Atlanticus Holdings (ATLCL) Operating Margin (2017 - 2026)

Atlanticus Holdings (ATLCL) posted quarterly Operating Margin of 7.34% for Q1 2026, down 3.0% year-over-year from 7.57% in Q1 2025, and down 91.69% on a QoQ basis from 88.33% in Q4 2025.

Atlanticus Holdings (ATLCL) Operating Margin (2017 - 2026) Analysis & Trends

Atlanticus Holdings (ATLCL) has reported Operating Margin for 10 consecutive years, with 7.34% the latest figure, recorded in Q1 2026.

  • In Q1 2026, Operating Margin fell 3.0% year-over-year to 7.34%; the TTM figure through Mar 2026 stood at 72.98% (up 1339618.0% YoY), while the FY2025 annual figure was 1.72%, down 559.0% from the prior year.
  • Operating Margin came in at 7.34% for Q1 2026 at Atlanticus Holdings, down from 88.33% in the prior quarter.
  • The five-year high for Operating Margin was 120.38% in Q4 2024, with the low at 4.65% in Q3 2025.
  • Average Operating Margin over 5 years is 58.45%, with a median of 70.5% recorded in 2025.
  • Across the five-year window, Operating Margin soared 8298 bps in 2022 and plunged 7870 bps in 2025, its largest moves.
  • Year by year, Operating Margin stood at 119.57% in 2022, then slipped by 25 bps to 90.18% in 2023, then jumped by 33 bps to 120.38% in 2024, then retreated by 27 bps to 88.33% in 2025, then sank by 92 bps to 7.34% in 2026.
  • According to Business Quant data, Operating Margin over the past three periods registered 7.34%, 88.33%, and 4.65% for Q1 2026, Q4 2025, and Q3 2025 respectively.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Operating Margin (Qtr)
1 Visa 587.74 Bn 575.34 Bn - 64.42%
2 Mastercard 465.55 Bn 455.34 Bn - 58.43%
3 American Express 238.39 Bn 184.35 Bn 17.43 Bn 18.77%
4 PayPal Holdings 40.24 Bn 30.89 Bn 7.84 Bn 17.81%
5 Affirm Holdings 28.27 Bn 26.55 Bn 261.64 Mn 26.44%
6 SoFi Technologies 23.54 Bn 20.13 Bn 929.25 Mn 3.39%
7 Ally Financial 14.34 Bn 13.89 Bn 1.98 Bn 35.49%
8 Credit Acceptance 7.51 Bn 7.49 Bn 562.70 Mn 24.11%
9 FinVolution 6.22 Bn 4.97 Bn 311.24 Mn 15.96%
10 Atlanticus Holdings - - 144.79 Mn 7.34%

Historic Data

Download Data
DateValue
Mar 31, 2026 7.34%
Dec 31, 2025 88.33%
Sep 30, 2025 -4.65%
Jun 30, 2025 70.50%
Mar 31, 2025 7.37%
Dec 31, 2024 120.38%
Sep 30, 2024 74.05%
Jun 30, 2024 1.00%
Mar 31, 2024 69.89%
Dec 31, 2023 90.18%
Sep 30, 2023 6.68%
Jun 30, 2023 72.39%
Mar 31, 2023 70.68%
Dec 31, 2022 119.57%
Sep 30, 2022 71.98%
Jun 30, 2022 68.22%
Mar 31, 2022 59.69%
Dec 31, 2021 36.59%
Sep 30, 2021 44.35%
Jun 30, 2021 64.70%