A Business at a Glance
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Atlanticus Holdings Corp
ATLC
$1.9B
Mkt Cap
$99.48
+4.04%
Atlanticus Holdings Corp (ATLC) has a current P/E ratio of 20.9, compared to its historical median P/E of 5.8. The stock is currently considered Expensive based on its historical valuation range.
Atlanticus Holdings Corp (ATLC) has a 5-year average return on invested capital (ROIC) of 9.9%. This is below average and may indicate limited pricing power.
Atlanticus Holdings Corp (ATLC) has a market capitalization of $1.5B. It is classified as a small-cap stock.
Yes, Atlanticus Holdings Corp (ATLC) pays a dividend with a trailing twelve-month yield of 0.61%. The company also returns capital through share buybacks, with a buyback yield of 1.48%.
Based on historical P/E analysis, Atlanticus Holdings Corp (ATLC) appears expensive. The current P/E of 20.9 is 257% above its historical median of 5.8. The estimated fair value CAGR (P/E method) is 19.4%.
Atlanticus Holdings Corp (ATLC) operates in the Personal Credit Institutions industry, within the Financials sector.
Atlanticus Holdings Corp (ATLC) reported annual revenue of $2.0 billion in its most recent fiscal year, based on SEC EDGAR filings.
This Report contains information that we obtained from industry and general publications and research, surveys and studies conducted by third parties. This information involves many assumptions and limitations, and you are cautioned not to give undue weight to any of this data. We have obtained this information from sources that we believe are reliable. However, we have not independently verified market or industry data from third party sources. A general discussion of our business follows. For additional information about our business, please visit our website at www.Atlanticus.com. Information contained on or available through our website is not incorporated by reference in this Report. Atlanticus is a financial technology company powering more inclusive financial solutions for Everyday Americans. We leverage data, analytics, and innovative technology to unlock access to financial solutions for the millions of Americans who would otherwise be underserved.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 2.3B | 2.0B | 1.3B | 1.2B | 1.0B | 748M |
| Net Income | 126M | 112M | 87M | 78M | 111M | 156M |
| EPS | $8.35 | $5.96 | $4.77 | $4.24 | $5.83 | $7.56 |
| Free Cash Flow | 0 | 638M | 469M | 459M | 348M | 212M |
| ROIC | 0.0% | 5.1% | 7.9% | 8.7% | 7.7% | 20.2% |
| Gross Margin | - | 27.2% | 26.8% | 24.6% | 26.4% | 41.3% |
| Debt/Equity | 9.82 | 14.04 | 5.60 | 6.57 | 10.06 | 6.40 |
| Dividends/Share | $0.60 | $0.66 | $1.41 | $1.36 | $1.31 | $1.06 |
| Operating Income | 0 | 160M | 139M | 129M | 149M | 220M |
| Operating Margin | 0.0% | 8.1% | 10.6% | 11.1% | 14.3% | 29.4% |
| ROE | 19.4% | 20.3% | 19.7% | 21.5% | 36.0% | 85.2% |
| Shares Outstanding | 15M | 19M | 18M | 18M | 19M | 21M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 76M | 60M | 76M | 93M | 167M | 455M | 563M | 748M | 1.0B | 1.2B | 1.3B | 2.0B | 2.3B |
| Gross Margin | 35.8% | 38.1% | 59.7% | 66.3% | 77.7% | 25.6% | 36.0% | 41.3% | 26.4% | 24.6% | 26.8% | 27.2% | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 20M | 20M | 24M | 23M | 23M | 26M | 29M | 34M | 43M | 44M | 50M | 70M | 83M |
