ATLCP
Atlanticus Holdings Corporation
NasdaqGSUSDEQUITY
Financial Services
DELAYED
Neutral
-6/100
Last price
23.73
▲ 0.23 (0.96%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
Drag pan · Pinch zoom · Hold crosshair · pick a tool then drag to draw
Open
23.47
Prev close
23.50
Day high
23.73
Day low
23.47
Volume
1.01K
Market cap
—
P/E (TTM)
3.12
52W range
20.46 – 24.90
Day trading desk
Gap from prior close
-0.15%
Prior close 23.50
VWAP
—
—
Relative volume
0.00×
Quiet session
Session range
1.11%
23.47 – 23.73
Position in range
100%
Near session high
ATR (14D)
0.20
0.83% of price
Prior day high
23.73
PDH
Prior day low
23.50
PDL
Bid / ask spread
—
Quote not published
Session volume
—
Avg 3.95K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
-0.23%
-1.8%
1M
-1.35%
-2.5%
3M
-1.96%
-5.0%
6M
+4.96%
-9.6%
YTD
-1.23%
-14.8%
1Y
-3.19%
-18.5%
3Y
+20.91%
-60.3%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on ATLCP open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
0
Net selling
Buy transactions
0
0 shares
Sell transactions
0
—
Net transactions
0
Buys less sells
Sell : buy shares
—
Not enough filings
Insider-held shares
0
Total on file
Fundamentals
Market cap—
Enterprise value$6.13B
Revenue (TTM)$730.47M
Gross profit$533.08M
EBITDA—
Net income$144.78M
EPS (TTM)$7.61
Free cash flow—
Total cash$555.21M
Total debt$6.29B
Book value / share$46.27
Shares outstanding—
Float5.50M
Short % of float—
Dividend yield8.11%
Beta (5Y)1.99
Valuation & profitability ratios
Trailing P/E3.12
Forward P/E—
PEG ratio—
Price / sales—
Price / book0.51
EV / revenue8.39
EV / EBITDA—
Gross margin72.98%
Operating margin29.52%
Profit margin21.08%
Return on equity22.97%
Return on assets2.76%
Debt / equity853.53
Current ratio14.84
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $402.60M | $299.40M | $256.34M | $292.56M | +34.5% |
| Operating revenue | $402.60M | $299.40M | $256.34M | $292.56M | +34.5% |
| Selling, general & admin | $182.84M | $106.33M | $96.33M | $105.47M | +72.0% |
| Pre-tax income | $159.71M | $138.58M | $128.56M | $149.27M | +15.3% |
| Tax provision | $39.10M | $28.47M | $26.60M | $14.66M | +37.3% |
| Net income | $122.20M | $111.30M | $102.84M | $135.60M | +9.8% |
| Net income to common | $111.80M | $87.37M | $77.65M | $110.52M | +28.0% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $621.09M | $375.42M | $339.34M | $384.98M | +65.4% |
| Property, plant & equipment | $27.69M | $24.40M | $22.75M | $21.80M | +13.5% |
| Goodwill & intangibles | $30.27M | $0 | — | — | — |
| Total assets | $7.62B | $3.27B | $2.71B | $2.39B | +133.1% |
| Long-term debt | $6.52B | $2.48B | $2.01B | $1.80B | +162.7% |
| Total debt | $6.54B | $2.51B | $2.03B | $1.82B | +161.2% |
| Total liabilities | $7.02B | $2.78B | $2.31B | $2.06B | +152.4% |
| Retained earnings | $506.42M | $394.63M | $307.26M | $204.41M | +28.3% |
| Shareholder equity | $608.70M | $492.91M | $394.68M | $326.41M | +23.5% |
| Net tangible assets | $578.43M | $492.91M | $394.68M | $326.41M | +17.4% |
| Shares issued | 14.92M | 14.90M | 14.60M | 14.45M | +0.1% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $120.61M | $110.11M | $101.95M | $134.61M | +9.5% |
| Depreciation & amortisation | $9.90M | $5.19M | $4.04M | $4.85M | +90.8% |
| Stock-based compensation | $4.29M | $3.90M | $3.78M | $4.17M | +10.2% |
| Change in working capital | -$444.67M | -$273.70M | -$240.32M | -$263.21M | -62.5% |
| Operating cash flow | $637.96M | $469.40M | $459.32M | $347.63M | +35.9% |
| Capital expenditure | -$5.02M | -$1.79M | -$3.99M | -$4.85M | -180.8% |
| Investing cash flow | -$1.51B | -$747.03M | -$672.20M | -$682.28M | -102.4% |
| Share buybacks | -$69.57M | -$52.67M | -$17.67M | -$89.01M | -32.1% |
| Dividends paid | -$12.43M | -$25.74M | -$24.91M | -$24.79M | +51.7% |
| Financing cash flow | $1.14B | $393.61M | $163.34M | $261.25M | +190.1% |
| Free cash flow | $632.94M | $467.62M | $455.32M | $342.78M | +35.4% |
| End cash position | $767.41M | $499.64M | $383.65M | $433.19M | +53.6% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $166.75M | $146.39M | $122.50M | $103.34M | $89.62M | +13.9% |
| Operating revenue | $166.75M | $146.39M | $122.50M | $103.34M | $89.62M | +13.9% |
| Selling, general & admin | $75.38M | $65.12M | $55.17M | $53.50M | $38.33M | +15.8% |
| Pre-tax income | $66.01M | $58.85M | $46.22M | $32.48M | $40.15M | +12.2% |
| Tax provision | $16.29M | $14.27M | $11.61M | $7.89M | $9.86M | +14.1% |
| Net income | $49.72M | $44.17M | $35.13M | $24.98M | $30.57M | +12.6% |
