Atlanticus Holdings Corporation (ATLC) - Net Assets

Latest as of March 2026: $683.97 Million USD

Based on the latest financial reports, Atlanticus Holdings Corporation (ATLC) has net assets worth $683.97 Million USD as of March 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($7.47 Billion) and total liabilities ($6.78 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check Atlanticus Holdings Corporation (ATLC) tangible net worth to evaluate the tangible quality of the company's equity base.

Key Net Assets Metrics

Metric Value
Current Net Assets $683.97 Million
% of Total Assets 9.16%
Annual Growth Rate 9.32%
5-Year Change 84.38%
10-Year Change 10352.31%
Growth Volatility 198.3

Atlanticus Holdings Corporation - Net Assets Trend (1998–2025)

This chart illustrates how Atlanticus Holdings Corporation's net assets have evolved over time, based on quarterly financial data. See how many days can Atlanticus Holdings Corporation fund operations to measure how many days the company can operate on defensive assets alone.

Annual Net Assets for Atlanticus Holdings Corporation (1998–2025)

The table below shows the annual net assets of Atlanticus Holdings Corporation from 1998 to 2025. For live valuation and market cap data, see Atlanticus Holdings Corporation market capitalisation.

Year Net Assets Change
2025-12-31 $603.83 Million +23.39%
2024-12-31 $489.36 Million +24.70%
2023-12-31 $392.42 Million +7.50%
2022-12-31 $365.04 Million +11.46%
2021-12-31 $327.50 Million +181.09%
2020-12-31 $116.51 Million +188.86%
2019-12-31 $40.34 Million +282.27%
2018-12-31 $-22.13 Million +38.75%
2017-12-31 $-36.13 Million -725.36%
2016-12-31 $5.78 Million -47.25%
2015-12-31 $10.95 Million +47.15%
2014-12-31 $7.44 Million +542.66%
2013-12-31 $1.16 Million -93.96%
2012-12-31 $19.19 Million -74.86%
2011-12-31 $76.33 Million +23.47%
2010-12-31 $61.82 Million -70.24%
2009-12-31 $207.72 Million -72.19%
2008-12-31 $746.86 Million -9.51%
2007-12-31 $825.31 Million -10.73%
2006-12-31 $924.51 Million +13.76%
2005-12-31 $812.65 Million +10.09%
2004-12-31 $738.20 Million +17.81%
2003-12-31 $626.59 Million +39.90%
2002-12-31 $447.87 Million +0.31%
2001-12-31 $446.48 Million +10.47%
2000-12-31 $404.18 Million +129.13%
1999-12-31 $176.40 Million +223.67%
1998-12-31 $54.50 Million --

Equity Component Analysis

This analysis shows how different components contribute to Atlanticus Holdings Corporation's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.

Equity Composition Insights

  • Retained earnings have grown by 1958.6% over the analyzed period, indicating profitable operations and earnings retention.

Current Equity Component Breakdown (December 2025)

Component Amount Percentage
Retained Earnings $506.42 Million 83.20%
Other Components $102.28 Million 16.80%
Total Equity $608.70 Million 100.00%

Atlanticus Holdings Corporation Competitors by Market Cap

The table below lists competitors of Atlanticus Holdings Corporation ranked by their market capitalization.

Company Market Cap
Jaiprakash Power Ventures Limited
NSE:JPPOWER
 $1.34 Billion
Ningbo Menovo Pharm Co Ltd
SHG:603538
 $1.34 Billion
Butterfly Network Inc
NYSE:BFLY
 $1.34 Billion
Maze Therapeutics, Inc. Common Stock
NASDAQ:MAZE
 $1.34 Billion
Shanghai STEP Electric Corp
SHE:002527
 $1.34 Billion
Malaysia Building Society Bhd
KLSE:1171
 $1.34 Billion
VGI Public Company Limited
BK:VGI-R
 $1.34 Billion
Direcional Engenharia S.A.
SA:DIRR3
 $1.34 Billion

Equity Growth Attribution

This analysis shows how different factors contributed to changes in Atlanticus Holdings Corporation's equity between the two most recent reporting periods.

