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    Atlanticus Holdings Corp

    Company overview

    Market capitalization
    $1.32B
    Employees
    576
    Latest publication
    2026-09-29
    About Atlanticus Holdings Corp

    Atlanticus Holdings Corporation, a financial technology company, provides products and services to lenders in the United States. The company operates in two segments, Credit as a Service (CaaS) and Auto Finance. Its CaaS segment offers private label credit products associated with the healthcare space under the Curae brand, as well as consumer electronics, furniture, elective medical procedures, and home-improvement under the Fortiva brand and its retail partners' brands; and general-purpose credit cards under the Aspire, Imagine, Mercury, and Fortiva brand names. The company's private label and general-purpose credit cards originated from its bank partners through various channels, including retail and healthcare point-of-sale locations, direct mail solicitation, and digital marketing and partnerships with third parties. This segment also offers loan servicing, such as risk management and customer service outsourcing for third parties, as well as engages in other product testing and investments. The Auto Finance segment purchases and/or services loans secured by automobiles from or for a pre-qualified network of independent automotive dealers and automotive finance companies in the buy-here and pay-here used car business. This segment also provides floor plan financing and installment lending products. The company was founded in 1996 and is headquartered in Atlanta, Georgia.

    Company website

    Financial statements

    Income Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ2 20262026-06-30 · USDQ1 20262026-03-31 · USDQ4 20252025-12-31 · USDQ3 20252025-09-30 · USDQ2 20252025-06-30 · USDQ1 20252025-03-31 · USDQ4 20242024-12-31 · USDQ3 20242024-09-30 · USD
    Total Revenue223,574,000USD679,589,000USD247,727,000USD178,801,000USD143,301,000USD134,669,000USD133,370,000USD119,416,000USD
    Cost Of Revenue57,863,000USD52,090,000USD127,461,000USD77,013,000USD55,066,000USD48,598,000USD51,715,000USD47,125,000USD
    Gross Profit686,460,000USD627,499,000USD120,266,000USD101,788,000USD88,235,000USD86,071,000USD81,655,000USD72,291,000USD
    Selling And Marketing Expenses48,130,000USD-36,473,000USD32,681,000USD35,301,000USD24,949,000USD20,334,000USD17,338,000USD14,848,000USD
    Total Operating Expenses48,130,000USD445,890,000USD74,046,000USD69,309,000USD48,089,000USD45,203,000USD41,788,000USD35,005,000USD
    Operating Income638,330,000USD181,609,000USD46,220,000USD32,479,000USD40,146,000USD40,868,000USD39,867,000USD37,286,000USD
    Total Other Income Expense Net-572,323,000USD-122,761,000USD-125,225,000USD33,095,000USD39,803,000USD40,575,000USD-46,072,000USD-42,492,000USD
    Interest Income744,314,000USD529,445,000USD538,478,000USD341,163,000USD276,350,000USD247,655,000USD251,702,000USD255,389,000USD
    Interest Expense123,431,000USD122,761,000USD125,225,000USD75,464,000USD53,684,000USD47,530,000USD44,670,000USD42,492,000USD
    Revenue Net Of Interest Expense223,574,000USD———————
    Non Interest Expense157,567,000USD———————
    Labor And Related Expense27,250,000USD———————
    Income Before Tax66,007,000USD58,848,000USD46,220,000USD32,479,000USD40,146,000USD40,868,000USD39,867,000USD37,286,000USD
    Income Tax Expense16,286,000USD14,271,000USD11,611,000USD7,891,000USD9,856,000USD9,746,000USD8,896,000USD8,097,000USD
    Net Income49,721,000USD44,175,000USD35,134,000USD24,977,000USD30,573,000USD31,520,000USD31,303,000USD29,543,000USD
    Minority Interest2,000USD-402,000USD525,000USD389,000USD283,000USD398,000USD332,000USD354,000USD
    Net Income Applicable To Common Shares47,411,000USD———————
    Selling General Administrative—65,119,000USD22,492,000USD18,196,000USD13,381,000USD15,503,000USD12,559,000USD12,299,000USD
    Unclassified Operating Expenses—417,244,000USD18,873,000USD15,812,000USD9,759,000USD9,366,000USD11,891,000USD7,858,000USD
