Atlanticus Holdings Corporation

Atlanticus Holdings Corporation

ATLC · NASDAQ · Financial Services / Credit Services

83.42USD+4.12 (+5.20%)

Price History

Full chart

Market Stats

Previous Close79.30
Open80.00
Day Range78.39 – 83.72
52-Week Range47.50 – 114.34
Volume157.90K
Market Cap1.39B
P/E (TTM)11.87
Forward P/E7.87
EPS7.70
Dividend Yield0.00%
Beta2.02
50-Day Avg97.32
200-Day Avg77.10

About

Atlanticus Holdings Corporation, a financial technology company, provides products and services to lenders in the United States. The company operates in two segments, Credit as a Service (CaaS) and Auto Finance. Its CaaS segment offers private label credit products associated with the healthcare space under the Curae brand, as well as consumer electronics, furniture, elective medical procedures, and home-improvement under the Fortiva brand and its retail partners' brands; and general-purpose credit cards under the Aspire, Imagine, Mercury, and Fortiva brand names. The company's private label and general-purpose credit cards originated from its bank partners through various channels, including retail and healthcare point-of-sale locations, direct mail solicitation, and digital marketing and partnerships with third parties. This segment also offers loan servicing, such as risk management and customer service outsourcing for third parties, as well as engages in other product testing and investments. 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 and pay-here used car business. This segment also provides floor plan financing and installment lending products. The company was founded in 1996 and is headquartered in Atlanta, Georgia.

Company Details

  • SectorFinancial Services
  • IndustryCredit Services
  • CEOMr. Jeffrey A. Howard
  • Employees576
  • HeadquartersFive Concourse Parkway, Atlanta, GA, United States, 30328, USA
  • Websitehttps://www.atlanticus.com

Leadership

  • Mr. David G. HannaExecutive Chairman · b. 1965
  • Mr. Jeffrey A. HowardPresident, CEO & Director · b. 1970
  • Mr. William R. McCameyChief Financial Officer · b. 1969
  • Mr. Mitchell C. SaundersChief Accounting Officer · b. 1973
  • Ms. Linda BrooksChief Technology Officer
  • Mr. Kas NaderiChief Information Officer & Senior VP of Technology Systems
  • Ms. Rosalind T. DrakefordManaging Counsel, Chief Compliance Officer & Corporate Secretary
  • Mr. Matt ZalubowskiSenior Vice President of Marketing
  • Mr. David CarusoChief Commercial Officer
  • Mr. Brian StoneChief Data Science & Risk Officer

