ATLC Atlanticus Holdings Corp

Price (delayed)

$25.48

Market cap

$376.9M

P/E Ratio

4.8

Dividend/share

N/A

EPS

$5.31

Enterprise value

$1.98B

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 26% lower than the last 4 quarters average of 6.5
Atlanticus Holdings's equity has increased by 20% YoY and by 5% QoQ
The debt has increased by 17% year-on-year and by 2.7% since the previous quarter
ATLC's EPS is down by 16% year-on-year

Key stats

What are the main financial stats of ATLC
Market
Shares outstanding
14.79M
Market cap
$376.9M
Enterprise value
$1.98B
Valuations
Price to earnings (P/E)
4.8
Price to book (P/B)
0.9
Price to sales (P/S)
1.03
EV/EBIT
15.41
EV/EBITDA
14.9
EV/Sales
5.46
Earnings
Revenue
$362.05M
EBIT
$128.22M
EBITDA
$132.67M
Free cash flow
$475.12M
Per share
EPS
$5.31
Free cash flow per share
$32.51
Book value per share
$28.47
Revenue per share
$24.78
TBVPS
$190.73
Balance sheet
Total assets
$2.79B
Total liabilities
$2.23B
Debt
$2.08B
Equity
$416.02M
Working capital
N/A
Liquidity
Debt to equity
5
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
12.05
Margins
EBITDA margin
36.6%
Gross margin
100%
Net margin
28.4%
Operating margin
35.2%
Efficiency
Return on assets
2.9%
Return on equity
20%
Return on invested capital
3.1%
Return on capital employed
N/A
Return on sales
35.4%
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%
1 week
5.46%
1 month
2.41%
1 year
-24.64%
YTD
-34.11%
QTD
-13.89%

Financial performance

How have Atlanticus Holdings's revenue and profit performed over time
Revenue
$362.05M
Gross profit
$362.05M
Operating income
$127.3M
Net income
$102.8M
Gross margin
100%
Net margin
28.4%
ATLC's operating income is down by 13% YoY
The operating margin has contracted by 12% YoY and by 2.8% from the previous quarter
ATLC's net income is down by 12% year-on-year
The net margin has declined by 11% year-on-year and by 2.1% since the previous quarter

Growth

What is Atlanticus Holdings's growth rate over time

Valuation

What is Atlanticus Holdings stock price valuation
P/E
4.8
P/B
0.9
P/S
1.03
EV/EBIT
15.41
EV/EBITDA
14.9
EV/Sales
5.46
The price to earnings (P/E) is 26% lower than the last 4 quarters average of 6.5
ATLC's EPS is down by 16% year-on-year
ATLC's price to book (P/B) is 94% lower than its 5-year quarterly average of 15.6 and 31% lower than its last 4 quarters average of 1.3
Atlanticus Holdings's equity has increased by 20% YoY and by 5% QoQ
The P/S is 26% lower than the last 4 quarters average of 1.4 and 21% lower than the 5-year quarterly average of 1.3
Atlanticus Holdings's revenue has increased by 2% QoQ

Efficiency

How efficient is Atlanticus Holdings business performance
ATLC's ROE is down by 31% YoY and by 4.8% QoQ
Atlanticus Holdings's return on assets has decreased by 28% YoY and by 6% QoQ
The company's return on invested capital fell by 24% YoY and by 3.1% QoQ
ATLC's return on sales is down by 12% year-on-year and by 3% 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 25% more than the total liabilities
The total liabilities has grown by 18% YoY and by 2.8% from the previous quarter
The total assets has grown by 17% YoY and by 3% from the previous quarter
Atlanticus Holdings's equity has increased by 20% YoY and by 5% QoQ
The debt has increased by 17% year-on-year and by 2.7% since the previous quarter

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