Atlanticus Holdings Corporation
ATLCFinancial ServicesNASDAQCredit Services · Last scanned May 29, 2026
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Daily timeframeHeadquartered within the financial services sector, Atlanticus Holdings Corporation focuses on Credit Services services and products. Atlanticus Holdings Corporation, a financial technology company, provides products and services to lenders in the United States. The $1.30B market capitalization puts ATLC squarely in small-cap range for its industry. The company operates in two segments, Credit as a Service (CaaS) and Auto Finance.
Market Cap
$1.30B
Beta
2.15
P/E (TTM)
11.68
P/E (Fwd)
6.46
EPS (TTM)
$7.38
EPS (Fwd)
$13.34
ROE
21.4%
ROA
2.5%
Cash
$651.1M
Total Debt
$6.35B
Free CF
—
52W Change
77.1%
Annual Financials
Cash vs Debt
Atlanticus Holdings Corporation carries $6.35B in total debt against $651.1M in cash reserves — debt is roughly 9.8x the cash position. Managing this leverage effectively will be important for long-term financial stability. ROE of 21.4% points to strong capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 2.5% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $292.6M (2022) to $402.6M (2025), reflecting a 38% increase over the period.
Atlanticus Holdings Corporation's elevated beta suggests the stock experiences more pronounced price movements than the overall market, which increases both upside potential and downside risk. The debt-to-cash ratio suggests meaningful leverage on the balance sheet, a factor worth monitoring if credit conditions tighten. No single metric tells the full story. Reviewing ATLC's risk profile alongside its fundamentals and technical indicators provides a more complete picture.