Atlanticus Holdings (ATLC) Debt/Equity Ratio: History & Chart

Atlanticus Holdings Corporation(ATLC)

Financial - Credit Services · Atlanta, GA

$93.35+0.49 (+0.53%)

Delayed quote: Oct 6, 2026, 10:20 AM EDT

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.

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

ATLC Debt to Equity Ratio Metrics

DEBT TO EQUITY RATIO

8.48

DEBT TO EQUITY RATIO AVG TTM

8.61

DEBT TO EQUITY RATIO AVG 3Y

6.36

DEBT TO EQUITY RATIO AVG 5Y

5.06

DEBT TO EQUITY RATIO AVG 10Y

6.75

DEBT TO EQUITY RATIO AVG 15Y

7.31

DEBT TO EQUITY RATIO AVG 20Y

5.92

CURRENT VS TTM AVG

-1.48%

CURRENT VS 3Y AVG

+33.44%

CURRENT VS 5Y AVG

+67.65%

CURRENT VS 10Y AVG

+25.79%

CURRENT VS 15Y AVG

+16.10%

CURRENT VS 20Y AVG

+43.41%

SECTOR MEDIAN · FINANCIAL SERVICES

0.34

median of 474 covered companies

CURRENT VS SECTOR MEDIAN

+2395.48%

vs the sector median at left

NAME	MARKET CAP	DEBT TO EQUITY RATIO	TTM	3Y	5Y
Atlanticus Holdings Corporation (ATLC)	$1.41B	8.48	8.61	6.36	5.06
Burke & Herbert Financial Services Corp. (BHRB)vs ›	$1.41B	0.56	0.64	1.38	1.35
Community Trust Bancorp, Inc. (CTBI)vs ›	$1.39B	0.42	0.44	0.45	0.49
Amalgamated Financial Corp. (AMAL)vs ›	$1.43B	0.09	0.29	0.63	0.48
Lakeland Financial Corporation (LKFN)vs ›	$1.46B	0.09	0.12	0.21	0.18
Capital Southwest Corporation (CSWC)vs ›	$1.47B	0.46	1.10	1.08	1.11
First Mid Bancshares, Inc. (FMBH)vs ›	$1.33B	0.56	0.64	0.84	0.78
HBT Financial, Inc. (HBT)vs ›	$1.33B	0.20	0.18	0.35	0.35
ConnectOne Bancorp, Inc. (CNOB)vs ›	$1.54B	0.02	0.69	0.77	0.72
Nuveen California Quality Municipal Income Fund (NAC)vs ›	$1.55B	0.75	0.71	0.69	0.65

NAME

MARKET CAP

DEBT TO EQUITY RATIO

TTM

Atlanticus Holdings Corporation (ATLC)

$1.41B

8.48

8.61

6.36

5.06

Burke & Herbert Financial Services Corp. (BHRB)vs ›

$1.41B

0.56

0.64

1.38

1.35

Community Trust Bancorp, Inc. (CTBI)vs ›

$1.39B

0.42

0.44

0.45

0.49

Amalgamated Financial Corp. (AMAL)vs ›

$1.43B

0.09

0.29

0.63

0.48

Lakeland Financial Corporation (LKFN)vs ›

$1.46B

0.09

0.12

0.21

0.18

Capital Southwest Corporation (CSWC)vs ›

$1.47B

0.46

1.10

1.08

1.11

First Mid Bancshares, Inc. (FMBH)vs ›

$1.33B

0.56

0.64

0.84

0.78

HBT Financial, Inc. (HBT)vs ›

$1.33B

0.20

0.18

0.35

ConnectOne Bancorp, Inc. (CNOB)vs ›

$1.54B

0.02

0.69

0.77

0.72

Nuveen California Quality Municipal Income Fund (NAC)vs ›

$1.55B

0.75

0.71

0.69

0.65

Debt to Equity Ratio FAQ

What is the debt to equity ratio for Atlanticus Holdings Corporation (ATLC)?

The debt to equity ratio for ATLC stock is 8.48.

Is Atlanticus Holdings Corporation's debt to equity ratio high or low?

The debt to equity ratio of 8.48 is 68% above its 5-year average of 5.06, around the middle of its 5-year range (3.82–10.75).

What is the TTM average debt to equity ratio for Atlanticus Holdings Corporation (ATLC)?

The TTM average debt to equity ratio for ATLC stock is 8.61.

What is the 3Y average debt to equity ratio for Atlanticus Holdings Corporation (ATLC)?

The 3Y average debt to equity ratio for ATLC stock is 6.36.

What is the 5Y average debt to equity ratio for Atlanticus Holdings Corporation (ATLC)?

The 5Y average debt to equity ratio for ATLC stock is 5.06.

What is the 10Y average debt to equity ratio for Atlanticus Holdings Corporation (ATLC)?

The 10Y average debt to equity ratio for ATLC stock is 6.75.

What is the 15Y average debt to equity ratio for Atlanticus Holdings Corporation (ATLC)?

The 15Y average debt to equity ratio for ATLC stock is 7.31.

What is the 20Y average debt to equity ratio for Atlanticus Holdings Corporation (ATLC)?

The 20Y average debt to equity ratio for ATLC stock is 5.92.

