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Atlanticus Holdings (ATLC) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 5, 2026 · Atlanticus Holdings (ATLC) Q3 2026 earnings results →
Q3 2026 Revenue up 60% year over year to $776M · 12¢ of every $1 of revenue kept as net profit · operating margin 15.6%
Atlanticus Holdings made $776M in Q3 2026 (+60% Y/Y). Operating margin 15.6%, net earnings $95.4M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 5, 2026.
Drawing the Sankey…
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What changed this quarter
Revenue was $775.8M in Q3 2026, up 60% year over year and up 4% from the previous quarter.
Operating profit was $120.7M, a 15.6% margin (up 9.0 points year over year). Of the extra revenue versus Q3 2025, 31% reached operating profit, above the 7% margin then. Total costs grew 45% against revenue growth of 60%. The fastest-growing cost line was Sales & marketing (+63%). Net earnings were $95.3M, up 282% year over year. The effective tax rate was 20.9%.
Operating cash flow was $253.3M (up 136% year over year), 265% of net earnings. Non-cash charges added back $4.5M of depreciation and amortization and $2.4M of share-based compensation. Working capital and other items added $150.9M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 5, 2026 | $776M | +60% | 15.6% | $95.4M | $253M |
| Q2 2026 | 10-Q | Aug 6, 2026 | $744M | +89% | 8.9% | $49.7M | $277M |
| Q1 2026 | 10-Q | May 7, 2026 | $680M | +97% | 8.7% | $44.2M | $286M |
| Q4 2025 | 10-K | Mar 12, 2026 | $734M | +108% | 6.3% | $34.6M | $266M |
| Q3 2025 | 10-Q | Nov 10, 2025 | $495M | +41% | 6.6% | $25.0M | $107M |
| Q2 2025 | 10-Q | Aug 7, 2025 | $394M | +25% | 10.2% | $30.6M | $133M |
| Q1 2025 | 10-Q | May 8, 2025 | $345M | +19% | 11.8% | $31.5M | $132M |
Charts
Interactive views
The same charts as the app — open one to draw it.
💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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Atlanticus Holdings against its Personal Credit Institutions peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +60% against the peers' median +8%. Operating margin: 15.6% against the peers' median 15.6%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| ATLC Atlanticus Holdings | Q3 2026 | $776M | +60% | 15.6% |
| OMF OneMain Holdings | Q3 2026 | $1.4B | +10% | 17.2% |
| AFRM Affirm Holdings | Q1 FY27 | $1.3B | +35% | 14.8% |
| BFH Bread Financial Holdings | Q3 2026 | $1.0B | +5% | 20.6% |
| ENVA Enova International | Q3 2026 | $1.0B | +26% | 24.5% |
| CACC Credit Acceptance | Q3 2026 | $595M | +2% | -12.4% |
| HAPN Happen | Q3 2026 | $263M | -1% | 29.2% |
| RM Regional Management | Q3 2026 | $179M | +8% | 11.1% |
| WRLD World Acceptance | Q2 FY27 | $139M | +3% | 8.4% |
Source: Atlanticus Holdings 10-Q on SEC EDGAR · CIK 1464343 · Personal Credit Institutions
Guidance and outlook
13F: who owns ATLC and who is buying
More on ATLC
History
Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results