NASDAQ$ATLC
Atlanticus Holdings Corp · Q3 2025 earnings
Q3 2025 earnings · · Before market open · Investor relations
Briefing
Atlanticus reported Q3 2025 total revenue and other income of $494.7M with net income of $24.6M and diluted EPS of $1.21.
Third-quarter total revenue and other income rose to $494.7 million from $351.2 million a year ago on growth in consumer finance receivables and fair-value loan income. Net income attributable to common shareholders was $22.7 million, or $1.21 diluted EPS. Net margin was $140.8 million after interest expense and credit loss provisions.
- Q3 total revenue and other income $494.7M.
- Net income to common $22.7M; diluted EPS $1.21.
- Loans at fair value reached $6.2B at Sept. 30, 2025.
- Credit performance and receivable growth drive earnings power.
Headline financials
Revenue & EPS history
Atlanticus · Revenue · Quarterly
$495M
Forward guidance
Management discusses Atlanticus Holdings's outlook, capital deployment, and key risks as disclosed in the earnings materials and periodic report.
Tailwinds
- Atlanticus Holdings cited progress on strategic priorities in the quarterly filing.
- Liquidity and balance sheet support continued operations and investment.
Headwinds
- Macro, competitive, and regulatory factors may affect near-term results.
- R&D, credit, or project timing can create quarter-to-quarter volatility.
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 20 quarterly earnings reports · overlaid with Q3 2025
+1.7%
Avg return
Earnings day
+2.0%
Avg return
5 days after
+11.7%
Avg return
30 days after
52%
33 / 64 earnings
Positive
+22.3%
Q4 2013
Best reaction
-21.8%
Q1 2022
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q1 2026 | +0.7% | -0.7% | +7.5% | |
| Q4 2025 | -9.0% | +0.5% | +20.2% | |
| Q3 2025 | -5.6% | -1.2% | +17.7% | |
| Q1 2025 | -3.3% | -7.8% | -1.9% | |
| Q4 2024 | +0.2% | -1.4% | +6.5% | |
| Q3 2024 | +6.9% | +6.5% | +51.3% | |
| Q2 2024 | +5.1% | +12.0% | +8.2% | |
| Q1 2024 | -2.6% | -12.3% | -8.0% | |
| Q4 2023 | -8.1% | -6.8% | -12.8% | |
| Q3 2023 | +2.9% | -0.1% | +2.0% | |
| Q2 2023 | -7.7% | -6.6% | -14.9% | |
| Q1 2023 | +2.7% | +5.0% | +35.8% | |
| Q4 2022 | -2.3% | -12.6% | +13.1% | |
| Q3 2022 | -4.6% | +13.5% | +4.6% | |
| Q2 2022 | -4.0% | -7.0% | -27.0% | |
| Q1 2022 | -21.8% | -13.8% | -8.0% | |
| Q4 2021 | +17.0% | +32.7% | -3.3% | |
| Q3 2021 | -8.1% | -8.7% | -28.1% | |
| Q2 2021 | +3.0% | +2.1% | +16.2% | |
| Q1 2021 | +17.4% | +32.0% | +37.7% | |
| Q4 2020 | +9.8% | +1.9% | +12.8% | |
| Q3 2020 | +20.4% | +7.3% | +59.9% | |
| Q2 2020 | +7.4% | +11.6% | +41.9% | |
| Q1 2020 | -10.7% | -11.0% | +57.8% | |
| Q4 2019 | -1.1% | -9.5% | +59.5% | |
| Q3 2019 | +2.6% | +7.3% | +15.2% | |
| Q2 2019 | +11.8% | +37.9% | +33.2% | |
| Q1 2019 | +3.9% | +3.8% | +3.2% | |
| Q4 2018 | +0.3% | -0.8% | -3.1% | |
| Q3 2018 | -3.7% | -6.6% | -7.2% | |
| Q2 2018 | -6.0% | +6.3% | +60.6% | |
| Q1 2018 | +5.0% | -1.5% | +9.3% | |
| Q4 2017 | +5.0% | -1.5% | +9.3% | |
| Q3 2017 | +4.7% | +13.5% | +11.2% | |
| Q2 2017 | -2.4% | -0.8% | -10.4% | |
| Q4 2016 | +0.0% | +1.5% | -1.9% | |
| Q1 2017 | +0.0% | +1.5% | -1.9% | |
| Q3 2016 | -4.4% | -5.3% | -11.6% | |
| Q2 2016 | +0.0% | -1.7% | +2.4% | |
| Q1 2016 | +0.3% | — | — | |
| Q4 2015 | -4.8% | — | — | |
| Q3 2015 | -1.3% | — | — | |
| Q2 2015 | +1.3% | — | — | |
| Q1 2015 | -3.5% | — | — | |
| Q4 2014 | -3.5% | — | — | |
| Q3 2014 | +12.7% | — | — | |
| Q2 2014 | -0.7% | — | — | |
| Q1 2014 | +18.5% | — | — | |
| Q4 2013 | +22.3% | — | — | |
| Q3 2013 | +3.6% | — | — | |
| Q2 2013 | -0.3% | — | — | |
| Q1 2013 | +8.7% | — | — | |
| Q4 2012 | -0.3% | — | — | |
| Q3 2012 | -3.8% | — | — | |
| Q2 2012 | -1.0% | — | — | |
| Q1 2011 | +4.7% | — | — | |
| Q1 2012 | +0.7% | — | — | |
| Q4 2011 | +7.3% | — | — | |
| Q3 2011 | -0.3% | — | — | |
| Q3 2010 | -0.3% | — | — | |
| Q2 2011 | +7.5% | — | — | |
| Q2 2010 | +7.5% | — | — | |
| Q4 2010 | +7.5% | — | — | |
| Q1 2010 | +3.6% | — | — |
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