Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 (ATLCZ) EBITDA Margin: History & Chart

Atlanticus Holdings Corporation 9.25% Senior Notes due 2029(ATLCZ)

Financial - Credit Services · Atlanta, GA

$25.15+0.01 (+0.04%)

Delayed quote: Oct 6, 2026, 12:22 PM EDT

About Atlanticus Holdings Corporation 9.25% Senior Notes due 2029

Atlanticus Holdings Corporation is a U.S.-based financial services firm that delivers a range of credit and related financial solutions to consumers. Its operations are structured into two distinct divisions: 'Credit as a Service' and 'Auto Finance'. The 'Credit as a Service' segment specializes in the origination of diverse consumer lending products. These include both proprietary (private label) and general-purpose credit cards, often facilitated by partner lenders. Distribution occurs through multiple avenues, such as retail and healthcare partnerships, targeted direct mail campaigns, digital marketing, and strategic collaborations. It enables customers to finance a wide array of goods and services – from consumer electronics and furniture to elective medical procedures, educational services, and home improvements – by collaborating with various retailers and service providers. Furthermore, this segment provides outsourced loan servicing solutions, encompassing risk management and customer support for other entities. It also actively tests and invests in cutting-edge consumer finance technology platforms. The 'Auto Finance' segment primarily focuses on acquiring and/or servicing vehicle-backed loans. These loans originate from or are managed for a carefully vetted network of independent automotive dealerships and finance companies, particularly those operating in the 'buy-here, pay-here' and broader used car markets. Additionally, this division offers floor plan financing and various installment loan products. Beyond these core segments, Atlanticus also invests in and manages portfolios of credit card receivables. Established in 1996, Atlanticus Holdings Corporation maintains its headquarters in Atlanta, Georgia.

Atlanta, GA

576 employees

www.atlanticus.com

Financial Services / Financial - Credit Services

Sector: Financial Services
Industry: Financial - Credit Services
CEO: Jeffrey A. Howard

View full financials

ATLCZ EBITDA Margin Metrics

EBITDA MARGIN

24.08%

EBITDA MARGIN AVG TTM

20.61%

EBITDA MARGIN AVG 3Y

29.85%

EBITDA MARGIN AVG 5Y

34.80%

EBITDA MARGIN AVG 10Y

24.33%

EBITDA MARGIN AVG 15Y

16.63%

EBITDA MARGIN AVG 20Y

9.84%

CURRENT VS TTM AVG

+16.84%

CURRENT VS 3Y AVG

-19.34%

CURRENT VS 5Y AVG

-30.80%

CURRENT VS 10Y AVG

-1.01%

CURRENT VS 15Y AVG

+44.81%

CURRENT VS 20Y AVG

+144.79%

NAME	MARKET CAP	EBITDA MARGIN	TTM	3Y	5Y
Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 (ATLCZ)	$1.66B	24.08%	20.61%	29.85%	34.80%
Goosehead Insurance, Inc (GSHD)vs ›	$1.67B	23.47%	23.20%	16.49%	15.25%
ConnectOne Bancorp, Inc. (CNOBP)vs ›	$1.65B	20.90%	20.19%	27.61%	32.94%
QCR Holdings, Inc. (QCRH)vs ›	$1.65B	24.84%	23.80%	26.85%	29.60%
Republic Bancorp, Inc. (RBCAA)vs ›	$1.64B	34.60%	31.54%	34.04%	35.44%
Hyperliquid Strategies Inc Common Stock (PURR)vs ›	$1.69B	-47.47%	-47.47%	-47.47%	-47.47%
Bank First Corporation (BFC)vs ›	$1.69B	39.00%	39.11%	46.09%	47.29%
Atlanticus Holdings Corporation (ATLCP)vs ›	$1.63B	24.08%	27.68%	33.19%	35.49%
Hope Bancorp, Inc. (HOPE)vs ›	$1.73B	8.65%	10.98%	19.19%	23.99%
Nuveen California Quality Municipal Income Fund (NAC)vs ›	$1.57B	-56.74%	26.01%	-294.88%	-199.26%

NAME

MARKET CAP

EBITDA MARGIN

TTM

Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 (ATLCZ)