| EBIT | 2.1M | 553K | 320K | -47M | 40M | 118M | 114M | 220M | 149M | 129M | 139M | 160M | 0 |
| Op. Margin | 2.8% | 0.9% | 0.4% | -50.6% | 23.9% | 25.9% | 20.3% | 29.4% | 14.3% | 11.1% | 10.6% | 8.1% | 0.0% |
| Net Income | 7.2M | 1.7M | -6.3M | -41M | 7.9M | 25M | 77M | 156M | 111M | 78M | 87M | 112M | 126M |
| Net Margin | 9.5% | 2.9% | -8.3% | -43.6% | 4.7% | 5.6% | 13.7% | 20.8% | 10.6% | 6.7% | 6.7% | 5.7% | 5.5% |
| Non-Recurring | 0 | 0 | 600K | 0 | 0 | 0 | 0 | 599K | 0 | 0 | 0 | 0 | 0 |
| Returns on Capital | |||||||||||||
| ROIC | 8.3% | 1.1% | -3.0% | -15.2% | 1.7% | 3.4% | 10.0% | 20.2% | 7.7% | 8.7% | 7.9% | 5.1% | 0.0% |
| ROE | 166.8% | 18.6% | -75.7% | 269.7% | -27.2% | -242.2% | 197.1% | 85.2% | 36.0% | 21.5% | 19.7% | 20.3% | 19.4% |
| ROA | 2.3% | 0.6% | -2.0% | -10.3% | 1.6% | 3.3% | 7.2% | 9.9% | 5.1% | 3.0% | 2.9% | 2.1% | 1.7% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | -21M | 864K | 39M | -26M | 43M | 100M | 213M | 212M | 348M | 459M | 469M | 638M | 793M |
| Free Cash Flow | -25M | -20K | 39M | -27M | 41M | 100M | 212M | 212M | 348M | 459M | 469M | 638M | 0 |
| Owner Earnings | -27M | -1.4M | 37M | -29M | 41M | 91M | 203M | 208M | 339M | 449M | 463M | 630M | 772M |
| CapEx | 4.1M | 884K | 349K | 395K | 1.4M | 250K | 749K | 0 | 0 | 0 | 0 | 0 | 0 |
| Maint. CapEx | 4.9M | 2.0M | 2.2M | 1.0M | 987K | 7.7M | 8.0M | 1.5M | 4.6M | 6.9M | 2.7M | 3.6M | 16M |
| Growth CapEx | 0 | 0 | 0 | 0 | 396K | 0 | 0 | N/A | N/A | N/A | N/A | N/A | 0 |
| D&A | 4.9M | 2.0M | 2.2M | 1.0M | 987K | 7.7M | 8.0M | 1.5M | 4.6M | 6.9M | 2.7M | 3.6M | 16M |
| CapEx/OCF | N/A | 102.3% | 0.9% | N/A | 3.2% | 0.3% | N/A | N/A | N/A | N/A | N/A | N/A | 0.0% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 14M | 22M | 25M | 25M | 26M | 12M | 9.1M |
| Dividend Yield | N/A | N/A | N/A | N/A | N/A | N/A | 5.5% | 2.4% | 3.2% | 4.2% | 4.0% | N/A | 0.6% |
| Share Buybacks | 257K | 259K | 949K | 389K | 723K | 2.5M | 3.4M | 25M | 89M | 18M | 53M | 70M | 22M |
| Buyback Yield | 0.7% | 0.6% | 2.4% | 1.2% | 1.6% | 2.0% | 0.7% | 1.7% | 18.7% | 2.5% | 5.0% | 0.0% | 1.5% |
| Stock-Based Comp | 971K | 247K | 82K | 1.5M | 1.3M | 1.7M | 1.4M | 3.2M | 4.2M | 3.8M | 3.9M | 4.3M | 4.8M |
| Debt Repayment | 134M | 168M | 178M | 240M | 470M | 592M | 460M | 586M | 310M | 754M | 566M | 2.7B | 2.7B |
| Balance Sheet | |||||||||||||
| Net Debt | 76M | 168M | 250M | 443M | 880M | 1.4B | 1.2B | 1.3B | 2.9B | 2.3B | 2.4B | 7.9B | 5.7B |
| Cash & Equiv. | 40M | 51M | 76M | 42M | 142M | 176M | 259M | 507M | 433M | 339M | 375M | 621M | 651M |
| Long-Term Debt | 116M | 165M | 242M | 325M | 632M | 873M | 588M | 586M | 1.7B | 754M | 566M | 2.7B | 737M |
| Debt/Equity | 15.53 | 19.96 | 56.26 | -13.48 | -46.89 | 1759.41 | 18.70 | 6.40 | 10.06 | 6.57 | 5.60 | 14.04 | 9.82 |
| Interest Coverage | 0.1 | 0.0 | 0.0 | -1.7 | 1.1 | 2.3 | 2.2 | 4.1 | 1.8 | 1.2 | 0.9 | 0.5 | 0.5 |
| Equity | 7.4M | 11M | 5.8M | -36M | -22M | 906K | 77M | 288M | 326M | 395M | 493M | 609M | 648M |
| Total Assets | 268M | 281M | 363M | 426M | 583M | 936M | 1.2B | 1.9B | 2.4B | 2.7B | 3.3B | 7.6B | 7.5B |
| Total Liabilities | 261M | 270M | 357M | 462M | 605M | 847M | 991M | 1.5B | 1.9B | 2.2B | 2.7B | 7.0B | 6.8B |
