ATLC

ATLANTA, May 20, 2026 (GLOBE NEWSWIRE) -- Atlanticus Holdings Corporation (NASDAQ: ATLC) (“Atlanticus,” the “Company,” “we,” “our” or “us”), a financial technology company that enables its bank, retail and healthcare partners to offer more inclusive financial services to millions of everyday Americans, today announced that its Board of Directors approved a quarterly dividend of $0.476563 per share to Series B Cumulative Perpetual Preferred shareholders. The cash dividend will be paid on or about June 15, 2026 to holders of record of Atlanticus’ Series B Cumulative Perpetual Preferred Stock on the close of business on June 1, 2026. About Atlanticus Holdings Corporation Empowering Better Financial Outcomes for Everyday Americans Atlanticus Holdings Corporation empowers better financial outcomes for Everyday Americans by enabling bank, retail, healthcare, and automotive partners to offer more inclusive financial solutions to consumers. Leveraging proprietary technology and advanced analytics, Atlanticus applies more than 30 years of operating experience, servicing over 20 million customers and more than $50 billion in consumer loans, to support lenders across a broad range of consumer credit products. These offerings span retail and healthcare private-label credit and general purpose credit cards, through an omnichannel platform, including strategic partnerships. Additionally, through its Auto Finance subsidiary, Atlanticus helps address the specific needs of automotive dealerships and non-prime automotive finance organizations with a range of financing and service programs. Atlanticus is guided by the principles of responsible lending, smart innovation, and expanding access to credit for consumers working toward a stronger financial future. Forward-Looking Statements This press release contains forward-looking statements that reflect the Company's current views with respect to the payment of dividends in the future. You generally can identify these statements by the use of words such as “outlook,” “potential,” “continue,” “may,” “seek,” “approximately,” “predict,” “believe,” “expect,” “plan,” “intend,” “estimate” or “anticipate” and similar expressions or the negative versions of these words or comparable words, as well as future or conditional verbs such as “will,” “should,” “would,” “likely” and “could.” These statements are subject to certain risks and unce...

Atlanticus Holdings Corporation reported past first-quarter 2026 results showing net income of US$44.18 million, up from US$31.52 million a year earlier, with higher basic and diluted earnings per share from continuing operations. Alongside this earnings improvement, a Schedule 13G filing revealed Wellington Management affiliates now hold a 5.06% passive stake, highlighting growing institutional interest in Atlanticus’ credit-focused business. With this earnings momentum and fresh institutional ownership in mind, we’ll examine how the results reshape Atlanticus’ previously outlined investment narrative. Explore 26 top quantum computing companies leading the revolution in next-gen technology and shaping the future with breakthroughs in quantum algorithms, superconducting qubits, and cutting-edge research. To own Atlanticus today, you need to believe its near prime, credit card and point of sale model can keep converting receivable growth into sustainable earnings, despite credit and funding risks. The latest Q1 2026 results, with higher net income and EPS, support that earnings story for now, while the biggest near term risk still looks tied to credit performance and funding access. The Wellington 5.06% passive stake does not materially change those core catalysts or risks. The most relevant development alongside earnings is Wellington’s new 5.06% passive ownership. For many investors, a large institutional holder can reinforce confidence that Atlanticus’s credit focused model and Mercury integration remain investable catalysts, even as other indicators, such as GuruFocus viewing the shares as 18.4% overvalued and highlighting weaker financial strength and profitability, remind you that execution and balance sheet risk still matter. Yet behind the strong quarter, investors should still be aware that funding costs and high debt levels could... Read the full narrative on Atlanticus Holdings (it's free!) Atlanticus Holdings' narrative projects $4.2 billion revenue and $359.3 million earnings by 2029. This requires 96.3% yearly revenue growth and a $247.5 million earnings increase from $111.8 million today. Uncover how Atlanticus Holdings' forecasts yield a $92.40 fair value, a 20% upside to its current price. Some of the lowest estimate analysts were already cautious, assuming profits would only reach about US$381.7 million by 2029 and margins would shrink sharp...

