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Atlanticus Holdings Corporation ATLC
Financial Services - Financial - Credit Services - NASDAQ - US
Watchlist
$ 51.61
0.675 %
$ 781 M
Market Cap
9.52
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one ATLC stock under the worst case scenario is HIDDEN Compared to the current market price of 51.6 USD, Atlanticus Holdings Corporation is HIDDEN

ATLC Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one ATLC stock under the base case scenario is HIDDEN Compared to the current market price of 51.6 USD, Atlanticus Holdings Corporation is HIDDEN

ATLC Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one ATLC stock under the best case scenario is HIDDEN Compared to the current market price of 51.6 USD, Atlanticus Holdings Corporation is HIDDEN

ATLC Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart ATLC

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1M -2%
6M -17%
1Y 87%
3Y 53%
5Y 306%
All
$62.0$62.0$60.0$60.0$58.0$58.0$56.0$56.0$54.0$54.0$52.0$52.0$50.0$50.0$48.0$48.0$46.0$46.0$44.0$44.0$42.0$42.015 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '25
FINANCIALS
299 M REVENUE
-74.08%
Growth Rates
1Year -74.08%
3Years -9.19%
5Years -3.08%
7Years 21.86%
10Years 11.12%
299 M OPERATING INCOME
15.86%
Growth Rates
1Year 15.86%
3Years 10.79%
5Years 56.33%
7Years 73.04%
10Years 29.18%
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%
345 M REVENUE
158.58%
Growth Rates
1Year -74.08%
3Years -9.19%
5Years -3.08%
7Years 21.86%
10Years 11.12%
293 K OPERATING INCOME
-99.65%
Growth Rates
1Year 15.86%
3Years 10.79%
5Years 56.33%
7Years 73.04%
10Years 29.18%
31.1 M NET INCOME
0.49%
Growth Rates
1Year 7.06%
3Years -14.76%
5Years 33.25%
7Years 24.72%
10Years 31.13%
132 M OPERATING CASH FLOW
7.32%
Growth Rates
1Year 2.20%
3Years 30.26%
5Years 36.25%
7Years 53.88%
10Years 37.77%
-115 M INVESTING CASH FLOW
34.72%
Growth Rates
1Year -11.13%
3Years -16.29%
5Years -11.49%
7Years -34.69%
10Years -38.82%
-54.9 M FINANCING CASH FLOW
-32.60%
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 24.4 M
Other Non-Current Assets -10.5 M
97.30 %4.75 %Total Assets$513.5m
Current Liabilities 2.34 B
Accounts Payable 72.1 M
Short-Term Debt 0
Other Current Liabilities 2.27 B
Non-Current Liabilities 2.71 B
Long-Term Debt 2.39 B
Other Non-Current Liabilities 317 M
44.89 %47.39 %6.29 %Total Liabilities$5.0b
EFFICIENCY
Earnings Waterfall Atlanticus Holdings Corporation
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Revenue 299 M
Cost Of Revenue 177 M
Gross Profit 283 M
Operating Expenses -56.2 M
Operating Income 299 M
Other Expenses 189 M
Net Income 110 M
350m350m300m300m250m250m200m200m150m150m100m100m50m50m00299m(177m)283m56m299m(189m)110mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
94.53% GROSS MARGIN
94.53%
Averages
1Year 94.53%
3Years 90.20%
5Years 90.30%
7Years 87.31%
10Years 69.55%
99.78% OPERATING MARGIN
99.78%
Averages
1Year 99.78%
3Years 64.29%
5Years 56.30%
7Years 45.17%
10Years 30.89%
37.17% NET MARGIN
37.17%
Averages
1Year 37.17%
3Years 30.81%
5Years 32.92%
7Years 25.30%
10Years 11.45%
22.58% ROE
22.58%
Averages
1Year 22.58%
3Years 27.75%
5Years 43.55%
7Years 35.19%
10Years 26.57%
3.40% ROA
3.40%
Averages
1Year 3.40%
3Years 4.29%
5Years 5.97%
7Years 4.86%
10Years 2.33%
-13.01% ROIC
-13.01%
Averages
1Year -13.01%
3Years -0.10%
5Years 21.94%
7Years 22.31%
10Years 15.40%
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 -1.79 M
Stock-Based Compensation 3.9 M
Change in Working Capital -274 M
Others 46.5 M
Free Cash Flow 468 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 $49 , with forecasts ranging from a low of $42 to a high of $60 .
ATLC Lowest Price Target Wall Street Target
42 USD -18.62%
ATLC Average Price Target Wall Street Target
49 USD -5.06%
ATLC Highest Price Target Wall Street Target
60 USD 16.26%
Price
Max Price Target
Min Price Target
Average Price Target
656560605555505045454040353530302525Jul '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 '26Jun '26Jun '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
0 USD 0
6-9 MONTHS
1.07 M USD 3
9-12 MONTHS
39.3 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
Atlanticus Announces Approval of Quarterly Preferred Stock Dividend ATLANTA, May 13, 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 June 16, 2025 to holders of record of Atlanticus' Series B Cumulative Perpetual Preferred Stock on the close of business on June 1, 2025. globenewswire.com - 1 month ago
Atlanticus Holdings Corporation (ATLC) Tops Q1 Earnings and Revenue Estimates Atlanticus Holdings Corporation (ATLC) came out with quarterly earnings of $1.49 per share, beating the Zacks Consensus Estimate of $1.33 per share. This compares to earnings of $1.09 per share a year ago. zacks.com - 1 month ago
Atlanticus Reports First Quarter 2025 Financial Results First Quarter 2025 net margin growth of 26.4% over prior year, with 3.8 million accounts served (1) globenewswire.com - 1 month 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
Is Atlanticus (ATLC) Stock Undervalued 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
Does Atlanticus (ATLC) Have the Potential to Rally 25.68% as Wall Street Analysts Expect? The average of price targets set by Wall Street analysts indicates a potential upside of 25.7% in Atlanticus (ATLC). While the effectiveness of this highly sought-after metric is questionable, the positive trend in earnings estimate revisions might translate into an upside in the stock. zacks.com - 2 months ago
Volatile Markets? Try These Relative Price Strength Stocks IHS, ATLC, REX and FMS are four stocks with explosive relative price strength. zacks.com - 2 months ago
Top Value Stocks to Buy After the Market Selloff as Uncertainty Persists Guiding investors on how to screen for stocks that offer the winning combination of compelling value and improving earnings outlooks, ideal for buying in April amid ongoing market volatility and beyond. zacks.com - 2 months ago
Will Atlanticus (ATLC) Beat Estimates Again in Its Next Earnings Report? 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
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 months 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 months 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 - 3 months ago
8. Profile Summary

Atlanticus Holdings Corporation ATLC

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COUNTRY US
INDUSTRY Financial - Credit Services
MARKET CAP $ 781 M
Dividend Yield 0.74%
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. Kas Naderi Chief Information Officer & Senior Vice President of Technology Systems Mr. Mitchell C. Saunders Chief Accounting Officer Ms. Rosalind T. Drakeford Managing Counsel, Chief Compliance Officer & Corporate Secretary Mr. Brian Stone Chief Data Science & Risk Officer Mr. William R. McCamey Chief Financial Officer Mr. Matt Zalubowski Senior Vice President of Marketing Mr. Jeffrey A. Howard President, Chief Executive Officer & Director Mr. David Caruso Chief Commercial Officer Mr. David G. Hanna Executive Chairman