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Atlanticus Holdings Corporation ATLCP
Financial Services - Financial - Credit Services - NASDAQ - US
Watchlist
$ 23.65
-0.211 %
$ 678 M
Market Cap
3.11
P/E
1. INTRINSIC VALUE

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.[ Read More ]

The intrinsic value of one ATLCP stock under the base case scenario is HIDDEN Compared to the current market price of 23.6 USD, Atlanticus Holdings Corporation is HIDDEN

ATLCP Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart ATLCP

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FINANCIALS
354 M REVENUE
21.06%
Growth Rates
1Year 21.06%
3Years 1.34%
5Years 17.39%
7Years 29.03%
10Years 13.52%
258 M OPERATING INCOME
24.54%
Growth Rates
1Year 24.54%
3Years 31.04%
5Years 44.72%
7Years 56.38%
10Years 29.55%
103 M NET INCOME
-23.60%
Growth Rates
1Year -23.60%
3Years 3.07%
5Years 68.32%
7Years 51.38%
10Years 22.84%
459 M OPERATING CASH FLOW
32.70%
Growth Rates
1Year 32.70%
3Years 29.25%
5Years 60.70%
7Years 42.23%
10Years 34.31%
-672 M INVESTING CASH FLOW
1.26%
Growth Rates
1Year 1.26%
3Years -31.95%
5Years -37.96%
7Years -36.58%
10Years -30.68%
163 M FINANCING CASH FLOW
-37.48%
Growth Rates
1Year -37.48%
3Years 0.20%
5Years 0.20%
7Years 14.46%
10Years 19.65%
351 M REVENUE
11.05%
Growth Rates
1Year 21.06%
3Years 1.34%
5Years 17.39%
7Years 29.03%
10Years 13.52%
354 M OPERATING INCOME
417.99%
Growth Rates
1Year 24.54%
3Years 31.04%
5Years 44.72%
7Years 56.38%
10Years 29.55%
28.7 M NET INCOME
18.14%
Growth Rates
1Year -23.60%
3Years 3.07%
5Years 68.32%
7Years 51.38%
10Years 22.84%
112 M OPERATING CASH FLOW
-2.84%
Growth Rates
1Year 32.70%
3Years 29.25%
5Years 60.70%
7Years 42.23%
10Years 34.31%
-306 M INVESTING CASH FLOW
-55.30%
Growth Rates
1Year 1.26%
3Years -31.95%
5Years -37.96%
7Years -36.58%
10Years -30.68%
171 M FINANCING CASH FLOW
2565.05%
Growth Rates
1Year -37.48%
3Years 0.20%
5Years 0.20%
7Years 14.46%
10Years 19.65%
Balance Sheet Decomposition Atlanticus Holdings Corporation
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Current Assets 2.66 B
Cash & Short-Term Investments 384 M
Receivables 2.27 B
Other Current Assets 0
Non-Current Assets 22.8 M
Long-Term Investments 0
PP&E 22.8 M
Other Non-Current Assets 0
Current Liabilities 147 M
Accounts Payable 61.6 M
Short-Term Debt 0
Other Current Liabilities 85.8 M
Non-Current Liabilities 224 M
Long-Term Debt 2.03 B
Other Non-Current Liabilities -1.8 B
EFFICIENCY
Earnings Waterfall Atlanticus Holdings Corporation
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Revenue 354 M
Cost Of Revenue 201 M
Gross Profit 153 M
Operating Expenses 96.3 M
Operating Income 258 M
Other Expenses 155 M
Net Income 103 M
RATIOS
43.24% GROSS MARGIN
43.24%
Averages
1Year 43.24%
3Years 72.90%
5Years 78.56%
7Years 75.06%
10Years 65.32%
72.80% OPERATING MARGIN
72.80%
Averages
1Year 72.80%
3Years 66.17%
5Years 48.27%
7Years 39.35%
10Years 23.34%
29.04% NET MARGIN
29.04%
Averages
1Year 29.04%
3Years 39.96%
5Years 31.02%
7Years 15.10%
10Years 10.43%
23.66% ROE
23.66%
Averages
1Year 23.66%
3Years 38.30%
5Years 51.96%
7Years 48.13%
10Years 33.95%
3.80% ROA
3.80%
Averages
1Year 3.80%
3Years 6.21%
5Years 5.85%
7Years 3.00%
10Years 2.26%
8.38% ROIC
8.38%
Averages
1Year 8.38%
3Years 7.80%
5Years 7.16%
7Years 8.53%
10Years 5.99%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Atlanticus Holdings Corporation
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Net Income 103 M
Depreciation & Amortization 2.56 M
Capital Expenditures -3.99 M
Stock-Based Compensation 3.78 M
Change in Working Capital -238 M
Others 294 M
Free Cash Flow 455 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
1.40% DIVIDEND YIELD
0.477 USD DIVIDEND PER SHARE
5. COMPETITION

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-1.05 USD
SQFTP
Overvalued 107.43%
6. Ownership
Insider Ownership Atlanticus Holdings Corporation
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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
Date Value Insider Amount Avg Price
1 year ago
Aug 16, 2023
Sell 82.6 K USD
HUDSON DEAL W
Director
- 2348
 35.16 USD
1 year ago
Aug 11, 2023
Sell 52.4 K USD
HUDSON DEAL W
Director
- 1451
 36.12 USD
1 year ago
Aug 14, 2023
Sell 25.2 K USD
HUDSON DEAL W
Director
- 701
 36 USD
1 year ago
May 15, 2023
Sell 73.8 K USD
Harrod Denise M
Director
- 2500
 29.51 USD
1 year ago
Mar 17, 2023
Bought 9.73 K USD
JAMES DENNIS H JR
Director
+ 410
 23.72 USD
1 year ago
Jan 20, 2023
Sell 500 K USD
HUDSON DEAL W
Director
- 16313
 30.65 USD
1 year ago
Dec 07, 2022
Bought 8.82 M USD
HANNA DAVID G
Executive Chairman
+ 325000
 27.15 USD
2 years ago
Nov 14, 2022
Sell 7.48 M USD
HANNA DAVID G
Executive Chairman
- 263432
 28.4 USD
7. News
8. Profile Summary

Atlanticus Holdings Corporation ATLCP

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COUNTRY US
INDUSTRY Financial - Credit Services
MARKET CAP $ 678 M
Dividend Yield 1.40%
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 386
Officers Ms. Rosalind T. Drakeford Managing Counsel, Chief Compliance Officer & Corporate Secretary Mr. Matt Zalubowski Senior Vice President of Marketing Mr. Kas Naderi Chief Information Officer & Senior Vice President of Technology Systems Mr. Mitchell C. Saunders Chief Accounting Officer Mr. Brian Stone Chief Data Science & Risk Officer Mr. David Caruso Chief Commercial Officer Ms. Linda Brooks Chief Technology Officer Mr. Jeffrey A. Howard President, Chief Executive Officer & Director Mr. David G. Hanna Executive Chairman Mr. William R. McCamey Chief Financial Officer