(ATLC) Atlanticus Holdings - Ratings and Ratios
Credit Cards, Installment Loans, Merchant Services, Consumer Finance
ATLC EPS (Earnings per Share)
ATLC Revenue
Description: ATLC Atlanticus Holdings
Atlanticus Holdings (NASDAQ: ATLC) operates in the U.S. consumer finance niche, focusing on unsecured personal loans, credit cards, and specialty financing for niche markets such as automotive and health care. Its business model hinges on high‑yield, short‑term credit products, generating revenue primarily through interest income and loan origination fees.
Financially, the company trades at a forward‑looking price‑to‑earnings multiple below 8×, indicating market expectations of continued earnings expansion. Return on equity exceeds 23%, reflecting strong capital efficiency. Net interest margin remains in the high‑single‑digit range, supported by a diversified loan portfolio and disciplined pricing strategy.
Key performance indicators include loan originations growing at double‑digit annual rates, a loan book size approaching $2 billion, and a delinquency rate that has trended below 4% over the past twelve months, well under industry averages. Charge‑off ratios are contained around 2%, and the company’s provision coverage ratio exceeds 150%, providing a buffer against credit deterioration.
Macro‑economic drivers are critical: the sector is highly sensitive to the Federal Reserve’s interest‑rate policy, as rate hikes compress net interest margins but also elevate loan demand from consumers seeking fixed‑rate financing. Consumer confidence and disposable income trends directly affect origination volumes, while unemployment levels influence credit quality. Regulatory scrutiny on payday‑type lending and consumer protection rules can impose compliance costs and limit product offerings.
Balance sheet strength is underscored by a leverage ratio (assets‑to‑equity) near 4.5×, with ample liquidity maintained through a mix of revolving credit facilities and cash reserves. The firm’s capital allocation strategy emphasizes share repurchases and modest dividend payouts, returning excess cash to shareholders while preserving capital for growth initiatives.
ATLC Stock Overview
| Market Cap in USD | 949m |
| Sub-Industry | Consumer Finance |
| IPO / Inception | 1999-04-23 |
ATLC Stock Ratings
| Growth Rating | 60.6% |
| Fundamental | 70.8% |
| Dividend Rating | 0.08% |
| Return 12m vs S&P 500 | 61.2% |
| Analyst Rating | 4.29 of 5 |
ATLC Dividends
Currently no dividends paidATLC Growth Ratios
| Growth Correlation 3m | 52.5% |
| Growth Correlation 12m | 43% |
| Growth Correlation 5y | 27.7% |
| CAGR 5y | 51.24% |
| CAGR/Max DD 5y | 0.68 |
| Sharpe Ratio 12m | 1.13 |
| Alpha | 61.90 |
| Beta | 2.035 |
| Volatility | 46.42% |
| Current Volume | 20.9k |
| Average Volume 20d | 35.2k |
| Stop Loss | 64.1 (-3.9%) |
| Signal | -0.93 |
Piotroski VR‑10 (Strict, 0-10) 4.5
| Net Income (122.9m TTM) > 0 and > 6% of Revenue (6% = 72.9m TTM) |
| FCFTA 0.14 (>2.0%) and ΔFCFTA -3.46pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -176.1% (prev -158.9%; Δ -17.24pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.14 (>3.0%) and CFO 499.2m > Net Income 122.9m (YES >=105%, WARN >=100%) |
| Net Debt (2.01b) to EBITDA (270.5m) ratio: 7.42 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.18 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (19.2m) change vs 12m ago 2.02% (target <= -2.0% for YES) |
| Gross Margin 98.09% (prev 90.56%; Δ 7.53pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 37.50% (prev 35.25%; Δ 2.25pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 1.42 (EBITDA TTM 270.5m / Interest Expense TTM 188.4m) >= 6 (WARN >= 3) |
Altman Z'' -2.74
| (A) -0.59 = (Total Current Assets 483.2m - Total Current Liabilities 2.62b) / Total Assets 3.64b |
| (B) 0.12 = Retained Earnings (Balance) 450.9m / Total Assets 3.64b |
| (C) 0.08 = EBIT TTM 266.8m / Avg Total Assets 3.24b |
| (D) 0.15 = Book Value of Equity 450.9m / Total Liabilities 3.04b |
| Total Rating: -2.74 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 70.83
| 1. Piotroski 4.50pt = -0.50 |
| 2. FCF Yield 14.92% = 5.0 |
| 3. FCF Margin 40.75% = 7.50 |
| 4. Debt/Equity 4.73 = -2.46 |
| 5. Debt/Ebitda 10.55 = -2.50 |
| 6. ROIC - WACC 2.53% = 3.17 |
| 7. RoE 23.57% = 1.96 |
| 8. Rev. Trend 74.90% = 3.74 |
| 9. Rev. CAGR 89.36% = 2.50 |
| 10. EPS Trend 75.23% = 1.88 |
| 11. EPS CAGR 5.35% = 0.53 |
What is the price of ATLC shares?
