Atlanticus Holdings Corporation Logo

Atlanticus Holdings Corporation

ATLC

(2.0)
Stock Price

34,48 USD

4.38% ROA

26.79% ROE

4.52x PER

Market Cap.

517.856.250,00 USD

902.43% DER

0% Yield

15.02% NPM

Atlanticus Holdings Corporation Stock Analysis

Atlanticus Holdings Corporation Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Atlanticus Holdings Corporation Fundamental Stock Analysis
# Analysis Rating
1 ROE

The stock's ROE exceeds expectations (28.69%), revealing strong profitability and efficient use of shareholders' equity, making it an attractive investment opportunity.

2 Assets Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

3 ROA

The stock's ROA (4.39%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

4 PBV

The stock's PBV ratio (1.11x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

5 Graham Number

The company's Graham number indicates that it is undervalued compared to its stock price, suggesting a potentially favorable investment opportunity.

6 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (117), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

7 DER

The company has a high debt to equity ratio (872%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

8 Revenue Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

9 Net Profit Growth

This company's net profit has remained stagnant over the past five years, indicating a lack of growth and making it a less favorable investment option.

10 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

11 Dividend

No dividends from the company in the past three years raises doubts about its profitability for shareholders.

Atlanticus Holdings Corporation Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Atlanticus Holdings Corporation Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Sell
3 RSI Hold
4 Stoch RSI Sell

