Finanzas de Atlanticus Holdings Corp (ATLC)ATLCAtlanticus Holdings Corp

Atlanticus Holdings Corp (ATLC) generates its revenue through a diversified portfolio of business segments. Currently, the largest contributor to its top-line growth is Credit Card & Other Investment, accounting for 98.6% of total sales, equivalent to $734.21M. Another important revenue stream is Auto Finance. Understanding this composition is critical for investors evaluating how ATLC navigates market cycles within the Consumer Lending industry.

Evaluating the bottom line, Atlanticus Holdings Corp maintains a gross margin of 57.46%. This metric reflects the company's pricing power and manufacturing efficiency. Further down the income statement, the operating margin stands at 22.75%, while the net margin is 17.13%. These profitability ratios, combined with a Return on Equity (ROE) of 22.89%, provide a clear picture of how effectively ATLC converts its operational activities into shareholder value.

In the context of the broader market, ATLC competes directly with industry leaders such as PRG and WD. With a market capitalization of $1.38B, it holds a significant position in the sector. When comparing efficiency, ATLC's gross margin of 57.46% stands against PRG's 38.86% and WD's 93.91%. Such benchmarking helps identify whether Atlanticus Holdings Corp is trading at a premium or discount relative to its financial performance.

Atlanticus has shown impressive financial growth, with total revenue reaching $290.18 million in Q2 2026, reflecting a substantial increase from previous quarters. The net income for Q2 2026 was $47.41 million, indicating strong profitability. The gross margin stands at 57.46%, which is healthy for the sector, and the company has a forward P/E ratio of 7.87, suggesting it is undervalued compared to its earnings potential.