Image source: The Motley Fool. Thursday, May 7, 2026 at 5 p.m. ET President & Chief Executive Officer — Jeffrey A. Howard Chief Financial Officer — William R. McCamey Chief Administrative Officer — Dan Mock Need a quote from a Motley Fool analyst? Email [email protected] Dan Mock: Thank you, operator, and good afternoon, everyone. Atlantica released results for the first quarter ended March 31, 2026 this afternoon after market close. If you did not receive a copy of our earnings press release, you may obtain it from the investor Relations section of our website at investors.atlanticus.com. We have also posted an updated investor presentation. With me on today's call are Jeffrey A. Howard, president and chief executive officer, and William R. McCamey, chief financial officer. This call is being webcast and will be archived on the investor relations section of our website. Today's discussion may contain forward looking statements that reflect the company's current views with respect to, among other things, earnings growth, returns on equity, portfolio performance, the benefits of the acquisition of Mercury, including expected synergies, and future financial and operating results. These statements are subject to certain risks and uncertainties, that could cause actual results to differ materially from those included in the forward looking statements. Please review our earnings release and the risk factors discussed in our SEC filings. The forward looking statements speak only as of the date on which they are made, and except to the extent required by federal securities laws, the company disclaims any obligation to update any forward looking statement. In addition, during this call, we may refer to certain non GAAP financial measures. Please refer to our earnings release for important disclosures regarding such measures, including reconciliations to the most comparable GAAP financial measures. And with that, I will turn the call over to Jeffrey. Jeffrey A. Howard: Thanks, Dan. Good afternoon, everyone, and thank you for joining us. 2026 is off to a very good start. Combining strong legacy asset performance with continued momentum from our recent acquisition of Mercury Financial. Now 2 full quarters into the Mercury acquisition, and the integration continues to progress well. Last quarter, we noted that we were ahead of plan, and that pace continued throughout the firs...

Get insights on thousands of stocks from the global community of over 7 million individual investors at Simply Wall St. Atlanticus Holdings (ATLC) drew fresh attention after Q1 2026 earnings topped market expectations, with sharply higher year-on-year revenue and GAAP profit per share, supported by its Credit as a Service segment and Mercury Financial integration. See our latest analysis for Atlanticus Holdings. The stock price reaction has been strong over a longer period rather than just one day, with a 30 day share price return of 39.97% and a 90 day share price return of 40.67%. The 1 year total shareholder return of 40.44% and 3 year total shareholder return of 167.28% point to momentum that has built up around earnings beats and the Mercury integration story. If Atlanticus’s surge has you thinking about what else might be moving, this can be a good moment to broaden your search with the 18 top founder-led companies With earnings and the Mercury integration both ahead of expectations, Atlanticus now sits near analysts’ targets. The key question is whether recent strength still leaves room for upside or if the stock already reflects future growth. Atlanticus’s most followed narrative places fair value at $92.40, above the last close of $78.34. This puts the recent rally into a wider context. Read the complete narrative. Curious what kind of revenue expansion and margin profile need to line up for that valuation gap to make sense? The narrative leans heavily on ambitious growth, shifting profitability, and a future earnings multiple that sits below where the broader consumer finance group is currently priced. The full story connects these moving parts into one tight valuation case. Result: Fair Value of $92.40 (UNDERVALUED) Have a read of the narrative in full and understand what's behind the forecasts. However, this depends on Mercury achieving planned cost savings and earnings accretion, and on near prime customers avoiding a repeat of 2022 style pressure from higher fuel costs. Find out about the key risks to this Atlanticus Holdings narrative. With both optimism and concern in the mix, do you want to rely on headlines or see the detail for yourself? Take a closer look at the 2 key rewards and 1 important warning sign If you stop with a single stock story, you risk missing other opportunities that could fit your goals even better, so broaden your searc...

