Atlanticus Holdings Corp · Personal Credit Institutions

ATLC

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The short version

A profitable company with growing sales. Institutions are adding.

Going well

Sales up 89% in the latest quarter vs a year ago
Profitable
Sales up 50% last year

Money moves

No insider buying or selling in the last 30 days
Institutions added 8.2% to their holdings in the quarter ending June 2026 (92 bought, 44 sold)

Facts from SEC filings, not a recommendation.

What the price means

Price as of Oct 26

$87.19+1.3% that day

Company value: $1.7B; Share price times all shares
Price vs profit (P/E): 11.3x; You pay about $11 for each $1 of yearly profit
Price vs sales: 0.65x; Company value is 0.65 times a year of sales
Cash vs value: 32%; A big cushion: cash is a large part of what the company is worth
Debt vs value: 40%; Debt as a share of company value

From ATLC's last IEX trade and its SEC filings (profits and sales over the last four quarters). A starting point for research, not a verdict.

The business over time

Last 12 quarters, from SEC filings

Sales, Jun '26

$744.3M+89% vs a year earlier

Sep '23Tap a barJun '26

Last 12 months: $2.7B, up 84% from the 12 months before. Over 5 years, sales grew about 28% a year.

What the price assumes

Your guesses, our math

Move the sliders to your own view of ATLC. Starting points are the company's recent numbers.

Sales growth+30% a yearRecently: +84% a yearProfit margin6%Last 12 months: 5.7%P/E at the end11xToday: 11.3x. Many steady companies trade at 12x to 25xShare count change0% a yearBelow zero means buybacks; above zero means new shares (dilution)

Sales in 5 years$9.9B

Profit in 5 years$591M

Price these guesses point to$328.03+276% vs $87.19 todayAbout +30% a year, before dividends

What today's price needs: with a 6% margin and a 11x P/E, sales could shrink about 0.3% a year for 5 years and still match today's price.

Simple math on your guesses, not a forecast or a price target. Real results depend on many things these sliders leave out.

Price

Price chart by TradingView.

Business quality

The checklist Warren Buffett-style investors use. Annual numbers for 2025.

3/6Mixed

PassReturn on equity 15%+Earns a lot on the money owners have in the business.21.9%
MissDebt under half of equityNot relying on borrowed money.1.15x equity
MissNet margin 10%+Keeps at least 10 cents of profit from each dollar of sales.6.1%
MissProfitable every yearSteady profits, not one good year.8 of 10 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$638.0M
PassShare count not growingNot diluting owners. Falling means buybacks.-1.0% in 3 years

Revenue: $2.0B; +50.1% vs prior year
5-year growth: +28.4%/yr; revenue, per year
Total debt: $698.6M; 1.15x equity
Free cash flow: $638.0M; 32.4% of revenue

From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. A checklist is a starting point for research, not a verdict.