Financial Analysis
Filing-based analysis. Market pricing is not included. Fundamentals from SEC filings; economic data from FRED and the BLS. About our data
Filing evidence summary
Constructive evidenceCoverage 2/5 core metrics2 filing-based checks were evaluable.
Backward-looking filed evidence under visible rules - not a rating, forecast or investment advice. Missing data is never scored.
Evidence signals
- No current rule-based risk flags
2 filing-based checks were evaluable.
Why this surfaced
The full financial analysis shows each value, threshold, and sector limitation.
- Revenue expanded
Latest reported annual revenue changed +51.2% from the prior reported annual observation.
Why this surfaced
Direction threshold: above +2% constructive; below -2% caution; otherwise monitor. This is not labeled one-year growth when filing periods have a gap. Period end 2025-12-31.
- Free cash flow was positive
Latest reported free cash flow was $212M.
Why this surfaced
Free cash flow = operating cash flow minus capital expenditures; positive is supporting evidence, not a valuation conclusion. Period end 2020-12-31.
Core trend metrics
Hover a tile for its exact definition; the Statements tab carries per-cell filing citations.
Where to look next
Risk checks
Financial movement
- Cash→ flat
- Long-term debt→ flat
- Inventory→ flat
- Receivables→ flat
- Current assets→ flat
Source & freshness
- Source
- SEC EDGAR XBRL
- Fetched
- 2026-10-21
- Latest period end
- 2025-12-31
- Filings
- EDGAR ↗
Reported segment mix
figures as filed · share of the filed sum · change vs the prior period in the same filing- Credit And Other Investments$1.93Bshare n/a+52.0% yoy
- Auto Finance$39.7Mshare n/a-6.3% yoy
member sum exceeds the consolidated figure: this axis carries more than one breakdown, so shares are not computed.
- Merchant Fees$197Mshare n/a+36.6% yoy
- Other Revenue$112Mshare n/a+86.2% yoy
- Service Charges And Other Customer Related Fees Other Revenue$56.1Mshare n/a+81.3% yoy
- Interchange Revenues Other Revenue$32.4Mshare n/a+67.5% yoy
- Servicing Income Other Revenue$24Mshare n/a+137.0% yoy
member sum exceeds the consolidated figure: this axis carries more than one breakdown, so shares are not computed.
- Credit And Other Investments$734M98.6%+91.0% yoy
- Auto Finance$10.1M1.4%+4.5% yoy
Change is against the same quarter a year earlier, as reported in the same 10-Q.
Source: SEC DERA Financial Statement and Notes data sets. Dimensional XBRL facts on the business-segment, product/service and geographic axes; the engine keeps the accession of every figure. Descriptive and educational, not advice.
Peer percentiles
latest fiscal year ending 2025-12-31 · among 4,060 US-listed filers · 883 in Financials| Metric | Value | vs all filers | vs sector |
|---|---|---|---|
Revenue latest fiscal-year revenue as filed | $310M | 38thof 3,247 middle third | 46thof 528 middle third |
Revenue growth latest fiscal-year revenue vs the prior fiscal year | 51.2% | 90thof 3,083 top third | 91stof 505 top third |
Net margin net income ÷ revenue | 39.5% | 93rdof 3,212 top third | 73rdof 522 top third |
Return on equity net income ÷ stockholders' equity (positive equity only) | 20.1% | 86thof 3,520 top third | 88thof 752 top third |
Stock comp ÷ revenue stock-based compensation ÷ revenue · lower is ranked higher | 1.4% | 59thof 2,852 middle third | 71stof 413 top third |
Cash conversion operating cash flow ÷ net income (net income > 0) | 5.2× | 91stof 2,243 top third | 95thof 687 top third |
Cash-flow accrual ratio (net income − operating cash flow) ÷ average total assets · lower is ranked higher | -9.5% | 71stof 3,845 top third | 89thof 837 top third |
Balance-sheet accrual ratio change in net operating assets ÷ average net operating assets · lower is ranked higher | -159.9% | 96thof 3,301 top third | 98thof 770 top third |
Each filer's latest fiscal year as stored by the nightly crawl; fiscal year ends differ across the universe. A metric ranks only filers for which it is computable from filed facts. Ties split; a rank reads "better than N% of filers" in the metric's own direction. Descriptive and educational, not a rating.
Earnings quality
latest fiscal year ending 2025-12-31 · accruals and cash conversion as filedPer fiscal year from filed facts: cash conversion = operating cash flow / net income (net income > 0); cash-flow accrual ratio = (net income - operating cash flow) / average total assets; balance-sheet accrual ratio = change in net operating assets / average net operating assets, NOA = (assets - cash) - (liabilities - debt). Descriptive; a missing input yields a missing ratio. High accrual ratios and cash conversion well below one are the measures the accruals literature associates with less persistent earnings; they are screens to read the cash-flow statement with, not conclusions. The per-year series is part of Pro risk analysis.
Point-in-time ledger
first-reported vs latest filing · periods since 2020-01-01 · 4 changed periods| Line item | Period | First reported | Latest filing | Change | Filings |
|---|---|---|---|---|---|
| Revenue RevenueFromContractWithCustomerIncludingAssessedTax | fiscal year 2023-12-31 | $37.3M 10-K 2024-03-04 | $161M 10-K 2025-03-13 | +330.7% | first · latest |
| Revenue RevenueFromContractWithCustomerIncludingAssessedTax | quarter 2024-06-30 | $13.8M 10-Q 2024-08-08 | $56.6M 10-Q 2025-08-07 | +310.4% | first · latest |
| Revenue RevenueFromContractWithCustomerIncludingAssessedTax | quarter 2024-09-30 | $17M 10-Q 2024-11-07 | $62.9M 10-Q 2025-11-10 | +270.2% | first · latest |
| Revenue RevenueFromContractWithCustomerIncludingAssessedTax | quarter 2024-03-31 | $11.9M 10-Q 2024-05-10 | $36.2M 10-Q 2025-05-08 | +204.0% | first · latest |
First filing reporting each period vs the latest filing carrying it (10-K and 10-Q only, periods since 2020, the extractor's winning tag per concept); a change under 0.5% is treated as rounding; share counts re-presented by an integer split ratio are listed as split adjustments, not restatements. A change can be a restatement, a reclassification or a re-tagging in a later comparative column; the two filings are linked so the reader can see which. Descriptive, not a verdict.
Notes by disclosure type
Not available for ATLC yet: no footnote text blocks on file for this filer in the ingested DERA files.
Fundamentals from SEC EDGAR. Scores, the DCF, and every model shown are educational analysis, not investment advice or price predictions.