ATLC FY 2024 Earnings Report — Atlanticus Holdings Corporation Revenue & Financial Results | Market Cap Arena

Atlanticus Holdings CorporationATLC

FY 2024 Earnings

Reported December 12, 2025

Quarter Comparison

Revenue

Operating Income

Gross Margin

Net Margin

EPS (Diluted)

Free Cash Flow

Metric	FY 2024	Prior Q	FY 2023	QoQ Change	YoY Change
Revenue	$460M	—	$366M	—	25.7%
Op. Income	$139M	—	$129M	—	7.8%
Gross Margin	61.6%	—	69.5%	—	-7.9pp
Net Margin	24.2%	—	28.1%	—	-3.9pp
EPS (Diluted)	$4.77	—	$4.24	—	12.5%
Free Cash Flow	$468M	—	$455M	—	2.7%

Revenue Flow

Item	Amount
REVENUE	$460M
Cost of Revenue	$177M
GROSS PROFIT	$283M
R&D Expenses	$0
Selling & Marketing	$56M
General & Administrative	$50M
SG&A Expenses	$106M
Other Expenses	$38M
Operating Expenses	$144M
Cost & Expenses	$321M
OPERATING INCOME	$139M
Interest Income	$980M
Interest Expense	$160M
Other Income/Expenses	$0
INCOME BEFORE TAX	$139M
Income Tax Expense	$28M
Net Income from Continuing Ops	$110M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$111M
Net Income Deductions	-$2M
BOTTOM LINE NET INCOME	$90M
D&A	$5M
EBIT	$139M
EBITDA	$144M
EPS	$6
EPS Diluted	$5

Income Statement

Item	Amount
REVENUE	$460M
Cost of Revenue	$177M
GROSS PROFIT	$283M
R&D Expenses	$0
Selling & Marketing	$56M
General & Administrative	$50M
SG&A Expenses	$106M
Other Expenses	$38M
Operating Expenses	$144M
Cost & Expenses	$321M
OPERATING INCOME	$139M
Interest Income	$980M
Interest Expense	$160M
Other Income/Expenses	$0
INCOME BEFORE TAX	$139M
Income Tax Expense	$28M
Net Income from Continuing Ops	$110M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$111M
Net Income Deductions	-$2M
BOTTOM LINE NET INCOME	$90M
D&A	$5M
EBIT	$139M
EBITDA	$144M
EPS	$6
EPS Diluted	$5

Cash Flow Statement

Item	Amount
Net Income	$111M
Depreciation & Amortization	$17M
Stock-Based Compensation	$4M
Deferred Income Tax	$30M
Other Non-Cash Items	$577M
Change in Working Capital	-$271M
OPERATING CASH FLOW	$469M
Capital Expenditure	-$2M
Acquisitions (Net)	$0
Purchases of Investments	$0
Sales/Maturities of Investments	$0
Other Investing Activities	-$745M
NET CASH FROM INVESTING	-$747M
Net Debt Issuance	$463M
Common Stock Repurchased	-$53M
Common Dividends Paid	-$26M
Other Financing Activities	$889.0K
NET CASH FROM FINANCING	$394M
FREE CASH FLOW	$468M
Net Change in Cash	$116M

Balance Sheet

Item	Amount
Cash & Equivalents	$375M
Short-Term Investments	$0
Net Receivables	$0
Inventory	$0
Other Current Assets	$0
TOTAL CURRENT ASSETS	$375M
PP&E (Net)	$24M
Goodwill	$0
Intangible Assets	$0
Long-Term Investments	$2.7B
Tax Assets	$0
Other Non-Current Assets	$156M
TOTAL NON-CURRENT ASSETS	$2.9B
TOTAL ASSETS	$3.3B
Account Payables	$72M
Short-Term Debt	$0
Deferred Revenue	$0
Other Current Liabilities	$0
TOTAL CURRENT LIABILITIES	$72M
Long-Term Debt	$2.5B
Deferred Revenue NC	$0
Deferred Tax Liabilities	$0
Other Non-Current Liabilities	$204M
TOTAL NON-CURRENT LIABILITIES	$2.7B
TOTAL LIABILITIES	$2.8B
Common Stock	$0
Additional Paid-In Capital	$98M
Retained Earnings	$395M
Treasury Stock	$0
Accum. Other Comp. Income	$0
Other Equity	$0
TOTAL STOCKHOLDERS' EQUITY	$493M
Minority Interest	-$4M
TOTAL EQUITY	$489M
TOTAL LIABILITIES & EQUITY	$3.3B
Total Debt	$2.5B
Net Debt	$2.1B