 1.45 | 0.93 | 1.34 | 1.84 | 1.53 | 2.20 |
| — | — | -1.5% | +23.9% | +102.5% | +36.6% | +17.2% | -5.1% | -57.9% | -10.3% | +22.6% | -6.1% | -7.0% | |
| P/FCF | 1.85 | — | 1.22 | 2.62 | 2.01 | 1.88 | 2.18 | 1.47 | 1.15 | 1.17 | 1.36 | 1.23 | 1.86 |
| — | — | -44.2% | +78.4% | +75.5% | +61.1% | +60.1% | +19.4% | -38.4% | -10.4% | +8.2% | -9.2% | -22.5% | |
| EV / EBITDA | 41.80 | — | 35.79 | 48.33 | 21.03 | 18.35 | 19.30 | 17.22 | 18.60 | 16.07 | 18.85 | 16.52 | 17.37 |
| — | — | +85.4% | +180.6% | +13.1% | +14.1% | +2.4% | +4.3% | +7.0% | +17.9% | +19.8% | +42.6% | +56.0% | |
| EV / EBIT | 44.39 | — | 38.98 | 52.03 | 21.92 | 19.07 | 19.98 | 17.81 | 19.41 | 16.69 | 19.62 | 17.09 | 17.84 |
| — | — | +95.1% | +192.1% | +12.9% | +14.3% | +1.8% | +4.3% | +8.8% | +19.4% | +21.7% | +44.9% | +54.7% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Atlanticus Holdings Corporation's operating margin was 0.0% in Q1 2026, down 18.6 pp QoQ and down 30.3 pp YoY. The trailing four-quarter average of 16.2% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind. Gross margin expanded 49.9% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 56.3% | 95.8% | 48.5% | 56.9% | 61.6% | 63.9% | 61.2% | 60.5% | 61.1% | 63.7% | 66.2% | 68.4% | 72.5% |
| — | +49.9% | -20.7% | -6.0% | +0.8% | +0.3% | -7.6% | -11.5% | -15.7% | -10.7% | -5.9% | -9.5% | -10.3% | |
| Operating Margin | 22.7% | 0.0% | 18.7% | 18.2% | 28.0% | 30.3% | 29.9% | 31.2% | 28.0% | 31.3% | 31.2% | 34.8% | 35.9% |
| — | -100.0% | -37.6% | -41.8% | -0.0% | -3.2% | -4.2% | -10.3% | -21.9% | -20.1% | -13.1% | -20.7% | -16.1% | |
| Net Margin | 17.3% | 6.2% | 14.2% | 14.0% | 21.3% | 23.4% | 23.5% | 24.7% | 23.8% | 25.0% | 26.7% | 27.7% | 28.1% |
| — | -73.7% | -39.6% | -43.5% | -10.3% | -6.3% | -12.2% | -10.6% | -15.4% | -17.2% | -7.6% | -23.9% | -17.8% |
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 22.4% | 6.7% | 5.7% | 4.2% | 5.6% | 6.2% | 6.6% | 5.8% | 4.9% | 6.5% | 6.9% | 6.9% | 7.1% |
| — | +8.4% | -13.8% | -26.8% | +13.9% | -4.7% | -3.3% | -16.0% | -30.6% | -17.0% | -9.8% | -37.3% | -41.3% | |
| ROA | 2.2% | 0.6% | 0.5% | 0.5% | 0.9% | 1.0% | 1.0% | 1.0% | 0.9% | 1.0% | 1.0% | 1.0% | 1.0% |
| — | -42.4% | -51.8% | -53.7% | +2.4% | +1.1% | +0.0% | +0.6% | -16.9% | -13.4% | -4.1% | -33.0% | -38.4% | |
| ROIC | 2.4% | 0.0% | 0.5% | 0.5% | 0.9% | 1.0% | 1.0% | 1.0% | 0.8% | 1.0% | 1.0% | 1.1% | 1.1% |
| — | -99.9% | -51.8% | -52.9% | +13.5% | +1.6% | +7.1% | -2.3% | -25.3% | -16.4% | -9.7% | -30.4% | -37.8% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
The current ratio has weakened 96.8% YoY to 0.14x, tightening the short-term liquidity position.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 10.84 | 8.79 | 10.84 | 9.70 | 5.00 | 4.72 | 5.12 | 5.07 | 3.67 | 5.04 | 5.16 | 5.21 | 5.06 |
| — | +86.1% | +111.7% | +91.2% | +36.3% | -6.2% | -0.9% | -2.7% | -27.5% | -2.4% | -7.7% | -6.5% | -8.0% | |
| Debt / EBITDA | 38.57 | — | 129.97 | 173.32 | 66.89 | 58.83 | 60.70 | 59.79 | 70.28 | 61.09 | 63.40 | 59.45 | 55.69 |
| — | — | +114.1% | +189.9% | -4.8% | -3.7% | -4.2% | +0.6% | +26.2% | +19.9% | +6.5% | +39.3% | +53.9% | |
| Current Ratio | 1.76 | 0.14 | 1.76 | 6.19 | 2.92 | 4.32 | 5.21 | 5.18 | 0.20 | 7.52 | 5.51 | 7.38 | 7.76 |
| — | -96.8% | -66.3% | +19.5% | +1331.7% | -42.5% | -5.4% | -29.8% | -97.4% | -24.4% | -40.8% | -16.0% | +5.9% | |
| Quick Ratio | 1.76 | 0.14 | 1.76 | 6.19 | 2.92 | 4.32 | 5.21 | 5.18 | 0.20 | 7.52 | 5.51 | 7.38 | 7.76 |
| — | -96.8% | -66.3% | +19.5% | +1331.7% | -42.5% | -5.4% | -29.8% | -97.4% | -24.4% | -40.8% | -16.0% | +5.9% | |
| Interest Coverage | 0.53 | 0.00 | 0.37 | 0.43 | 0.75 | 0.86 | 0.89 | 0.88 | 0.75 | 0.94 | 0.94 | 1.12 | 1.32 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 48 years · Updated daily
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Atlanticus Holdings Corporation's current P/E is 13.1x. The average P/E over the last 4 quarters is 9.2x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Atlanticus Holdings Corporation's current operating margin is 22.7%. 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.