Atlanticus Holdings Corporation (ATLC)

Atlanticus Holdings Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	1,031	979.81	879.12	786.24	518.78	410.62
Total Interest Expense	188.38	160.17	109.34	81.85	54.13	51.55
Net Interest Income	842.72	819.64	769.78	704.38	464.66	359.07
Other Revenue	411.74	330.14	276.12	259.87	225.07	149.39
Revenue Before Loan Losses	1,254	1,150	1,046	964.25	689.73	508.46
Provision for Loan Losses	797.3	749.84	691.73	578.32	255.19	251.27
Revenue	457.16	399.94	354.18	385.93	434.54	257.19
Revenue Growth (YoY)	26.20%	12.92%	-8.23%	-11.19%	68.95%	452.12%
Salaries & Employee Benefits	53.74	50.14	43.91	43.06	34.02	29.08
Cost of Services Provided	207.59	174.59	153.04	157.83	132.03	98.06
Other Operating Expenses	35.78	35.41	26.74	34.4	22.18	17.82
Total Operating Expenses	300.2	262.86	226.25	237.47	189.73	146.2
Operating Income	156.96	137.09	127.93	148.46	244.81	110.99
Earnings From Equity Investments	-	-	-	-	0.02	0.46
EBT Excluding Unusual Items	158.17	138.58	128.56	149.27	249.01	113.83
Gain (Loss) on Sale of Investments	-	-	-	-	-	0.56
Other Unusual Items	-	-	-	-	-29.44	-
Pretax Income	158.17	138.58	128.56	149.27	219.57	114.39
Income Tax Expense	36.6	28.47	26.6	14.66	41.78	20.47
Earnings From Continuing Ops.	121.57	110.11	101.95	134.61	177.79	93.92
Minority Interest in Earnings	1.37	1.19	0.89	0.99	0.11	0.2
Net Income	122.94	111.3	102.85	135.6	177.9	94.12
Preferred Dividends & Other Adjustments	17.12	23.93	25.2	25.08	22.36	17.07
Net Income to Common	105.82	87.37	77.65	110.52	155.54	77.05
Net Income Growth	20.54%	8.22%	-24.15%	-23.78%	89.02%	255.93%
Shares Outstanding (Basic)	15	15	15	15	15	14
Shares Outstanding (Diluted)	19	19	19	19	21	20
Shares Change (YoY)	1.23%	-0.43%	-2.55%	-7.28%	3.96%	31.62%
EPS (Basic)	7.08	5.92	5.35	7.55	10.32	5.32
EPS (Diluted)	5.69	4.77	4.24	5.83	7.56	3.95
EPS Growth	35.13%	12.63%	-27.26%	-22.89%	91.22%	138.44%
Free Cash Flow	492.75	467.62	455.33	342.78	205.28	211.99
Free Cash Flow Per Share	25.92	24.87	24.11	17.69	9.82	10.54
Operating Margin	34.33%	34.28%	36.12%	38.47%	56.34%	43.15%
Profit Margin	23.15%	21.84%	21.92%	28.64%	35.79%	29.96%
Free Cash Flow Margin	107.78%	116.92%	128.56%	88.82%	47.24%	82.42%
Effective Tax Rate	23.14%	20.54%	20.69%	9.82%	19.03%	17.90%

Updated May 8, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.

SEC Filings: 10-K · 10-Q