Atlanticus Reports Q4 Revenue of $734.39M
Reports Q4 revenue $734.39M, consensus $691.81M. Jeff Howard, President and Chief Executive Officer of Atlanticus stated, "We are pleased to have achieved both our return on capital and earnings growth goals in the quarter and for the year. With quarterly Net income attributable to common shareholders increasing approximately 25%, annual Net income attributable to common shareholders growing approximately 28%, all while achieving a return on average equity in excess of 22%, we continue to demonstrate the earnings power of the Atlanticus platform. While our historical lines of business continue to perform within our expectations, we added a significant contributor to long-term earnings growth with the acquisition of Mercury Financial in the third quarter of 2025. I am especially proud of the way our team has come together to integrate the two businesses while continuing to remain focused on the most important driver of shareholder value creation - unit level profitability. The integration of Mercury is ahead of our plan and we are realizing many of the revenue and operating synergies faster and more materially than we had forecasted."
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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.
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.
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.
Atlanticus Refinances $750 Million Bond, Achieving 200+ Basis Points Rate Reduction
- Successful Refinancing: On December 4, 2025, Atlanticus successfully refinanced $750 million in term securitization, with the new bonds having a three-year term and more favorable structural elements, achieving an immediate reduction of over 200 basis points in the coupon rate, significantly lowering financing costs and enhancing financial flexibility.
- Investor Support: CEO Jeff Howard noted that the continued support from global investors in their securitization programs was crucial to this refinancing success, indicating strong market confidence in Atlanticus and its Mercury subsidiaries, further driving brand expansion.
- Integration Progress: Atlanticus is ahead of plan in its integration efforts between Atlanticus and Mercury, with focused teamwork laying a solid foundation for future success, which is expected to continue driving business growth.
- Long-term Strategic Goals: This refinancing not only reduces costs but also establishes a foundation for Atlanticus to achieve broader financial service coverage in 2026 and beyond, aiming to empower more everyday Americans and improve their financial outcomes.
Atlanticus Holdings Corporation Reports Decline in Q3 Income, Falling Short of Projections
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.
BTIG Affirms Buy Rating for Atlanticus Holdings, Keeps $105 Price Target Intact
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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.
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.
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.
Atlanticus Refinances $750 Million Bond, Achieving 200+ Basis Points Rate Reduction
- Successful Refinancing: On December 4, 2025, Atlanticus successfully refinanced $750 million in term securitization, with the new bonds having a three-year term and more favorable structural elements, achieving an immediate reduction of over 200 basis points in the coupon rate, significantly lowering financing costs and enhancing financial flexibility.
- Investor Support: CEO Jeff Howard noted that the continued support from global investors in their securitization programs was crucial to this refinancing success, indicating strong market confidence in Atlanticus and its Mercury subsidiaries, further driving brand expansion.
- Integration Progress: Atlanticus is ahead of plan in its integration efforts between Atlanticus and Mercury, with focused teamwork laying a solid foundation for future success, which is expected to continue driving business growth.
- Long-term Strategic Goals: This refinancing not only reduces costs but also establishes a foundation for Atlanticus to achieve broader financial service coverage in 2026 and beyond, aiming to empower more everyday Americans and improve their financial outcomes.
Atlanticus Holdings Corporation Reports Decline in Q3 Income, Falling Short of Projections
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.
BTIG Affirms Buy Rating for Atlanticus Holdings, Keeps $105 Price Target Intact
Real-time Intelligence: Benzinga Pro offers the fastest news alerts for traders, helping them stay informed and make timely decisions in the stock market.
Exclusive Content: The platform provides exclusive stories and insights generated by Benzinga reporters, enhancing the trading experience for its users.
Community Engagement: Over 10,000 serious traders are part of the Benzinga Pro community, fostering a collaborative environment for sharing market intelligence.
Market Winning Tools: Benzinga Pro equips traders with tools and information designed to improve their chances of success in the markets.
