Atlanticus Holdings (ATLC)
NASDAQ:ATLC
Earnings Data
Report Date
May 12, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
1.69Last Year’s EPS
1.49Same Quarter Last Year
Strong Buy
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call highlighted strong, transformational growth driven by the Mercury acquisition and robust organic origination, with double-digit EPS and revenue growth, high ROE and ample liquidity. Management reported integration progress, sizable long-term accretion ($2–$4 per share target for 2027) and multi-year historic growth rates. Near-term headwinds include higher operating and interest expenses, an initial fair value mark decline (~60 bps), softer marketing efficiency amid competition, and a multi-quarter timeline to fully realize synergies and repricing benefits as legacy protected balances season out. On balance, the positives around scale, earnings growth, capital position, and integration execution materially outweigh the manageable short-term challenges.Company Guidance
Transformative Mercury Acquisition and Scale Expansion
Completed acquisition of Mercury Financial, doubling the balance sheet to $7.0 billion, adding >1.3 million customers and a $3.0 billion portfolio to optimize; integration ahead of plan with anticipated full realization of synergies through 2027–2028.
Strong Earnings and EPS Growth
Diluted EPS grew 23% year-over-year in 4Q25 and grew 25% for the full year 2025; net income attributable to common shareholders increased ~25% YoY to $32.8 million in 4Q25, or $1.75 per diluted share.
Robust Revenue and Top-Line Expansion
Total operating revenue and other income rose 107% YoY to $734.0 million in 4Q25 (driven largely by Mercury and receivable expansion); full-year revenue increased 27% YoY and 4Q revenue rose 35% YoY; FY2025 revenue was just under $2.0 billion.
Record Origination and Purchase Volume
New account originations increased 73% YoY to >2.2 million for the year and were up 56% in 4Q YoY; purchase volume increased 54% in the quarter YoY and 32% for the year, contributing to record receivables and accounts served.
Disciplined Returns and Capital Position
Return on average equity remained above 20% (approx. 22% in the quarter); maintained >$600 million of unrestricted cash at year-end and nearly $1.0 billion of committed/undrawn warehouse lines supporting diversified funding.
Historic Multi-Year Growth Rates
Five-year growth: managed receivables grew from $1.1B to $7.0B (CAGR ~45%); revenue grew from $560M to ~ $2.0B (CAGR ~28%); customers served grew from 1.2M to ~6.0M (CAGR ~38%).
Operational Progress and Portfolio Management
Completed phase one of Mercury portfolio repositioning (repricing, fee adjustments, term changes) and reported better-than-modeled performance; expect additional portfolio actions through 2026 with ROA upside from repricing.
Acquisitions and Market Positioning
Acquired a $165.0 million retail credit portfolio to strengthen point-of-sale leadership and completed a tuck-in (Vibe) acquisition expected to benefit from Atlanticus’ scale, lower servicing costs and origination capabilities.
ATLC Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
ATLC Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Mar 12, 2026 | $52.75 | $47.96 | -9.08% |
Nov 10, 2025 | $54.01 | $51.00 | -5.57% |
Aug 07, 2025 | $49.61 | $56.82 | +14.53% |
May 08, 2025 | $55.78 | $54.87 | -1.63% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Atlanticus Holdings (ATLC) report earnings?
Atlanticus Holdings (ATLC) is schdueled to report earning on May 12, 2026, After Close (Confirmed).
What is Atlanticus Holdings (ATLC) earnings time?
Atlanticus Holdings (ATLC) earnings time is at May 12, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is ATLC EPS forecast?
ATLC EPS forecast for the fiscal quarter 2026 (Q1) is 1.69.