Atlanticus Holdings Corporation (ATLC) came out with quarterly earnings of $2.23 per share, beating the Zacks Consensus Estimate of $1.72 per share. This compares to earnings of $1.49 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of +29.65%. A quarter ago, it was expected that this company would post earnings of $1.65 per share when it actually produced earnings of $1.75, delivering a surprise of +6.06%. Over the last four quarters, the company has surpassed consensus EPS estimates four times. Atlanticus, which belongs to the Zacks Financial - Miscellaneous Services industry, posted revenues of $679.53 million for the quarter ended March 2026, missing the Zacks Consensus Estimate by 16.82%. This compares to year-ago revenues of $344.87 million. The company has topped consensus revenue estimates three times over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. Atlanticus shares have added about 16.2% since the beginning of the year versus the S&P 500's gain of 7.6%. While Atlanticus has outperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for Atlanticus was favorable. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #2 (Buy) for the stock. So, the shares are expected to outperform the market in the near future. You can see the complete list of today's Zacks...

First Quarter Earnings of $2.23 Per Diluted Common Share Resulting from Strong Asset Level Performance and Continued Acquisition Integration ATLANTA, May 07, 2026 (GLOBE NEWSWIRE) -- Atlanticus Holdings Corporation (NASDAQ: ATLC) (Atlanticus, the Company, we, our or us), a financial technology company that enables its bank, retail and healthcare partners to offer more inclusive financial services to millions of Everyday Americans, today announced its financial results for the first quarter ended March 31, 2026. An accompanying earnings presentation is available in the Investors section of the Company’s website at www.atlanticus.com or by clicking here. Financial and Operating Highlights First Quarter 2026 Highlights (all comparisons to the First Quarter 2025) Total operating revenue and other income increased 97.0% to $679.5 million Managed receivables1 increased 148.5% to $6.7 billion Net income attributable to common shareholders of $41.9 million, an increase of 49.8%, or $2.23 per Diluted common share Return on average equity of 26.8%2 Purchase volume of $1,351.0 million We serve over 5.9 million total accounts3 Over 600,000 new customers served during the quarter 1) Managed receivables is a non-GAAP financial measure and excludes the results of our Auto Finance receivables. See Calculation of Non-GAAP Financial Measures for important additional information. 2) Return on average equity is calculated using Net income attributable to common shareholders as the numerator and the average of Total equity as of March 31, 2026 and December 31, 2025 as the denominator, annualized. 3 ) In our calculation of total accounts served, we include all accounts with account activity and accounts that have open lines of credit at the end of the referenced period. Management Commentary Jeff Howard, President and Chief Executive Officer of Atlanticus, stated, “First and foremost, I want to congratulate and thank the entire Atlanticus team. Their efforts over the last six months have enabled us to be well ahead of plan in the integration of the Mercury acquisition, while providing exceptional service for the millions of customers we serve and generating positive results for our shareholders. For the quarter, we earned $2.23 per share, an increase of 49.8% over last year, and exceeded our return on capital target with a return on equity of 26.8%. This was accomplished through...

