ATLC Atlanticus Holdings Corp

  1. Stocks
  2. Financial Services
  3. NASDAQ: ATLC

Price (delayed)

$25.56

Market cap

$369.33M

P/E Ratio

3.39

Dividend/share

N/A

EPS

$7.55

Enterprise value

$1.75B

Founded in 1996, Atlanticus' business utilizes proprietary analytics and a flexible technology platform to enable financial institutions to provide various credit and related financial services and products to the financially ...

Highlights
The price to earnings (P/E) is 23% lower than the 5-year quarterly average of 4.4 and 8% lower than the last 4 quarters average of 3.7
Atlanticus Holdings's equity has increased by 13% YoY and by 6% QoQ
ATLC's EPS is down by 27% year-on-year and by 18% since the previous quarter
The debt has increased by 27% year-on-year and by 6% since the previous quarter
Sector: Financial Services
Industry: Credit Services
Website: http://www.atlanticus.com
Peers: CPSS PFSI FMCC SLM

Key stats

What are the main financial stats of ATLC
Market
Shares outstanding
14.45M
Market cap
$369.33M
Enterprise value
$1.75B
Valuations
Price to earnings (P/E)
3.39
Price to book (P/B)
1.13
Price to sales (P/S)
0.95
EV/EBIT
11.67
EV/EBITDA
11.31
EV/Sales
4.54
Earnings
Revenue
$386.74M
EBIT
$150.26M
EBITDA
$155.11M
Free cash flow
$341.28M
Per share
EPS
$7.55
Free cash flow per share
$23.63
Book value per share
$22.6
Revenue per share
$26.77
TBVPS
$165.3
Balance sheet
Total assets
$2.39B
Total liabilities
$1.92B
Debt
$1.82B
Equity
$326.41M
Working capital
N/A
Liquidity
Debt to equity
5.57
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
8.93
Margins
EBITDA margin
40.1%
Gross margin
100%
Net margin
35.1%
Operating margin
38.6%
Efficiency
Return on assets
5.1%
Return on equity
36.9%
Return on invested capital
4.4%
Return on capital employed
N/A
Return on sales
38.9%
Dividend
Dividend yield
N/A
DPS
N/A
Payout ratio
N/A

ATLC stock price

How has the Atlanticus Holdings stock price performed over time
Intraday
2.69%
1 week
16.61%
1 month
-19.62%
1 year
-53.61%
YTD
-2.44%
QTD
-2.44%

Financial performance

How have Atlanticus Holdings's revenue and profit performed over time
Revenue
$386.74M
Gross profit
$386.74M
Operating income
$149.27M
Net income
$135.6M
Gross margin
100%
Net margin
35.1%
ATLC's operating income is down by 40% YoY and by 18% QoQ
The operating margin has contracted by 32% YoY and by 11% from the previous quarter
ATLC's net income is down by 24% year-on-year and by 16% since the previous quarter
The net margin has declined by 13% year-on-year and by 9% since the previous quarter

Growth

What is Atlanticus Holdings's growth rate over time

Valuation

What is Atlanticus Holdings stock price valuation
P/E
3.39
P/B
1.13
P/S
0.95
EV/EBIT
11.67
EV/EBITDA
11.31
EV/Sales
4.54
ATLC's EPS is down by 27% year-on-year and by 18% since the previous quarter
The price to earnings (P/E) is 23% lower than the 5-year quarterly average of 4.4 and 8% lower than the last 4 quarters average of 3.7
ATLC's price to book (P/B) is 37% lower than its last 4 quarters average of 1.8
Atlanticus Holdings's equity has increased by 13% YoY and by 6% QoQ
The P/S is 21% lower than the last 4 quarters average of 1.2 and 14% lower than the 5-year quarterly average of 1.1
Atlanticus Holdings's revenue has decreased by 12% YoY and by 8% QoQ

Efficiency

How efficient is Atlanticus Holdings business performance
The company's return on invested capital has shrunk by 55% YoY and by 24% QoQ
Atlanticus Holdings's return on assets has shrunk by 50% YoY and by 23% QoQ
ATLC's ROE is down by 47% YoY and by 22% QoQ
ATLC's return on sales is down by 22% year-on-year and by 11% since the previous quarter

Dividends

What is ATLC's dividend
DPS
N/A
Dividend yield
N/A
Payout ratio
N/A

There are no recent dividends present for ATLC.

Financial health

How did Atlanticus Holdings financials performed over time
The total assets is 24% more than the total liabilities
The total liabilities has grown by 27% YoY and by 6% from the previous quarter
The total assets has grown by 23% YoY and by 6% from the previous quarter
The debt has increased by 27% year-on-year and by 6% since the previous quarter
The debt to equity has grown by 13% year-on-year

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.