DATE	DEBT TO EQUITY RATIO
2026-06-30	8.48
2026-03-31	9.23
2025-12-31	10.75
2025-09-30	9.63
2025-06-30	4.97
2025-03-31	4.69
2024-12-31	5.08
2024-09-30	5.04
2024-06-30	4.43
2024-03-31	5.00
2023-12-31	5.13
2023-09-30	5.18
2023-06-30	5.04
2023-03-31	5.14
2022-12-31	5.57
2022-09-30	5.56
2022-06-30	5.49
2022-03-31	5.16
2021-12-31	4.95
2021-09-30	3.82
2021-06-30	4.55
2021-03-31	7.31
2020-12-31	11.95
2020-09-30	14.01
2020-06-30	33.38
2020-03-31	232.30
2019-12-31	882.43
2019-09-30	253.87
2019-06-30	-77.74
2019-03-31	-34.86
2018-12-31	-22.89
2018-09-30	-8.46
2018-06-30	-11.73
2018-03-31	-8.22
2017-12-31	-9.35
2017-09-30	-18.98
2017-06-30	-206.15
2017-03-31	36.57
2016-12-31	43.93
2016-09-30	31.64
2016-06-30	12.46
2016-03-31	11.78
2015-12-31	17.86
2015-09-30	15.28
2015-06-30	16.20
2015-03-31	17.73
2014-12-31	26.88
2014-09-30	-9.00
2014-06-30	-11.25
2014-03-31	-25.95
2013-12-31	212.37
2013-09-30	-75.53
2013-06-30	56.95
2013-03-31	29.28
2012-12-31	13.59
2012-09-30	16.26
2012-06-30	4.92
2012-03-31	5.80
2011-12-31	9.90
2011-09-30	6.40
2011-06-30	7.31
2011-03-31	8.82
2010-12-31	16.28
2010-09-30	11.47
2010-06-30	14.30
2010-03-31	6.09
2009-12-31	2.49
2009-09-30	1.54
2009-06-30	0.98
2009-03-31	0.80
2008-12-31	0.69
2008-09-30	1.00
2008-06-30	0.98
2008-03-31	1.01
2007-12-31	0.99
2007-09-30	1.77
2007-06-30	1.21
2007-03-31	1.28
2006-12-31	1.03
2006-09-30	1.06
2006-06-30	0.95
2006-03-31	0.91
2005-12-31	0.93
2005-09-30	0.54
2005-06-30	0.56
2005-03-31	0.11
2004-12-31	0.12
2004-09-30	0.12
2004-06-30	0.09
2004-03-31	0.01
2003-12-31	0.00
2003-09-30	0.01
2003-06-30	0.01
2003-03-31	0.00
2002-12-31	0.00
2002-09-30	0.02

DATE

DEBT TO EQUITY RATIO

2026-06-30

8.48

2026-03-31

9.23

2025-12-31

10.75

2025-09-30

9.63

2025-06-30

4.97

2025-03-31

4.69

2024-12-31

5.08

2024-09-30

5.04

2024-06-30

4.43

2024-03-31

5.00

2023-12-31

5.13

2023-09-30

5.18

2023-06-30

5.04

2023-03-31

5.14

2022-12-31

5.57

2022-09-30

5.56

2022-06-30

5.49

2022-03-31

5.16

2021-12-31

4.95

2021-09-30

3.82

2021-06-30

4.55

2021-03-31

7.31

2020-12-31

11.95

2020-09-30

14.01

2020-06-30

33.38

2020-03-31

232.30

2019-12-31

882.43

2019-09-30

253.87

2019-06-30

-77.74

2019-03-31

-34.86

2018-12-31

-22.89

2018-09-30

-8.46

2018-06-30

-11.73

2018-03-31

-8.22

2017-12-31

-9.35

2017-09-30

-18.98

2017-06-30

-206.15

2017-03-31

36.57

2016-12-31

43.93

2016-09-30

31.64

2016-06-30

12.46

2016-03-31

11.78

2015-12-31

17.86

2015-09-30

15.28

2015-06-30

16.20

2015-03-31

17.73

2014-12-31

26.88

2014-09-30

-9.00

2014-06-30

-11.25

2014-03-31

-25.95

2013-12-31

212.37

2013-09-30

-75.53

2013-06-30

56.95

2013-03-31

29.28

2012-12-31

13.59

2012-09-30

16.26

2012-06-30

4.92

2012-03-31

5.80

2011-12-31

9.90

2011-09-30

6.40

2011-06-30

7.31

2011-03-31

8.82

2010-12-31

16.28

2010-09-30

11.47

2010-06-30

14.30

2010-03-31

6.09

2009-12-31

2.49

2009-09-30

1.54

2009-06-30

0.98

2009-03-31

0.80

2008-12-31

0.69

2008-09-30

1.00

2008-06-30

0.98

2008-03-31

1.01

2007-12-31

0.99

2007-09-30

1.77

2007-06-30

1.21

2007-03-31

1.28

2006-12-31

1.03

2006-09-30

1.06

2006-06-30

0.95

2006-03-31

0.91

2005-12-31

0.93

2005-09-30

0.54

2005-06-30

0.56

2005-03-31

0.11

2004-12-31

0.12

2004-09-30

0.12

2004-06-30

0.09

2004-03-31

0.01

2003-12-31

0.00

2003-09-30

0.01

2003-06-30

0.01

2003-03-31

0.00

2002-12-31

0.00

2002-09-30

0.02

Debt to Equity Ratio: 8.48

ATLC Debt to Equity Ratio

ATLC Average Debt to Equity Ratio Chart

ATLC Current vs Average Debt to Equity Ratio Chart

ATLC Debt to Equity Ratio Metrics

ATLC Competitors' Debt to Equity Ratio

Financial Health

Debt to Equity Ratio Formula & Definition

Debt to Equity Ratio FAQ

ATLC Debt to Equity Ratio History

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