Atlanticus Holdings Corporation (ATLC)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total revenue | $m | 392 | 454 | 374 | 366 | 460 | 704 | 1,657 | 3,003 |
| Operating profit | $m | 160 | 294 | ||||||
| Net profit | $m | 94 | 178 | 136 | 103 | 111 | 122 | 154 | 183 |
| EPS reported | $ | 5.96 | 7.66 | ||||||
| Operating cashflow per share | $ | 42.18 | 61.95 | ||||||
| Capex per share | $ | 0.33 | 0.03 | ||||||
| FCF per share | $ | 41.85 | 61.92 | ||||||
| Free cash flow | $m | 633 | 936 | ||||||
| Net debt | $m | 5,896 | 5,626 | ||||||
| Book value equity | $m | 609 | 742 | ||||||
| Book value per share | $ | 31.72 | 38.67 | ||||||
| Number of shares | m | 19.19 | 19.19 | ||||||
| DPS (TTM paid) | $ | 0.65 | 0.48 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 11.23 | 11.37 | ||||||
| P/B LTM | x | 1.66 | 1.36 | ||||||
| P/S LTM | x | 1.44 | 0.61 | ||||||
| P/FCF LTM | x | 1.60 | 1.08 | ||||||
| EV/EBITDA LTM | x | 40.88 | 22.55 | ||||||
| EV/Sales LTM | x | 9.84 | 4.26 | ||||||
| Earnings Yield LTM | % | +8.90% | +8.80% | ||||||
| FCF Yield | % | +62.51% | +92.48% | ||||||
| Quality | |||||||||
| ROE | % | +20.08% | +23.09% | ||||||
| ROIC | % | +1.68% | +2.96% | ||||||
| Operating margin | % | +22.67% | +17.73% | ||||||
| Gross margin | % | +56.26% | +82.87% | ||||||
| FCF/Sales | % | +89.84% | +56.53% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +24.95% | +60.59% | ||||||
| Sales Growth YoY | % | +53.29% | +260.47% | ||||||
| Net Income Growth YoY | % | +9.80% | +38.37% | ||||||
| FCF Growth | % | +35.35% | +100.26% | ||||||
| Operating Profit Growth | % | +15.25% | +111.97% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +1.23% | 0.00% | ||||||
| Dividend Growth | % | -52.67% | -64.91% | ||||||
| Payout Ratio | % | +10.87% | +6.27% | ||||||
| FCF/Debt | x | 0.10 | 0.15 | ||||||
| Net Debt/EBITDA | x | 34.91 | 18.37 | ||||||
| EBIT/Net interest | x | 0.53 | 0.66 | ||||||
| Net debt/market cap | % | +6.44% | +4.46% | ||||||
| Net debt/Equity | x | 9.69 | 7.58 | ||||||
| Gross debt/equity | x | 10.75 | 8.48 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Atlanticus Holdings Corporation, operating under the ticker ATLC, is a financial services enterprise providing a spectrum of credit and related financial solutions to consumers throughout the United States. The company's operations are structured into two principal divisions: Credit as a Service and Auto Finance. The Credit as a Service segment is dedicated to the origination and facilitation of various consumer loan products. This includes both private label credit cards, often associated with specific retailers or healthcare providers, and general purpose credit cards. These cards are issued by lenders and disseminated through multiple avenues, such as retail and healthcare partnerships, targeted direct mail campaigns, digital marketing initiatives, and collaborations with external organizations. This segment empowers customers to finance acquisitions of diverse goods and services, ranging from consumer electronics and furniture to elective medical procedures, general healthcare, educational offerings, and home renovation projects. Beyond loan origination, it also offers comprehensive loan servicing, encompassing risk management and outsourced customer support for third parties, while concurrently engaging in research and development, and making strategic investments in nascent consumer finance technology platforms. The Auto Finance segment is focused on the purchase and servicing of loans collateralized by automobiles. These activities are performed for or on behalf of a carefully selected network of independent automotive dealerships and specialized finance companies, particularly those operating within the "buy-here, pay-here" and used car markets. This segment also extends its financial offerings to include inventory financing, commonly known as floor plan financing, and various installment lending products. Furthermore, Atlanticus Holdings Corporation strategically invests in and actively manages portfolios comprised of credit card receivables. The company was founded in 1996 and is headquartered in Atlanta, Georgia.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Atlanticus Holdings Corporation (ATLC)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Atlanticus Holdings Corporation, operating under the ticker ATLC, is a financial services enterprise providing a spectrum of credit and related financial solutions to consumers throughout the United States. The company's operations are structured into two principal divisions: Credit as a Service and Auto Finance. The Credit as a Service segment is dedicated to the origination and facilitation of various consumer loan products. This includes both private label credit cards, often associated with specific retailers or healthcare providers, and general purpose credit cards. These cards are issued by lenders and disseminated through multiple avenues, such as retail and healthcare partnerships, targeted direct mail campaigns, digital marketing initiatives, and collaborations with external organizations. This segment empowers customers to finance acquisitions of diverse goods and services, ranging from consumer electronics and furniture to elective medical procedures, general healthcare, educational offerings, and home renovation projects. Beyond loan origination, it also offers comprehensive loan servicing, encompassing risk management and outsourced customer support for third parties, while concurrently engaging in research and development, and making strategic investments in nascent consumer finance technology platforms. The Auto Finance segment is focused on the purchase and servicing of loans collateralized by automobiles. These activities are performed for or on behalf of a carefully selected network of independent automotive dealerships and specialized finance companies, particularly those operating within the "buy-here, pay-here" and used car markets. This segment also extends its financial offerings to include inventory financing, commonly known as floor plan financing, and various installment lending products. Furthermore, Atlanticus Holdings Corporation strategically invests in and actively manages portfolios comprised of credit card receivables. The company was founded in 1996 and is headquartered in Atlanta, Georgia.
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