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XNASATLCP
Market cap848mUSD
Dec 24, Last price  
23.00USD
1D
-1.29%
1Q
0.00%
Name

Atlanticus Holdings Corp

Chart & Performance

D1W1MN
XNAS:ATLCP chart

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
2023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑122014‑12
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%