Atlanticus Holdings Corporation (ATLC) — Financial Flexibility Index
Atlanticus Holdings Corporation (ATLC) has a Financial Flexibility Index of 0.04x as of June 2026. Free cash flow of $277.00 Million (operating CF $276.93 Million minus capex $68.00K) represents 0% of total liabilities ($6.75 Billion). Check ATLC cash reinvestment to operating cash ratio to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Atlanticus Holdings Corporation Financial Flexibility Index (1998–2025)
Historical Financial Flexibility Index trend for Atlanticus Holdings Corporation across 28 annual periods. For the full cash flow conversion analysis, see cash efficiency ratio of Atlanticus Holdings Corporation.
Annual Financial Flexibility Index for Atlanticus Holdings Corporation (1998–2025)
Year-by-year free cash flow to debt coverage for Atlanticus Holdings Corporation. Explore Atlanticus Holdings Corporation (ATLC) debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.09x | $642.99 Million | $637.96 Million | $7.02 Billion | ▼ -45.9% |
| 2024 | 0.17x | $471.19 Million | $469.40 Million | $2.78 Billion | ▼ -15.4% |
| 2023 | 0.20x | $463.31 Million | $459.32 Million | $2.31 Billion | ▲ +15.4% |
| 2022 | 0.17x | $350.98 Million | $346.13 Million | $2.02 Billion | ▲ +27.8% |
| 2021 | 0.14x | $219.46 Million | $212.37 Million | $1.62 Billion | ▼ -30.6% |
| 2020 | 0.20x | $213.48 Million | $212.73 Million | $1.09 Billion | ▲ +75.0% |
| 2019 | 0.11x | $100.21 Million | $99.96 Million | $895.93 Million | ▲ +52.9% |
| 2018 | 0.07x | $44.24 Million | $42.86 Million | $604.74 Million | ▲ +229.5% |
| 2017 | -0.06x | $-26.07 Million | $-26.47 Million | $461.74 Million | ▼ -151.4% |
| 2016 | 0.11x | $39.36 Million | $39.02 Million | $358.21 Million | ▲ +1596.0% |
| 2015 | 0.01x | $1.75 Million | $864.00K | $269.78 Million | ▲ +110.1% |
| 2014 | -0.06x | $-16.67 Million | $-20.73 Million | $260.91 Million | ▲ +4.0% |
| 2013 | -0.07x | $-23.37 Million | $-26.86 Million | $351.08 Million | ▼ -168.4% |
| 2012 | 0.10x | $35.13 Million | $32.95 Million | $361.24 Million | ▼ -34.8% |
| 2011 | 0.15x | $85.31 Million | $83.77 Million | $571.58 Million | ▼ -64.0% |
| 2010 | 0.41x | $339.37 Million | $335.51 Million | $819.09 Million | ▼ -23.1% |
| 2009 | 0.54x | $291.53 Million | $287.94 Million | $541.11 Million | ▼ -27.6% |
| 2008 | 0.74x | $578.75 Million | $568.88 Million | $778.25 Million | ▼ -6.3% |
| 2007 | 0.79x | $832.40 Million | $766.86 Million | $1.05 Billion | ▲ +76.1% |
| 2006 | 0.45x | $536.06 Million | $508.02 Million | $1.19 Billion | ▲ +72.3% |
| 2005 | 0.26x | $263.88 Million | $233.25 Million | $1.01 Billion | ▼ -70.6% |
| 2004 | 0.89x | $235.99 Million | $225.17 Million | $265.33 Million | ▼ -66.2% |
| 2003 | 2.63x | $354.75 Million | $346.77 Million | $134.77 Million | ▼ -27.6% |
| 2002 | 3.63x | $258.18 Million | $248.61 Million | $71.05 Million | ▲ +250.0% |
| 2001 | 1.04x | $93.43 Million | $63.38 Million | $89.98 Million | ▼ -20.4% |
| 2000 | 1.31x | $86.56 Million | $74.62 Million | $66.32 Million | ▲ +0.5% |
| 1999 | 1.30x | $61.70 Million | $55.80 Million | $47.50 Million | ▲ +277.2% |
| 1998 | 0.34x | $11.40 Million | $10.90 Million | $33.10 Million | — |