NASDAQ$ATLC
Atlanticus Holdings Corp · Q4 2022 earnings
Q4 2022 earnings · · Investor relations
Briefing
Reported fourth quarter and full year 2022 financial results, achieving over $1 billion in annual revenue with consecutive revenue growth.
Atlanticus Holdings Corporation reported a 24.1% increase in total operating revenue for Q4 2022, reaching $268.7 million. Net income attributable to common shareholders was $17.7 million, or $0.98 per diluted common share. The company's purchase volume increased by 1.4% to $625.2 million.
- Total operating revenue increased 24.1% to $268.7 million.
- Purchase volume increased 1.4% to $625.2 million.
- Net income attributable to common shareholders was $17.7 million, or $0.98 per diluted common share.
- Managed receivables increased 31.6% to $2.1 billion.
Headline financials
Revenue & EPS history
Atlanticus · Revenue · Quarterly
$269M
Forward guidance
Atlanticus anticipates continued growth and improvement in asset performance metrics, driven by strategic actions and favorable economic trends. The company expects to increase its growth rate while maintaining a focus on asset level profitability and capital availability.
Tailwinds
- Continued improvement in early asset performance metrics.
- Strong cash position and attractive fixed rate financings.
- Ongoing investment in technology is bearing fruit.
- Unique customer experience through Financial Empowerment Platform.
- Substantial opportunity for long term value creation.
Headwinds
- Ongoing inflationary pressures felt across serviced customers and partners.
- Tightening in underwriting leading to materially slower growth in the second half of the year.
- Receivables performance is coming off of historic lows in delinquency in 2020 and 2021.
- Prudently slowed rate of growth in the near term.
- Increases in loan delinquencies.
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 Q4 2022
+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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