(ATLC) Atlanticus Holdings - Overview
Sector: Financial Services | Industry: Credit Services | Exchange: NASDAQ (USA) | Market Cap: 1.234m USD | Total Return: 70.1% in 12m
Avg Turnover: 4.74M
EPS Trend: 91.5%
Qual. Beats: 1
Rev. Trend: 92.7%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Rs(ibd) Leader, Idiosyncratic Leader, Tailwind, Confidence
Atlanticus Holdings Corporation (ATLC) is a financial technology firm specializing in subprime and near-prime consumer credit markets. The company operates primarily through two segments: Credit as a Service (CaaS) and Auto Finance. The CaaS division facilitates private-label and general-purpose credit products via bank partners, targeting point-of-sale retail, healthcare, and home improvement sectors under brands such as Fortiva and Aspire.
The Auto Finance segment focuses on the buy-here, pay-here used car market, purchasing and servicing loans secured by vehicles and providing floor plan financing to independent dealers. This business model relies on risk management analytics to extend credit to consumers who are often underserved by traditional banking institutions. In the consumer finance sector, companies like Atlanticus typically generate revenue through interest income, servicing fees, and merchant discount fees.
For a detailed breakdown of the companys valuation metrics and historical performance, consider checking ValueRay. Atlanticus remains headquartered in Atlanta, Georgia, and has maintained operations in the consumer credit space since its founding in 1996.
- Net interest income sensitivity to Federal Reserve monetary policy shifts
- Credit quality performance across subprime consumer loan portfolios
- Expansion of point-of-sale retail and healthcare merchant partnerships
- Operating margins impacted by provision for credit loss fluctuations
- Regulatory oversight of high-interest consumer lending and fee structures
| Net Income: 134.9m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA -1.77 > 1.0 |
| NWC/Revenue: 29.41% < 20% (prev 55.01%; Δ -25.60% < -1%) |
| CFO/TA 0.11 > 3% & CFO 792.7m > Net Income 134.9m |
| Net Debt (5.57b) to EBITDA (312.3m): 17.85 < 3 |
| Current Ratio: 1.84 > 1.5 & < 3 |
| Outstanding Shares: last quarter (19.2m) vs 12m ago 1.31% < -2% |
| Gross Margin: 75.06% > 18% (prev 0.62%; Δ 7.44k% > 0.5%) |
| Asset Turnover: 23.27% > 50% (prev 14.96%; Δ 8.31% > 0%) |
| Interest Coverage Ratio: 0.80 > 6 (EBITDA TTM 312.3m / Interest Expense TTM 377.1m) |
| A: 0.05 (Total Current Assets 804.1m - Total Current Liabilities 436.7m) / Total Assets 7.47b |
| B: 0.07 (Retained Earnings 548.3m / Total Assets 7.47b) |
| C: 0.06 (EBIT TTM 300.5m / Avg Total Assets 5.37b) |
| D: 0.08 (Book Value of Equity 548.3m / Total Liabilities 6.78b) |
| Altman-Z'' = 1.02 = BB |
As of May 26, 2026, the stock is trading at USD 83.14 with a total of 128,000 shares traded.
Over the past week, the price has changed by +7.75%,
over one month by +4.72%,
over three months by +52.61% and
over the past year by +70.06%.
Atlanticus Holdings has received a consensus analysts rating of 4.29. Therefore, it is recommended to buy ATLC.
- StrongBuy: 4
- Buy: 1
- Hold: 2
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 104 | 25.1% |
P/E Trailing = 11.4944
P/E Forward = 7.8678
P/S = 1.9618
P/B = 1.7943
Revenue TTM = 1.25b USD
EBIT TTM = 300.5m USD
EBITDA TTM = 312.3m USD
Long Term Debt = 6.33b USD (from longTermDebt, last quarter)
Short Term Debt = 78.4m USD (from shortTermDebt, last quarter)
Debt = 6.38b USD (from shortLongTermDebtTotal, last quarter) + Leases 24.5m
Net Debt = 5.57b USD (calculated: Debt 6.38b - CCE 804.1m)
Enterprise Value = 6.81b USD (1.23b + Debt 6.38b - CCE 804.1m)
Interest Coverage Ratio = 0.80 (Ebit TTM 300.5m / Interest Expense TTM 377.1m)
EV/FCF = 46.08x (Enterprise Value 6.81b / FCF TTM 147.8m)
FCF Yield = 2.17% (FCF TTM 147.8m / Enterprise Value 6.81b)
FCF Margin = 11.83% (FCF TTM 147.8m / Revenue TTM 1.25b)
Net Margin = 10.79% (Net Income TTM 134.9m / Revenue TTM 1.25b)
Gross Margin = 75.06% ((Revenue TTM 1.25b - Cost of Revenue TTM 311.6m) / Revenue TTM)
Gross Margin QoQ = 92.34% (prev 48.55%)
Tobins Q-Ratio = 0.91 (Enterprise Value 6.81b / Total Assets 7.47b)
Interest Expense / Debt = 5.91% (Interest Expense 377.1m / Debt 6.38b)
Taxrate = 24.25% (14.3m / 58.8m)
NOPAT = 227.6m (EBIT 300.5m * (1 - 24.25%))
Current Ratio = 1.16 (Total Current Assets 804.1m / Total Current Liabilities 695.0m)
Debt / Equity = 9.27 (Debt 6.38b / totalStockholderEquity, last quarter 688.4m)
Debt / EBITDA = 17.85 (Net Debt 5.57b / EBITDA 312.3m)
Debt / FCF = 37.73 (Net Debt 5.57b / FCF TTM 147.8m)
Total Stockholder Equity = 622.5m (last 4 quarters mean from totalStockholderEquity)
RoA = 2.51% (Net Income 134.9m / Total Assets 7.47b)
RoE = 21.67% (Net Income TTM 134.9m / Total Stockholder Equity 622.5m)
RoCE = 4.32% (EBIT 300.5m / Capital Employed (Equity 622.5m + L.T.Debt 6.33b))
RoIC = 3.11% (NOPAT 227.6m / Invested Capital 7.32b)
WACC = 5.66% (E(1.23b)/V(7.61b) * Re(11.75%) + D(6.38b)/V(7.61b) * Rd(5.91%) * (1-Tc(0.24)))
Discount Rate = 11.75% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 90.68 | Cagr: 1.15%
[DCF] Terminal Value 77.97% ; FCFF base≈137.8m ; Y1≈157.9m ; Y5≈232.4m
[DCF] Fair Price = N/A (negative equity: EV 3.50b - Net Debt 5.57b = -2.08b; debt exceeds intrinsic value)
EPS Correlation: 91.46 | EPS CAGR: 20.31% | SUE: 2.88 | # QB: 1
Revenue Correlation: 92.70 | Revenue CAGR: 51.02% | SUE: -0.19 | # QB: 0
EPS current Quarter (2026-06-30): EPS=2.49 | Chg30d=+23.73% | Revisions=+50% | Analysts=4
EPS next Quarter (2026-09-30): EPS=2.71 | Chg30d=-4.07% | Revisions=-25% | Analysts=4
EPS current Year (2026-12-31): EPS=9.63 | Chg30d=+7.90% | Revisions=+50% | GrowthEPS=+61.6% | GrowthRev=+51.2%
EPS next Year (2027-12-31): EPS=13.34 | Chg30d=+4.71% | Revisions=+25% | GrowthEPS=+38.5% | GrowthRev=+13.2%
[Analyst] Revisions Ratio: +50%