Atlanticus Holdings Corporation Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Atlanticus Holdings Corporation Revenue
Year Revenue Growth
1998 58.000.000
1999 148.800.000 61.02%
2000 242.060.000 38.53%
2001 153.901.000 -57.28%
2002 179.927.000 14.46%
2003 453.819.000 60.35%
2004 570.923.000 20.51%
2005 914.614.000 37.58%
2006 1.283.363.000 28.73%
2007 1.678.498.000 23.54%
2008 296.118.000 -466.83%
2009 -195.737.000 251.28%
2010 662.650.000 129.54%
2011 259.454.000 -155.4%
2012 131.671.000 -97.05%
2013 99.674.000 -32.1%
2014 104.267.000 4.41%
2015 71.993.000 -44.83%
2016 59.476.000 -21.05%
2017 75.035.000 20.74%
2018 158.908.000 52.78%
2019 350.134.000 54.62%
2020 340.267.000 -2.9%
2021 399.799.000 14.89%
2022 292.565.000 -36.65%
2023 1.179.628.000 75.2%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Atlanticus Holdings Corporation Research and Development Expenses
Year Research and Development Expenses Growth
1998 0
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Atlanticus Holdings Corporation General and Administrative Expenses
Year General and Administrative Expenses Growth
1998 1.200.000
1999 3.100.000 61.29%
2000 5.833.000 46.85%
2001 12.161.000 52.04%
2002 18.514.000 34.31%
2003 19.405.000 4.59%
2004 22.287.000 12.93%
2005 33.815.000 34.09%
2006 50.211.000 32.65%
2007 74.371.000 32.49%
2008 349.208.000 78.7%
2009 259.351.000 -34.65%
2010 158.784.000 -63.34%
2011 96.391.000 -64.73%
2012 17.317.000 -456.63%
2013 17.832.000 2.89%
2014 19.777.000 9.83%
2015 19.825.000 0.24%
2016 24.026.000 17.49%
2017 22.751.000 -5.6%
2018 23.430.000 2.9%
2019 26.229.000 10.67%
2020 29.079.000 9.8%
2021 34.024.000 14.53%
2022 43.063.000 20.99%
2023 45.440.000 5.23%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Atlanticus Holdings Corporation EBITDA
Year EBITDA Growth
1998 42.800.000
1999 96.500.000 55.65%
2000 133.363.000 27.64%
2001 22.849.000 -483.67%
2002 49.032.000 53.4%
2003 184.411.000 73.41%
2004 247.692.000 25.55%
2005 305.403.000 18.9%
2006 258.261.000 -18.25%
2007 70.803.000 -264.76%
2008 -66.666.000 206.21%
2009 -655.059.000 89.82%
2010 -26.778.000 -2346.26%
2011 183.906.000 114.56%
2012 42.540.000 -332.31%
2013 18.716.000 -127.29%
2014 64.672.000 71.06%
2015 62.437.000 -3.58%
2016 15.334.000 -307.18%
2017 -18.438.000 183.17%
2018 41.609.000 144.31%
2019 39.689.000 -4.84%
2020 122.546.000 67.61%
2021 222.180.000 44.84%
2022 211.880.000 -4.86%
2023 953.696.000 77.78%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Atlanticus Holdings Corporation Gross Profit
Year Gross Profit Growth
1998 58.000.000
1999 148.800.000 61.02%
2000 242.060.000 38.53%
2001 153.901.000 -57.28%
2002 179.927.000 14.46%
2003 453.819.000 60.35%
2004 570.923.000 20.51%
2005 914.614.000 37.58%
2006 1.283.363.000 28.73%
2007 1.678.498.000 23.54%
2008 296.118.000 -466.83%
2009 -195.737.000 251.28%
2010 662.650.000 129.54%
2011 259.454.000 -155.4%
2012 131.671.000 -97.05%
2013 99.674.000 -32.1%
2014 104.267.000 4.41%
2015 71.993.000 -44.83%
2016 59.476.000 -21.05%
2017 75.035.000 20.74%
2018 158.908.000 52.78%
2019 350.134.000 54.62%
2020 307.785.000 -13.76%
2021 361.574.000 14.88%
2022 248.693.000 -45.39%
2023 1.134.212.000 78.07%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Atlanticus Holdings Corporation Net Profit
Year Net Profit Growth
1998 25.400.000
1999 59.000.000 56.95%
2000 82.374.000 28.38%
2001 2.867.000 -2773.18%
2002 5.871.000 51.17%
2003 121.718.000 95.18%
2004 100.719.000 -20.85%
2005 171.350.000 41.22%
2006 107.475.000 -59.43%
2007 -50.996.000 310.75%
2008 -101.582.000 49.8%
2009 -540.889.000 81.22%
2010 -97.504.000 -454.74%
2011 134.017.000 172.75%
2012 24.451.000 -448.1%
2013 -17.741.000 237.82%
2014 7.177.000 347.19%
2015 1.713.000 -318.97%
2016 -6.335.000 127.04%
2017 -40.781.000 84.47%
2018 7.856.000 619.11%
2019 26.443.000 70.29%
2020 94.120.000 71.91%
2021 177.902.000 47.09%
2022 135.597.000 -31.2%
2023 154.172.000 12.05%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Atlanticus Holdings Corporation Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1998 1
1999 2 100%
2000 2 0%
2001 0 0%
2002 0 0%
2003 2 100%
2004 2 -100%
2005 3 66.67%
2006 2 -50%
2007 -1 300%
2008 -2 50%
2009 -11 81.82%
2010 -2 -450%
2011 5 140%
2012 1 -400%
2013 -1 200%
2014 1 0%
2015 0 0%
2016 0 0%
2017 -3 100%
2018 1 0%
2019 2 100%
2020 5 80%
2021 10 50%
2022 7 -42.86%
