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Atlanticus Holdings Corporation ATLC
Financial Services - Financial - Credit Services - NASDAQ - US
Watchlist
$ 45.61
1.24 %
$ 689 M
Market Cap
9.56
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one ATLC stock under the worst case scenario is HIDDEN Compared to the current market price of 45.6 USD, Atlanticus Holdings Corporation is HIDDEN

ATLC Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one ATLC stock under the base case scenario is HIDDEN Compared to the current market price of 45.6 USD, Atlanticus Holdings Corporation is HIDDEN

ATLC Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one ATLC stock under the best case scenario is HIDDEN Compared to the current market price of 45.6 USD, Atlanticus Holdings Corporation is HIDDEN

ATLC Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart ATLC

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1M -11%
6M 22%
1Y 87%
3Y 3%
5Y 332%
All
$65.0$65.0$60.0$60.0$55.0$55.0$50.0$50.0$45.0$45.0$40.0$40.0$35.0$35.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
299 M REVENUE
-74.08%
Growth Rates
1Year -74.08%
3Years -9.19%
5Years -3.08%
7Years 21.86%
10Years 11.12%
1.49 M OPERATING INCOME
-99.42%
Growth Rates
1Year -99.42%
3Years -81.08%
5Years -45.85%
7Years -18.86%
10Years 7.47%
110 M NET INCOME
7.06%
Growth Rates
1Year 7.06%
3Years -14.76%
5Years 33.25%
7Years 24.72%
10Years 31.13%
469 M OPERATING CASH FLOW
2.20%
Growth Rates
1Year 2.20%
3Years 30.26%
5Years 36.25%
7Years 53.88%
10Years 37.77%
-747 M INVESTING CASH FLOW
-11.13%
Growth Rates
1Year -11.13%
3Years -16.29%
5Years -11.49%
7Years -34.69%
10Years -38.82%
394 M FINANCING CASH FLOW
140.97%
Growth Rates
1Year 140.97%
3Years -8.29%
5Years 1.31%
7Years 24.55%
10Years 37.06%
88.7 M REVENUE
-74.73%
Growth Rates
1Year -74.08%
3Years -9.19%
5Years -3.08%
7Years 21.86%
10Years 11.12%
0 OPERATING INCOME
0.00%
Growth Rates
1Year -99.42%
3Years -81.08%
5Years -45.85%
7Years -18.86%
10Years 7.47%
31 M NET INCOME
7.97%
Growth Rates
1Year 7.06%
3Years -14.76%
5Years 33.25%
7Years 24.72%
10Years 31.13%
123 M OPERATING CASH FLOW
9.11%
Growth Rates
1Year 2.20%
3Years 30.26%
5Years 36.25%
7Years 53.88%
10Years 37.77%
-176 M INVESTING CASH FLOW
42.54%
Growth Rates
1Year -11.13%
3Years -16.29%
5Years -11.49%
7Years -34.69%
10Years -38.82%
168 M FINANCING CASH FLOW
-1.84%
Growth Rates
1Year 140.97%
3Years -8.29%
5Years 1.31%
7Years 24.55%
10Years 37.06%
Balance Sheet Atlanticus Holdings Corporation
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Current Assets 500 M
Cash & Short-Term Investments 500 M
Receivables 0
Other Current Assets 0
Non-Current Assets 13.9 M
Long-Term Investments 0
PP&E 13.9 M
Other Non-Current Assets 0
97.30 %Total Assets$513.5m
Current Liabilities 2.34 B
Accounts Payable 72.1 M
Short-Term Debt 2.22 B
Other Current Liabilities 42 M
Non-Current Liabilities 354 M
Long-Term Debt 24.2 M
Other Non-Current Liabilities 329 M
82.62 %12.24 %Total Liabilities$2.7b
EFFICIENCY
Earnings Waterfall Atlanticus Holdings Corporation
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Revenue 299 M
Cost Of Revenue 50.1 M
Gross Profit 249 M
Operating Expenses -56.2 M
Operating Income 1.49 M
Other Expenses -109 M
Net Income 110 M
350m350m300m300m250m250m200m200m150m150m100m100m50m50m00299m(50m)249m56m1m109m110mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
83.25% GROSS MARGIN
83.25%
Averages
1Year 83.25%
3Years 86.44%
5Years 88.04%
7Years 85.70%
10Years 68.43%
0.50% OPERATING MARGIN
0.50%
Averages
1Year 0.50%
3Years 31.19%
5Years 36.44%
7Years 30.99%
10Years 20.96%
29.18% NET MARGIN
29.18%
Averages
1Year 29.18%
3Years 28.14%
5Years 31.32%
7Years 24.16%
10Years 10.65%
17.73% ROE
17.73%
Averages
1Year 17.73%
3Years 26.13%
5Years 42.58%
7Years 34.50%
10Years 26.08%
2.67% ROA
2.67%
Averages
1Year 2.67%
3Years 4.05%
5Years 5.82%
7Years 4.75%
10Years 2.26%
0.30% ROIC
0.30%
Averages
1Year 0.30%
3Years 4.34%
5Years 24.61%
7Years 24.21%
10Years 16.73%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Atlanticus Holdings Corporation
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500m500m450m450m400m400m350m350m300m300m250m250m200m200m150m150m100m100m50m50m00(50m)(50m)20162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 110 M
Depreciation & Amortization 5.19 M
Capital Expenditures 0
Stock-Based Compensation 3.9 M
Change in Working Capital 0
Others 320 M
Free Cash Flow 469 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Atlanticus Holdings Corporation
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Wall Street analysts predict an average 1-year price target for ATLC of $48 , with forecasts ranging from a low of $42 to a high of $60 .
ATLC Lowest Price Target Wall Street Target
42 USD -7.91%
ATLC Average Price Target Wall Street Target
48 USD 5.24%
ATLC Highest Price Target Wall Street Target
60 USD 31.55%
Price
Max Price Target
Min Price Target
Average Price Target
6565606055555050454540403535303025252020May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
5. COMPETITION
slide 2 of 11
6. Ownership
Insider Ownership Atlanticus Holdings Corporation