Interested in Atlanticus Holdings Corporation? Here are five stocks we like better. Mercury acquisition integration is ahead of schedule — Atlanticus reports faster-than-modeled repricing, stronger consumer response and earlier operating synergies, and says remaining technology consolidation may be completed sooner than the prior ~18‑month timeline. Strong Q1 financials: net income was $41.9 million ($2.23 diluted EPS), EPS rose 50% YoY and 27% sequentially with return on average equity of 26.8%, total operating revenue up 97% to $680 million, and the company ended the quarter with $7.5 billion of assets and $650 million of unrestricted cash. Legacy portfolio growth and stable credit trends: managed receivables excluding Mercury grew 35%, payment and delinquency metrics remain normal with improving newer cohorts, and Atlanticus says it is gaining share in retail credit despite increased solicitation in the general purpose card market. Atlanticus (NASDAQ:ATLC) executives said the company opened 2026 with “a very good start,” pointing to strong performance in its legacy portfolios and continued momentum from its acquisition of Mercury Financial, which is now two full quarters into integration. On the company’s first-quarter 2026 earnings call, President and CEO Jeff Howard said Atlanticus is “ahead of schedule” on operational integration and the creation of “One Atlanticus,” adding that early portfolio management actions at Mercury are “ahead of our acquisition model,” alongside better-than-planned origination volumes and unit-level economics. → Berkshire Hathaway’s Record Cash Hoard: Why and What's Next? Atlanticus reported net income attributable to common shareholders of $41.9 million, or $2.23 per diluted share. Howard said earnings per diluted share were up 50% year-over-year and 27% sequentially, while return on average equity was 26.8%. He also reiterated the company’s expectation to deliver earnings growth and returns on equity “at or above our targets of 20%.” Howard attributed outperformance versus the company’s internal acquisition plan primarily to faster execution of changes in account terms and stronger consumer response than modeled. “The adoption rate, and I’ll call it stickiness and response from consumers, has been better than modeled,” he said, adding that Atlanticus is seeing “better financial performance on that repricing than we had origi...

ATLANTA, April 30, 2026 (GLOBE NEWSWIRE) -- Atlanticus Holdings Corporation (NASDAQ: ATLC) (“Atlanticus,” the “Company,” “we,” “our” or “us”), a financial technology company that enables its bank, retail and healthcare partners to offer more inclusive financial services to millions of everyday Americans, today announced that it will host a conference call and live webcast to discuss its first quarter financial results and operating performance on Thursday, May 7, 2026 at 5:00 p.m. Eastern Time. The live webcast will be accessible at the Atlanticus Investor Relations website at https://investors.atlanticus.com/news-market-information/event-calendar, along with the Company’s first quarter earnings press release and first quarter investor presentation. An archived version of the webcast will be available on the Atlanticus Holdings Corporation Investor Relations website for 45 days. About Atlanticus Holdings Corporation Atlanticus Holdings Corporation empowers better financial outcomes for everyday Americans by enabling bank, retail, healthcare, and automotive partners to offer more inclusive financial solutions to consumers. Leveraging proprietary technology and advanced analytics, Atlanticus applies more than 30 years of operating experience, servicing over 20 million customers and more than $50 billion in consumer loans, to support lenders across a broad range of consumer credit products. For more information, visit www.atlanticus.com. Contact: Investor Relations, [email protected] Dan Mauch, [email protected] Sara Savarino, [email protected]

In recent weeks, Atlanticus Holdings has attracted bullish analyst coverage, including a Zacks Rank #2 (Buy) and Strong Buy broker consensus, highlighting its value credentials based on P/E, P/B and P/CF metrics versus industry peers. This contrast between upbeat external ratings and the company’s weaker multi‑year earnings trend and substantial leverage raises important questions about how much risk investors are willing to accept for perceived value. Against this backdrop of favorable analyst sentiment around valuation, we’ll now examine how this affects Atlanticus Holdings’ existing investment narrative. Find 53 companies with promising cash flow potential yet trading below their fair value. To own Atlanticus, you have to be comfortable with a lender focused on near prime and underserved borrowers, where earnings and returns depend heavily on credit quality and access to funding. Recent bullish analyst ratings and the stock’s strong price run do not materially change the near term focus on integrating Mercury, while the biggest current risk remains the company’s substantial leverage and reliance on wholesale funding to support its sizeable receivables book. Among recent announcements, the US$400 million 9.750% Senior Notes due 2030 stand out as most relevant. They underline how central external debt markets are to Atlanticus’s growth plans and balance sheet management, directly linking into both the valuation driven optimism in the latest analyst coverage and the key risk that higher funding costs or reduced market appetite could constrain receivables growth and weigh on earnings. By contrast, investors should also keep in mind the very high net debt to EBITDA level and what that means if funding conditions were to... Read the full narrative on Atlanticus Holdings (it's free!) Atlanticus Holdings' narrative projects $4.2 billion revenue and $359.3 million earnings by 2029. This requires 96.3% yearly revenue growth and about a $247.5 million earnings increase from $111.8 million today. Uncover how Atlanticus Holdings' forecasts yield a $92.40 fair value, a 16% upside to its current price. Some of the most optimistic analysts were assuming revenue could reach about US$4.5 billion and earnings US$378.0 million, a far more upbeat path than the cautious funding risk narrative the latest news brings into sharper focus, which is why your own view on these compet...

