Atlanticus Holdings Corp
ATLC, ATLCL, ATLCP, ATLCZ · Personal Credit Institutions · 15.1M shares · -2%/yr ↓ buyback · EDGAR filings ↗
Net buyback after stock comp: $49M (gross $53M, SBC $4M)
Reference price $109.45 · est. market cap ~$1.7B — last insider sale, 2026-06-26 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)
Grade
B73Atlanticus Holdings — point-of-sale/private-label subprime lender with high ROE.
Strengths
- ROE 20.1% (67th pct), revenue +50% (85th), strong OCF (84th)
Risks
- Subprime credit-cycle and regulatory (CFPB) exposure
- Funding sensitivity; thin ROA (33rd)
Notable findings
- Strong balance sheetStrong balance sheet — $621M cash & investments
- Insider sellingInsider selling — 3 open-market sale(s) by 3 insider(s) (cluster of 3 insiders, ~$2M, last 6mo) Form 4 ↗
Quarterly revenue
Last 4 quarters · from SEC filings.
Key metrics
Gross margin
91.8%
Net margin
6.2%
Return on equity
20.1%
Return on assets
1.6%
Revenue growth (QoQ)
-7.5%
Net-income growth
9.8%
Tangible book value
$578M
Cash & investments
$621M
Stock comp / revenue
0.2%
Insider transactions · last 18 months
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-06-26 | McCamey William | Sell | 10K | $109.45 |
| 2026-06-26 | Howard Jeffrey A. | Sell | 10K | $109.45 |
| 2026-06-12 | HANNA DAVID G | Gift | 100K | — |
| 2026-06-12 | HANNA FRANK J III | Gift | 100K | — |
| 2026-03-20 | Howard Jeffrey A. | Tax withheld | 474 | $54.67 |
| 2026-03-20 | McCamey William | Tax withheld | 330 | $54.67 |
| 2026-03-20 | Saunders Mitchell | Tax withheld | 70 | $54.67 |
| 2026-03-19 | Saunders Mitchell | Grant | 929 | — |
| 2026-03-19 | Howard Jeffrey A. | Grant | 74K | — |
| 2026-03-19 | McCamey William | Grant | 19K | — |
| 2026-03-19 | Saunders Mitchell | Grant | 3.7K | — |
| 2026-03-13 | McCamey William | Tax withheld | 2.0K | $47.96 |
| 2026-03-13 | Saunders Mitchell | Tax withheld | 152 | $47.96 |
| 2026-03-13 | Howard Jeffrey A. | Tax withheld | 2.9K | $47.96 |
| 2026-03-08 | Saunders Mitchell | Tax withheld | 124 | $54.81 |
| 2026-03-08 | McCamey William | Tax withheld | 1.2K | $54.81 |
| 2026-03-08 | Howard Jeffrey A. | Tax withheld | 1.6K | $54.81 |
| 2026-01-13 | HUDSON DEAL W | Sell | 1.7K | $59.72 |
| 2026-01-02 | JAMES DENNIS H JR | Grant | 1.1K | — |
| 2026-01-02 | Harrod Denise M | Grant | 1.1K | — |
| 2026-01-02 | HUDSON DEAL W | Grant | 1.1K | — |
| 2026-01-02 | Jones Joann G | Grant | 1.1K | — |
| 2026-01-02 | MATTINGLY MACK F | Grant | 1.1K | — |
| 2025-12-11 | HANNA DAVID G | Gift | 10K | — |
| 2025-11-11 | McCamey William | Tax withheld | 512 | $51.50 |
| 2025-11-11 | McCamey William | Option exercise | 1.0K | $15.30 |
| 2025-11-10 | Saunders Mitchell | Option exercise | 1.0K | $15.30 |
| 2025-11-10 | Saunders Mitchell | Tax withheld | 591 | $50.75 |
| 2025-11-07 | Howard Jeffrey A. | Option exercise | 1.0K | $15.30 |