$1.66B

24.08%

20.61%

29.85%

34.80%

Goosehead Insurance, Inc (GSHD)vs ›

$1.67B

23.47%

23.20%

16.49%

15.25%

ConnectOne Bancorp, Inc. (CNOBP)vs ›

$1.65B

20.90%

20.19%

27.61%

32.94%

QCR Holdings, Inc. (QCRH)vs ›

$1.65B

24.84%

23.80%

26.85%

29.60%

Republic Bancorp, Inc. (RBCAA)vs ›

$1.64B

34.60%

31.54%

34.04%

35.44%

Hyperliquid Strategies Inc Common Stock (PURR)vs ›

$1.69B

-47.47%

Bank First Corporation (BFC)vs ›

$1.69B

39.00%

39.11%

46.09%

47.29%

Atlanticus Holdings Corporation (ATLCP)vs ›

$1.63B

24.08%

27.68%

33.19%

35.49%

Hope Bancorp, Inc. (HOPE)vs ›

$1.73B

8.65%

10.98%

19.19%

23.99%

Nuveen California Quality Municipal Income Fund (NAC)vs ›

$1.57B

-56.74%

26.01%

-294.88%

-199.26%

EBITDA Margin FAQ

What is the EBITDA margin for Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 (ATLCZ)?

The EBITDA margin for ATLCZ stock is 24.08%.

Is Atlanticus Holdings Corporation 9.25% Senior Notes due 2029's EBITDA margin high or low?

The EBITDA margin of 24.08% is 31% below its 5-year average of 34.80%, around the middle of its 5-year range (6.73%–52.87%).

What is the TTM average EBITDA margin for Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 (ATLCZ)?

The TTM average EBITDA margin for ATLCZ stock is 20.61%.

What is the 3Y average EBITDA margin for Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 (ATLCZ)?

The 3Y average EBITDA margin for ATLCZ stock is 29.85%.

What is the 5Y average EBITDA margin for Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 (ATLCZ)?

The 5Y average EBITDA margin for ATLCZ stock is 34.80%.

What is the 10Y average EBITDA margin for Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 (ATLCZ)?

The 10Y average EBITDA margin for ATLCZ stock is 24.33%.

What is the 15Y average EBITDA margin for Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 (ATLCZ)?

The 15Y average EBITDA margin for ATLCZ stock is 16.63%.

What is the 20Y average EBITDA margin for Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 (ATLCZ)?

The 20Y average EBITDA margin for ATLCZ stock is 9.84%.

DATE	EBITDA MARGIN
2026-06-30	6.73%
2026-03-31	27.25%
2025-12-31	20.32%
2025-09-30	19.56%
2025-06-30	29.19%
2025-03-31	31.54%
2024-12-31	30.94%
2024-09-30	32.30%
2024-06-30	29.25%
2024-03-31	32.54%
2023-12-31	32.48%
2023-09-30	36.02%
2023-06-30	36.85%
2023-03-31	40.20%
2022-12-31	36.83%
2022-09-30	44.68%
2022-06-30	44.25%
2022-03-31	38.59%
2021-12-31	52.87%
2021-06-30	45.49%
2021-03-31	52.72%
2020-12-31	37.76%
2020-09-30	52.43%
2020-06-30	31.84%
2020-03-31	7.86%
2019-12-31	2.84%
2019-09-30	16.98%
2019-06-30	10.81%
2019-03-31	11.28%
2018-12-31	30.75%
2018-09-30	-36.86%
2018-06-30	2.24%
2018-03-31	-12.81%
2017-12-31	-74.30%
2017-09-30	-53.96%
2017-06-30	-53.68%
2017-03-31	7.25%
2016-12-31	-21.55%
2016-09-30	-71.51%
2016-06-30	14.31%
2016-03-31	47.74%
2015-12-31	32.29%
2015-09-30	39.33%
2015-06-30	58.08%
2015-03-31	62.49%
2014-12-31	54.76%
2014-09-30	19.01%
2014-06-30	20.49%
2014-03-31	37.04%
2013-12-31	22.98%
2013-09-30	-7.75%
2013-06-30	-44.83%
2013-03-31	-6.32%
2012-12-31	-33.49%
2012-09-30	-53.76%
2012-06-30	-23.21%
2012-03-31	-12.66%
2011-12-31	-7.68%
2011-09-30	-6.15%
2011-06-30	-1.97%
2011-03-31	56.09%
2010-12-31	-9.80%
2010-09-30	-3.86%
2010-06-30	-82.59%
2010-03-31	-70.35%
2009-12-31	-216.74%
2009-09-30	209.02%
2009-06-30	301.85%
2009-03-31	386.79%
2008-12-31	-29.91%
2008-09-30	-31.31%
2008-06-30	-49.16%
2008-03-31	11.32%
2007-12-31	13.13%
2007-09-30	-15.43%
2007-06-30	0.39%
2007-03-31	4.69%
2006-12-31	7.15%
2006-09-30	19.52%
2006-06-30	16.66%
2006-03-31	19.50%
2005-12-31	5.77%
2005-09-30	35.50%
2005-06-30	39.88%
2005-03-31	39.06%
2004-12-31	69.23%
2004-06-30	28.74%
2004-03-31	30.00%
2003-12-31	26.23%
2002-12-31	42.28%
2002-09-30	49.82%