    Net Interest Income—406,684,000USD413,253,000USD265,699,000USD222,666,000USD200,125,000USD207,032,000USD212,897,000USD
    Tax Provision—14,271,000USD11,611,000USD7,891,000USD9,856,000USD9,746,000USD8,896,000USD8,097,000USD
    Net Income From Continuing Ops—44,577,000USD34,609,000USD24,588,000USD30,290,000USD31,122,000USD30,971,000USD29,189,000USD
    Ebit—181,609,000USD46,220,000USD32,479,000USD40,146,000USD40,868,000USD39,867,000USD37,286,000USD
    Ebitda—185,195,000USD50,339,000USD34,969,000USD41,833,000USD42,468,000USD41,269,000USD38,567,000USD
    Depreciation And Amortization—3,586,000USD4,119,000USD2,490,000USD1,687,000USD1,600,000USD1,402,000USD1,281,000USD
    Reconciled Depreciation—5,070,000USD4,119,000USD2,490,000USD1,687,000USD1,600,000USD1,402,000USD1,281,000USD
    SourceDisclosureDeterministicFinalLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Income Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20232023-12-31 · USDFY 20222022-12-31 · USDFY 20212021-12-31 · USDFY 20202020-12-31 · USDFY 20192019-12-31 · USDFY 20182018-12-31 · USDFY 20152015-12-31 · USDFY 20062006-12-31 · USD
    Total Revenue365,679,000USD374,416,000USD453,926,000USD391,815,000USD407,826,000USD192,215,000USD90,323,000USD1,335,835,000USD
    Cost Of Revenue111,494,000USD83,103,000USD90,582,000USD194,267,000USD299,113,000USD137,783,000USD6,060,000USD565,051,000USD
    Gross Profit254,185,000USD291,313,000USD363,344,000USD197,548,000USD108,713,000USD54,432,000USD84,263,000USD770,784,000USD
    Research Development0USD0USD0USD0USD0USD0USD0USD—
    Selling General Administrative43,906,000USD43,063,000USD34,024,000USD29,079,000USD26,229,000USD23,430,000USD19,825,000USD50,211,000USD
    Selling And Marketing Expenses52,421,000USD62,403,000USD56,635,000USD35,012,000USD36,388,000USD12,124,000USD2,235,000USD—
    Unclassified Operating Expenses29,300,000USD36,575,000USD53,112,000USD19,066,000USD14,333,000USD15,396,000USD58,668,000USD552,643,000USD
    Total Operating Expenses125,627,000USD142,041,000USD143,771,000USD83,157,000USD76,950,000USD50,950,000USD80,728,000USD602,854,000USD
    Operating Income128,558,000USD149,272,000USD219,573,000USD114,391,000USD31,763,000USD3,482,000USD3,535,000USD167,930,000USD
    Interest Income866,291,000USD786,235,000USD518,783,000USD410,616,000USD261,218,000USD161,168,000USD——
    Interest Expense109,342,000USD81,851,000USD54,127,000USD51,548,000USD50,730,000USD36,896,000USD18,330,000USD52,472,000USD
    Net Interest Income765,566,000USD704,384,000USD464,656,000USD359,068,000USD210,488,000USD124,272,000USD——
    Income Before Tax128,558,000USD149,272,000USD219,573,000USD114,391,000USD31,763,000USD3,482,000USD3,535,000USD167,930,000USD
    Income Tax Expense26,604,000USD14,660,000USD41,784,000USD20,474,000USD5,553,000USD-4,130,000USD1,829,000USD60,455,000USD
    Tax Provision28,264,000USD14,660,000USD41,784,000USD20,474,000USD5,553,000USD-4,130,000USD1,829,000USD—
    Net Income102,845,000USD135,597,000USD177,902,000USD94,120,000USD26,443,000USD7,856,000USD1,713,000USD107,475,000USD
    Net Income From Continuing Ops99,371,000USD134,612,000USD177,789,000USD93,917,000USD26,210,000USD7,612,000USD1,706,000USD—
    Ebit128,558,000USD149,272,000USD219,573,000USD114,391,000USD31,763,000USD3,482,000USD3,535,000USD167,930,000USD
    Ebitda132,601,000USD154,120,000USD222,067,000USD122,343,000USD39,456,000USD4,469,000USD44,100,000USD205,789,000USD
    Depreciation And Amortization4,043,000USD4,848,000USD2,494,000USD7,952,000USD7,693,000USD987,000USD40,565,000USD37,859,000USD
    Reconciled Depreciation3,539,000USD4,848,000USD2,494,000USD7,952,000USD7,693,000USD987,000USD——
    Total Other Income Expense Net-129,290,000USD-81,851,000USD-83,566,000USD-51,548,000USD-94,054,000USD-38,888,000USD-4,802,000USD-12,898,000USD
    Minority Interest1,161,000USD-985,000USD-113,000USD98,576,000USD-233,000USD-338,000USD-7,000USD12,898,000USD
    Net Income Applicable To Common Shares—110,521,000USD155,539,000USD77,050,000USD25,290,000USD7,856,000USD1,713,000USD107,475,000USD
    Non Operating Income Net Other——-29,439,000USD—1,001,000USD581,000USD——