2023 11 30%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Atlanticus Holdings Corporation Free Cashflow
Year Free Cashflow Growth
1998 10.400.000
1999 49.900.000 79.16%
2000 62.688.000 20.4%
2001 33.320.000 -88.14%
2002 239.030.000 86.06%
2003 338.782.000 29.44%
2004 120.537.000 -181.06%
2005 247.902.000 51.38%
2006 479.979.000 48.35%
2007 701.315.000 31.56%
2008 559.007.000 -25.46%
2009 284.117.000 -96.75%
2010 331.651.000 14.33%
2011 82.232.000 -303.31%
2012 30.761.000 -167.33%
2013 -30.343.000 201.38%
2014 -24.802.000 -22.34%
2015 -20.000 -123910%
2016 38.666.000 100.05%
2017 -25.860.000 249.52%
2018 41.473.000 162.35%
2019 99.713.000 58.41%
2020 211.985.000 52.96%
2021 205.277.000 -3.27%
2022 341.278.000 39.85%
2023 116.752.000 -192.31%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Atlanticus Holdings Corporation Operating Cashflow
Year Operating Cashflow Growth
1998 10.900.000
1999 55.800.000 80.47%
2000 74.624.000 25.23%
2001 63.375.000 -17.75%
2002 248.606.000 74.51%
2003 346.768.000 28.31%
2004 131.356.000 -163.99%
2005 278.541.000 52.84%
2006 508.018.000 45.17%
2007 766.858.000 33.75%
2008 568.879.000 -34.8%
2009 287.708.000 -97.73%
2010 335.511.000 14.25%
2011 83.773.000 -300.5%
2012 32.947.000 -154.27%
2013 -26.856.000 222.68%
2014 -20.734.000 -29.53%
2015 864.000 2499.77%
2016 39.015.000 97.79%
2017 -25.465.000 253.21%
2018 42.856.000 159.42%
2019 99.963.000 57.13%
2020 212.734.000 53.01%
2021 212.366.000 -0.17%
2022 346.130.000 38.65%
2023 116.863.000 -196.18%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Atlanticus Holdings Corporation Capital Expenditure
Year Capital Expenditure Growth
1998 500.000
1999 5.900.000 91.53%
2000 11.936.000 50.57%
2001 30.055.000 60.29%
2002 9.576.000 -213.86%
2003 7.986.000 -19.91%
2004 10.819.000 26.19%
2005 30.639.000 64.69%
2006 28.039.000 -9.27%
2007 65.543.000 57.22%
2008 9.872.000 -563.93%
2009 3.591.000 -174.91%
2010 3.860.000 6.97%
2011 1.541.000 -150.49%
2012 2.186.000 29.51%
2013 3.487.000 37.31%
2014 4.068.000 14.28%
2015 884.000 -360.18%
2016 349.000 -153.3%
2017 395.000 11.65%
2018 1.383.000 71.44%
2019 250.000 -453.2%
2020 749.000 66.62%
2021 7.089.000 89.43%
2022 4.852.000 -46.1%
2023 111.000 -4271.17%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Atlanticus Holdings Corporation Equity
Year Equity Growth
1998 54.500.000
1999 176.400.000 69.1%
2000 404.181.000 56.36%
2001 446.479.000 9.47%
2002 447.868.000 0.31%
2003 574.013.000 21.98%
2004 683.890.000 16.07%
2005 767.211.000 10.86%
2006 883.940.000 13.21%
2007 792.579.000 -11.53%
2008 665.844.000 -19.03%
2009 189.317.000 -251.71%
2010 42.838.000 -341.94%
2011 76.117.000 43.72%
2012 19.295.000 -294.49%
2013 1.164.000 -1557.65%
2014 7.441.000 84.36%
2015 10.959.000 32.1%
2016 5.787.000 -89.37%
2017 -36.033.000 116.06%
2018 -22.129.000 -62.83%
2019 40.335.000 154.86%
2020 116.510.000 65.38%
2021 327.499.000 64.42%
2022 365.040.000 10.28%
2023 414.567.000 11.95%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Atlanticus Holdings Corporation Assets
Year Assets Growth
1998 87.600.000
1999 223.900.000 60.88%
2000 470.505.000 52.41%
2001 536.457.000 12.29%
2002 518.915.000 -3.38%
2003 761.355.000 31.84%
2004 1.003.526.000 24.13%
2005 1.821.190.000 44.9%
2006 2.113.897.000 13.85%
2007 1.874.180.000 -12.79%
2008 1.527.417.000 -22.7%
2009 748.832.000 -103.97%
2010 880.909.000 14.99%
2011 647.907.000 -35.96%
2012 380.426.000 -70.31%
2013 352.235.000 -8%
2014 268.355.000 -31.26%
2015 280.729.000 4.41%
2016 363.989.000 22.87%
2017 425.613.000 14.48%
2018 582.608.000 26.95%
2019 936.266.000 37.77%
2020 1.207.214.000 22.44%
2021 1.943.863.000 37.9%
2022 2.387.814.000 18.59%
2023 2.596.901.000 8.05%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Atlanticus Holdings Corporation Liabilities
Year Liabilities Growth
1998 33.100.000
1999 47.500.000 30.32%
2000 66.324.000 28.38%
2001 89.978.000 26.29%
2002 71.047.000 -26.65%
2003 134.767.000 47.28%
2004 265.328.000 49.21%
2005 1.008.537.000 73.69%
2006 1.189.390.000 15.21%
2007 1.048.869.000 -13.4%
2008 836.695.000 -25.36%
2009 541.111.000 -54.63%
2010 819.092.000 33.94%
2011 571.579.000 -43.3%
2012 361.239.000 -58.23%
2013 351.077.000 -2.89%
2014 260.913.000 -34.56%
2015 269.778.000 3.29%
2016 358.212.000 24.69%
2017 461.740.000 22.42%
2018 604.737.000 23.65%
2019 895.931.000 32.5%
2020 1.090.704.000 17.86%
2021 1.616.364.000 32.52%
2022 2.022.774.000 20.09%
2023 2.182.334.000 7.31%

