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Atlanticus vs World Acceptance: revenue, profit, margins and growth compared

Atlanticus brought in $2B of revenue in fiscal 2025, World Acceptance $585.2M in fiscal 2026. Revenue changed by +50.1% at Atlanticus and +3.7% at World Acceptance on the year before, so Atlanticus grew faster. Atlanticus kept 6.2% of its revenue as net profit, World Acceptance 5.9%.

Side by side, latest fiscal year

ATLCWRLD
Fiscal year endedFY2025 (December 31, 2025)FY2026 (March 31, 2026)
Revenue$2B$585.2M
Revenue growth+50.1%+3.7%
Net income$122.2M$34.6M
Net margin6.2%5.9%
Free cash flown/a$255.5M
Free cash flow marginn/a43.7%
Earnings per share (diluted)$5.96$6.88
Cash$621.1M$6.1M
Debtn/a$587.2M
Price to earnings15.525.0
Market value$1.4B$802M
Dividend yieldn/an/a
Rank by revenue in sector#147 of 444 · Finance#230 of 444 · Finance

Over the years

Revenue
ATLC FY2018: $5.6MATLC FY2019: $455.2MATLC FY2020: $563.4MATLC FY2021: $748.1MATLC FY2022: $1BATLC FY2023: $1.2BATLC FY2024: $1.3BATLC FY2025: $2BWRLD FY2018: $544.5MWRLD FY2019: $590MWRLD FY2021: $528MWRLD FY2022: $585.2MWRLD FY2023: $616.5MWRLD FY2024: $572.8MWRLD FY2025: $564.2MWRLD FY2026: $585.2MFY18FY19FY20FY21FY22FY23FY24FY25FY26
ATLC $2BWRLD $585.2M
Net income
ATLC FY2018: $7.9MATLC FY2019: $26.4MATLC FY2020: $94.1MATLC FY2021: $177.9MATLC FY2022: $135.6MATLC FY2023: $102.8MATLC FY2024: $111.3MATLC FY2025: $122.2MWRLD FY2018: $37.2MWRLD FY2019: $28.2MWRLD FY2021: $88.3MWRLD FY2022: $53.9MWRLD FY2023: $21.2MWRLD FY2024: $77MWRLD FY2025: $89.2MWRLD FY2026: $34.6MFY18FY19FY20FY21FY22FY23FY24FY25FY26
ATLC $122.2MWRLD $34.6M
Net margin
ATLC FY2018: 141.4%ATLC FY2019: 5.8%ATLC FY2020: 16.7%ATLC FY2021: 23.8%ATLC FY2022: 13.0%ATLC FY2023: 8.9%ATLC FY2024: 8.5%ATLC FY2025: 6.2%WRLD FY2018: 6.8%WRLD FY2019: 4.8%WRLD FY2021: 16.7%WRLD FY2022: 9.2%WRLD FY2023: 3.4%WRLD FY2024: 13.5%WRLD FY2025: 15.8%WRLD FY2026: 5.9%FY18FY19FY20FY21FY22FY23FY24FY25FY26
ATLC 6.2%WRLD 5.9%
Revenue growth
ATLC FY2019: +8,092.9%ATLC FY2020: +23.8%ATLC FY2021: +32.8%ATLC FY2022: +40.0%ATLC FY2023: +10.4%ATLC FY2024: +13.5%ATLC FY2025: +50.1%WRLD FY2019: +8.4%WRLD FY2021: -10.5%WRLD FY2022: +10.8%WRLD FY2023: +5.4%WRLD FY2024: -7.1%WRLD FY2025: -1.5%WRLD FY2026: +3.7%FY19FY20FY21FY22FY23FY24FY25FY26
ATLC +50.1%WRLD +3.7%
Free cash flow
ATLC FY2018: $41.5MATLC FY2019: $99.7MATLC FY2020: $212MWRLD FY2018: $234.9MWRLD FY2019: $269.7MWRLD FY2021: $215.3MWRLD FY2022: $266.4MWRLD FY2023: $285.7MWRLD FY2024: $259.9MWRLD FY2025: $250.5MWRLD FY2026: $255.5MFY18FY19FY20FY21FY22FY23FY24FY25FY26
ATLC $212MWRLD $255.5M

Fiscal years as each company reports them; the two may end in different months.

Questions about Atlanticus and World Acceptance

Which is bigger by revenue, Atlanticus or World Acceptance?

Atlanticus is bigger by revenue: $2B in fiscal 2025, against $585.2M for World Acceptance in fiscal 2026.

Which keeps more of its revenue as profit, Atlanticus or World Acceptance?

Atlanticus had a net margin of 6.2% in fiscal 2025; World Acceptance had 5.9% in fiscal 2026.

Which grew revenue faster, Atlanticus or World Acceptance?

In their latest fiscal years revenue changed by +50.1% at Atlanticus and +3.7% at World Acceptance.

Where do these numbers come from?

From the annual reports each company files with the SEC (10-K, or 20-F and 40-F for foreign companies), read from their XBRL data. Margins and growth are simple arithmetic on those figures. Nothing here is a recommendation.

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