Atlanticus Holdings Corporation

Atlanticus Holdings Corporation

ATLCยทNASDAQ

$76.33

-8.2%
Financial ServicesFinancial - Credit Services

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.

At a Glance

Live Snapshot
Market Cap$1.15B
EPS7.3900
P/E Ratio10.33
Earnings Date08/06/2026
Atlanticus Holdings Corporation

Atlanticus Holdings Corporation Fair Value Envelope

ATLC ยท NASDAQ

Our analysis suggests that ATLC has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $76.33, this represents a potential HIDDEN relative to our calculated worth for Atlanticus Holdings Corporation.

Intrinsic Value
Current Price: $76.33

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$130.5B
+ Cash & Equivalents$621.1M
Firm Value$131.1B
- Debt$6.5B
Equity Value$124.6B
/ Shares Outstanding15,125,449B
DCF Value$8.2K
UNDERVALUED BY 10691%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$863.5M
$1.2B
$1.6B
$2.1B
$2.9B
$3.9B
$5.3B
$7.2B
$9.7B
$13.2B
Maintenance CapEx
-$1.4M
-$1.8M
-$2.5M
-$3.4M
-$4.6M
-$6.2M
-$8.4M
-$11.3M
-$15.3M
-$20.7M
Owner Earnings
$862.2M
$1.2B
$1.6B
$2.1B
$2.9B
$3.9B
$5.3B
$7.2B
$9.7B
$13.1B
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$798.3M
$1.0B
$1.3B
$1.6B
$2.0B
$2.5B
$3.1B
$3.9B
$4.9B
$6.1B
Terminal Value represents 79.3% of Enterprise Value