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Financial Services - Financial - Credit Services - NASDAQ - US
$ 22.44
-0.0445 %
$ 339 M
Market Cap
2.95
P/E
1. INTRINSIC VALUE

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

The intrinsic value of one ATLCP stock under the worst case scenario is HIDDEN Compared to the current market price of 22.4 USD, Atlanticus Holdings Corporation is HIDDEN

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

The intrinsic value of one ATLCP stock under the base case scenario is HIDDEN Compared to the current market price of 22.4 USD, Atlanticus Holdings Corporation is HIDDEN

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

The intrinsic value of one ATLCP stock under the best case scenario is HIDDEN Compared to the current market price of 22.4 USD, Atlanticus Holdings Corporation is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart ATLCP

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$23.2$23.2$23.0$23.0$22.8$22.8$22.6$22.6$22.4$22.4$22.2$22.2$22.0$22.0$21.8$21.8$21.6$21.615 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%
299 M OPERATING INCOME
15.86%
110 M NET INCOME
7.06%
469 M OPERATING CASH FLOW
2.20%
-747 M INVESTING CASH FLOW
-11.13%
394 M FINANCING CASH FLOW
140.97%
345 M REVENUE
158.58%
293 K OPERATING INCOME
-99.65%
31.1 M NET INCOME
0.49%
132 M OPERATING CASH FLOW
7.32%
-115 M INVESTING CASH FLOW
34.72%
-54.9 M FINANCING CASH FLOW
-32.60%
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
83.25% GROSS MARGIN
83.25%
46.28% OPERATING MARGIN
46.28%
37.17% NET MARGIN
37.17%
22.58% ROE
22.58%
3.40% ROA
3.40%
-13.01% ROIC
-13.01%
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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ATLCP has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.74% DIVIDEND YIELD
0.477 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
2.000002.000001.800001.800001.600001.600001.400001.400001.200001.200001.000001.000000.800000.800000.600000.600000.400000.400000.200000.200000.000000.000000.470040.476560.476560.476560.483090.476560.476560.476560.497740.476650.476560.476560.476561.930.476561.910.476561.910.476561.910.002021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 4
6. Ownership
Insider Ownership Atlanticus Holdings Corporation
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Sold
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0 USD 0
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0 USD 0
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7. News
8. Profile Summary

Atlanticus Holdings Corporation ATLCP

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COUNTRY US
INDUSTRY Financial - Credit Services
MARKET CAP $ 339 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 June 14, 2021
Employees 417
Officers Mr. Jeffrey A. Howard President, Chief Executive Officer & Director Mr. William R. McCamey Chief Financial Officer Mr. Matt Zalubowski Senior Vice President of Marketing Ms. Linda Brooks Chief Technology Officer Mr. Kas Naderi Chief Information Officer & Senior Vice President of Technology Systems Ms. Rosalind T. Drakeford Managing Counsel, Chief Compliance Officer & Corporate Secretary Mr. David Caruso Chief Commercial Officer Mr. Mitchell C. Saunders Chief Accounting Officer Mr. David G. Hanna Executive Chairman Mr. Brian Stone Chief Data Science & Risk Officer