| 2025-10-23 | HANNA DAVID G | Option exercise | 1.0K | $15.30 |
| 2025-08-13 | HUDSON DEAL W | Sell | 2.0K | $62.39 |
| 2025-06-10 | JAMES DENNIS H JR | Gift | 400 | — |
| 2025-04-08 | HANNA DAVID G | Inherited | 20K | — |
| 2025-03-24 | HUDSON DEAL W | Sell | 2.4K | $52.39 |
| 2025-03-20 | Howard Jeffrey A. | Grant | 4.7K | — |
| 2025-03-20 | Howard Jeffrey A. | Grant | 4.9K | — |
| 2025-03-20 | Saunders Mitchell | Grant | 618 | — |
| 2025-03-20 | Saunders Mitchell | Grant | 412 | — |
| 2025-03-20 | McCamey William | Grant | 3.4K | — |
| 2025-03-20 | Saunders Mitchell | Grant | 390 | — |
| 2025-03-20 | Saunders Mitchell | Grant | 585 | — |
| 2025-03-20 | McCamey William | Grant | 3.3K | — |
| 2025-03-14 | McCamey William | Tax withheld | 1.5K | $48.64 |
| 2025-03-14 | Saunders Mitchell | Tax withheld | 105 | $48.64 |
| 2025-03-14 | Howard Jeffrey A. | Tax withheld | 2.8K | $48.64 |
| 2025-03-13 | Howard Jeffrey A. | Tax withheld | 4.3K | $43.71 |
| 2025-03-13 | McCamey William | Tax withheld | 3.0K | $43.71 |
| 2025-03-13 | Saunders Mitchell | Tax withheld | 152 | $43.71 |
| 2025-03-08 | Saunders Mitchell | Tax withheld | 124 | $46.06 |
| 2025-03-08 | McCamey William | Tax withheld | 1.7K | $46.06 |
| 2025-03-08 | Howard Jeffrey A. | Tax withheld | 2.4K | $46.06 |
| 2025-01-02 | HUDSON DEAL W | Grant | 1.1K | — |
| 2025-01-02 | MATTINGLY MACK F | Grant | 1.1K | — |
| 2025-01-02 | Jones Joann G | Grant | 1.1K | — |
| 2025-01-02 | JAMES DENNIS H JR | Grant | 1.1K | — |
| 2025-01-02 | Harrod Denise M | Grant | 1.1K | — |
All non-derivative Form 4 activity (SEC), newest first.
Notable events (8-K)
| Date | Items | |
|---|---|---|
| 2026-05-13 | Shareholder vote | filing ↗ |
| 2025-11-28 | Exhibits | filing ↗ |
| 2025-09-17 | Material agreementReg FDExhibits | filing ↗ |
| 2025-08-20 | Material agreementDebt obligationExhibits | filing ↗ |
| 2025-05-13 | Shareholder vote | filing ↗ |
| 2024-08-26 | Material agreementDebt obligationExhibits | filing ↗ |
| 2024-07-29 | Material agreementDebt obligationOtherExhibits | filing ↗ |
| 2024-07-23 | ResultsReg FDOtherExhibits | filing ↗ |
Recent filings
| Form | Filed | Period | Accession |
|---|---|---|---|
| 8-K | 2026-05-13 | 2026-05-07 | 0001437749-26-016553 ↗ |
| 10-Q | 2026-05-07 | 2026-03-31 | 0001437749-26-015592 ↗ |
| 10-K | 2026-03-12 | 2025-12-31 | 0001437749-26-007972 ↗ |
| 8-K/A | 2025-11-28 | 2025-09-11 | 0001437749-25-036495 ↗ |
| 10-Q | 2025-11-10 | 2025-09-30 | 0001437749-25-033947 ↗ |
| 8-K | 2025-09-17 | 2025-09-11 | 0001437749-25-029311 ↗ |
| 8-K | 2025-08-20 | 2025-08-20 | 0001437749-25-027466 ↗ |
| 10-Q | 2025-08-07 | 2025-06-30 | 0001437749-25-025502 ↗ |
| 8-K | 2025-05-13 | 2025-05-08 | 0001437749-25-016493 ↗ |
| 10-Q | 2025-05-08 | 2025-03-31 | 0001437749-25-015559 ↗ |
| 10-K/A | 2025-03-31 | 2024-12-31 | 0001437749-25-009919 ↗ |
| 10-K | 2025-03-13 | 2024-12-31 | 0001437749-25-007559 ↗ |