Atlanticus Holdings Corp (ATLC)
NASDAQ:ATLC
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Earnings Data
Report Date
Aug 07, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
2.26Last Year’s EPS
1.51Same Quarter Last Year
Strong Buy
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveys a predominantly positive outlook driven by very strong top-line growth (97% revenue increase), materially higher net income (+50% EPS), robust managed receivable expansion (35% ex-Mercury), and an integration of the Mercury acquisition that is ahead of plan. Offsetting items include a large negative fair value adjustment of $366 million, substantially higher interest expense (+158%) and rising operating expenses (+69%) tied to the acquisition and expanded receivables. Despite these pressures, management emphasized stable asset performance, healthy liquidity, and better-than-modeled origination economics, leading to confidence in the company’s positioning.Company Guidance
Strong Revenue Growth
Total operating revenue increased 97% year-over-year to $680 million for Q1 2026, driven in part by $224 million from the Mercury acquisition.
Significant Net Income and EPS Improvement
Net income attributable to common shareholders was $41.9 million and diluted EPS was $2.23, up 50% year-over-year.
Improved Net Margin and ROE
Net margin rose to $190 million (over 60% year-over-year increase) and return on average equity was 26.8%.
Managed Receivables Expansion
Managed receivables (excluding Mercury) grew 35%, with growth broad-based across private label and general purpose products.
Successful Mercury Integration and Better-Than-Modeled Origination
Two quarters into the Mercury acquisition, integration is ahead of plan with faster term changes, higher adoption/stickiness, better repricing, stronger origination volumes and unit economics than modeled, and earlier-than-expected technology/infrastructure consolidation progress.
Strong Balance Sheet Liquidity
Quarter-end total assets were $7.5 billion, total equity $644 million, and unrestricted cash of $650 million.
Stable Asset Performance and Consumer Behavior
Delinquency and charge-off trends remain stable; newer customer cohorts performing well; observed normal utilization, payment rates, first-pay default and delinquency behaviors, with Q1 benefiting from tax season.
Contingent Consideration Favorable Adjustment
Approximately $13 million favorable impact recognized related to a reduction in contingent consideration tied to the Mercury acquisition (recorded in fair value mark).
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 |
|---|---|---|---|
May 07, 2026 | $78.34 | $84.81 | +8.26% |
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% |
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 Corp (ATLC) report earnings?
Atlanticus Holdings Corp (ATLC) is schdueled to report earning on Aug 07, 2026, After Close (Confirmed).
What is Atlanticus Holdings Corp (ATLC) earnings time?
Atlanticus Holdings Corp (ATLC) earnings time is at Aug 07, 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 (Q2) is 2.26.