| Financial Services Industry | Financials Sector | Jeffrey A. Howard CEO | NASDAQ (NGS) Exchange | 04914Y201 CUSIP |
| US Country | 576 Employees | 1 Jun 2026 Last Dividend | - Last Split | 23 Apr 1999 IPO Date |
Atlanticus Holdings Corporation is a financial technology firm based in Atlanta, Georgia, founded in 1996. The company specializes in offering credit and related financial services and products across the United States. Its operations are divided into two main segments, namely Credit as a Service, and Auto Finance. Atlanticus aims to facilitate credit accessibility for a wide range of consumer needs, working across various channels and partnering with retailers, healthcare providers, and service providers to enhance the purchasing power of its customers. Additionally, it undertakes loan servicing and manages investments in consumer finance technology platforms, further solidifying its role in the fintech industry.
This segment is pivotal in Atlanticus Holdings Corporation’s offerings, involving the origination of consumer loan products like private label and general purpose credit cards. These are initiated by lenders through multiple channels such as retail and healthcare sectors, direct mail solicitation, digital marketing, and strategic partnerships. The service extends credit to consumers for the purchase of a variety of goods and services, including consumer electronics, furniture, elective medical procedures, and home improvements. Additionally, it also encompasses loan servicing, risk management, customer service outsourcing for third parties, and investment in consumer finance technology platforms.
This segment focuses on the purchase and servicing of loans secured by automobiles. It caters to a pre-qualified network of independent automotive dealers and automotive finance companies, particularly those in the buy-here, pay-here and used car sectors. Beyond direct auto financing, Atlanticus provides floor plan financing and installment lending products, tailoring its offerings to meet the nuanced needs of the auto finance market. Furthermore, the company engages in investing in and servicing portfolios of credit card receivables, showcasing its integrated approach to financial services.