Atlanticus Holdings (ATLC) ROE: History & Chart

Atlanticus Holdings Corporation(ATLC)

Financial - Credit Services · Atlanta, GA

$93.14+0.28 (+0.30%)

Delayed quote: Oct 6, 2026, 10:05 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 Return on Equity (ROE) Metrics

RETURN ON EQUITY (ROE)

20.76%

RETURN ON EQUITY (ROE) AVG TTM

20.21%

RETURN ON EQUITY (ROE) AVG 3Y

22.88%

RETURN ON EQUITY (ROE) AVG 5Y

35.20%

RETURN ON EQUITY (ROE) AVG 10Y

41.36%

RETURN ON EQUITY (ROE) AVG 15Y

67.02%

RETURN ON EQUITY (ROE) AVG 20Y

39.97%

CURRENT VS TTM AVG

+2.71%

CURRENT VS 3Y AVG

-9.26%

CURRENT VS 5Y AVG

-41.02%

CURRENT VS 10Y AVG

-49.81%

CURRENT VS 15Y AVG

-69.03%

CURRENT VS 20Y AVG

-48.06%

SECTOR MEDIAN · FINANCIAL SERVICES

9.41%

median of 449 covered companies

CURRENT VS SECTOR MEDIAN

+120.60%

vs the sector median at left

NAME	MARKET CAP	RETURN ON EQUITY (ROE)	TTM	3Y	5Y
Atlanticus Holdings Corporation (ATLC)	$1.41B	20.76%	20.21%	22.88%	35.20%
Burke & Herbert Financial Services Corp. (BHRB)vs ›	$1.41B	8.07%	9.31%	10.48%	9.68%
Community Trust Bancorp, Inc. (CTBI)vs ›	$1.39B	12.11%	11.19%	11.63%	11.37%
Amalgamated Financial Corp. (AMAL)vs ›	$1.43B	13.58%	14.09%	14.81%	12.87%
Lakeland Financial Corporation (LKFN)vs ›	$1.47B	14.38%	13.62%	14.98%	14.39%
Capital Southwest Corporation (CSWC)vs ›	$1.47B	10.46%	9.58%	8.95%	10.19%
First Mid Bancshares, Inc. (FMBH)vs ›	$1.33B	9.10%	9.45%	9.78%	9.20%
HBT Financial, Inc. (HBT)vs ›	$1.32B	10.17%	12.84%	13.56%	13.01%
ConnectOne Bancorp, Inc. (CNOB)vs ›	$1.55B	9.84%	5.53%	7.21%	8.03%
Nuveen California Quality Municipal Income Fund (NAC)vs ›	$1.55B	-7.34%	-1.33%	-3.13%	-2.46%

NAME

MARKET CAP

RETURN ON EQUITY (ROE)

TTM

Atlanticus Holdings Corporation (ATLC)

$1.41B

20.76%

20.21%

22.88%

35.20%

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

$1.41B

8.07%

9.31%

10.48%

9.68%

Community Trust Bancorp, Inc. (CTBI)vs ›

$1.39B

12.11%

11.19%

11.63%

11.37%

Amalgamated Financial Corp. (AMAL)vs ›

$1.43B

13.58%

14.09%

14.81%

12.87%

Lakeland Financial Corporation (LKFN)vs ›

$1.47B

14.38%

13.62%

14.98%

14.39%

Capital Southwest Corporation (CSWC)vs ›

$1.47B

10.46%

9.58%

8.95%

10.19%

First Mid Bancshares, Inc. (FMBH)vs ›

$1.33B

9.10%

9.45%

9.78%

9.20%

HBT Financial, Inc. (HBT)vs ›

$1.32B

10.17%

12.84%

13.56%

13.01%

ConnectOne Bancorp, Inc. (CNOB)vs ›

$1.55B

9.84%

5.53%

7.21%

8.03%

Nuveen California Quality Municipal Income Fund (NAC)vs ›

$1.55B

-7.34%

-1.33%

-3.13%

-2.46%

Return on Equity (ROE) FAQ

What is the return on equity (ROE) for Atlanticus Holdings Corporation (ATLC)?

The return on equity (ROE) for ATLC stock is 20.76%.

Is Atlanticus Holdings Corporation's return on equity (ROE) high or low?

The return on equity (ROE) of 20.76% is 41% below its 5-year average of 35.20%, near the low end of its 5-year range (18.81%–67.41%).

What is the TTM average return on equity (ROE) for Atlanticus Holdings Corporation (ATLC)?

The TTM average return on equity (ROE) for ATLC stock is 20.21%.

What is the 3Y average return on equity (ROE) for Atlanticus Holdings Corporation (ATLC)?

The 3Y average return on equity (ROE) for ATLC stock is 22.88%.

What is the 5Y average return on equity (ROE) for Atlanticus Holdings Corporation (ATLC)?

The 5Y average return on equity (ROE) for ATLC stock is 35.20%.

What is the 10Y average return on equity (ROE) for Atlanticus Holdings Corporation (ATLC)?

The 10Y average return on equity (ROE) for ATLC stock is 41.36%.

What is the 15Y average return on equity (ROE) for Atlanticus Holdings Corporation (ATLC)?

The 15Y average return on equity (ROE) for ATLC stock is 67.02%.

What is the 20Y average return on equity (ROE) for Atlanticus Holdings Corporation (ATLC)?