Let’s dig into the relative performance of Atlanticus Holdings (NASDAQ:ATLC) and its peers as we unravel the now-completed Q4 personal loan earnings season. Personal loan providers offer unsecured credit for various consumer needs. The sector benefits from digital application processes, increasing consumer comfort with online financial services, and opportunities in underserved credit segments. Headwinds include credit risk management in unsecured lending, regulatory oversight of lending practices, and intense competition affecting margins from both traditional and fintech lenders. The 9 personal loan stocks we track reported a strong Q4. As a group, revenues beat analysts’ consensus estimates by 2.8% while next quarter’s revenue guidance was 1% below. Amidst this news, share prices of the companies have had a rough stretch. On average, they are down 11.4% since the latest earnings results. Using data analytics to serve the millions of Americans with less-than-perfect credit scores, Atlanticus Holdings (NASDAQ:ATLC) provides technology and services that help lenders offer credit products to consumers often overlooked by traditional financing providers. Atlanticus Holdings reported revenues of $609.2 million, up 97.4% year on year. This print exceeded analysts’ expectations by 7.1%. Overall, it was an exceptional quarter for the company with a solid beat of analysts’ revenue and EPS estimates. 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 pla...

Atlanticus Holdings’ fourth-quarter results were met with a positive market reaction, reflecting both robust organic growth and the successful integration of its Mercury Financial acquisition. Management attributed the quarter’s outperformance to increased managed receivables, strong origination volume, and operating scale gains. CEO Jeff Howard highlighted that, even excluding the impact of Mercury, the company achieved notable growth in receivables and new account originations, underscoring core business momentum. The leadership team also emphasized the stability of consumer repayment trends and rational credit behavior among its customer base, despite a competitive market environment. Is now the time to buy ATLC? Find out in our full research report (it’s free). Revenue: $609.2 million vs analyst estimates of $568.6 million (97.4% year-on-year growth, 7.1% beat) Adjusted EPS: $1.75 vs analyst estimates of $1.57 (11.6% beat) Adjusted EBITDA: $48.84 million (8% margin, 21.1% year-on-year growth) Operating Margin: 7.6%, down from 12.8% in the same quarter last year Market Capitalization: $791 million While we enjoy listening to the management's commentary, our favorite part of earnings calls are the analyst questions. Those are unscripted and can often highlight topics that management teams would rather avoid or topics where the answer is complicated. Here is what has caught our attention. Vincent Kaintic (BTIG) asked for detail on Mercury integration progress and its timeline. CEO Jeff Howard explained that policy and pricing changes were implemented quickly, with full system integration targeted for completion within 18 months and earnings benefits accruing through 2027. Vincent Kaintic (BTIG) questioned funding structure resilience and the possibility of becoming a bank. Howard stated that Atlanticus has strong and diverse funding partners, sees no deterioration in funding access, and is evaluating the merits of pursuing a bank charter. Alex Howell (Stephens) inquired about the impact of tax refund season on receivables growth and credit trends. Howard responded that tax season is expected to follow normal patterns, with temporary paydowns followed by balance rebuilds and no unusual consumer stress anticipated. Zach (Citizens Capital Markets) asked about the effect of rising oil prices on customer budgets and portfolio resilience. Howard highlighted the c...