Last 48 quarters of trend data · Financial Services · Consumer Finance
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 7.82 | 4.49 | 10.22 | 5.88 | 9.56 | 12.41 | 9.06 | 8.58 | 9.82 | 6.91 | 7.12 | 6.79 | 8.79 | 7.36 | 7.96 | 6.46 | 6.68 | 4.75 | 6.15 | 6.71 | 7.46 |
| — | -63.8% | +12.8% | -31.5% | -2.6% | +79.7% | +27.4% | +26.5% | +11.7% | -6.1% | -10.6% | +5.1% | +31.5% | +54.8% | +29.4% | -3.7% | -10.4% | -29.8% | -3.4% | +69.0% | +53.9% | |
| P/S Ratio | 0.78 | 0.64 | 1.15 | 0.45 | 2.62 | 2.72 | 2.93 | 2.78 | 2.98 | 2.14 | 2.07 | 1.99 | 2.75 | 2.28 | 3.06 | 2.05 | 2.07 | 1.83 | 2.13 | 3.05 | 3.47 |
| — | -76.5% | -60.8% | -83.7% | -12.0% | +26.8% | +41.8% | +39.8% | +8.4% | -5.9% | -32.6% | -3.2% | +32.5% | +24.2% | +44.1% | -32.7% | -40.1% | -24.7% | -6.9% | +68.4% | +102.6% | |
| P/B Ratio | 2.90 | 1.98 | 2.66 | 1.47 | 2.13 | 1.80 | 1.88 | 1.83 | 2.16 | 1.45 | 0.93 | 1.34 | 1.84 | 1.53 | 2.20 | 1.49 | 1.50 | 1.63 | 2.37 | 3.80 | 5.17 |
| — | +10.3% | +41.6% | -19.6% | -1.5% | +23.9% | +102.5% | +36.6% | +17.2% | -5.1% | -57.9% | -10.3% | +22.6% | -6.1% | -7.0% | -60.7% | -70.9% | -61.4% | -38.6% | -29.5% | -23.2% | |
| P/FCF | 5.63 | — | 1.77 | 0.88 | 1.21 | 2.62 | 2.01 | 1.88 | 2.18 | 1.47 | 1.15 | 1.17 | 1.36 | 1.23 | 1.86 | 1.30 | 1.26 | 1.35 | 2.40 | 3.22 | 5.13 |
| — | — | -11.9% | -53.2% | -44.7% | +78.4% | +75.5% | +61.1% | +60.1% | +19.4% | -38.4% | -10.4% | +8.2% | -9.2% | -22.5% | -59.6% | -75.4% | -92.8% | -17.5% | +6.9% | +158.5% | |
| EV / EBITDA | 15.42 | 8.49 | 47.58 | 8.85 | 35.79 | 48.33 | 21.03 | 18.35 | 19.61 | 17.22 | 18.60 | 16.07 | 18.85 | 16.52 | 17.37 | 13.63 | 15.73 | 11.59 | 11.14 | 13.15 | 9.63 |
| — | -82.4% | +126.2% | -51.8% | +82.5% | +180.6% | +13.1% | +14.1% | +4.0% | +4.3% | +7.0% | +17.9% | +19.8% | +42.6% | +56.0% | +3.7% | +63.3% | +34.9% | +36.9% | +113.0% | +2.0% | |
| EV / EBIT | 45.71 | 7.58 | 56.91 | 9.03 | 38.98 | 52.03 | 21.92 | 19.07 | 19.98 | 17.81 | 19.41 | 16.69 | 19.62 | 17.09 | 17.84 | 13.97 | 16.13 | 11.79 | 11.53 | 13.82 | 9.94 |
| — | -85.4% | +159.7% | -52.7% | +95.1% | +192.1% | +12.9% | +14.3% | +1.8% | +4.3% | +8.8% | +19.4% | +21.7% | +44.9% | +54.7% | +1.1% | +62.2% | +40.4% | +39.0% | +120.3% | -1.0% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 98.5% | 54.1% | 122.5% | 112.7% | 98.2% | 98.5% | 98.5% | 98.8% | 92.1% | 94.0% | 97.3% | 95.8% | 99.1% | 99.1% | 99.5% | 98.9% | 99.1% | 99.4% | 99.8% | 99.8% | 88.8% |
| — | -45.0% | +24.4% | +14.1% | +6.6% | +4.8% | +1.2% | +3.1% | -7.1% | -5.2% | -2.3% | -3.1% | +0.0% | -0.3% | -0.3% | -1.0% | +11.5% | +8.2% | +13.6% | +4.8% | +25.2% | |
| Operating Margin | 39.7% | 29.5% | 7.8% | 32.6% | 37.7% | 31.4% | 44.8% | 46.9% | 44.9% | 48.5% | 44.6% | 47.1% | 46.7% | 50.5% | 49.3% | 54.4% | 50.6% | 57.8% | 52.8% | 44.2% | 58.7% |
| — | -6.1% | -82.5% | -30.5% | -16.1% | -35.2% | +0.4% | -0.5% | -3.7% | -4.0% | -9.5% | -13.4% | -7.7% | -12.6% | -6.7% | +23.0% | -13.8% | +13.4% | +2.8% | -25.2% | +40.9% | |
| Net Margin | 30.4% | 14.5% | 11.6% | 7.9% | 28.7% | 24.2% | 34.1% | 36.2% | 35.3% | 38.4% | 37.9% | 37.6% | 40.0% | 40.1% | 38.6% | 41.8% | 40.7% | 47.9% | 42.2% | 52.9% | 46.6% |