The 20Y average return on equity (ROE) for ATLC stock is 39.97%.

DATE	RETURN ON EQUITY (ROE)
2026-06-30	20.76%
2026-03-31	19.59%
2025-12-31	20.08%
2025-09-30	18.81%
2025-06-30	21.82%
2025-03-31	21.90%
2024-12-31	22.58%
2024-09-30	23.22%
2024-06-30	21.53%
2024-03-31	24.71%
2023-12-31	26.06%
2023-09-30	26.68%
2023-06-30	29.69%
2023-03-31	33.72%
2022-12-31	41.54%
2022-09-30	52.56%
2022-06-30	60.64%
2022-03-31	65.25%
2021-12-31	61.77%
2021-09-30	58.85%
2021-06-30	67.41%
2021-03-31	111.93%
2020-12-31	121.78%
2020-09-30	123.85%
2020-06-30	199.45%
2020-03-31	772.22%
2017-03-31	-144.65%
2016-12-31	-109.47%
2016-09-30	-85.32%
2016-06-30	19.69%
2016-03-31	27.54%
2015-12-31	15.63%
2015-09-30	310.08%
2015-06-30	269.53%
2015-03-31	197.49%
2014-12-31	96.45%
2013-06-30	493.45%
2013-03-31	176.66%
2012-12-31	126.72%
2012-09-30	146.38%
2012-06-30	-8.12%
2012-03-31	139.42%
2011-12-31	176.07%
2011-09-30	130.62%
2011-06-30	132.46%
2011-03-31	-33.15%
2010-12-31	-227.61%
2010-09-30	-179.31%
2010-06-30	-579.91%
2010-03-31	-267.27%
2009-12-31	-285.71%
2009-09-30	-215.37%
2009-06-30	-64.04%
2009-03-31	-35.66%
2008-12-31	-14.28%
2008-09-30	-8.50%
2008-06-30	-10.81%
2008-03-31	-5.98%
2007-12-31	-6.43%
2007-09-30	-7.14%
2007-06-30	4.13%
2007-03-31	8.75%
2006-12-31	12.16%
2006-09-30	11.56%
2006-06-30	13.81%
2006-03-31	19.12%
2005-12-31	22.33%
2005-09-30	25.80%
2005-06-30	25.98%
2005-03-31	17.86%
2004-12-31	14.73%
2004-09-30	13.16%
2004-06-30	16.94%
2004-03-31	17.94%
2003-12-31	21.79%
2003-09-30	23.36%
2003-06-30	18.88%

DATE

RETURN ON EQUITY (ROE)

2026-06-30

20.76%

2026-03-31

19.59%

2025-12-31

20.08%

2025-09-30

18.81%

2025-06-30

21.82%

2025-03-31

21.90%

2024-12-31

22.58%

2024-09-30

23.22%

2024-06-30

21.53%

2024-03-31

24.71%

2023-12-31

26.06%

2023-09-30

26.68%

2023-06-30

29.69%

2023-03-31

33.72%

2022-12-31

41.54%

2022-09-30

52.56%

2022-06-30

60.64%

2022-03-31

65.25%

2021-12-31

61.77%

2021-09-30

58.85%

2021-06-30

67.41%

2021-03-31

111.93%

2020-12-31

121.78%

2020-09-30

123.85%

2020-06-30

199.45%

2020-03-31

772.22%

2017-03-31

-144.65%

2016-12-31

-109.47%

2016-09-30

-85.32%

2016-06-30

19.69%

2016-03-31

27.54%

2015-12-31

15.63%

2015-09-30

310.08%

2015-06-30

269.53%

2015-03-31

197.49%

2014-12-31

96.45%

2013-06-30

493.45%

2013-03-31

176.66%

2012-12-31

126.72%

2012-09-30

146.38%

2012-06-30

-8.12%

2012-03-31

139.42%

2011-12-31

176.07%

2011-09-30

130.62%

2011-06-30

132.46%

2011-03-31

-33.15%

2010-12-31

-227.61%

2010-09-30

-179.31%

2010-06-30

-579.91%

2010-03-31

-267.27%

2009-12-31

-285.71%

2009-09-30

-215.37%

2009-06-30

-64.04%

2009-03-31

-35.66%

2008-12-31

-14.28%

2008-09-30

-8.50%

2008-06-30

-10.81%

2008-03-31

-5.98%

2007-12-31

-6.43%

2007-09-30

-7.14%

2007-06-30

4.13%

2007-03-31

8.75%

2006-12-31

12.16%

2006-09-30

11.56%

2006-06-30

13.81%

2006-03-31

19.12%

2005-12-31

22.33%

2005-09-30

25.80%

2005-06-30

25.98%

2005-03-31

17.86%

2004-12-31

14.73%

2004-09-30

13.16%

2004-06-30

16.94%

2004-03-31

17.94%

2003-12-31

21.79%

2003-09-30

23.36%

2003-06-30

18.88%

Return on Equity (ROE): 20.76%

ATLC Return on Equity (ROE)

ATLC Average Return on Equity (ROE) Chart

ATLC Current vs Average Return on Equity (ROE) Chart

ATLC Return on Equity (ROE) Metrics

ATLC Competitors' Return on Equity (ROE)

Return Analysis

Return on Equity (ROE) Formula & Definition

Return on Equity (ROE) FAQ

ATLC Return on Equity (ROE) History

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