# Atlanticus Holdings Corp. (ATLC)
card-retail · subprime · live · latest quarter 2026-06-30 · reporting basis subprime

**Score 4** (weighted flags). Private-label credit card and retail point-of-sale finance to near-prime and subprime borrowers.

## Latest quarter, from the company's own XBRL

| Measure | Value |
|---|---|
| Book total (subprime) | $99.6M |
| Allowance | $3.7M (3.71% of gross) |
| Provision | – |
| Net charge-offs | – (– annualized) |
| Provision / NCO | – |
| Reserve, quarters of losses | – |
| 30+ / 60+ / 90+ | – / – / 1.81% |
| Nonaccrual | – |
| Yield | 2141.79% |
| Equity / assets | 9.31% |
| Book growth YoY | -6.6% |

Delinquency note: A card book, not auto. Revolving credit behaves differently from a fixed-term note: balances revolve, so growth and charge-off dynamics are not directly comparable to installment lenders.

## Flags

- **Equity share of assets falling sharply year over year** (`equity_eroding`)
- **Allowance coverage down year over year** (`coverage_falling`)
- **Equity under a tenth of assets** (`equity_thin`)

## Reads on the desk

- HIGH: Equity fell to 9.3% of assets from 15.4% a year earlier, a 6.0 point erosion of the cushion under the book. Threshold: 4 points.

