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
Revenue by segment
Atlanticus · $394M total across 2 segments · Q2 2025
- CaaS$384M—97.5%
- Auto Finance$9.68M—2.5%
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 19 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 |
|---|---|---|---|---|
| Q2 2025 | — | — | — | |
| 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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