What is the 13F Pro Quality Score for ATLC?

13F Pro ranks Atlanticus Holdings Corp (ATLC) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View ATLC's current score at https://13fpro.ai/company/ATLC (free sign-up required for the full ranking).

Where does 13F Pro source ATLC data?

All Atlanticus Holdings Corp fundamentals and ownership data come directly from SEC EDGAR. Atlanticus Holdings Corp files with the SEC under CIK 1464343. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is ATLC in?

Atlanticus Holdings Corp (ATLC) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives ATLC's revenue?

Per Atlanticus Holdings Corp's latest 10-Q filed with the SEC on 2026-08-06, the biggest revenue drivers are: Credit as a Service (CaaS) ($734.2M); Consumer loans, including past due fees ($535.5M); Fees and related income on earning assets ($150.5M). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/ATLC.

What are ATLC's largest expenses?

Atlanticus Holdings Corp's latest 10-Q reports these as the largest expense items: Card and loan servicing ($57.9M, +$23.8M YoY); Marketing and solicitation ($48.1M, +$23.2M YoY); Salaries and benefits ($27.3M, +$13.9M YoY). Sourced directly from SEC EDGAR filing text for Q2 2026 (quarter ended June 30, 2026).

How often is ATLC research updated on 13F Pro?

ATLC's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Atlanticus Holdings Corp(ATLC)Stock Analysis

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13F Pro Quality Score

68.6/100

Rank #316 of 2,961 stocksTOP 25%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

93.5/100

Profitability

43.4/100

Balance Sheet

58.2/100

Earnings Quality

96.7/100

Free Cash Flow

88.2/100

Institutional Flow

44.5/100

Revenue Scale

67.6/100

Dilution Risk

84.9/100

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Why ATLC Scores 69/100

exact factor attribution · 2026-09-11

ATLC's composite is driven by revenue growth and free cash flow, held back by profitability. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Revenue growth

+11.6 pts

94th pct

Free cash flow

+5.7 pts

88th pct

Earnings quality

+4.7 pts

97th pct

Scale

+3.5 pts

68th pct

Shareholder dilution

+2.3 pts

85th pct

Earnings growth

+1.7 pts

76th pct

Capital efficiency

+1.1 pts

58th pct

Institutional flow

-0.4 pts

45th pct

Profitability

-1.3 pts

43th pct

Latest change (2026-08-10): 73 → 71 · ↓ Dilution 85→50

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

ATLC Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for Atlanticus Holdings Corp (ATLC), a Financials sector company. 13F Pro's AI-powered ranking engine scores ATLC at 68.6/100 on a 32-signal composite quality model, placing it at rank #316 of 2,961 stocks — the top 25% of the AI-ranked universe. ATLC scores in the top quartile across earnings quality (96.7), revenue growth (93.5), free cash flow (88.2). Based on the latest XBRL financial filings (Q2 2026), Atlanticus Holdings Corp reports quarterly revenue of $223.6M, net income of $49.7M. Top institutional holders of ATLC by reported 13-F value include WELLINGTON MANAGEMENT GROUP LLP, DIMENSIONAL FUND ADVISORS, BlackRock, based on the most recent SEC filings. ATLC trades on the Nasdaq exchange and files with the SEC under CIK 1464343. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate ATLC daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Atlanticus Holdings Corp directly from SEC EDGAR. Atlanticus Holdings Corp's 13F Pro composite quality score has ranged between 65 and 78 since 2021, currently 68.6 — a declining long-term trajectory across 67 quarterly and live scoring snapshots.

✦

Fun facts about Atlanticus Holdings Corp

Quirks, history, and lore behind ATLC — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. financial services company · small-cap · listed on Nasdaq · headquartered in Atlanta, Georgia.
2
The Numbers
Annual revenue in the range of roughly $300–400 million, built almost entirely on consumer credit products aimed at borrowers the big banks tend to ignore.
3
The History
Traces its roots to the late 1990s, pivoting over the years from a broader holding-company model into a focused credit and lending platform for everyday consumers.
4
The Secret
Its sweet spot is the non-prime borrower — people with thin or damaged credit histories — served through private-label credit cards and point-of-sale financing at retail partners.
5
The Lore
It operates a bank subsidiary and powers retail credit programs for merchants, meaning your furniture-store financing or tire-shop payment plan may quietly run through this Atlanta outfit.
6
The Giveaway
The ticker is ATLC, short for a name that sounds like a lost continent — Atlanticus Holdings — a fitting brand for a lender fishing in waters the big banks left uncharted.

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What's Driving ATLC's Business? Latest 10-Q Breakdown

✓ 43/43 datapoints verified

AI-extracted from Atlanticus Holdings Corp's 10-Q filed 2026-08-06 — Q2 2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Total revenue and other income nearly doubled to $744.3M as the Mercury acquisition lifted managed receivables to $6,891.2M from $3,046.5M, driving net income to $49.7M.

