Atlanticus Financial Ratios
NASDAQ: ATLCFinanceFinance: Consumer ServicesUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
Atlanticus ratio analysis
Atlanticus earned a net margin of 6.2% in FY 2025, down from 8.5% a year earlier. Gross margin was 91.8% compared with a median of 89.1% over the prior 9 years. Return on equity reached 20.1%, meaning Atlanticus generated 0.20 dollars of profit for every dollar of shareholders' equity.
At the end of FY 2025, ATLC traded at 11.1 times earnings; across the 8 fiscal years shown, its year-end P/E ranged from 4.5 to 11.7, with a median of 7.7. Valuation ratios use the closing share price on each fiscal year-end date and diluted shares from the income statement; profitability and leverage ratios use reported annual figures. Current valuation multiples are on the statistics page.
Summary generated from market data by MetaCap's automated system. Methodology
Atlanticus financial ratios (annual)
| Ratio | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| P/E ratio (at fiscal year end) | 11.13 | 11.68 | 9.12 | 4.49 | 9.43 | 6.24 | 5.61 | 5.62 | — | — |
| Price / sales | 0.51 | 0.63 | 0.49 | 0.37 | 1.44 | 0.63 | 0.30 | 7.90 | 6.34 | 0.52 |
| Price / book | 1.65 | 1.67 | 1.42 | 1.17 | 3.73 | 4.62 | 149.15 | — | — | 6.81 |
| Gross margin | 91.8% | 91.0% | 91.3% | 90.9% | 89.9% | 88.8% | 89.1% | -568.6% | -498.0% | 59.7% |
| Net margin | 6.2% | 8.5% | 8.9% | 13.0% | 23.8% | 16.7% | 5.8% | 141.4% | -773.4% | -8.3% |
| Free cash flow margin | 32.4% | 35.8% | 39.7% | 33.2% | 28.4% | 37.6% | 21.9% | 746.5% | -509.5% | 50.8% |
| Return on equity (ROE) | 20.1% | 22.6% | 26.1% | 41.5% | 61.8% | 121.8% | 2,918.7% | — | — | -109.5% |
| Return on assets (ROA) | 1.6% | 3.4% | 3.8% | 5.7% | 9.2% | 7.8% | 2.8% | 1.3% | -9.6% | -1.7% |
| Revenue growth | 50.1% | 13.5% | 10.4% | 40.0% | 32.8% | 23.8% | 8,092.9% | 5.4% | -93.1% | 27.0% |
| EPS growth | 24.9% | 12.5% | -27.3% | -22.9% | 91.4% | 138.0% | 196.4% | — | — | -483.3% |