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Balance sheet Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ2 20262026-06-30 · USDQ1 20262026-03-31 · USDQ4 20252025-12-31 · USDQ3 20252025-09-30 · USDQ2 20252025-06-30 · USDQ1 20252025-03-31 · USDQ4 20242024-12-31 · USDQ3 20242024-09-30 · USD
    Total Assets7,491,770,000USD7,465,034,000USD7,623,088,000USD7,079,732,000USD3,643,175,000USD3,272,165,000USD3,270,707,000USD3,039,964,000USD
    Cash And Equivalents555,215,000USD———————
    Total Liabilities6,754,294,000USD———————
    Total Stockholder Equity701,879,000USD688,435,000USD608,700,000USD629,343,999USD563,324,000USD532,712,000USD492,906,000USD457,723,000USD
    Total Equity Including Noncontrolling Interest697,476,000USD———————
    Property Plant Equipment Net24,753,000USD26,338,000USD27,693,000USD29,022,000USD27,355,000USD26,245,000USD24,397,000USD20,716,000USD
    Intangible Assets25,130,000USD27,699,000USD30,268,000USD31,889,000USD————
    Common Stock0USD———————
    Retained Earnings595,702,000USD548,291,000USD506,424,000USD473,595,000USD450,925,000USD422,574,000USD394,628,000USD368,337,000USD
    Total Liab—6,781,064,000USD7,019,258,000USD6,454,923,000USD3,083,997,000USD2,743,316,000USD2,781,344,000USD2,585,502,000USD
    Other Current Liab—-168,463,000USD5,479,818,000USD-393,943,000USD-132,827,000USD-123,775,000USD-114,068,000USD-105,214,000USD
    Capital Stock—0USD0USD0USD0USD0USD0USD0USD
    Other Assets—6,618,761,000USD6,810,309,000USD6,506,342,000USD3,146,244,000USD2,796,872,000USD2,757,193,000USD2,644,215,000USD
    Cash—804,059,000USD621,093,000USD425,023,000USD329,421,000USD350,390,000USD375,416,000USD308,651,000USD
    Cash And Short Term Investments—804,059,000USD621,093,000USD425,023,000USD329,421,000USD350,390,000USD375,416,000USD308,651,000USD
    Total Current Assets—804,059,000USD767,407,000USD425,023,000USD329,421,000USD350,390,000USD375,416,000USD308,651,000USD
    Total Current Liabilities—78,426,000USD436,652,000USD68,649,000USD112,791,000USD81,108,000USD72,088,000USD59,563,000USD
    Net Debt—5,550,204,000USD5,921,513,000USD5,635,957,000USD2,468,958,000USD2,148,043,000USD2,129,772,000USD1,997,099,000USD
    Short Term Debt—78,426,000USD79,712,000USD68,649,000USD78,686,000USD—92,146,000USD163,260,000USD
    Short Long Term Debt Total—6,354,263,000USD6,542,606,000USD6,060,980,000USD2,798,379,000USD2,498,433,000USD2,505,188,000USD2,305,750,000USD
    Long Term Debt—6,329,810,000USD6,517,323,000USD6,035,056,000USD2,774,398,000USD2,474,288,000USD2,481,000,000USD2,286,304,000USD
    Accounts Payable—258,338,000USD284,514,000USD253,081,000USD112,791,000USD81,108,000USD72,088,000USD59,563,000USD
    Property Plant Equipment Gross—26,338,000USD40,457,000USD29,022,000USD27,355,000USD26,245,000USD33,747,000USD20,716,000USD
    Common Stock Shares Outstanding—19,187,000shares19,187,000shares19,187,000shares19,187,000shares18,939,436shares18,939,436shares18,808,000shares
    Non Current Assets Total—6,660,975,000USD6,855,681,000USD6,654,709,000USD3,313,754,000USD2,921,775,000USD2,895,291,000USD2,731,313,000USD
    Non Current Liabilities Total—6,702,638,000USD6,582,606,000USD6,386,274,000USD2,971,206,000USD2,662,208,000USD2,709,256,000USD2,525,939,000USD
    Non Currrent Assets Other—74,098,000USD66,954,000USD158,785,000USD199,664,000USD145,789,000USD156,288,000USD109,869,000USD
    Unclassified Non Current Assets—-85,921,000USD-79,543,000USD-71,329,000USD-59,509,000USD-47,131,000USD-42,587,000USD-43,487,000USD
    Unclassified Current Liabilities—-258,338,000USD-5,407,392,000USD-253,081,000USD-78,686,000USD—-92,146,000USD-163,260,000USD
    Unclassified Non Current Liabilities—372,828,000USD—351,218,000USD196,808,000USD187,920,000USD228,256,000USD239,635,000USD
    Unclassified Equity—140,144,000USD102,276,000USD155,748,999USD112,399,000USD110,138,000USD98,278,000USD89,386,000USD
    Other Current Assets——146,314,000USD——111,059,000USD124,220,000USD—
    Unclassified Current Assets—————-111,059,000USD-124,220,000USD-76,058,000USD
    Short Term Investments———————76,058,000USD
    SourceDisclosureDeterministicFinalLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Balance sheet Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20252025-12-31 · USDFY 20242024-12-31 · USDFY 20232023-12-31 · USDFY 20222022-12-31 · USDFY 20212021-12-31 · USDFY 20202020-12-31 · USDFY 20192019-12-31 · USDFY 20182018-12-31 · USD
    Total Assets7,623,088,000USD3,270,707,000USD2,706,445,000USD2,387,814,000USD1,943,863,000USD1,207,214,000USD936,266,000USD582,608,000USD
    Intangible Assets30,268,000USD———————
    Other Current Assets146,314,000USD—27,417,000USD-433,192,000USD-506,628,000USD-258,961,000USD-176,394,000USD-141,754,000USD
    Total Liab7,019,258,000USD2,781,344,000USD2,314,028,000USD2,022,774,000USD1,616,364,000USD1,090,704,000USD895,931,000USD604,737,000USD
    Total Stockholder Equity608,700,000USD492,906,000USD394,675,000USD365,040,000USD327,499,000USD116,510,000USD40,335,000USD-22,129,000USD
    Other Current Liab5,479,818,000USD-114,068,000USD-85,826,000USD60,689,000USD-1,254,425,000USD-859,849,000USD-685,081,000USD-392,681,000USD
    Capital Stock0USD0USD0USD40,000,000USD40,000,000USD40,000,000USD40,000,000USD—
    Retained Earnings506,424,000USD394,628,000USD307,260,000USD204,415,000USD60,236,000USD-117,666,000USD-211,786,000USD-238,784,000USD
    Other Assets6,810,309,000USD2,757,193,000USD27,853,000USD-1,730,695,000USD1,522,852,000USD1,016,276,000USD781,997,000USD90,873,000USD
    Cash621,093,000USD375,416,000USD339,338,000USD384,984,000USD409,660,000USD178,102,000USD135,483,000USD61,092,000USD
    Cash And Short Term Investments621,093,000USD375,416,000USD339,338,000USD384,984,000USD409,660,000USD178,102,000USD135,483,000USD61,092,000USD
    Total Current Assets767,407,000USD375,416,000USD339,338,000USD4,106,727,000USD409,660,000USD178,102,000USD135,483,000USD485,634,000USD
    Total Current Liabilities436,652,000USD72,088,000USD61,634,000USD1,762,249,000USD42,287,000USD41,731,000USD41,617,000USD105,765,000USD
    Net Debt5,921,513,000USD2,129,772,000USD1,686,980,000USD1,432,819,000USD1,016,997,000USD745,589,000USD663,996,000USD437,628,000USD
    Short Term Debt79,712,000USD92,146,000USD64,748,000USD1,673,418,000USD1,283,706,000USD899,305,000USD775,388,000USD436,578,000USD
    Short Long Term Debt Total6,542,606,000USD2,505,188,000USD2,026,318,000USD3,471,109,000USD2,705,521,000USD1,806,301,000USD1,548,688,000USD935,298,000USD
    Long Term Debt6,517,323,000USD2,481,000,000USD2,006,138,000USD1,797,691,000USD1,421,815,000USD909,915,000USD773,300,000USD498,720,000USD
    Accounts Payable284,514,000USD72,088,000USD61,634,000USD44,332,000USD42,287,000USD41,731,000USD41,617,000USD105,765,000USD
    Property Plant Equipment Net27,693,000USD24,397,000USD22,755,000USD21,795,000USD11,351,000USD11,421,000USD16,829,000USD3,625,000USD
    Property Plant Equipment Gross40,457,000USD33,747,000USD29,678,000USD26,353,000USD27,391,000USD11,421,000USD16,829,000USD3,625,000USD
    Common Stock Shares Outstanding19,187,000shares18,801,000shares18,882,000shares19,376,000shares20,898,000shares20,102,000shares15,273,000shares14,002,000shares
    Non Current Assets Total6,855,681,000USD2,895,291,000USD2,367,107,000USD11,782,000USD11,351,000USD12,836,000USD18,786,000USD6,101,000USD
    Non Current Liabilities Total6,582,606,000USD2,709,256,000USD2,252,394,000USD160,575,000USD1,426,657,000USD923,691,000USD799,479,000USD498,720,000USD
    Non Currrent Assets Other66,954,000USD156,288,000USD72,168,000USD-2,397,827,000USD-1,943,863,000USD-12,836,000USD-18,786,000USD-6,101,000USD
    Unclassified Non Current Assets-79,543,000USD-42,587,000USD2,244,331,000USD-1,915,423,000USD-2,933,087,000USD-1,016,276,000USD-1,507,956,000USD-90,873,000USD
    Unclassified Current Liabilities-5,407,392,000USD-92,146,000USD-64,748,000USD—-1,283,706,000USD-899,305,000USD-775,388,000USD-436,578,000USD
    Unclassified Equity102,276,000USD98,278,000USD87,415,000USD120,625,000USD227,263,000USD194,176,000USD122,736,000USD209,539,000USD
    Unclassified Non Current Liabilities—228,256,000USD246,256,000USD-1,657,228,000USD———-5,651,000USD
