Atlanticus Holdings (ATLC) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), Atlanticus Holdings had a P/E ratio of 9.07 (down from 9.41), return on equity of 19.7% (down from 19.8%), debt-to-equity of 10.16 (up from 4.32) and a current ratio of 5.95 (down from 17.44). A current ratio of 5.95 means current assets exceed current liabilities.

Atlanticus Holdings Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Valuation Ratios
P/E Ratio	9.07	9.41	7.30	3.42	6.92	4.64
Forward P/E	8.53	9.99	7.93	4.44	8.26	-
P/S Ratio	1.82	2.06	1.60	0.98	2.48	1.39
P/B Ratio	1.57	1.42	1.06	0.81	2.52	1.66
Price/Tangible Book	1.75	1.67	1.44	1.16	3.74	4.62
Price/FCF	1.60	1.76	1.24	1.10	5.24	1.69
Price/OCF	1.59	1.75	1.23	1.09	5.07	1.68
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	19.72%	19.80%	20.44%	30.18%	55.30%	61.53%
Return on Assets (ROA)	2.21%	3.68%	4.00%	6.22%	11.28%	8.76%
Return on Invested Capital (ROIC)	2.45%	3.86%	4.19%	6.47%	13.24%	8.99%
Leverage & Solvency Ratios
Debt/Equity	10.16	4.32	3.80	3.91	3.34	4.28
Debt/FCF	10.34	5.36	4.45	5.30	6.95	4.36
Liquidity Ratios
Current Ratio	5.95	17.44	6.75	22.53	21.46	17.65
Quick Ratio	5.79	16.60	6.57	21.81	20.21	16.23
Efficiency Ratios
Asset Turnover	0.10	0.13	0.14	0.18	0.28	0.24
Yield & Distribution Ratios
Earnings Yield	12.06%	13.54%	18.15%	35.83%	16.53%	26.35%
FCF Yield	62.44%	56.88%	80.37%	90.57%	19.07%	59.35%
Payout Ratio	10.17%	23.13%	24.22%	18.28%	12.26%	14.41%
Buyback Yield	-1.99%	0.43%	2.55%	7.28%	-3.96%	-31.62%

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Atlanticus Holdings Financial Ratios

What is Atlanticus Holdings's P/E ratio?

Atlanticus Holdings's P/E ratio was 9.07 for fiscal 2025 (period ended Dec 31, 2025). It was 9.41 a year earlier.

What is Atlanticus Holdings's return on equity?

Atlanticus Holdings's return on equity (ROE) was 19.7% for fiscal 2025 (period ended Dec 31, 2025). It was 19.8% a year earlier.

What is Atlanticus Holdings's debt-to-equity ratio?

Atlanticus Holdings's debt-to-equity ratio was 10.16 for fiscal 2025 (period ended Dec 31, 2025). It was 4.32 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition