A Business at a Glance
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Atlanticus Holdings Corp operates in the Personal Credit Institutions industry, Financials sector. Full business description from SEC filing not yet available.
| Metric | TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|
| Revenue | 1.6B | 1.3B | 1.2B | 1.0B | 748M | 563M |
| Net Income | 118M | 87M | 78M | 111M | 156M | 77M |
| EPS | $5.63 | $4.77 | $4.24 | $5.83 | $7.56 | $3.95 |
| Free Cash Flow | 0 | 469M | 459M | 348M | 212M | 213M |
| ROIC | 4.2% | 8.4% | 7.1% | 9.2% | 12.6% | 12.3% |
| Gross Margin | - | 91.0% | 91.3% | 90.9% | 89.9% | 88.8% |
| Debt/Equity | 0.00 | 4.46 | 4.72 | 5.07 | 4.44 | 11.42 |
| Dividends/Share | $1.07 | $1.41 | $1.36 | $1.31 | $1.06 | $0.70 |
| Operating Income | 325K | 276M | 214M | 207M | 251M | 149M |
| Operating Margin | 0.0% | 21.0% | 18.5% | 19.8% | 33.6% | 26.5% |
| ROE | 20.1% | 19.7% | 19.7% | 33.9% | 54.0% | 99.7% |
| Shares Outstanding | 15M | 18M | 18M | 19M | 21M | 20M |
Atlanticus Holdings Corp passes 4 of 9 quality checks, suggesting mixed fundamentals.
Atlanticus Holdings Corp trades at 4.7x trailing earnings, compared to its 15-year median P/E of 3.4x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 0.9x vs a median of 0.8x. The company's 5-year average ROIC is 9.9% with a gross margin of 90.4%. Total shareholder yield (dividends + buybacks) is 20.5%. At current prices, the estimated annualized return to fair value is +22.4%.
Atlanticus Holdings Corp (ATLCP) has a current P/E ratio of 4.7, compared to its historical median P/E of 3.4. The stock is currently considered Expensive based on its historical valuation range.
Atlanticus Holdings Corp (ATLCP) 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 (ATLCP) has a market capitalization of $336M. It is classified as a small-cap stock.
Yes, Atlanticus Holdings Corp (ATLCP) pays a dividend with a trailing twelve-month yield of 4.80%. The company also returns capital through share buybacks, with a buyback yield of 15.66%.
Based on historical P/E analysis, Atlanticus Holdings Corp (ATLCP) appears expensive. The current P/E of 4.7 is 36% above its historical median of 3.4. The estimated fair value CAGR (P/E method) is -7.9%.
Atlanticus Holdings Corp (ATLCP) operates in the Personal Credit Institutions industry, within the Financials sector.
Atlanticus Holdings Corp (ATLCP) reported annual revenue of $1.3 billion in its most recent fiscal year, based on SEC EDGAR filings.
Atlanticus Holdings Corp (ATLCP) has a net profit margin of 6.7%. This is a modest margin.
Atlanticus Holdings Corp (ATLCP) generated $469 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Atlanticus Holdings Corp (ATLCP) has a debt-to-equity ratio of 4.46. This indicates higher leverage, which may increase financial risk.
Atlanticus Holdings Corp (ATLCP) reported earnings per share (EPS) of $4.77 in its most recent fiscal year.
Atlanticus Holdings Corp (ATLCP) has a return on equity (ROE) of 19.7%. This indicates the company generates strong returns for shareholders.
Atlanticus Holdings Corp (ATLCP) has a 5-year average gross margin of 90.4%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 15 years of financial data for Atlanticus Holdings Corp (ATLCP), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Atlanticus Holdings Corp (ATLCP) has a book value per share of $26.91, based on its most recent annual SEC filing.