Atlanticus Holdings Corporation: Business Overview, Financials & Competitive Analysis
Atlanticus Holdings Corporation scores 7/10 on the AskCyborg Cyborg Score (Strong). Rapidly growing fintech serving underserved credit market with proprietary analytics and emerging scale through strategic M&A. Strong revenue growth of 36.1% YoY with Q3 2025 sales exceeding analyst expectations. Recently completed transformational Mercury Financial acquisition. Trading below fair value estimates with solid EBITDA margins of 24.24%.
What is Atlanticus Holdings Corporation's industry? Atlanticus Holdings Corporation (atlanticus.com) operates in Financial Technology / Consumer Finance. AskCyborg classifies Atlanticus Holdings Corporation under Financial Technology / Consumer Finance in its company registry.
Atlanticus Holdings Corporation is a financial technology company providing products and services to lenders in the United States. The company uses data analytics to serve Americans with less-than-perfect credit score...
Cyborg Score thesis
Rapidly growing fintech serving underserved credit market with proprietary analytics and emerging scale through strategic...
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Get Current Report FreeAtlanticus Holdings Corporation Overview
Pro stress-test →Atlanticus Holdings Corporation is a financial technology company providing products and services to lenders in the United States. The company uses data analytics to serve Americans with less-than-perfect credit scores, helping lenders offer credit products to consumers often overlooked by traditional financing providers.
Strategic Profile
Pro stress-test →The company operates in two segments: Credit as a Service (CaaS) and Auto Finance. Atlanticus has grown its revenue at a 40.8% compounded annual growth rate over the last five years, with growth that beats the average financials company. The company recently completed a transformational acquisition of Mercury Financial, which substantially increases scale, enhances technology, and adds origination capabilities.
Competitive Landscape
Pro stress-test →Atlanticus operates through branded products including Curae (healthcare), Fortiva (consumer electronics, furniture, medical, home improvement), and Aspire/Imagine (general-purpose cards). Primary competitors include traditional credit card issuers, Buy-Here-Pay-Here automotive finance platforms, and emerging fintech lenders serving subprime markets.
Industry Context
Atlanticus Holdings Corporation operates in Financial Technology / Consumer Finance.
Key facts
Founded: 1996 · Headquarters: Atlanta, GA · Revenue: $1.6B+