Atlanticus Holdings Corporation Reports Decline in Q3 Income, Falling Short of Projections
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Nov 10 2025
0mins
Should l Buy ATLC?
Source: NASDAQ.COM
Earnings Performance: Atlanticus Holdings Corporation reported a third-quarter profit of $22.67 million, down from $23.22 million the previous year, resulting in earnings per share of $1.21 compared to $1.27 last year.
Analyst Expectations: The company's earnings fell short of analysts' expectations, which had forecasted earnings of $1.79 per share, typically excluding special items.
Revenue Growth: Despite the drop in earnings, Atlanticus Holdings saw a significant revenue increase of 40.8%, rising to $494.67 million from $351.22 million in the same quarter last year.
Earnings Summary: Key financial figures for Atlanticus Holdings include earnings of $22.67 million, EPS of $1.21, and revenue of $494.67 million, reflecting both a decline in earnings and substantial revenue growth.
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Analyst Views on ATLC
Wall Street analysts forecast ATLC stock price to rise
3 Analyst Rating
3 Buy
0 Hold
0 Sell
Strong Buy
Current: 77.160
Low
90.00
Averages
98.33
High
105.00
Current: 77.160
Low
90.00
Averages
98.33
High
105.00
About ATLC
Atlanticus Holdings Corporation is a financial technology company. The Company is focused on facilitating consumer credit through the use of financial technology and related services. The Credit as a Service (CaaS) segment includes its private-label credit and general-purpose credit cards, which, through its bank partners, provide financing solutions to consumers. The Auto Finance segment purchases and/or services loans secured by automobiles and provides other financing options to independent automotive dealers and automotive finance companies. Its private-label and general-purpose card products are originated by The Bank of Missouri and WebBank. Its bank partners originate these accounts through multiple channels, including retail and healthcare point-of-sale locations, direct mail solicitation, digital marketing and partnerships with third parties. The Company uses its technology and proprietary predictive analytics, lenders can make instant credit decisions.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
ATLANTICUS REPORTS Q1 REVENUE OF USD 679.5 MILLION, BELOW IBES ESTIMATE OF USD 749.3 MILLION
- Revenue Comparison: The Atlantic's Q1 revenue is reported at USD 669.5 million.
- Estimated Revenue: Ibes estimates the revenue for the same period to be USD 749.3 million.
See More
ATLANTICUS REPORTS Q1 PRETAX PROFIT OF USD 58.848 MILLION, BEATING IBES ESTIMATE OF USD 45.8 MILLION
Financial Comparison: The article discusses a financial comparison between two entities, highlighting a pre-tax profit of $58.848 million for one and an estimated profit of $45.8 million for the other.
Profit Analysis: The significant difference in profits suggests varying levels of performance or market conditions affecting the two entities.
See More
ATLANTICUS REPORTS Q1 NET INCOME OF USD 44.577 MILLION, BEATING IBES ESTIMATE OF USD 32.1 MILLION
Financial Performance: Atlanticus reported a net income of USD 44.577 million, significantly higher than the estimated USD 32.1 million by Ibes.
Comparison with Estimates: The actual net income exceeded expectations, indicating a strong financial performance for the company.
See More
Atlanticus Holdings Reports Strong Q4 and Full Year 2025 Earnings
- Acquisition Impact: Atlanticus Holdings' acquisition of Mercury Financial effectively doubled its balance sheet to $7.0 billion, adding over 1.3 million customers and significantly enhancing the company's capabilities and competitiveness in the near-prime market.
- Strong Financial Performance: In Q4 2025, diluted earnings per share grew 23% year-over-year, with a full-year increase of 25%, while achieving over 20% return on equity, demonstrating the company's robust performance and profitability in the market.
- Expanded Customer Base: The number of customers increased from 1.2 million to approximately 6.0 million, reflecting a 38% annual growth rate, indicating Atlanticus's success in meeting consumer needs and increasing market penetration.
- Optimistic Future Outlook: Despite a moderated asset growth rate post-acquisition, the company targets long-term earnings growth of over 20%, showcasing confidence in future market opportunities and strategic positioning.
See More
Atlanticus Holdings Q4 Earnings Exceed Expectations
- Earnings Beat: Atlanticus Holdings reported a Q4 GAAP EPS of $1.75, surpassing expectations by $0.16, indicating robust profitability growth that bolsters investor confidence.
- Significant Revenue Growth: The company achieved Q4 revenue of $734.38 million, reflecting a year-over-year increase of 107.9%, exceeding estimates by $42.57 million, which highlights the success of its business model and strong market demand.
- Positive Market Reaction: The earnings report's positive surprise is likely to impact Atlanticus Holdings' stock price favorably, attracting more investor interest and potentially increasing the company's market share in the financial services sector.
- Optimistic Future Outlook: With ongoing growth and improved profitability, Atlanticus Holdings demonstrates strong potential for future financial performance, which may lead analysts to issue more favorable ratings.
See More
Atlanticus to Host Q4 2025 Financial Results Conference Call
- Earnings Call Announcement: Atlanticus Holdings will host a conference call on March 12, 2026, at 5:00 PM ET to discuss its Q4 and full-year 2025 financial results, expected to provide key financial metrics and operational insights.
- Webcast Accessibility: The live webcast will be available on the Atlanticus Investor Relations website, with an archived version accessible for 45 days post-event, ensuring transparency and investor engagement.
- Company Overview: Atlanticus Holdings is a financial technology firm that enables over 20 million customers to access more inclusive financial services through its bank, retail, and healthcare partners, having facilitated over $50 billion in consumer loans to date.
- Technological and Experience Edge: Leveraging over 30 years of operational experience and advanced analytics, Atlanticus supports lenders across a broad range of consumer credit products, aiming to enhance financial outcomes for everyday Americans and solidify its market position.
See More
ATLANTICUS REPORTS Q1 REVENUE OF USD 679.5 MILLION, BELOW IBES ESTIMATE OF USD 749.3 MILLION
- Revenue Comparison: The Atlantic's Q1 revenue is reported at USD 669.5 million.
- Estimated Revenue: Ibes estimates the revenue for the same period to be USD 749.3 million.
See More
ATLANTICUS REPORTS Q1 PRETAX PROFIT OF USD 58.848 MILLION, BEATING IBES ESTIMATE OF USD 45.8 MILLION
Financial Comparison: The article discusses a financial comparison between two entities, highlighting a pre-tax profit of $58.848 million for one and an estimated profit of $45.8 million for the other.
Profit Analysis: The significant difference in profits suggests varying levels of performance or market conditions affecting the two entities.
See More
ATLANTICUS REPORTS Q1 NET INCOME OF USD 44.577 MILLION, BEATING IBES ESTIMATE OF USD 32.1 MILLION
Financial Performance: Atlanticus reported a net income of USD 44.577 million, significantly higher than the estimated USD 32.1 million by Ibes.
Comparison with Estimates: The actual net income exceeded expectations, indicating a strong financial performance for the company.
See More
Atlanticus Holdings Reports Strong Q4 and Full Year 2025 Earnings
- Acquisition Impact: Atlanticus Holdings' acquisition of Mercury Financial effectively doubled its balance sheet to $7.0 billion, adding over 1.3 million customers and significantly enhancing the company's capabilities and competitiveness in the near-prime market.
- Strong Financial Performance: In Q4 2025, diluted earnings per share grew 23% year-over-year, with a full-year increase of 25%, while achieving over 20% return on equity, demonstrating the company's robust performance and profitability in the market.
- Expanded Customer Base: The number of customers increased from 1.2 million to approximately 6.0 million, reflecting a 38% annual growth rate, indicating Atlanticus's success in meeting consumer needs and increasing market penetration.
- Optimistic Future Outlook: Despite a moderated asset growth rate post-acquisition, the company targets long-term earnings growth of over 20%, showcasing confidence in future market opportunities and strategic positioning.
See More
Atlanticus Holdings Q4 Earnings Exceed Expectations
- Earnings Beat: Atlanticus Holdings reported a Q4 GAAP EPS of $1.75, surpassing expectations by $0.16, indicating robust profitability growth that bolsters investor confidence.
- Significant Revenue Growth: The company achieved Q4 revenue of $734.38 million, reflecting a year-over-year increase of 107.9%, exceeding estimates by $42.57 million, which highlights the success of its business model and strong market demand.
- Positive Market Reaction: The earnings report's positive surprise is likely to impact Atlanticus Holdings' stock price favorably, attracting more investor interest and potentially increasing the company's market share in the financial services sector.
- Optimistic Future Outlook: With ongoing growth and improved profitability, Atlanticus Holdings demonstrates strong potential for future financial performance, which may lead analysts to issue more favorable ratings.
See More
Atlanticus to Host Q4 2025 Financial Results Conference Call
- Earnings Call Announcement: Atlanticus Holdings will host a conference call on March 12, 2026, at 5:00 PM ET to discuss its Q4 and full-year 2025 financial results, expected to provide key financial metrics and operational insights.
- Webcast Accessibility: The live webcast will be available on the Atlanticus Investor Relations website, with an archived version accessible for 45 days post-event, ensuring transparency and investor engagement.
- Company Overview: Atlanticus Holdings is a financial technology firm that enables over 20 million customers to access more inclusive financial services through its bank, retail, and healthcare partners, having facilitated over $50 billion in consumer loans to date.
- Technological and Experience Edge: Leveraging over 30 years of operational experience and advanced analytics, Atlanticus supports lenders across a broad range of consumer credit products, aiming to enhance financial outcomes for everyday Americans and solidify its market position.
See More