| — | -40.0% | -65.9% | -78.1% | -18.7% | -37.1% | -9.9% | -3.7% | -11.7% | -4.3% | -1.9% | -10.2% | -1.8% | -16.2% | -8.6% | -20.9% | -12.6% | +15.8% | +4.6% | +5.1% | +31.6% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 22.4% | 12.0% | 7.0% | 6.9% | 5.7% | 4.2% | 5.6% | 6.2% | 6.6% | 5.8% | 4.9% | 6.5% | 6.9% | 6.9% | 7.1% | 7.8% | 7.6% | 10.9% | 12.1% | 16.1% | 18.2% |
| — | +185.2% | +24.5% | +10.8% | -13.8% | -26.8% | +13.9% | -4.7% | -3.3% | -16.0% | -30.6% | -17.0% | -9.8% | -37.3% | -41.3% | -51.2% | -58.2% | -44.3% | -45.2% | -64.6% | -54.9% | |
| ROA | 2.2% | 1.2% | 0.7% | 0.6% | 0.5% | 0.5% | 0.9% | 1.0% | 1.0% | 1.0% | 0.9% | 1.0% | 1.0% | 1.0% | 1.0% | 1.1% | 1.0% | 1.5% | 1.7% | 2.3% | 2.9% |
| — | +167.9% | -24.8% | -39.2% | -51.8% | -53.7% | +2.4% | +1.1% | +0.0% | +0.6% | -16.9% | -13.4% | -4.1% | -33.0% | -38.4% | -52.7% | -64.5% | -53.9% | -40.1% | -36.4% | +22.9% | |
| ROIC | 2.4% | 2.1% | 0.4% | 1.9% | 0.5% | 0.5% | 0.9% | 1.0% | 1.0% | 1.0% | 0.8% | 1.0% | 1.0% | 1.1% | 1.1% | 1.2% | 1.1% | 1.5% | 1.8% | 1.7% | 3.2% |
| — | +339.9% | -62.2% | +88.7% | -51.8% | -52.9% | +13.5% | +1.6% | +7.1% | -2.3% | -25.3% | -16.4% | -9.7% | -30.4% | -37.8% | -27.8% | -66.1% | -56.9% | -44.4% | -57.6% | +24.2% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 10.84 | 6.81 | 8.54 | 9.29 | 10.84 | 9.70 | 5.00 | 4.72 | 5.12 | 5.07 | 3.67 | 5.04 | 5.16 | 5.21 | 5.06 | 5.16 | 5.59 | 5.58 | 5.51 | 5.18 | 4.96 |
| — | -29.8% | +70.6% | +96.6% | +111.7% | +91.2% | +36.3% | -6.2% | -0.9% | -2.7% | -27.5% | -2.4% | -7.7% | -6.5% | -8.0% | -0.3% | +12.7% | +45.4% | +20.6% | -29.7% | -58.9% | |
| Debt / EBITDA | 38.57 | 29.19 | 157.38 | 34.31 | 129.97 | 173.32 | 66.89 | 58.83 | 61.68 | 59.79 | 70.28 | 61.09 | 63.40 | 59.45 | 55.69 | 50.96 | 59.53 | 42.69 | 36.18 | 35.77 | 21.95 |
| — | -83.2% | +135.3% | -41.7% | +110.7% | +189.9% | -4.8% | -3.7% | -2.7% | +0.6% | +26.2% | +19.9% | +6.5% | +39.3% | +53.9% | +42.5% | +171.2% | +140.5% | +75.1% | +117.0% | -20.7% | |
| Current Ratio | 1.76 | 0.12 | 14.90 | 10.25 | 1.76 | 6.19 | 2.92 | 4.32 | 5.21 | 5.18 | 0.20 | 7.52 | 5.51 | 7.38 | 7.76 | 9.95 | 9.30 | 8.79 | 7.33 | 7.70 | 10.06 |
| — | -98.0% | +410.1% | +137.3% | -66.3% | +19.5% | +1331.7% | -42.5% | -5.4% | -29.8% | -97.4% | -24.4% | -40.8% | -16.0% | +5.9% | +29.2% | -7.5% | +87.3% | +2.4% | +48.6% | +117.2% | |
| Quick Ratio | 1.76 | 0.12 | 14.90 | 10.25 | 1.76 | 6.19 | 2.92 | 4.32 | 5.21 | 5.18 | 0.20 | 7.52 | 5.51 | 7.38 | 7.76 | 9.95 | 9.30 | 8.79 | 7.33 | 7.70 | 10.06 |
| — | -98.0% | +410.1% | +137.3% | -66.3% | +19.5% | +1331.7% | -42.5% | -5.4% | -29.8% | -97.4% | -24.4% | -40.8% | -16.0% | +5.9% | +29.2% | -7.5% | +87.3% | +2.4% | +48.6% | +117.2% | |
| Interest Coverage | 0.53 | 1.88 | 0.27 | 1.48 | 0.37 | 0.43 | 0.75 | 0.86 | 0.89 | 0.88 | 0.75 | 0.94 | 0.94 | 1.12 | 1.32 | 1.41 | 1.24 | 1.83 | 2.25 | 2.16 | 4.02 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying ATLC stock.
Atlanticus Holdings Corporation's current P/E is 7.8x. The average P/E over the last 4 quarters is 7.5x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Atlanticus Holdings Corporation's current operating margin is 39.7%. 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.