DATE

EBITDA MARGIN

2026-06-30

6.73%

2026-03-31

27.25%

2025-12-31

20.32%

2025-09-30

19.56%

2025-06-30

29.19%

2025-03-31

31.54%

2024-12-31

30.94%

2024-09-30

32.30%

2024-06-30

29.25%

2024-03-31

32.54%

2023-12-31

32.48%

2023-09-30

36.02%

2023-06-30

36.85%

2023-03-31

40.20%

2022-12-31

36.83%

2022-09-30

44.68%

2022-06-30

44.25%

2022-03-31

38.59%

2021-12-31

52.87%

2021-06-30

45.49%

2021-03-31

52.72%

2020-12-31

37.76%

2020-09-30

52.43%

2020-06-30

31.84%

2020-03-31

7.86%

2019-12-31

2.84%

2019-09-30

16.98%

2019-06-30

10.81%

2019-03-31

11.28%

2018-12-31

30.75%

2018-09-30

-36.86%

2018-06-30

2.24%

2018-03-31

-12.81%

2017-12-31

-74.30%

2017-09-30

-53.96%

2017-06-30

-53.68%

2017-03-31

7.25%

2016-12-31

-21.55%

2016-09-30

-71.51%

2016-06-30

14.31%

2016-03-31

47.74%

2015-12-31

32.29%

2015-09-30

39.33%

2015-06-30

58.08%

2015-03-31

62.49%

2014-12-31

54.76%

2014-09-30

19.01%

2014-06-30

20.49%

2014-03-31

37.04%

2013-12-31

22.98%

2013-09-30

-7.75%

2013-06-30

-44.83%

2013-03-31

-6.32%

2012-12-31

-33.49%

2012-09-30

-53.76%

2012-06-30

-23.21%

2012-03-31

-12.66%

2011-12-31

-7.68%

2011-09-30

-6.15%

2011-06-30

-1.97%

2011-03-31

56.09%

2010-12-31

-9.80%

2010-09-30

-3.86%

2010-06-30

-82.59%

2010-03-31

-70.35%

2009-12-31

-216.74%

2009-09-30

209.02%

2009-06-30

301.85%

2009-03-31

386.79%

2008-12-31

-29.91%

2008-09-30

-31.31%

2008-06-30

-49.16%

2008-03-31

11.32%

2007-12-31

13.13%

2007-09-30

-15.43%

2007-06-30

0.39%

2007-03-31

4.69%

2006-12-31

7.15%

2006-09-30

19.52%

2006-06-30

16.66%

2006-03-31

19.50%

2005-12-31

5.77%

2005-09-30

35.50%

2005-06-30

39.88%

2005-03-31

39.06%

2004-12-31

69.23%

2004-06-30

28.74%

2004-03-31

30.00%

2003-12-31

26.23%

2002-12-31

42.28%

2002-09-30

49.82%

EBITDA Margin: 24.08%

ATLCZ EBITDA Margin

ATLCZ Average EBITDA Margin Chart

ATLCZ Current vs Average EBITDA Margin Chart

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