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Atlanticus Holdings Corporation 6.125% Senior Notes due 2026 ATLCL
Financial Services - Financial - Credit Services - NASDAQ - US
Watchlist
$ 24.0
0.461 %
$ 746 M
Market Cap
None
P/E
1. INTRINSIC VALUE

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

The intrinsic value of one ATLCL stock under the worst case scenario is HIDDEN Compared to the current market price of 24 USD, Atlanticus Holdings Corporation 6.125% Senior Notes due 2026 is HIDDEN

ATLCL Intrinsic Value
HIDDEN
SHOW

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

The intrinsic value of one ATLCL stock under the base case scenario is HIDDEN Compared to the current market price of 24 USD, Atlanticus Holdings Corporation 6.125% Senior Notes due 2026 is HIDDEN

ATLCL Intrinsic Value
HIDDEN
SHOW

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

The intrinsic value of one ATLCL stock under the best case scenario is HIDDEN Compared to the current market price of 24 USD, Atlanticus Holdings Corporation 6.125% Senior Notes due 2026 is HIDDEN

ATLCL Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart ATLCL

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1M 0%
6M 4%
1Y 13%
3Y 23%
5Y --%
All
$24.6$24.6$24.4$24.4$24.2$24.2$24.0$24.0$23.8$23.8$23.6$23.6$23.4$23.4$23.2$23.2$23.0$23.0$22.8$22.8$22.6$22.6$22.4$22.415 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 6.125% Senior Notes due 2026
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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 6.125% Senior Notes due 2026
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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
90.87% GROSS MARGIN
90.87%
Averages
1Year 90.87%
3Years 90.87%
5Years 89.95%
7Years 88.64%
10Years 81.82%
22.81% OPERATING MARGIN
22.81%
Averages
1Year 22.81%
3Years 21.86%
5Years 33.15%
7Years 34.33%
10Years 27.55%
6.67% NET MARGIN
6.67%
Averages
1Year 6.67%
3Years 9.51%
5Years 13.80%
7Years 10.91%
10Years 3.35%
17.73% ROE
17.73%
Averages
1Year 17.73%
3Years 26.13%
5Years 42.58%
7Years 39.73%
10Years 27.92%
2.67% ROA
2.67%
Averages
1Year 2.67%
3Years 4.05%
5Years 5.82%
7Years 5.11%
10Years 2.19%
-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 6.125% Senior Notes due 2026
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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 6.125% Senior Notes due 2026
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ATLCL has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
1.54% DIVIDEND YIELD
0.383 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.600001.600001.400001.400001.200001.200001.000001.000000.800000.800000.600000.600000.400000.400000.200000.200000.000000.000000.382810.382810.382810.382810.382810.382810.382810.382810.382810.382810.382811.530.382811.530.382811.530.3820222022202320232024202420252025
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5. COMPETITION
6. Ownership
Insider Ownership Atlanticus Holdings Corporation 6.125% Senior Notes due 2026
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
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
8. Profile Summary

Atlanticus Holdings Corporation 6.125% Senior Notes due 2026 ATLCL

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COUNTRY US
INDUSTRY Financial - Credit Services
MARKET CAP $ 746 M
Dividend Yield 1.54%
Description Atlanticus Holdings Corp. is a financial holding company, which engages in the provision of financial technology and related services. It operates through the Credit as a Service (CaaS) and Auto Finance segments. The CaaS segment includes private label credit and general purpose credit cards originated by lenders through multiple channels, including retail and healthcare, direct mail solicitation, digital marketing and partnerships with third parties. The Auto Finance segment services loans secured by independent automotive dealers and automotive finance companies in the buy-here, pay-here used car business. The company was founded by David G. Hanna in August 1996 and is headquartered in Atlanta, GA.
Contact Atlanta, GA, http://www.atlanticus.com
IPO Date Nov. 23, 2021
Employees 386
Officers