    Current Deferred Revenue——-17,861,000USD-16,190,000USD-29,281,000USD-39,456,000USD-90,307,000USD-43,897,000USD
    Net Receivables——2,272,184,000USD3,721,743,000USD2,849,751,000USD1,879,930,000USD1,542,225,000USD424,542,000USD
    Inventory——383,653,000USD433,192,000USD-2,343,123,000USD-1,620,969,000USD-1,365,831,000USD141,754,000USD
    Accumulated Other Comprehensive Income——0USD0USD0USD0USD89,385,000USD3,558,000USD
    Unclassified Current Assets——-2,683,254,000USD-433,192,000USD-2,849,751,000USD-1,879,930,000USD-1,542,225,000USD-141,754,000USD
    Long Term Investments———1,905,410,000USD1,410,235,000USD1,415,000USD727,916,000USD2,476,000USD
    Non Current Liabilities Other———20,112,000USD4,842,000USD16,695,000USD26,179,000USD5,651,000USD
    Net Tangible Assets———466,361,000USD427,649,000USD77,284,000USD89,956,000USD-21,791,000USD
    Common Stock———————3,558,000USD
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Cash flow Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ1 20262026-03-31 · USDQ4 20252025-12-31 · USDQ3 20252025-09-30 · USDQ2 20252025-06-30 · USDQ1 20252025-03-31 · USDQ4 20242024-12-31 · USDQ3 20242024-09-30 · USDQ2 20242024-06-30 · USD
    Net Income44,175,000USD34,609,000USD24,588,000USD30,290,000USD31,122,000USD31,303,000USD28,685,000USD24,280,000USD
    Depreciation3,586,000USD4,119,000USD2,490,000USD1,687,000USD1,600,000USD752,000USD1,281,000USD4,371,000USD
    Stock Based Compensation1,393,000USD1,557,000USD920,000USD948,000USD870,000USD928,000USD979,000USD1,100,000USD
    Other Non Cash Items339,187,000USD386,826,000USD224,092,000USD155,043,000USD142,458,000USD171,793,000USD178,713,000USD137,851,000USD
    Change In Working Capital-100,603,000USD-172,296,000USD-152,438,000USD-65,046,000USD-54,130,000USD-82,174,000USD-97,294,000USD-51,959,000USD
    Total Cash From Operating Activities286,345,000USD266,251,000USD107,452,000USD132,688,000USD131,572,000USD122,602,000USD112,364,000USD115,643,000USD
    Capital Expenditures-250,000USD-144,000USD-58,000USD-2,143,000USD-2,679,000USD-1,596,000USD-131,000USD-67,000USD
    Free Cash Flow286,095,000USD266,107,000USD107,394,000USD130,545,000USD128,893,000USD121,006,000USD112,495,000USD115,576,000USD
    Total Cashflows From Investing Activities-51,211,000USD-484,537,000USD-506,908,000USD-405,526,000USD-114,893,000USD-175,995,000USD-306,287,000USD-197,217,000USD
    Net Borrowings-192,649,000USD476,899,000USD442,027,000USD295,521,000USD-10,313,000USD191,309,000USD204,502,000USD—
    Total Cash From Financing Activities-198,482,000USD459,756,000USD442,158,000USD294,624,000USD-54,866,000USD168,320,000USD171,469,000USD6,434,000USD
    Dividends Paid-2,308,000USD-2,303,000USD-2,299,000USD-2,210,000USD-5,621,000USD-6,003,000USD-7,238,000USD-6,241,000USD
    Sale Purchase Of Stock-3,831,000USD-16,381,000USD-25,000USD-1,915,000USD-51,246,000USD-25,034,000USD-25,824,000USD-1,273,000USD
    Issuance Of Capital Stock12,000USD478,000USD2,298,000USD3,158,000USD11,901,000USD7,085,000USD0USD0USD
    Change In Cash36,652,000USD241,470,000USD42,702,000USD21,786,000USD-38,187,000USD114,927,000USD-22,454,000USD-75,140,000USD
    Begin Period Cash Flow767,407,000USD525,937,000USD483,235,000USD461,449,000USD499,636,000USD384,709,000USD407,163,000USD482,303,000USD
    End Period Cash Flow804,059,000USD767,407,000USD525,937,000USD483,235,000USD461,449,000USD499,636,000USD384,709,000USD407,163,000USD
    Other Cashflows From Investing Activities21,270,000USD-484,393,000USD-506,850,000USD-403,383,000USD-112,214,000USD-174,399,000USD-594,485,000USD11,595,000USD
    Other Cashflows From Financing Activities3,000USD190,000USD2,455,000USD3,157,000USD726,000USD974,000USD29,000USD45,000USD
    Unclassified Investing Cash Flow-72,231,000USD—506,908,000USD405,526,000USD114,893,000USD175,995,000USD594,613,000USD-11,528,000USD
    Change To Account Receivables—-180,382,000USD-121,922,000USD-82,306,000USD-62,324,000USD67,791,000USD—-67,791,000USD
    Unclassified Operating Cash Flow—11,436,000USD7,800,000USD9,766,000USD9,652,000USD———
    Investments——-506,908,000USD-405,526,000USD-114,893,000USD-175,995,000USD-306,284,000USD-197,217,000USD
