Atlanticus Holdings Corp (ATLC) Form 10-Q — Nov 5, 2026
Atlanticus Holdings (ATLC) reported Q3 2026 net income of $95.4 million, up from $24.6 million in Q3 2025, with diluted EPS of $4.87 versus $1.21 a year earlier. Total revenue and other income rose about 60% year over year to $775.8 million, driven by growth in consumer loan revenue and fees across its Credit as a Service segment. The quarter included two one-time gains: a $20.1 million pre-tax gain from completing the sale of its Auto Finance segment (CARS Acquisition, LLC) for total consideration of approximately $71.2 million, and a $27.5 million gain from selling the MERCURY word mark.
Key figures
- Eps
- diluted $4.87 (Q3), basic $6.11; diluted $9.62 (nine months)
- Revenue
- 775849000
- Net Income
- 95426000
- Revenue Yoy
- Q3 total revenue and other income $775.8 million vs $484.7 million prior year (+60%)
- Total Assets
- 7784982000
- Cash Position
- 600502000
- Shares Outstanding
- 15347773
- Total equity
- 807567000
- Word mark sale
- 27500000
- Senior notes net
- 699231000
- Notes payable net
- 5752328000
- Gain on sale of CAR
- 20100000
- Loans at fair value
- 6903165000
- Nine month net income
- 189724000
- Q3 diluted eps prior year
- 1.21
- Car sale total consideration
- 71200000
- Effective tax rate continuing
- 24.4%
AI analysis
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