ATLC Earnings Date: Nov 5, 2026 (Estimated) — Atlanticus Holdings Corporation
NASDAQ · Financials · Credit Services
Updated
When is ATLC's next earnings date?
Atlanticus Holdings Corporation (ATLC) is expected to report Q3 2026 earnings on Thursday, November 5, 2026 at 8:00 AM ET (before market open); the date is an estimate and has not been confirmed by the company. The consensus estimate is EPS of $2.99 on revenue of $775.1M.
How did ATLC do in its last earnings report?
In its most recent report on Aug 6, 2026 (Q2 2026), Atlanticus Holdings Corporation posted EPS of $2.50 versus the $2.42 estimate, a beat of 0.4%. Revenue was $744.3M against a $716.3M estimate. The stock's 1-day post-earnings move was -10.5%.
How much does ATLC stock move after earnings?
ATLC beat EPS estimates in 7 of its last 8 reported quarters. Over the last 8 reports the stock moved an average of 7.3% (up or down) in the day after earnings.
About Atlanticus Holdings Corporation
Atlanticus Holdings Corporation, operating under the ticker ATLC, is a financial services enterprise providing a spectrum of credit and related financial solutions to consumers throughout the United States. The company's operations are structured into two principal divisions: Credit as a Service and Auto Finance. The Credit as a Service segment is dedicated to the origination and facilitation of various consumer loan products. This includes both private label credit cards, often associated with specific retailers or healthcare providers, and general purpose credit cards. These cards are issued by lenders and disseminated through multiple avenues, such as retail and healthcare partnerships, targeted direct mail campaigns, digital marketing initiatives, and collaborations with external organizations. This segment empowers customers to finance acquisitions of diverse goods and services, ranging from consumer electronics and furniture to elective medical procedures, general healthcare, educational offerings, and home renovation projects. Beyond loan origination, it also offers comprehensive loan servicing, encompassing risk management and outsourced customer support for third parties, while concurrently engaging in research and development, and making strategic investments in nascent consumer finance technology platforms. The Auto Finance segment is focused on the purchase and servicing of loans collateralized by automobiles. These activities are performed for or on behalf of a carefully selected network of independent automotive dealerships and specialized finance companies, particularly those operating within the "buy-here, pay-here" and used car markets. This segment also extends its financial offerings to include inventory financing, commonly known as floor plan financing, and various installment lending products. Furthermore, Atlanticus Holdings Corporation strategically invests in and actively manages portfolios comprised of credit card receivables. The company was founded in 1996 and is headquartered in Atlanta, Georgia.
Earnings History
| Date | Period | EPS Est. | EPS Act. | Surprise | Revenue | Result | 1D Δ | 1W Δ | 1M Δ |
|---|---|---|---|---|---|---|---|---|---|
| 2026-08-06 | Q2 2026 | 2.42 | 2.50 | +0.40% | $744.3M | ✅ Beat | -10.54% | -13.19% | -16.69% |
| 2026-05-07 | Q1 2026 | 1.67 | 2.23 | +33.53% | $679.5M | ✅ Beat | +8.26% | +2.46% | +9.64% |
| 2026-03-12 | Q4 2025 | 1.60 | 1.75 | +9.38% | $734.4M | ✅ Beat | -9.08% | +2.07% | +27.18% |
| 2025-11-10 | Q3 2025 | 1.49 | 1.48 | -0.67% | $494.7M | ❌ Miss | -5.57% | -1.19% | +13.76% |
| 2025-03-13 | Q4 2024 | 1.26 | 1.42 | +12.70% | $353.5M | ✅ Beat | +11.28% | +17.32% | +17.66% |
| 2024-11-07 | Q3 2024 | 1.23 | 1.27 | +3.25% | $351.2M | ✅ Beat | +5.83% | +16.56% | +45.06% |
| 2024-05-10 | Q1 2024 | 1.01 | 1.09 | +7.92% | $290.7M | ✅ Beat | -2.59% | -16.43% | -6.71% |
| 2024-03-04 | Q4 2023 | 0.96 | 1.10 | +14.58% | $309.1M | ✅ Beat | -5.13% | -2.97% | -10.01% |
Showing last 8 quarters.
Revenue by segment & region
By segment
Q1 FY26 · $71.9M total
| Segment | Share | Revenue | YoY | Q2 FY24 | Q3 FY24 | Q1 FY25 | Q2 FY25 |
|---|---|---|---|---|---|---|---|
| Other Revenue | 55.2% | $39.7M | +110.1% | — | — | $18.9M | $23.2M |
| Merchant Fees | 44.8% | $32.3M | -4.0% | — | — | $33.6M | $62.5M |
Source: company filings via FMP. YoY compares the same fiscal period a year earlier.