    Unclassified Financing Cash Flow————11,588,000USD7,074,000USD—13,903,000USD
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Cash flow Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20252025-12-31 · USDFY 20242024-12-31 · USDFY 20232023-12-31 · USDFY 20222022-12-31 · USDFY 20212021-12-31 · USDFY 20202020-12-31 · USDFY 20192019-12-31 · USDFY 20182018-12-31 · USD
    Net Income120,609,000USD111,296,000USD102,845,000USD134,612,000USD177,789,000USD93,917,000USD26,210,000USD7,612,000USD
    Depreciation9,896,000USD17,015,000USD4,043,000USD4,848,000USD2,494,000USD7,952,000USD7,693,000USD987,000USD
    Stock Based Compensation4,295,000USD3,897,000USD3,783,000USD4,167,000USD3,240,000USD1,355,000USD1,712,000USD1,323,000USD
    Other Non Cash Items909,181,000USD577,395,000USD549,266,000USD442,190,000USD208,716,000USD98,855,000USD-12,244,000USD-3,305,000USD
    Change To Account Receivables-446,934,000USD—-247,353,000USD—-83,926,000USD-43,319,000USD1,765,000USD-8,754,000USD
    Change In Working Capital-444,672,000USD-270,691,000USD-238,445,000USD-239,687,000USD-84,000,000USD-26,343,000USD-53,826,000USD9,322,000USD
    Total Cash From Operating Activities637,963,000USD469,405,000USD459,317,000USD346,130,000USD212,366,000USD212,734,000USD99,963,000USD42,856,000USD
    Capital Expenditures-5,024,000USD-1,789,000USD-3,992,000USD-4,852,000USD-7,089,000USD-749,000USD-250,000USD-1,383,000USD
    Free Cash Flow632,939,000USD467,616,000USD455,325,000USD341,278,000USD205,277,000USD211,985,000USD99,713,000USD41,473,000USD
    Total Cashflows From Investing Activities-1,511,864,000USD-747,031,000USD-672,203,000USD-680,785,000USD-475,022,000USD-292,575,000USD-433,689,000USD-134,518,000USD
    Net Borrowings1,204,134,000USD462,979,000USD201,401,000USD370,774,000USD479,814,000USD127,973,000USD281,022,000USD162,420,000USD
    Total Cash From Financing Activities1,141,672,000USD393,609,000USD163,345,000USD261,255,000USD510,328,000USD162,385,000USD368,720,000USD161,747,000USD
    Dividends Paid-12,433,000USD-25,741,000USD-24,910,000USD-24,793,000USD-21,809,000USD-13,561,000USD-40,000,000USD-13,561,000USD
    Sale Purchase Of Stock-69,567,000USD-52,674,000USD-17,673,000USD-89,008,000USD-25,219,000USD-3,353,000USD-2,517,000USD-723,000USD
    Issuance Of Capital Stock17,835,000USD8,156,000USD1,364,000USD437,000USD75,270,000USD90,000,000USD40,000,000USD—
    Change In Cash267,771,000USD115,983,000USD-49,539,000USD-73,436,000USD247,667,000USD82,567,000USD34,640,000USD71,096,000USD
    Begin Period Cash Flow499,636,000USD383,653,000USD433,192,000USD506,628,000USD258,961,000USD176,394,000USD141,754,000USD70,658,000USD
    End Period Cash Flow767,407,000USD499,636,000USD383,653,000USD433,192,000USD506,628,000USD258,961,000USD176,394,000USD141,754,000USD
    Other Cashflows From Investing Activities-1,433,977,000USD-745,242,000USD-668,211,000USD-4,852,000USD-5,989,000USD13,781,000USD-433,439,000USD-135,484,000USD
    Other Cashflows From Financing Activities268,000USD1,971,000USD4,527,000USD684,372,000USD387,000USD50,000,000USD963,555,000USD50,000USD
    Unclassified Operating Cash Flow38,654,000USD30,493,000USD37,825,000USD—-95,873,000USD36,998,000USD130,418,000USD26,917,000USD
    Unclassified Investing Cash Flow-72,863,000USD747,031,000USD617,350,000USD—7,089,000USD-306,605,000USD433,439,000USD135,484,000USD
    Unclassified Financing Cash Flow19,270,000USD7,074,000USD—-680,090,000USD77,155,000USD—-833,340,000USD13,561,000USD
    Investments—-747,031,000USD-617,350,000USD-675,933,000USD-469,033,000USD998,000USD-433,439,000USD-133,135,000USD
    Change To Liabilities———14,672,000USD27,843,000USD-3,096,000USD-47,187,000USD-14,291,000USD
    Cash And Cash Equivalents Changes———-73,400,000USD247,667,000USD82,567,000USD34,640,000USD71,096,000USD
    Exchange Rate Changes————-5,000USD23,000USD-354,000USD1,011,000USD
    Change To Inventory—————20,147,000USD5,533,000USD-8,880,000USD
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Operating metrics

    No operating metrics are currently published for this company.

