ATLC FINANCIAL STATEMENTS

Atlanticus Holdings Corporation — balance sheet, income statement and cash flow trends

ATLCAtlanticus Holdings Corporation

🇺🇸 USA · NASDAQ · Financial Services · Credit Services

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue1.2 B $+155.2%

Gross Profit937.8 M $+210.1%

Operating Income300.5 M $+104.9%

EBITDA312.3 M $+105.3%

Net Income134.9 M $+15.6%

Peer Comparison· Credit Services

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
ATLC	—	—	—	10.8%
QNBFK	—	—	—	—
ZIP	—	—	—	8.9%
GSY	—	—	—	-15.8%
KTLEV	—	—	—	—
ISFIN	—	—	—	—
Industry median	—	—	—	10.0%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity688.4 M $9%
Current Liabilities78.4 M $1%
Long-term Liabilities6.7 B $90%

Key Figures

YoY change

Total Assets7.5 B $+128.1%

Total Liabilities6.8 B $+147.2%

Total Equity688.4 M $+29.2%

Cash & ST Investments804.1 M $+129.5%

Total Debt6.4 B $+154.3%

Net Debt5.6 B $+158.4%

Peer Comparison· Credit Services

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
ATLC	10.25	923.0%	17.77	9.2%
QNBFK	—	0.0%	—	—
ZIP	788.09	383.4%	11.13	16.7%
GSY	—	599.1%	5.42	13.8%
KTLEV	—	0.0%	—	—
ISFIN	—	0.0%	—	—
Industry median	1.20	116.1%	2.39	16.4%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
ATLC	10.25	923.0%	17.77	9.2%
ECPG	0.33	389.8%	5.42	19.0%
WU	1.02	288.1%	-0.34	11.2%
AGM	0.21	2,010.0%	122.35	4.7%
EZPW	4.71	71.3%	1.73	52.7%
UPST	4.03	269.8%	14.24	24.8%
Industry median	1.20	116.1%	2.39	16.4%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow792.7 M $+64.4%

Capital Expenditures2.6 M $-42.0%

Free Cash Flow790.1 M $+65.3%

Dividends Paid-9.1 M $-136.3%

Peer Comparison· Credit Services

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
ATLC	63.4%	63.2%	0.2%	587.8%
QNBFK	—	—	—	—
ZIP	-0.7%	-0.8%	0.1%	-8.1%
GSY	26.0%	-1.5%	1.5%	-165.1%
KTLEV	—	—	—	—
ISFIN	—	—	—	—
Industry median	21.2%	17.3%	1.5%	126.3%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
ATLC	63.4%	63.2%	0.2%	587.8%
ECPG	10.3%	9.0%	1.3%	64.2%
WU	12.5%	8.2%	4.3%	114.5%
AGM	16.4%	16.4%	0.0%	102.3%
EZPW	11.8%	8.9%	2.9%	118.5%
UPST	-23.0%	-24.7%	1.7%	-541.5%
Industry median	21.2%	17.3%	1.5%	126.3%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 6, 26. This content is for informational purposes only and is not investment advice.