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Atlanticus Holdings Corporation

ATLC

Financial Services · 92.95 +0.2% today

Isolated · not yet confirmedMarket checked 10 Sept, 15:55 GMT-4

Market read

Atlanticus Holdings Corporation's current read is isolated; its market group is not confirming.

No new filing conclusion is available. 0 of 37 group members are active now; 0 filing-linked outsiders are moving with the group, and 0 of 5 directly disclosed connections are confirming.

Company+0.2% todayVolume comparison unavailable
Market group0 of 37 activeHealthcare REITs & Services · unavailable
Disclosed network0 of 5 confirmingNo filing-linked name is confirming now
What would change this read
  • ATLC's market-adjusted activity becomes unusual and at least one connected name confirms.

Invalidation: The isolated read changes if ATLC's group or a disclosed connection begins moving with it.

Watch this read

Research brief

The story so far

Financial Services · Credit Services

No new filing conclusion is available. 0 of 37 group members are active now; 0 filing-linked outsiders are moving with the group, and 0 of 5 directly disclosed connections are confirming.

Evidence that supports

No thresholded supportive filing evidence is available yet.

Evidence that challenges

No thresholded adverse filing evidence is available yet.

What would clarify the read
  • ATLC's market-adjusted activity becomes unusual and at least one connected name confirms.

Company research

Understand the business, not just the ticker

As of Sep 11, 2026
Business model and earnings drivers

Use the company’s filings to identify the few operating, demand, cost, capital and regulatory variables that determine its earnings power.

Key research questions
  • Which operating variable is changing?
  • Is that change durable, cyclical or one-off?
  • What evidence would disprove the current interpretation?
Annual periods9
Price observations319
Usable filing statements109
Verified relationships5
Evidence supporting the case
  • Latest annual revenue changed +50.1% year over year.
  • Operating cash flow covered net income at 5.22x in the latest annual period.
Evidence challenging the case
  • Net margin changed -2.3 percentage points in the latest annual period.
Questions before a position
  • P/E is 53% below the available filing-peer median; determine whether growth and quality justify the difference.
  • EV/sales is 70% below the available filing-peer median; determine whether growth and quality justify the difference.
Longer-term price context

Price as of Sep 10, 2026

92.95
6m+77.7%12m+40.3%24m
Annual trajectory

Reported annual revenue and per-share history. This is accounting history, not a forecast.

PeriodRevenueYoYDiluted EPSShare change
2021-12-31$748.1M+32.8%$7.56+4.0%
2022-12-31$1.0B+40.0%$5.83-7.3%
2023-12-31$1.2B+10.4%$4.24-2.5%
2024-12-31$1.3B+13.5%$4.77-0.4%
2025-12-31$2.0B+50.1%$5.96+2.0%

What management says matters

Persistent and emerging business drivers

Credit and interest ratespositive · 2 filings
Variations in interest expense are due to new borrowings and increased costs of capital associated with growth in private label credit, general purpose credit card receivables, and CAR operations as evidenced within Note 9, "Notes Payable," to our condensed c…
10-Q · May 7, 2026
Macroeconomic conditionsmixed · 2 filings
When coupled with those existing assets negatively impacted by inflation gradually becoming a smaller percentage of the outstanding portfolio, we expect to see overall improvements in the measured fair value of our portfolios of acquired receivables.
10-Q · May 7, 2026

Valuation discipline

Descriptive valuation snapshot

Price/sales 0.9× · EV/sales 0.6×. Comparisons use only industry-matched filing peers.

Scenario scaffold

Scenarios are withheld for Financial Services until sector-specific earnings and capital metrics are available; generic revenue/P/S scaffolds would be misleading.

Price action

How the market is pricing the story

92.95+0.2% today

Jodie does not have enough daily observations to draw a useful short-term chart for this asset. The latest quoted price was checked 10 Sept, 15:55 GMT-4; this is a coverage limitation, not a flat-price conclusion.

Developments

No sourced recent-development timeline yet

Jodie has not returned a relevant primary source or news item for ATLC. This is an evidence-coverage gap, not a conclusion that nothing material happened.

Business and financial condition

Reported financial figures are not available yet

Jodie has not returned structured SEC XBRL fundamentals for this asset. This is a coverage limitation, not an assessment of the business or its financial health.

Filing analysis

No comparable filing assessment is available yet

Jodie has not yet found a suitable current-versus-prior filing comparison for ATLC. This does not mean the latest filing was neutral or immaterial.

Business ecosystem

The relationships behind ATLC

Customers, suppliers, partners and competitors named in company filings—not inferred from headlines.

Depends on

PYPLPayPal Holdings, Inc.competitorNov 10, 2025

One of these companies, Fintiv Inc., has sued Apple, Inc., Walmart, Inc., and PayPal Holdings, Inc.

WMTWalmart Inc.competitorNov 10, 2025

One of these companies, Fintiv Inc., has sued Apple, Inc., Walmart, Inc., and PayPal Holdings, Inc.

AAPLApple Inc.competitorMay 7, 2026

Our primary competition consists of facilitators and providers of legacy payment and consumer loan methods, such as credit and debit cards, including those provided by card issuing banks; technology solutions, including those provided by financial technology…

Filing peers

Companies whose filings use similar operating language.

Open the three relationships above to see Jodie’s filing proof. Pro unlocks 2 more links, every receipt, and alerts when connected names begin moving. Unlock the full network →

What is moving around it

Live connections

ATLC is currently a Early Follower in the organic co-movement group Healthcare REITs & Services. This group is discovered from market behaviour rather than assigned from an industry taxonomy. 3 filing-linked names are in the relationship map; none is currently confirmed as moving with the group.

This group is retained as the last observed read for ATLC; it is not active in the latest market snapshot.

Context history

Theme membership history

No durable theme membership has been observed for this name yet.