Filing Flows › Atlanticus Holdings (ATLC) › Q3 2026
Atlanticus Holdings (ATLC) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 5, 2026
Atlanticus Holdings (ATLC) reported revenue of $776M for the third quarter 2026 (Q3 2026), +60% from a year earlier and +4% from the quarter before. Operating margin was 15.6%, net earnings $95.4M (12.3% of revenue).
Atlanticus Holdings, Q3 2026: revenue $776M (+60% year over year), operating margin 15.6%, net earnings $95.4M, operating cash flow $253M. The chart follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $776M | +4% | +60% |
| Operating profit | $121M | +83% | +281% |
| Net earnings | $95.4M | +92% | +288% |
| Operating cash flow | $253M | -9% | +136% |
What changed
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.
Questions
What was Atlanticus Holdings' revenue in the third quarter 2026?
Atlanticus Holdings (ATLC) reported revenue of $776M for the third quarter 2026 (Q3 2026), +60% from a year earlier and +4% from the quarter before.
Was Atlanticus Holdings profitable in the third quarter 2026?
Operating profit was $121M (15.6% of revenue) and net earnings $95.4M.