| Net income to common | $47.41M | $41.87M | $32.83M | $22.67M | $28.35M | +13.2% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $555.22M | $651.13M | $621.09M | $425.02M | $329.42M | -14.7% |
| Property, plant & equipment | $24.75M | $26.34M | $27.69M | $29.02M | $27.36M | -6.0% |
| Goodwill & intangibles | $25.13M | $27.70M | $30.27M | $31.89M | — | -9.3% |
| Total assets | $7.49B | $7.47B | $7.62B | $7.08B | $3.64B | +0.4% |
| Long-term debt | $6.27B | $6.33B | $6.52B | $6.04B | $2.77B | -0.9% |
| Total debt | $6.29B | $6.35B | $6.54B | $6.06B | $2.80B | -0.9% |
| Total liabilities | $6.79B | $6.82B | $7.02B | $6.49B | $3.08B | -0.4% |
| Retained earnings | $595.70M | $548.29M | $506.42M | $473.60M | $450.93M | +8.6% |
| Shareholder equity | $701.88M | $648.43M | $608.70M | $589.34M | $563.32M | +8.2% |
| Net tangible assets | $676.75M | $620.74M | $578.43M | $557.46M | $563.32M | +9.0% |
| Shares issued | 15.17M | 15.09M | 14.92M | 15.13M | 15.13M | +0.6% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $49.72M | $44.58M | $34.61M | $24.59M | $30.29M | +11.5% |
| Depreciation & amortisation | $5.08M | $5.07M | $4.12M | $2.49M | $1.69M | +0.1% |
| Stock-based compensation | $2.80M | $1.39M | $1.56M | $920.00K | $948.00K | +101.3% |
| Change in working capital | -$140.71M | -$101.88M | -$172.30M | -$152.44M | -$65.05M | -38.1% |
| Operating cash flow | $276.93M | $286.35M | $266.25M | $107.45M | $132.69M | -3.3% |
| Capital expenditure | -$68.00K | -$250.00K | -$144.00K | -$58.00K | -$2.14M | +72.8% |
| Investing cash flow | -$369.23M | -$51.21M | -$484.54M | -$506.91M | -$405.53M | -621.0% |
| Share buybacks | -$55.00K | -$3.83M | -$16.38M | -$25.00K | -$1.92M | +98.6% |
| Dividends paid | -$2.31M | -$2.31M | -$2.30M | -$2.30M | -$2.21M | 0.0% |
| Financing cash flow | -$66.58M | -$198.48M | $459.76M | $442.16M | $294.62M | +66.5% |
| Free cash flow | $276.86M | $286.10M | $266.11M | $107.39M | $130.54M | -3.2% |
| End cash position | $645.18M | $804.06M | $767.41M | $525.94M | $483.24M | -19.8% |
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
—
—
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | — | — | $778.37M | +57.4% |
| Next quarter | — | — | $815.93M | +11.1% |
| Current year | — | — | $3.02B | +53.3% |
| Next year | — | — | $3.43B | +13.7% |
Analyst targets & ownership
Mean target—
High target—
Low target—
Implied upside—
Analyst count—
ConsensusNONE
Strong buy / Buy— / —
Hold—
Sell / Strong sell— / —
Held by insiders0.00%
Held by institutions2.93%
Institutions holding2
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
23.74
-0.06% from price
SMA 20
23.89
-0.70% from price
SMA 50
24.08
-1.49% from price
SMA 100
24.14
-1.73% from price
SMA 200
24.00
-1.14% from price
EMA 12
23.74
-0.07% from price
EMA 26
23.88
-0.64% from price
EMA 50
23.99
-1.09% from price
RSI (14)
44.4
Neutral
MACD (12,26,9)
-0.14
Hist -0.03
ATR (14)
0.20
0.83% of price
Realised vol 30D
11.2%
Annualised
Bollinger upper
24.34
20, 2σ
Bollinger lower
23.45
20, 2σ
50 / 200 cross
Golden
24.08 vs 24.00
Trend bias
Below 200
-1.14%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.07
Less volatile than market
Correlation to SPY
0.07
Largely independent
Realised vol 30D
11.2%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-13.7%
Peak to trough
Max drawdown 5Y
-37.5%
Peak to trough
ATR 14
0.20
0.83% of price
Beta (reported)
1.99
5Y monthly, from filing
Short interest
Shares short
1.14K
Prior 3.33K
Change vs prior
-65.7%
Shorts covering
% of float
—
—
% of shares out
—
Against total outstanding
Days to cover
0.3
Liquid
Float
5.50M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Dividends & splits
Forward rate$1.91 / yr
Forward yield8.11%
5-year avg yield7.22%
Payout ratio—
Ex-dividend dateSep 1, 2026
Next pay dateSep 15, 2026
Last split—
Split date—
Headlines
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Simply Wall St. · 7d ago
2 Reasons ATLC is Risky and 1 Stock to Buy Instead
StockStory · 13d ago
Atlanticus Holdings (ATLC) Sells Auto Finance Unit. Can it Replace Lost Earnings?
Insider Monkey · 15d ago
3 Consumer Finance Stocks Exposed to Inflation Stress in US Households
Simply Wall St. · 16d ago
Are Investors Undervaluing Atlanticus (ATLC) Right Now?
Zacks · 16d ago
Atlanticus Holdings (ATLC) Completes CAR Auto Finance Exit
Simply Wall St. · 19d ago
Atlanticus Completes $71.2 Million Sale of Auto Finance Division
MT Newswires · 20d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.