Atlanticus Holdings Corporation Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
33.19
Net Income per Share
7.85
Price to Earning Ratio
4.52x
Price To Sales Ratio
1.08x
POCF Ratio
1.21
PFCF Ratio
1.23
Price to Book Ratio
1.24
EV to Sales
4.39
EV Over EBITDA
2.52
EV to Operating CashFlow
4.95
EV to FreeCashFlow
5.04
Earnings Yield
0.22
FreeCashFlow Yield
0.81
Market Cap
0,52 Bil.
Enterprise Value
2,11 Bil.
Graham Number
71.24
Graham NetNet
100.19

Income Statement Metrics

Net Income per Share
7.85
Income Quality
4.3
ROE
0.29
Return On Assets
0.04
Return On Capital Employed
0.98
Net Income per EBT
0.86
EBT Per Ebit
0.17
Ebit per Revenue
1.02
Effective Tax Rate
0.1

Margins

Sales, General, & Administrative to Revenue
0.09
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
0.92
Operating Profit Margin
1.02
Pretax Profit Margin
0.18
Net Profit Margin
0.15

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0.22
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
29.45
Free CashFlow per Share
28.94
Capex to Operating CashFlow
-0.02
Capex to Revenue
-0.02
Capex to Depreciation
-2.11
Return on Invested Capital
0.18
Return on Tangible Assets
0.04
Days Sales Outstanding
3270.66
Days Payables Outstanding
265.42
Days of Inventory on Hand
0
Receivables Turnover
0.11
Payables Turnover
1.38
Inventory Turnover
0
Capex per Share
-0.51

Balance Sheet

Cash per Share
27,58
Book Value per Share
28,74
Tangible Book Value per Share
28.58
Shareholders Equity per Share
28.74
Interest Debt per Share
262.37
Debt to Equity
9.02
Debt to Assets
1.45
Net Debt to EBITDA
1.91
Current Ratio
2.52
Tangible Asset Value
0,41 Bil.
Net Current Asset Value
2,53 Bil.
Invested Capital
9.02
Working Capital
2,84 Bil.
Intangibles to Total Assets
0
Average Receivables
4,18 Bil.
Average Payables
0,05 Bil.
Average Inventory
0
Debt to Market Cap
7.26

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Atlanticus Holdings Corporation Dividends
Year Dividends Growth
2009 1

Atlanticus Holdings Corporation Profile

About Atlanticus Holdings Corporation

Atlanticus Holdings Corporation provides credit and related financial services and products to customers the United States. It operates in two segments, Credit as a Service, and Auto Finance. The Credit as a Service segment originates a range of consumer loan products, such as private label and general purpose credit cards originated by lenders through various channels, including retail and healthcare, direct mail solicitation, digital marketing, and partnerships with third parties; and offers credit to their customers for the purchase of various goods and services, including consumer electronics, furniture, elective medical procedures, healthcare, educational services, and home-improvements by partnering with retailers and service providers. In addition, it offers loan servicing, such as risk management and customer service outsourcing for third parties; and engages in testing and investment activities in consumer finance technology platforms. The Auto Finance segment purchases and/or services loans secured by automobiles from or for a pre-qualified network of independent automotive dealers and automotive finance companies in the buy-here, pay-here, and used car business. This segment also provides floor plan financing and installment lending products. Further, the company invests in and services portfolios of credit card receivables. Atlanticus Holdings Corporation was founded in 1996 and is headquartered in Atlanta, Georgia.

CEO
Mr. Jeffrey A. Howard
Employee
386
Address
Five Concourse Parkway
Atlanta, 30328

Atlanticus Holdings Corporation Executives & BODs

Atlanticus Holdings Corporation Executives & BODs
# Name Age
1 Mr. Kas Naderi
Chief Information Officer & Senior Vice President of Technology Systems
70
2 Mr. David Caruso
Chief Commercial Officer
70
3 Mr. Mitchell C. Saunders
Chief Accounting Officer
70
4 Mr. Brian Stone
Chief Data Science & Risk Officer
70
5 Mr. Jeffrey A. Howard
President, Chief Executive Officer & Director
70
6 Ms. Linda Brooks
Chief Technology Officer
70
7 Ms. Rosalind Drakeford
Managing Counsel, Chief Compliance Officer & Corporate Secretary
70
8 Mr. William R. McCamey
Chief Financial Officer
70
9 Mr. Matt Zalubowski
Senior Vice President of Marketing
70
10 Mr. David G. Hanna
Executive Chairman
70

Atlanticus Holdings Corporation Competitors