profit from every $100 of sales.
$0$100
Atlanticus
$81.12-11.08% today
+50.2% in 1 year
1-year low $47.961-year high $111.79
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $10.19 for every $1 of profit it makes in a year.
CheapExpensive
of earnings would pay off all its debt.
No debt5 years
Money in, money out
What Atlanticus sold, what it kept, and what it did with the cash.
Sales went from $293 million in 2022 to $403 million in 2025, with $122 million of profit last year.
SalesProfit
Atlanticus handed back 13% of the cash it generated last year.
Buybacks $70M
Free cash flow 2025$633M
Bought back its own shares$70M
Paid as dividends$12M
Cash vs. debt$621M vs. $6.5B
Atlanticus vs. similar companies
Atlanticus grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Atlanticus | 10.2× · Cheap | ||
 Sunbelt Rentals Holdings | 22.1× · Fair price | ||
 Global Payments | 18.5× · Fair price | ||
 Synchrony Financial | 6.7× · Cheap | ||
 SoFi Technologies | 45.2× · Expensive |
AI analysis
An AI analyst reads Atlanticus's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 293 | 256 | 299 | 403 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 136 | 103 | 111 | 122 | |
| 5.83 | 4.24 | 4.77 | 5.96 | |
| – | – | – | – | |
| – | – | – | – | |
| 46.3% | 40.1% | 37.2% | 30.4% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 2,388 | 2,706 | 3,271 | 7,623 |
| Cash | 385 | 339 | 375 | 621 |
| Total debt | 1,818 | 2,026 | 2,505 | 6,543 |
| Total liabilities | 2,063 | 2,314 | 2,781 | 7,019 |
| 326 | 395 | 493 | 609 | |
| 19 | 19 | 19 | 19 | |
| – | – | – | – | |
| 41.5% | 26.1% | 22.6% | 20.1% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 348 | 459 | 469 | 638 | |
| 5 | 4 | 2 | 5 | |
| 343 | 455 | 468 | 633 | |
| Dividends paid | 25 | 25 | 26 | 12 |
| 89 | 18 | 53 | 70 | |
| 4 | 4 | 4 | 4 |
Valuation
- 10.2×
- 9.0×
- 13.81
- 1.7×
- 3.1×
- 2.0×
- –
- 50.8%
- 9.8%
- 0.0%
Profitability
- 75.1%
- 24.0%
- 30.4%
- 25.0%
- 3.0%
- 5.3%
- 21.7%
- 1.8%
- 4.1%
- –
Growth
- +11.2%
- +0.7%
- +35.4%
- –
- +0.1%
Financial health
- 17.8×
- 9.23
- 85.1%
- 0.8×
- 10.25
- 10.25
- 0.17
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 44%of 843
Top 45%of 730
Top 27%of 866
Top 39%of 862
Top 2%of 921
What analysts expect
- Average price target
- $70.00
- Range
- $45.00 – $95.00
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| May 7, 2026 | 2.23 | 1.69 | +32.0% |
| Mar 12, 2026 | 1.75 | 1.59 | +10.1% |
| Nov 10, 2025 | 1.48 | 1.34 | +10.4% |
| Aug 7, 2025 | 1.51 | 1.30 | +16.2% |
| May 8, 2025 | 1.49 | 1.33 | +12.0% |
| Mar 13, 2025 | 1.42 | 1.21 | +17.4% |
| Nov 7, 2024 | 1.27 | 1.23 | +3.3% |
| Aug 8, 2024 | 0.99 | 0.91 | +8.8% |
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
1/7Passes 1 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
52No pass
Benjamin Graham
70Pass
Philip Fisher
54No pass
Peter Lynch
17No pass
Joel Greenblatt
22No pass
Charlie Munger
51No pass
Terry Smith
52No pass
Questions about Atlanticus
Is Atlanticus a good stock to buy?
A business with weak numbers, and the price looks low. 1 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Atlanticus AI analysis
What does Atlanticus do?
Atlanticus Holdings Corporation provides credit and related financial services and products to customers the United States. It operates in two segments, Credit as a Service, and Auto Finance. It is in Financial - Credit Services.
Does Atlanticus pay a dividend?
Yes. In 2025 it paid out $12.4 million in dividends.
Is Atlanticus stock halal?
No. Atlanticus does not pass our halal screen: its main business, lending at interest, is not permitted. How we check
How has Atlanticus stock done over the past year?
Up 50.2% over the past twelve months, to $81.12. It traded between $47.96 and $111.79 and is 27.4% below its high.
Who are Atlanticus's competitors?
The largest listed companies in the same industry are Sunbelt Rentals Holdings, Global Payments, Synchrony Financial and SoFi Technologies. The peers table on this page compares their profit, growth and price with Atlanticus's.
Prices: daily closes to Nov 9, 2026. Fundamentals: company reports via invest-like data.