Biggest Revenue Drivers

Credit as a Service (CaaS)$734.2M

Growth in private label credit and general purpose credit card receivables, with Mercury adding $3,054.3M of receivables

Auto Finance$10.1M

CAR operations served 724 dealers in 34 states; receivables declined on slower dealer sales

Biggest Revenue Drivers

Total revenue: $744.3M

Credit as a Service (CaaS)$734.2M

Growth in private label credit and general purpose credit card receivables, with Mercury adding $3,054.3M of receivables

Within Credit as a Service (CaaS)

Consumer loans, including past due fees$535.5M

Interest, finance charges, late fees and merchant fees on CaaS receivables

Fees and related income on earning assets$150.5M

Annual and monthly maintenance fees, cash advance and other credit-product fees

Other revenue$48.1M

Interchange, servicing income and customer-related fees; new marketing channels increased customer engagement

Auto Finance$10.1M

CAR operations served 724 dealers in 34 states; receivables declined on slower dealer sales

Largest Expense Items

Card and loan servicing$57.9M+$23.8M YoY

Growth in receivables to $6,891.2M from $3,046.5M and costs of product, policy and pricing changes

Marketing and solicitation$48.1M+$23.2M YoY

Growth in new credit card and private label customers; total accounts up over 2.2 million YoY

Salaries and benefits$27.3M+$13.9M YoY

Growth in employee headcount, including the workforce added with Mercury

Other$20.7M+$11.9M YoY

Increased accounting and legal expenses and certain costs associated with the Mercury acquisition

Margins: Net margin rose to $223.6M from $122.3M, but interest expense climbed $69.7M and fair-value losses on loans reached $396.3M on higher charge-offs. Annualized net interest margin ratio was 9.3% versus 11.7% a year ago.

Watch Items from the Filing

Five largest retail partners accounted for 85.3% of private label credit receivables outstanding at June 30, 2026; largest partner purchases fell to $291.3M from $390.2M.
Combined principal net charge-offs rose to $301.9M with an annualized charge-off ratio of 17.7%, up from 17.1% in Q1 2026 though down from 20.0% a year ago.
Mercury, excluded from internal control assessment, represents 41.1% of consolidated total assets and 32.6% of six-month revenue; contingent consideration fell to $22.0M from $40.0M.
Short-term refinancing needs total $166.6M within 12 months, including $122.1M of 2026 Senior Notes maturing November 30, 2026; total notes payable $5,578.9M.
Unfunded credit-line commitments aggregate $7.7 billion, with a further $241.1M of maximum credit-protection program exposure and $41.8M pledged as collateral.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$223.6M

Net Income

Q2 2026

$49.7M

ROIC

Q2 2026

37.6%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+38.8% YoY

$557.2MFY 2025

FY22 $386.7MFY23 $354.8MFY24 $401.4MFY25 $557.2M

Net Income

+9.8% YoY

$122.2MFY 2025

FY22 $135.6MFY23 $102.8MFY24 $111.3MFY25 $122.2M

EPS (Diluted)

+24.9% YoY

$5.96FY 2025

FY22 $5.83FY23 $4.24FY24 $4.77FY25 $5.96

Total Assets

+133.1% YoY

$7.62BFY 2025

FY22 $2.39BFY23 $2.71BFY24 $3.27BFY25 $7.62B

Op. Cash Flow

+35.9% YoY

$638.0MFY 2025

FY22 $346.1MFY23 $459.3MFY24 $469.4MFY25 $638.0M

Free Cash Flow

—FY 2025

FY22 —FY23 —FY24 —FY25 —

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$557.2M +38.8%	$401.4M +13.1%	$354.8M -8.3%	$386.7M -11.9%	$438.7M +68.4%	$260.6M
Net Income	$122.2M +9.8%	$111.3M +8.2%	$102.8M -24.2%	$135.6M -23.8%	$177.9M +89.0%	$94.1M
EPS (Diluted)	$5.96 +24.9%	$4.77 +12.5%	$4.24 -27.3%	$5.83 -22.9%	$7.56 +91.4%	$3.95
Total Assets	$7.62B +133.1%	$3.27B +20.8%	$2.71B +13.3%	$2.39B +22.8%	$1.94B +61.0%	$1.21B
Operating Cash Flow	$638.0M +35.9%	$469.4M +2.2%	$459.3M +32.7%	$346.1M +63.0%	$212.4M -0.2%	$212.7M
Free Cash Flow	—	—	—	—	—	$212.0M

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Available Research

13F Pro tracks comprehensive data for Atlanticus Holdings Corp including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of ATLC

WELLINGTON MANAGEMENT GROUP LLP
$53.4M522,642 sh
DIMENSIONAL FUND ADVISORS LP
$46.5M454,394 sh
BlackRock, Inc.
$43.5M425,768 sh
VANGUARD CAPITAL MANAGEMENT LLC
$24.1M235,886 sh
AMERICAN CENTURY COMPANIES INC
$22.6M221,049 sh
GEODE CAPITAL MANAGEMENT, LLC
$14.7M143,886 sh
HB Wealth Management, LLC
$12.2M118,939 sh
ARROWSTREET CAPITAL, LIMITED PARTNERSHIP
$12.1M117,995 sh
STATE STREET CORP
$12.1M117,936 sh
BRIDGEWAY CAPITAL MANAGEMENT, LLC
$10.2M99,601 sh

Fund	Value	Shares
WELLINGTON MANAGEMENT GROUP LLP	$53.4M	522,642
DIMENSIONAL FUND ADVISORS LP	$46.5M	454,394
BlackRock, Inc.	$43.5M	425,768
VANGUARD CAPITAL MANAGEMENT LLC	$24.1M	235,886
AMERICAN CENTURY COMPANIES INC	$22.6M	221,049
GEODE CAPITAL MANAGEMENT, LLC	$14.7M	143,886
HB Wealth Management, LLC	$12.2M	118,939
ARROWSTREET CAPITAL, LIMITED PARTNERSHIP	$12.1M	117,995
STATE STREET CORP	$12.1M	117,936
BRIDGEWAY CAPITAL MANAGEMENT, LLC	$10.2M	99,601

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Is ATLC a good stock to buy?

13F Pro's AI-powered analysis of Atlanticus Holdings Corp (ATLC) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for ATLC are available on the ATLC stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. ATLC is classified as a small company.

Which hedge funds own ATLC?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling ATLC. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Atlanticus Holdings Corp's investment landscape.