| Intangibles | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 30M | 28M |
| Retained Earnings | -201M | -200M | -206M | -247M | -239M | -212M | -118M | 60M | 204M | 307M | 395M | 506M | 548M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 0.51 | 0.12 | -0.46 | -2.93 | 0.56 | 1.66 | 3.95 | 7.56 | 5.83 | 4.24 | 4.77 | 5.96 | 8.35 |
| Owner EPS | -1.89 | -0.10 | 2.67 | -2.08 | 2.89 | 5.94 | 10.43 | 10.09 | 17.88 | 24.50 | 25.27 | 33.59 | 51.15 |
| Book Value | 0.53 | 0.77 | 0.42 | -2.59 | -1.55 | 0.06 | 3.96 | 14.00 | 17.22 | 21.55 | 26.91 | 32.45 | 42.98 |
| Cash Flow/Share | -1.47 | 0.06 | 2.83 | -1.90 | 3.05 | 6.56 | 10.91 | 10.32 | 18.34 | 25.08 | 25.63 | 34.01 | 9.41 |
| Dividends/Share | N/A | N/A | N/A | N/A | N/A | N/A | 0.70 | 1.06 | 1.31 | 1.36 | 1.41 | 0.66 | 0.60 |
| Shares Out. | 14.1M | 14.3M | 13.8M | 13.9M | 14.0M | 15.2M | 19.5M | 20.6M | 19.0M | 18.3M | 18.3M | 18.8M | 15.1M |
| Valuation | |||||||||||||
| P/E Ratio | 4.8 | 25.0 | N/A | N/A | 5.6 | 5.1 | 5.8 | 9.4 | 4.3 | 9.1 | 11.9 | N/A | 11.9 |
| P/FCF | N/A | N/A | 1.0 | N/A | 1.1 | 1.3 | 2.1 | 6.9 | 1.4 | 1.5 | 2.2 | N/A | N/A |
| EV/EBIT | 54.5 | 240.2 | 563.8 | N/A | 10.9 | 7.4 | 8.9 | 10.9 | 10.3 | 12.0 | 11.8 | N/A | N/A |
| Price/Book | 4.7 | 3.9 | 6.8 | N/A | N/A | 142.1 | 5.8 | 5.1 | 1.5 | 1.8 | 2.1 | N/A | 2.3 |
| Price/Sales | 0.5 | 0.7 | 0.5 | N/A | 6.3 | 5.8 | 0.4 | 1.2 | 0.7 | 0.5 | 0.5 | N/A | 0.7 |
| FCF Yield | -71.4% | -0.0% | 98.5% | -82.1% | 93.9% | 77.5% | 47.0% | 14.6% | 73.2% | 64.8% | 45.0% | N/A | N/A |
| Market Cap | 35M | 43M | 39M | 33M | 44M | 129M | 451M | 1.5B | 475M | 709M | 1.0B | 0 | 1.5B |
| Avg. Price | 2.50 | 3.09 | 3.03 | 2.51 | 2.48 | 5.28 | 12.70 | 44.18 | 40.81 | 32.51 | 35.00 | 0.00 | 99.48 |
| Year-End Price | 2.47 | 3.00 | 2.85 | 2.35 | 3.15 | 8.45 | 23.10 | 70.73 | 25.06 | 38.69 | 57.00 | 0.00 | 99.48 |
Atlanticus Holdings Corp passes 4 of 9 quality checks, suggesting mixed fundamentals.
Atlanticus Holdings Corp trades at 20.9x trailing earnings, compared to its 15-year median P/E of 5.8x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 3.9x vs a median of 1.5x. The company's 5-year average ROIC is 9.9% with a gross margin of 29.3%. Total shareholder yield (dividends + buybacks) is 2.1%. At current prices, the estimated annualized return to fair value is +33.1%.
Atlanticus Holdings Corp (ATLC) has a net profit margin of 5.7%. This is a modest margin.
Atlanticus Holdings Corp (ATLC) generated $638 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Atlanticus Holdings Corp (ATLC) has a debt-to-equity ratio of 14.04. This indicates higher leverage, which may increase financial risk.
Atlanticus Holdings Corp (ATLC) reported earnings per share (EPS) of $5.96 in its most recent fiscal year.
Atlanticus Holdings Corp (ATLC) has a return on equity (ROE) of 20.3%. This indicates the company generates strong returns for shareholders.
Atlanticus Holdings Corp (ATLC) has a 5-year average gross margin of 29.3%. This lower margin is typical of capital-intensive or commodity businesses.
The Ledger Terminal provides 16 years of financial data for Atlanticus Holdings Corp (ATLC), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Atlanticus Holdings Corp (ATLC) has a book value per share of $32.45, based on its most recent annual SEC filing.