Event-Driven Stocks

Atlanticus Holdings Corp

ATLCNasdaq

Financials · Personal Credit Institutions · GA · SEC filings ↗ · Compare ⊕

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Signs● 4 good● 1 warning● 1 severedetails ↓

Financials

SEC XBRL · annual
 FY25FY24FY23FY22FY21FY20
Revenue$309.6M$204.7M$160.9M$42.8M$30.6M$15.4M
Operating income——————
Net income$122.2M$111.3M$102.8M$135.6M$177.9M$94.1M
Total assets$7.62B$3.27B$2.71B$2.39B$1.94B$1.21B
Total liabilities$6.98B$2.69B$2.17B$1.92B$1.52B$991.4M
Equity$608.7M$492.9M$394.7M$326.4M$288.0M$77.3M
EPS (diluted)$5.96$4.77$4.24$5.83$7.56$3.95
Shares out.15.1M14.6M14.4M14.9M16.4M15.9M

Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.

Key ratios

from filings · FY2025
Operating margin
—
Net margin
39.5%
Return on equity
20.1%
Return on assets
1.6%
Return on capital (ROCE)
—
Liabilities / assets
91.6%
Debt / equity
11.47×
Book value / share
$40.27
Revenue growth (YoY)
51.2%
Net income growth (YoY)
9.8%

Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.

Financial health

forensic scores · FY2025
Accruals / assets
−6.8%clean
Piotroski F-Score
3/7weak

Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.

Quality score

EDS Score
77
/ 100
Profitability 100Growth 100Catalyst 33Earnings quality 100Financial strength 50

Our own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.

Signs

● 1 severe● 1 warning● 4 good
  • Filed a late-filing notice (Form NT) — missed an SEC deadline
  • High leverage (liabilities > 70% of assets)
  • Strong return on equity (>15%)
  • Revenue is growing year-over-year
  • Positive operating cash flow
  • Clean earnings (low accruals)

Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.

Risk flags

late SEC filings

A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.

Short interest

FINRA · bi-monthly
SettlementShares shortDays to coverΔ vs prior
May 15, 2026403,1595.8-4.6%
Apr 30, 2026422,5176.2-10.8%
Apr 15, 2026473,5346.9-2.2%
Mar 31, 2026484,3777.7+1.4%
Mar 13, 2026477,5966.1-1.0%

Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.

Material events

SEC Form 8-K · most recent

Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.

Recent SEC filings

All filings ↗

Event-driven situations (1)

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