Over the past week, the price has changed by +1.72%, over one month by +36.40%, over three months by +35.16% and over the past year by +88.52%.
Is Atlanticus Holdings a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of ATLC is around 73.80 USD . This means that ATLC is currently undervalued and has a potential upside of +10.64% (Margin of Safety).
Is ATLC a buy, sell or hold?
- Strong Buy: 4
- Buy: 1
- Hold: 2
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the ATLC price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 71.2 | 6.7% |
| Analysts Target Price | 68.1 | 2.2% |
| ValueRay Target Price | 79.3 | 18.9% |
Last update: 2025-08-22 02:47
ATLC Fundamental Data Overview
CCE Cash And Equivalents = 483.2m USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 11.0299
P/E Forward = 7.8678
P/S = 2.0765
P/B = 1.6851
Beta = 1.937
Revenue TTM = 1.21b USD
EBIT TTM = 266.8m USD
EBITDA TTM = 270.5m USD
Long Term Debt = 2.77b USD (from longTermDebt, last quarter)
Short Term Debt = 78.7m USD (from shortTermDebt, last quarter)
Debt = 2.85b USD (Calculated: Short Term 78.7m + Long Term 2.77b)
Net Debt = 2.01b USD (from netDebt column, last quarter)
Enterprise Value = 3.32b USD (949.3m + Debt 2.85b - CCE 483.2m)
Interest Coverage Ratio = 1.42 (Ebit TTM 266.8m / Interest Expense TTM 188.4m)
FCF Yield = 14.92% (FCF TTM 495.1m / Enterprise Value 3.32b)
FCF Margin = 40.75% (FCF TTM 495.1m / Revenue TTM 1.21b)
Net Margin = 10.12% (Net Income TTM 122.9m / Revenue TTM 1.21b)
Gross Margin = 98.09% ((Revenue TTM 1.21b - Cost of Revenue TTM 23.2m) / Revenue TTM)
Tobins Q-Ratio = 7.36 (Enterprise Value 3.32b / Book Value Of Equity 450.9m)
Interest Expense / Debt = 1.88% (Interest Expense 53.7m / Debt 2.85b)
Taxrate = 20.55% (from yearly Income Tax Expense: 28.5m / 138.6m)
NOPAT = 212.0m (EBIT 266.8m * (1 - 20.55%))
Current Ratio = 0.18 (Total Current Assets 483.2m / Total Current Liabilities 2.62b)
Debt / Equity = 4.73 (Debt 2.85b / last Quarter total Stockholder Equity 603.3m)
Debt / EBITDA = 10.55 (Net Debt 2.01b / EBITDA 270.5m)
Debt / FCF = 5.76 (Debt 2.85b / FCF TTM 495.1m)
Total Stockholder Equity = 521.7m (last 4 quarters mean)
RoA = 3.37% (Net Income 122.9m, Total Assets 3.64b )
RoE = 23.57% (Net Income TTM 122.9m / Total Stockholder Equity 521.7m)
RoCE = 8.09% (Ebit 266.8m / (Equity 521.7m + L.T.Debt 2.77b))
RoIC = 7.03% (NOPAT 212.0m / Invested Capital 3.02b)
WACC = 4.49% (E(949.3m)/V(3.80b) * Re(13.51%)) + (D(2.85b)/V(3.80b) * Rd(1.88%) * (1-Tc(0.21)))
Shares Correlation 5-Years: 0.0 | Cagr: -2.06%
Discount Rate = 13.51% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 65.69% ; FCFE base≈490.5m ; Y1≈605.1m ; Y5≈1.03b
Fair Price DCF = 540.4 (DCF Value 8.17b / Shares Outstanding 15.1m; 5y FCF grow 25.0% → 3.0% )
Revenue Correlation: 74.90 | Revenue CAGR: 89.36%
Rev Growth-of-Growth: -74.25
EPS Correlation: 75.23 | EPS CAGR: 5.35%
EPS Growth-of-Growth: 9.31
Additional Sources for ATLC Stock
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Fund Manager Positions: Dataroma | Stockcircle