    Revenue breakdown

    PeriodDimensionBusiness / regionRevenueCurrencySource
    Q2 2026Quarterly · 2026-06-30SegmentAuto Finance203,000USDDisclosure
    Q2 2026Quarterly · 2026-06-30SegmentCredit And Other Investments103,509,000USDDisclosure
    Q1 2026Quarterly · 2026-03-31SegmentAuto Finance212,000USD0001437749-26-015592
    Q1 2026Quarterly · 2026-03-31SegmentCredit And Other Investments71,698,000USD0001437749-26-015592
    Q4 2025Quarterly · 2025-12-31SegmentAuto Finance223,000USDLegacy provider
    Q4 2025Quarterly · 2025-12-31SegmentCredit And Other Investments86,004,000USDLegacy provider
    FY 2025Yearly · 2025-12-31SegmentAuto Finance762,000USD0001437749-26-007972
    FY 2025Yearly · 2025-12-31SegmentCredit And Other Investments308,814,000USD0001437749-26-007972
    Q3 2025Quarterly · 2025-09-30SegmentAuto Finance187,000USD0001437749-25-033947
    Q3 2025Quarterly · 2025-09-30SegmentCredit And Other Investments84,977,000USD0001437749-25-033947
    Q2 2025Quarterly · 2025-06-30SegmentAuto Finance173,000USD0001437749-25-025502
    Q2 2025Quarterly · 2025-06-30SegmentCredit And Other Investments85,558,000USD0001437749-25-025502
    Q1 2025Quarterly · 2025-03-31SegmentAuto Finance179,000USD0001437749-26-015592
    Q1 2025Quarterly · 2025-03-31SegmentCredit And Other Investments52,275,000USD0001437749-26-015592
    Q4 2024Quarterly · 2024-12-31SegmentAuto Finance187,000USDLegacy provider
    Q4 2024Quarterly · 2024-12-31SegmentCredit And Other Investments48,883,000USDLegacy provider
    FY 2024Yearly · 2024-12-31SegmentAuto Finance809,000USD0001437749-26-007972
    FY 2024Yearly · 2024-12-31SegmentCredit And Other Investments203,905,000USD0001437749-26-007972
    Q3 2024Quarterly · 2024-09-30SegmentAuto Finance199,000USD0001437749-25-033947
    Q3 2024Quarterly · 2024-09-30SegmentCredit And Other Investments62,703,000USD0001437749-25-033947
    FY 2023Yearly · 2023-12-31SegmentAuto Finance824,000USD0001437749-25-007559
    FY 2023Yearly · 2023-12-31SegmentCredit And Other Investments160,029,000USD0001437749-25-007559
    Q3 2023Quarterly · 2023-09-30ProductCredit And Debit Card5,790,000USD0001437749-24-033997
    Q3 2023Quarterly · 2023-09-30ProductService Charges And Other Customer Related Fees3,466,000USD0001437749-24-033997
    Q3 2023Quarterly · 2023-09-30ProductServicing Income1,122,000USD0001437749-24-033997
    Q2 2023Quarterly · 2023-06-30ProductCredit And Debit Card5,003,000USD0001437749-24-025592
    Q2 2023Quarterly · 2023-06-30ProductService Charges And Other Customer Related Fees2,007,000USD0001437749-24-025592
    Q2 2023Quarterly · 2023-06-30ProductServicing Income825,000USD0001437749-24-025592
    Q1 2023Quarterly · 2023-03-31ProductCredit And Debit Card4,616,000USD0001437749-24-016032
    Q1 2023Quarterly · 2023-03-31ProductService Charges And Other Customer Related Fees1,412,000USD0001437749-24-016032
    Q1 2023Quarterly · 2023-03-31ProductServicing Income896,000USD0001437749-24-016032
    FY 2022Yearly · 2022-12-31SegmentAuto Finance955,000USD0001437749-24-006440
    FY 2022Yearly · 2022-12-31SegmentCredit And Other Investments41,843,000USD0001437749-24-006440
    Q4 2022Quarterly · 2022-12-31ProductCredit And Debit Card5,653,000USDLegacy provider
    Q4 2022Quarterly · 2022-12-31ProductService Charges And Other Customer Related Fees2,187,000USDLegacy provider
    Q4 2022Quarterly · 2022-12-31ProductServicing Income942,000USDLegacy provider
    FY 2022Yearly · 2022-12-31ProductCredit And Debit Card24,926,000USD0001437749-24-006440
    FY 2022Yearly · 2022-12-31ProductService Charges And Other Customer Related Fees13,725,000USD0001437749-24-006440