Equity Growth Insights

  • From 2024 to 2025, total equity changed from 492,906,000 to 608,700,000, a change of 115,794,000 (23.5%).
  • Net income of 122,204,000 contributed positively to equity growth.
  • Dividend payments of 12,433,000 reduced retained earnings.
  • Share repurchases of 69,567,000 reduced equity.
  • New share issuances of 17,835,000 increased equity.
  • Other factors increased equity by 57,755,000.

Equity Change Factors (2024 to 2025)

Factor Impact Contribution
Net Income $122.20 Million +20.08%
Dividends Paid $12.43 Million -2.04%
Share Repurchases $69.57 Million -11.43%
Share Issuances $17.84 Million +2.93%
Other Changes $57.76 Million +9.49%
Total Change $- 23.49%

Book Value vs Market Value Analysis

This analysis compares Atlanticus Holdings Corporation's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.

Valuation Insights

  • Current price-to-book ratio: 3.02x
  • The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
  • The price-to-book ratio has decreased from 63.80x to 3.02x over the analyzed period, indicating reduced market premium.

Historical Price-to-Book Ratios

Date Book Value per Share Market Price P/B Ratio
1998-12-31 $1.50 $95.77 x
1999-12-31 $4.81 $95.77 x
2000-12-31 $8.78 $95.77 x
2001-12-31 $9.84 $95.77 x
2002-12-31 $10.52 $95.77 x
2003-12-31 $11.44 $95.77 x
2004-12-31 $13.70 $95.77 x
2005-12-31 $14.95 $95.77 x
2006-12-31 $17.60 $95.77 x
2007-12-31 $16.27 $95.77 x
2008-12-31 $15.42 $95.77 x
2009-12-31 $3.97 $95.77 x
2010-12-31 $1.07 $95.77 x
2011-12-31 $2.96 $95.77 x
2012-12-31 $1.00 $95.77 x
2013-12-31 $0.08 $95.77 x
2014-12-31 $0.53 $95.77 x
2015-12-31 $0.78 $95.77 x
2016-12-31 $0.41 $95.77 x
2017-12-31 $-2.59 $95.77 x
2018-12-31 $-1.58 $95.77 x
2019-12-31 $2.64 $95.77 x
2020-12-31 $5.80 $95.77 x
2021-12-31 $15.67 $95.77 x
2022-12-31 $18.84 $95.77 x
2023-12-31 $20.90 $95.77 x
2024-12-31 $26.22 $95.77 x
2025-12-31 $31.72 $95.77 x

Capital Efficiency Dashboard

This dashboard shows how efficiently Atlanticus Holdings Corporation utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.

Capital Efficiency Insights

  • Current Return on Equity (ROE): 20.08%
  • The company demonstrates strong efficiency in generating profits from shareholder equity.
  • DuPont Analysis Breakdown:
  • • Net Profit Margin: 17.35%
  • • Asset Turnover: 0.09x
  • • Equity Multiplier: 12.52x
  • Recent ROE (20.08%) is above the historical average (-45.68%), indicating improving capital efficiency.