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Sold
0-3 MONTHS
126 K USD 1
3-6 MONTHS
993 K USD 3
6-9 MONTHS
118 K USD 1
9-12 MONTHS
31.3 K USD 1
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Should Value Investors Buy Atlanticus (ATLC) Stock? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks. zacks.com - 2 weeks ago
Wall Street Analysts Predict a 29.87% Upside in Atlanticus (ATLC): Here's What You Should Know The consensus price target hints at a 29.9% upside potential for Atlanticus (ATLC). While empirical research shows that this sought-after metric is hardly effective, an upward trend in earnings estimate revisions could mean that the stock will witness an upside in the near term. zacks.com - 2 weeks ago
Are Investors Undervaluing Atlanticus (ATLC) Right Now? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks. zacks.com - 1 month ago
Atlanticus Holdings Corporation (ATLC) Q4 Earnings Surpass Estimates Atlanticus Holdings Corporation (ATLC) came out with quarterly earnings of $1.42 per share, beating the Zacks Consensus Estimate of $1.21 per share. This compares to earnings of $1.10 per share a year ago. zacks.com - 1 month ago
Atlanticus Reports Fourth Quarter and Full Year 2024 Financial Results Fourth Quarter 2024 net margin growth of 28.0% over prior year, with 3.7 million accounts served (1) globenewswire.com - 1 month ago
Why Atlanticus (ATLC) is Poised to Beat Earnings Estimates Again Atlanticus (ATLC) has an impressive earnings surprise history and currently possesses the right combination of the two key ingredients for a likely beat in its next quarterly report. zacks.com - 2 months ago
Atlanticus (ATLC) Stock Jumps 5.0%: Will It Continue to Soar? Atlanticus (ATLC) was a big mover last session on higher-than-average trading volume. The latest trend in earnings estimate revisions might help the stock continue moving higher in the near term. zacks.com - 2 months ago
Atlanticus Announces Approval of Quarterly Preferred Stock Dividend ATLANTA, Jan. 29, 2025 (GLOBE NEWSWIRE) -- Atlanticus Holdings Corporation (NASDAQ: ATLC) (“Atlanticus,” the “Company,” “we” or “our”), a financial technology company that enables its bank, retail and healthcare partners to offer more inclusive financial services to millions of everyday Americans, today announced that its Board of Directors approved a quarterly dividend of $0.476563 per share to Series B Cumulative Perpetual Preferred shareholders. The cash dividend will be paid on or about March 17, 2025 to holders of record of Atlanticus' Series B Cumulative Perpetual Preferred Stock on the close of business on March 1, 2025. globenewswire.com - 2 months ago
Should Value Investors Buy Atlanticus (ATLC) Stock? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks. zacks.com - 5 months ago
Atlanticus Announces Approval of Quarterly Preferred Stock Dividend ATLANTA, Nov. 12, 2024 (GLOBE NEWSWIRE) -- Atlanticus Holdings Corporation (NASDAQ: ATLC) (“Atlanticus,” the “Company,” “we” or “our”), a financial technology company that enables its bank, retail and healthcare partners to offer more inclusive financial services to millions of everyday Americans, today announced that its Board of Directors approved a quarterly dividend of $0.476563 per share to Series B Cumulative Perpetual Preferred shareholders. The cash dividend will be paid on or about December 16, 2024 to holders of record of Atlanticus' Series B Cumulative Perpetual Preferred Stock on the close of business on December 1, 2024. globenewswire.com - 5 months ago
Atlanticus Holdings Corporation (ATLC) Q3 Earnings and Revenues Surpass Estimates Atlanticus Holdings Corporation (ATLC) came out with quarterly earnings of $1.27 per share, beating the Zacks Consensus Estimate of $1.23 per share. This compares to earnings of $1.03 per share a year ago. zacks.com - 5 months ago
Atlanticus Reports Third Quarter 2024 Financial Results Third Quarter 2024 Total operating revenue growth of 19.0% over prior year, with 3.7 million accounts served (1) Third Quarter 2024 Total operating revenue growth of 19.0% over prior year, with 3.7 million accounts served (1) globenewswire.com - 5 months ago
8. Profile Summary

Atlanticus Holdings Corporation ATLC

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COUNTRY US
INDUSTRY Financial - Credit Services
MARKET CAP $ 689 M
Dividend Yield 0.73%
Description 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.
Contact Five Concourse Parkway, Atlanta, GA, 30328 https://www.atlanticus.com
IPO Date April 23, 1999
Employees 417
Officers Ms. Linda Brooks Chief Technology Officer Mr. Matt Zalubowski Senior Vice President of Marketing Ms. Rosalind T. Drakeford Managing Counsel, Chief Compliance Officer & Corporate Secretary Mr. William R. McCamey Chief Financial Officer Mr. Mitchell C. Saunders Chief Accounting Officer Mr. Kas Naderi Chief Information Officer & Senior Vice President of Technology Systems Mr. Jeffrey A. Howard President, Chief Executive Officer & Director Mr. David Caruso Chief Commercial Officer Mr. Brian Stone Chief Data Science & Risk Officer Mr. David G. Hanna Executive Chairman