XNASATLCP
Market cap848mUSD
Dec 24, Last price
23.00USD
1D
-1.29%
1Q
0.00%
Name
Atlanticus Holdings Corp
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.
Valuation
Title USD in thousands, except ratios and share amounts | FY | FY | FY | FY | FY | FY | FY | FY | FY | FY |
---|---|---|---|---|---|---|---|---|---|---|
2023‑12 | 2022‑12 | 2021‑12 | 2020‑12 | 2019‑12 | 2018‑12 | 2017‑12 | 2016‑12 | 2015‑12 | 2014‑12 | |
Income | ||||||||||
Revenues | 1,155,246 294.87% | 292,565 -26.82% | 399,799 17.50% | |||||||
Cost of revenue | 199,507 | 149,338 | 128,884 | |||||||
Unusual Expense (Income) | ||||||||||
NOPBT | 955,739 | 143,227 | 270,915 | |||||||
NOPBT Margin | 82.73% | 48.96% | 67.76% | |||||||
Operating Taxes | 26,604 | 14,660 | 41,784 | |||||||
Tax Rate | 2.78% | 10.24% | 15.42% | |||||||
NOPAT | 929,135 | 128,567 | 229,131 | |||||||
Net income | 102,845 -24.15% | 135,597 -23.78% | 177,902 89.02% | |||||||
Dividends | (24,910) | (24,793) | (21,809) | |||||||
Dividend yield | 3.41% | 4.88% | 1.46% | |||||||
Proceeds from repurchase of equity | (17,673) | (84,840) | 1,118,245 | |||||||
BB yield | 2.42% | 16.71% | -75.03% | |||||||
Debt | ||||||||||
Debt current | 1,673,418 | 1,283,706 | ||||||||
Long-term debt | 2,046,498 | 1,837,915 | 1,431,499 | |||||||
Deferred revenue | 1,922,824 | 1,516,714 | ||||||||
Other long-term liabilities | (1,802,370) | (3,598,502) | (1,516,789) | |||||||
Net debt | 1,662,845 | 3,126,349 | 2,305,545 | |||||||
Cash flow | ||||||||||
Cash from operating activities | 459,317 | 346,130 | 212,366 | |||||||
CAPEX | (3,992) | (4,852) | (7,089) | |||||||
Cash from investing activities | (672,203) | (680,785) | (475,022) | |||||||
Cash from financing activities | 163,345 | 261,255 | 510,328 | |||||||
FCF | 2,350,537 | (2,273,370) | (154,644) | |||||||
Balance | ||||||||||
Cash | 383,653 | 384,984 | 409,660 | |||||||
Long term investments | ||||||||||
Excess cash | 325,891 | 370,356 | 389,670 | |||||||
Stockholders' equity | 445,252 | 243,044 | 99,736 | |||||||
Invested Capital | 2,233,094 | 1,976,800 | 3,037,701 | |||||||
ROIC | 44.14% | 5.13% | 8.90% | |||||||
ROCE | 37.35% | 6.40% | 8.63% | |||||||
EV | ||||||||||
Common stock shares outstanding | 18,882 | 19,376 | 20,898 | |||||||
Price | 38.67 47.60% | 26.20 -63.26% | 71.32 189.57% | |||||||
Market cap | 730,167 43.83% | 507,651 -65.94% | 1,490,445 201.03% | |||||||
EV | 2,531,004 | 3,672,629 | 3,835,490 | |||||||
EBITDA | 958,299 | 148,075 | 273,409 | |||||||
EV/EBITDA | 2.64 | 24.80 | 14.03 | |||||||
Interest | 109,342 | 81,851 | 54,127 | |||||||
Interest/NOPBT | 11.44% | 57.15% | 19.98% |