Historical Capital Efficiency Metrics

Year Return on Equity Net Profit Margin Asset Turnover Equity Multiplier Economic Value Added
1998 46.61% 43.27% 0.67x 1.61x $19.95 Million
1999 33.45% 39.65% 0.66x 1.27x $41.36 Million
2000 20.38% 34.03% 0.51x 1.16x $41.96 Million
2001 0.64% 1.86% 0.29x 1.20x $-41.78 Million
2002 1.31% 2.71% 0.42x 1.16x $-38.92 Million
2003 21.20% 26.44% 0.60x 1.33x $64.32 Million
2004 14.73% 18.00% 0.56x 1.47x $32.33 Million
2005 22.33% 18.06% 0.52x 2.37x $94.63 Million
2006 12.16% 8.05% 0.63x 2.39x $19.08 Million
2007 -6.43% -2.90% 0.94x 2.36x $-130.25 Million
2008 -19.32% -29.10% 0.31x 2.11x $-211.67 Million
2009 -285.71% 0.00% -0.29x 3.96x $-559.82 Million
2010 -227.61% -15.04% 0.74x 20.56x $-101.79 Million
2011 175.58% 44.63% 0.46x 8.49x $126.38 Million
2012 126.72% 14.93% 0.43x 19.72x $22.52 Million
2013 -1524.14% -14.36% 0.35x 302.61x $-17.86 Million
2014 96.44% 5.59% 0.48x 36.06x $6.43 Million
2015 15.64% 1.90% 0.32x 25.64x $617.90K
2016 -109.66% -8.35% 0.21x 63.01x $-6.91 Million
2017 0.00% -40.61% 0.24x 0.00x $-37.17 Million
2018 0.00% 4.09% 0.33x 0.00x $10.07 Million
2019 65.56% 6.48% 0.44x 23.21x $22.41 Million
2020 80.78% 24.02% 0.32x 10.36x $82.47 Million
2021 54.32% 39.19% 0.23x 5.94x $145.15 Million
2022 37.15% 36.22% 0.16x 6.54x $99.09 Million
2023 26.06% 28.12% 0.14x 6.86x $63.38 Million
2024 22.58% 24.22% 0.14x 6.64x $62.01 Million
2025 20.08% 17.35% 0.09x 12.52x $61.33 Million

Industry Comparison

This section compares Atlanticus Holdings Corporation's net assets metrics with peer companies in the Credit Services industry.

Industry Context

  • Industry: Credit Services
  • Average net assets among peers: $3,710,308,432
  • Average return on equity (ROE) among peers: 1.43%

Peer Company Comparison

Company Net Assets Return on Equity Debt-to-Equity Market Cap
Atlanticus Holdings Corporation (ATLC) $683.97 Million 46.61% 9.91x $1.34 Billion
Affirm Holdings Inc (AFRM) $2.58 Billion -17.12% 0.89x $20.82 Billion
Federal Agricultural Mortgage Corporation (AGM) $574.47 Million 13.11% 22.26x $1.71 Billion
Federal Agricultural Mortgage Corporation (AGM-A) $992.48 Million 10.95% 23.54x $144.53 Million
AIOS Tech Inc. (AIOS) $211.13 Million 2.74% 0.29x $3.53 Million
Ally Financial Inc (ALLY) $13.27 Billion 9.52% 12.48x $12.59 Billion
Antalpha Platform Holding Co (ANTA) $12.71 Million -51.81% 56.59x $158.11 Million
American Express Company (AXP) $13.86 Billion 19.27% 10.34x $215.64 Billion
Bread Financial Holdings, Inc. (BFH) $1.62 Billion 17.15% 15.34x $4.10 Billion
Credit Acceptance Corporation (CACC) $276.26 Million 9.05% 1.72x $5.46 Billion

About Atlanticus Holdings Corporation

NASDAQ:ATLC USA Credit Services
Market Cap
$1.45 Billion
Market Cap Rank
#7831 Global
#2261 in USA
Share Price
$95.77
Change (1 day)
-0.49%
52-Week Range
$47.96 - $96.24
All Time High
$96.24
Categories
Companies in USA Credit Services Banking & Financial
About

Atlanticus Holdings Corporation, a financial technology company, provides products and services to lenders in the United States. The company operates in two segments, Credit as a Service (CaaS) and Auto Finance. Its CaaS segment offers private label credit products associated with the healthcare space under the Curae brand, as well as consumer electronics, furniture, elective medical procedures, … Read more