Atlanticus Holdings Corp. (ATLC)

Atlanticus reported its Q3 2025 earnings, posting an EPS of $1.48, slightly missing expectations, but announced better-than-expected revenue. The company announced strong Q2 2025 financial results, with net income increasing by 57.8%. Atlanticus acquired Mercury Financial LLC, adding $3.2 billion of credit card receivables. Atlanticus refinanced a securitization facility. Several analyst firms updated their ratings and price targets for ATLC. PROG Holdings announced the sale of its Vive Credit Card Receivables Portfolio to Atlanticus.

Demand seasonality is observed for Atlanticus Holdings Corp.'s products and services, particularly within its credit receivables. Private label credit receivables growth is strongest during the second and third quarters, moderating in the late third and fourth quarters. General-purpose credit card receivables tend to have higher total yields. The company expects continued period-over-period quarterly receivables growth in both its general-purpose credit card and private label credit receivables.

Atlanticus Holdings Corporation is a financial technology company providing products and services to lenders in the United States, operating in the Financials sector and Credit Services industry. The company operates through two segments: Credit as a Service (CaaS) and Auto Finance. The CaaS segment offers private label and general-purpose credit cards through various channels and provides loan servicing, risk management, and customer service outsourcing. The Auto Finance segment purchases and services auto loans from independent dealers and finance companies, offering floor plan financing and installment lending products.

Atlanticus Holdings Corporation is headquartered in Atlanta, Georgia, United States, and its products and services are provided to lenders and consumers within the United States.

Atlanticus Holdings Corporation was named one of the 2024 "Best Places To Work" by the Atlanta Business Chronicle. No other specific events significantly impacting its brand reputation were prominently reported within the past year.

Atlanticus Holdings Corporation has a mixed ownership structure, including institutional, retail, and individual investors. As of September 2025, institutional ownership rose to 22.8%. Major institutional owners include Dimensional Fund Advisors Lp, Wellington Management Group Llp, BlackRock, Inc., Vanguard Group Inc, Renaissance Technologies Llc, American Century Companies Inc, Geode Capital Management, Llc, Bridgeway Capital Management Inc, and JPMorgan Chase & Co. Significant individual insider owners include Frank J. Hanna Iii, David G. Hanna, Kimberly M. Hanna, and Sally R. Hanna.