    FY 2022Yearly · 2022-12-31ProductServicing Income4,147,000USD0001437749-24-006440
    Q3 2022Quarterly · 2022-09-30ProductCredit And Debit Card6,194,000USD0001437749-23-031049
    Q3 2022Quarterly · 2022-09-30ProductService Charges And Other Customer Related Fees4,052,000USD0001437749-23-031049
    Q3 2022Quarterly · 2022-09-30ProductServicing Income1,094,000USD0001437749-23-031049
    Q2 2022Quarterly · 2022-06-30ProductCredit And Debit Card7,381,000USD0001437749-23-022821
    Q2 2022Quarterly · 2022-06-30ProductService Charges And Other Customer Related Fees4,000,000USD0001437749-23-022821
    Q2 2022Quarterly · 2022-06-30ProductServicing Income1,029,000USD0001437749-23-022821
    Q1 2022Quarterly · 2022-03-31ProductCredit And Debit Card5,698,000USD0001437749-23-013342
    Q1 2022Quarterly · 2022-03-31ProductService Charges And Other Customer Related Fees3,486,000USD0001437749-23-013342
    Q1 2022Quarterly · 2022-03-31ProductServicing Income1,082,000USD0001437749-23-013342
    FY 2021Yearly · 2021-12-31SegmentAuto Finance1,284,000USD0001437749-23-006513
    FY 2021Yearly · 2021-12-31SegmentCredit And Other Investments29,322,000USD0001437749-23-006513
    Q4 2021Quarterly · 2021-12-31ProductCredit And Debit Card5,967,000USDLegacy provider
    Q4 2021Quarterly · 2021-12-31ProductService Charges And Other Customer Related Fees3,213,000USDLegacy provider
    Q4 2021Quarterly · 2021-12-31ProductServicing Income880,000USDLegacy provider
    FY 2021Yearly · 2021-12-31ProductCredit And Debit Card18,134,000USD0001437749-23-006513
    FY 2021Yearly · 2021-12-31ProductService Charges And Other Customer Related Fees9,377,000USD0001437749-23-006513
    FY 2021Yearly · 2021-12-31ProductServicing Income3,095,000USD0001437749-23-006513
    FY 2020Yearly · 2020-12-31SegmentAuto Finance1,059,000USD0001437749-23-006513
    FY 2020Yearly · 2020-12-31SegmentCredit And Other Investments14,372,000USD0001437749-23-006513
    FY 2020Yearly · 2020-12-31ProductCredit And Debit Card9,500,000USD0001437749-23-006513
    FY 2020Yearly · 2020-12-31ProductService Charges And Other Customer Related Fees3,750,000USD0001437749-23-006513
    FY 2020Yearly · 2020-12-31ProductServicing Income2,181,000USD0001437749-23-006513
    FY 2019Yearly · 2019-12-31SegmentAuto Finance995,000USD0001437749-21-007849
    FY 2019Yearly · 2019-12-31SegmentCredit And Other Investments12,759,000USD0001437749-21-007849
    FY 2019Yearly · 2019-12-31ProductCredit And Debit Card8,495,000USD0001437749-21-007849
    FY 2019Yearly · 2019-12-31ProductService Charges And Other Customer Related Fees3,473,000USD0001437749-21-007849
    FY 2019Yearly · 2019-12-31ProductServicing Income1,786,000USD0001437749-21-007849
    FY 2018Yearly · 2018-12-31SegmentAuto Finance1,091,000USD0001437749-20-006586
    FY 2018Yearly · 2018-12-31SegmentCredit And Other Investments4,465,000USD0001437749-20-006586
    FY 2018Yearly · 2018-12-31ProductCredit And Debit Card2,881,000USD0001437749-20-006586
    FY 2018Yearly · 2018-12-31ProductService Charges And Other Customer Related Fees706,000USD0001437749-20-006586
    FY 2018Yearly · 2018-12-31ProductServicing Income1,969,000USD0001437749-20-006586
    FY 2017Yearly · 2017-12-31ProductCredit And Debit Card1,345,000USD0001437749-19-005717
    FY 2017Yearly · 2017-12-31ProductService Charges And Other Customer Related Fees74,000USD0001437749-19-005717
    FY 2017Yearly · 2017-12-31ProductServicing Income3,854,000USD0001437749-19-005717

    Periods follow company fiscal calendars. Quarterly, annual and year-to-date amounts are shown separately. Missing values are not zero. Data may be delayed, incomplete or corrected; follow the disclosure links to verify figures.