## In the news

- 2026-09-05 [Atlanticus Holdings Corp (ATLC) Stock Down 3.6% but Still Overva - gurufocus.com](https://news.google.com/rss/articles/CBMiugFBVV95cUxOWUxFV05LcWhySlBxal9TYXQtZ2JKWXBMR2owOGJJOFo5UGR6UDhCUmd0ZFhUUEU2N2RHODhXWVYxbnRPcFAtbUE5dVktS3lPZlUyTjBiN1h1eldiQ1pWM2VXWVZFSGN5TWRZVDAtWFhKMlRkXzREcFF0Mk1FRERpb3VTWkZGV1Nmd19PWjFmRnZfZk9IbmlNaWFKYkJMVEtkNW9tMmVRdk9pY3IyRDZrdkdmMWdZU3RrcVE?oc=5) · gurufocus.com
- 2026-08-05 [Earnings To Watch: Atlanticus Holdings Corp (ATLC) Q2 2026 -- GF Value Sees 325% Upside - Yahoo Finance](https://news.google.com/rss/articles/CBMipwFBVV95cUxPaVBSYjJXaUgxTTFONmMzbTZhSFdSRThhS09tdnpsM3ZUUzRVTWxudXhQRVlrcHBzbFB4ZFhyTzJzRmNDM09jbkExWDRreS1yNXlhdVFFUDZTdl9HVVFmSEdSSVRuZXBvdHlnblN1bEhUdGZrTk13THMxREVLY3NiMW83dlFVU0xVZURnbE8tN2tJN3hjQVU3ZU4zR0FiV1BIUDBuWEdRUQ?oc=5) · Yahoo Finance
- 2026-09-01 [Two Atlanticus executives will participate in a New York finance event Sept. 10 - stocktitan.net](https://news.google.com/rss/articles/CBMitgFBVV95cUxQSkVoRks2RFNDLUdGMURTMXBnMUs1YWhUdmVVSDlTSUJvR1lNSTNud0phQmRxWWNTOHk1WDJaRGpXVkZweDlBRXZyQjJYRXVfUEpVZENWbGU2cmsycW95REtObENnWEVCbGthdTFPZGNQQ2JIWlU3ZkJRVkROZnhhV0pJVExrR1lEcEl4V0Z1WWlZRUdrcEJLbG5uWU5WOWJOek1wSWlBQWY4WFM2SENrci1QMlA5dw?oc=5) · stocktitan.net
- 2026-05-27 [ATLC - Atlanticus Holdings Corp Stock Price and Quote - Finviz](https://news.google.com/rss/articles/CBMiRkFVX3lxTE5TbXYwRDJFM3Faemw1b01EaWhEanV5WEFJLWRjcHlNZnlUbVA4SUZwS2xsbk1ndzhJaHZlak4xaGVzNnJwcEE?oc=5) · Finviz
- 2026-07-03 [Atlanticus CFO Unloads $1 Million in Shares. Should You Sell ATLC Too? - The Motley Fool](https://news.google.com/rss/articles/CBMivAFBVV95cUxQWGItM0hIQUpXX29OQ3drMkRkVkZWcWN4ekF2QTFvWVhjWXlicm1jOXJia2Zid3NOQ1JXV3RPNllMU2M2eFlFdmZtLUExRURxR3g5SUtZUzJSUkNZV1BHdkZfbnNORi1mN2lXWVdPTTh6YzV1cmluWHNFdHhseU90NzlpWE5hTGxkWGNkRmlOWW9KUlpuZ3NjMkIyZDVGOUg0d2psN2JVNnNvYUo4ZTZHLTRVVjRCZHE5aGZBWQ?oc=5) · The Motley Fool
- 2026-09-02 [Atlanticus Holdings Corp (ATLC) Shares Surge 5.0% -- What GF Sco - gurufocus.com](https://news.google.com/rss/articles/CBMivAFBVV95cUxNaElqaGY1dzY3YzRjU1V4UnBiMWR6OEdDNS0xU2gyMzdSMWh6QzNCZEVJdXpkRUdCRjNTZFd6OWlHNlRlUmFSNGYxdzJOeEJLWXk4WWFqMFc3ZURmNHhUdTI0VENzRkhROHk4NTlrd3N6ckpXekNrY1ZWZjBCREplalk0cnBOX182YTI5X3BrQ0h2WE5BNUp2RF9wc2stSDR0Rk5YT0NHZUpDSzFRTzZBS08zR1RGR2lHMy10dw?oc=5) · gurufocus.com
- 2026-08-06 [Atlanticus Holdings Corporation (ATLC) Q2 Earnings Meet Estimates - Yahoo Finance](https://news.google.com/rss/articles/CBMipwFBVV95cUxOUXM5eFk1VHFKcTFJOC03Vlp3blppNWEwVnFZcVRCZXlab2ZOeVo0Yl9wdzdnbUVvaEhMRGhqUTJvbmpYNXp1UzJhSzByc1h6Mlg2ak1KelREeWtwNWlUSEprSzRybGhrcVZPc3lZa1VBdFZ0QW94LXFnNlVMRmJnQm9XNHRGaWZXZ1hqQ2lLQ0E1Rnlja1kzMllsdV9KRGhxc2FibGdOYw?oc=5) · Yahoo Finance
- 2026-07-26 [Atlanticus Holdings Corp (ATLC) Shareholder Structure: Major Shareholders & Institutional Holdings - TradingKey](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE9LRlhfbEJDVjl2cmxaZm1yTkphLVk1dEZ5S3FTenVvYnRPUlNIX21Hd3ZiQ0pVQy11V1MwNTU3SGwyRGxRVU9UZ1FXU21ZRGNJdmVXb1ZDOVNmSVVvWndRbFVkMlVleFU?oc=5) · TradingKey

## How to verify

- Page: https://getbookiq.com/intel/#co=ATLC
- Data: https://getbookiq.com/intel/data/pubco.json (companies[].hist, columns q, receivables_gross, receivables_net, receivables_fv, book_total, allowance, provision, writeoffs, recoveries, nco, revenue, interest_income, nonaccrual, assets, equity, debt, alw_ratio, nco_rate, yield, prov_nco, nonacc_ratio, equity_ratio, leverage, reserve_qtrs, growth_yoy, alw_chg_yoy, nco_chg_yoy, nonacc_chg_yoy, yield_chg_yoy, eq_chg_yoy, dq30, dq60, dq90, dq_total, dq30_r, dq60_r, dq90_r, dq_total_r, dq90_chg_yoy, dqtot_chg_yoy, score)
- Definitions: https://getbookiq.com/dictionary/#auto-prov_nco
- Source: SEC XBRL company facts. Blank means the filer does not tag that concept, never zero. Peer comparison is within a business model or tier only.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide