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XNAS
ATLCL
Market cap762mUSD
May 19, Last price  
24.15USD
1D
0.37%
1Q
0.83%
Name

Atlanticus Holdings Corp

Chart & Performance

D1W1MN
P/E
4.18
P/S
1.22
EPS
5.78
Div Yield, %
4.76%
Shrs. gr., 5y
4.25%
Rev. gr., 5y
-3.08%
Revenues
299m
-74.08%
914,614,0001,283,363,0001,678,498,000296,118,000-195,737,000662,650,000259,454,000131,671,00099,674,000104,267,00071,993,00059,476,00075,035,000158,908,000350,134,000340,267,000399,799,000292,565,0001,155,246,000299,400,000
Net income
87m
-15.05%
171,350,000107,475,000-50,996,000-101,582,000-540,889,000-97,504,000134,017,00024,451,000-17,741,0007,177,0001,713,000-6,335,000-40,781,0007,856,00026,443,00094,120,000177,902,000135,597,000102,845,00087,368,000
CFO
469m
+2.20%
278,541,000508,018,000766,858,000568,879,000287,708,000335,511,00083,773,00032,947,000-26,856,000-20,734,000864,00039,015,000-25,465,00042,856,00099,963,000212,734,000212,366,000346,130,000459,317,000469,405,000
Dividend
Jul 15, 20240.38281 USD/sh
Earnings
Aug 06, 2025

Profile

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.
IPO date
Apr 23, 1999
Employees
355
Domiciled in
US
Incorporated in
US

Valuation

Title
USD in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFYFY
2024‑122023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑12
Income
Revenues
299,400
-74.08%
1,155,246
294.87%
292,565
-26.82%
Cost of revenue
(6,043)
199,507
149,338
Unusual Expense (Income)
NOPBT
305,443
955,739
143,227
NOPBT Margin
102.02%
82.73%
48.96%
Operating Taxes
28,471
26,604
14,660
Tax Rate
9.32%
2.78%
10.24%
NOPAT
276,972
929,135
128,567
Net income
87,368
-15.05%
102,845
-24.15%
135,597
-23.78%
Dividends
(25,741)
(24,910)
(24,793)
Dividend yield
2.45%
3.41%
4.88%
Proceeds from repurchase of equity
(45,600)
(17,673)
(84,840)
BB yield
4.35%
2.42%
16.71%
Debt
Debt current
2,223,636
1,673,418
Long-term debt
48,376
2,046,498
1,837,915
Deferred revenue
1,922,824
Other long-term liabilities
329,452
(1,802,370)
(3,598,502)
Net debt
1,772,376
1,662,845
3,126,349
Cash flow
Cash from operating activities
469,405
459,317
346,130
CAPEX
(3,992)
(4,852)
Cash from investing activities
(747,031)
(672,203)
(680,785)
Cash from financing activities
393,609
163,345
261,255
FCF
2,496,399
2,350,537
(2,273,370)
Balance
Cash
499,636
383,653
384,984
Long term investments
Excess cash
484,666
325,891
370,356
Stockholders' equity
484,628
445,252
243,044
Invested Capital
2,672,011
2,233,094
1,976,800
ROIC
11.29%
44.14%
5.13%
ROCE
9.68%
37.35%
6.40%
EV
Common stock shares outstanding
18,808
18,882
19,376
Price
55.78
44.25%
38.67
47.60%
26.20
-63.26%
Market cap
1,049,110
43.68%
730,167
43.83%
507,651
-65.94%
EV
2,911,486
2,531,004
3,672,629
EBITDA
310,630
958,299
148,075
EV/EBITDA
9.37
2.64
24.80
Interest
160,173
109,342
81,851
Interest/NOPBT
52.44%
11.44%
57.15%