ATLC Atlanticus Holdings Corp

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

Price (delayed)

$27.47

Market cap

$401.43M

P/E Ratio

5.13

Dividend/share

N/A

EPS

$5.35

Enterprise value

$2.04B

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
Atlanticus Holdings's equity has increased by 21% YoY and by 4.7% QoQ
ATLC's EPS is down by 29% year-on-year but it is up by 2.7% since the previous quarter
ATLC's net income is down by 24% year-on-year but it is up by 2.3% since the previous quarter
The debt has increased by 11% year-on-year and by 3.8% 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
14.61M
Market cap
$401.43M
Enterprise value
$2.04B
Valuations
Price to earnings (P/E)
5.13
Price to book (P/B)
1.02
Price to sales (P/S)
1.13
EV/EBIT
15.79
EV/EBITDA
15.31
EV/Sales
5.76
Earnings
Revenue
$354.81M
EBIT
$129.45M
EBITDA
$133.49M
Free cash flow
$455.33M
Per share
EPS
$5.35
Free cash flow per share
$31.21
Book value per share
$27.06
Revenue per share
$24.32
TBVPS
$185.53
Balance sheet
Total assets
$2.71B
Total liabilities
$2.17B
Debt
$2.03B
Equity
$394.68M
Working capital
N/A
Liquidity
Debt to equity
5.13
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
12.31
Margins
EBITDA margin
37.6%
Gross margin
100%
Net margin
29%
Operating margin
36.2%
Efficiency
Return on assets
3.1%
Return on equity
21%
Return on invested capital
3.2%
Return on capital employed
N/A
Return on sales
36.5%
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
5.25%
1 week
12.86%
1 month
-4.15%
1 year
1.07%
YTD
-28.96%
QTD
-7.16%

Financial performance

How have Atlanticus Holdings's revenue and profit performed over time
Revenue
$354.81M
Gross profit
$354.81M
Operating income
$128.56M
Net income
$102.85M
Gross margin
100%
Net margin
29%
ATLC's net income is down by 24% year-on-year but it is up by 2.3% since the previous quarter
The net margin has declined by 17% year-on-year
ATLC's operating income is down by 14% YoY
Atlanticus Holdings's revenue has decreased by 8% YoY but it has increased by 2.7% QoQ

Growth

What is Atlanticus Holdings's growth rate over time

Valuation

What is Atlanticus Holdings stock price valuation
P/E
5.13
P/B
1.02
P/S
1.13
EV/EBIT
15.79
EV/EBITDA
15.31
EV/Sales
5.76
ATLC's EPS is down by 29% year-on-year but it is up by 2.7% since the previous quarter
The price to earnings (P/E) is 21% lower than the last 4 quarters average of 6.2 but 3.8% higher than the 5-year quarterly average of 4.7
ATLC's price to book (P/B) is 94% lower than its 5-year quarterly average of 16.4 and 26% lower than its last 4 quarters average of 1.3
Atlanticus Holdings's equity has increased by 21% YoY and by 4.7% QoQ
The P/S is 24% lower than the last 4 quarters average of 1.4 and 18% lower than the 5-year quarterly average of 1.3
Atlanticus Holdings's revenue has decreased by 8% YoY but it has increased by 2.7% QoQ

Efficiency

How efficient is Atlanticus Holdings business performance
ATLC's ROE is down by 43% YoY
Atlanticus Holdings's return on assets has decreased by 39% YoY
The company's return on invested capital fell by 27% YoY and by 3% QoQ
ATLC's return on sales is down by 6% year-on-year and by 2.1% 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 13% YoY and by 4.4% from the previous quarter
The total assets has grown by 13% YoY and by 4.2% from the previous quarter
Atlanticus Holdings's equity has increased by 21% YoY and by 4.7% QoQ
The debt has increased by 11% year-on-year and by 3.8% since the previous quarter

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