Financials

Income Statement

Currency: USD1998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue58.70M148.80M242.06M154.22M216.40M460.35M559.41M948.59M1.34B1.76B479.27M-218.33M648.19M300.26M163.79M123.55M128.32M90.32M75.91M100.42M192.22M407.83M391.81M453.93M374.42M365.68M459.57M704.50M
Growth (%)-+153.49%+62.67%-36.29%+40.32%+112.73%+21.52%+69.57%+40.82%+31.75%-72.77%-145.56%+396.88%-53.68%-45.45%-24.57%+3.86%-29.61%-15.96%+32.29%+91.41%+112.17%-3.93%+15.85%-17.52%-2.33%+25.68%+53.29%
Cost of Revenue600.00K-113.63M317.00K7.58M6.53M66.67M174.63M565.05M1.05B123.49M103.94M94.05M184.40M138.02M68.11M50.03M6.06M51.83M95.85M137.78M299.11M194.27M90.58M83.10M111.49M176.54M308.14M
Gross Profit58.10M148.80M242.06M153.90M208.82M453.82M492.74M773.95M770.78M711.27M355.78M-322.27M554.14M115.86M25.77M55.44M78.29M84.26M24.08M4.57M54.43M108.71M197.55M363.34M291.31M254.19M283.03M396.36M
Gross Margin98.98%100.00%100.00%99.79%96.50%98.58%88.08%81.59%57.70%40.41%74.23%147.60%85.49%38.59%15.73%44.87%61.01%93.29%31.72%4.55%28.32%26.66%50.42%80.04%77.80%69.51%61.59%56.26%
Operating Expense17.20M55.50M117.91M149.49M199.79M265.11M335.67M504.11M602.85M753.53M557.33M422.48M661.90M117.91M69.60M78.22M105.60M80.73M36.43M51.82M50.95M76.95M83.16M143.77M142.04M125.63M144.46M236.65M
Operating Income40.90M93.30M124.16M4.41M9.03M188.71M157.07M269.84M167.93M-42.26M-201.55M-744.74M-107.76M-2.05M-43.83M-22.78M-27.30M3.54M-12.36M-47.25M3.48M31.76M114.39M219.57M149.27M128.56M138.58M159.71M
Operating Margin69.68%62.70%51.29%2.86%4.17%40.99%28.08%28.45%12.57%-2.40%-42.05%341.11%-16.62%-0.68%-26.76%-18.44%-21.28%3.91%-16.28%-47.05%1.81%7.79%29.20%48.37%39.87%35.16%30.15%22.67%
EBITDA42.20M96.50M133.36M22.53M41.45M177.88M174.35M291.84M205.79M9.86M-165.18M-722.87M-94.20M4.14M-41.26M-5.08M40.77M44.10M-4.88M-46.23M4.47M39.46M122.34M222.07M154.12M132.60M143.76M169.61M
EBITDA Margin71.89%64.85%55.10%14.61%19.16%38.64%31.17%30.77%15.41%0.56%-34.47%331.09%-14.53%1.38%-25.19%-4.11%31.77%48.82%-6.43%-46.04%2.33%9.67%31.22%48.92%41.16%36.26%31.28%24.08%
Net Income25.40M59.00M82.37M2.87M5.87M121.72M100.72M171.35M107.47M-51.00M-139.47M-540.89M-97.50M134.02M24.45M-17.74M7.18M1.71M-6.33M-40.78M7.86M26.44M94.12M177.90M135.60M102.84M111.30M122.20M
Net Income Margin43.27%39.65%34.03%1.86%2.71%26.44%18.00%18.06%8.05%-2.90%-29.10%247.74%-15.04%44.63%14.93%-14.36%5.59%1.90%-8.35%-40.61%4.09%6.48%24.02%39.19%36.22%28.12%24.22%17.35%
R&D-------------0002.70M00.10.340.020.070.20.290.140.14--
R&D as % of Total Revenue-------------0.00%0.00%0.00%2.10%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%--
Interest Expense600.00K00317.00K7.58M6.53M4.73M33.97M52.47M81.52M52.88M41.87M58.63M43.83M31.12M23.87M24.05M18.33M20.21M27.70M36.90M50.73M51.55M54.13M81.85M109.34M160.17M301.90M
Interest Expense % of Total Revenue1.02%0.00%0.00%0.21%3.50%1.42%0.85%3.58%3.93%4.63%11.03%-19.18%9.05%14.60%19.00%19.32%18.74%20.29%26.62%27.58%19.20%12.44%13.16%11.92%21.86%29.90%34.85%42.85%

Balance Sheet

Currency: USD1998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets87.60M223.90M470.50M536.46M518.91M761.36M1.00B1.82B2.11B1.87B1.53B748.83M880.91M647.91M380.43M352.24M268.36M280.73M363.99M425.61M582.61M936.27M1.21B1.94B2.39B2.71B3.27B7.62B
Total Liabilities33.10M47.50M66.32M89.98M71.05M134.77M265.33M1.01B1.19B1.05B778.25M541.11M819.09M571.58M361.24M351.08M260.91M269.78M358.21M461.74M604.74M895.93M1.09B1.62B2.02B2.31B2.78B7.02B
Total Equity54.50M176.40M404.18M446.48M447.87M574.01M683.89M767.21M883.94M792.58M721.98M189.32M42.84M76.33M19.30M1.16M7.44M10.95M5.78M-36.13M-22.13M40.34M116.51M327.50M365.04M394.68M492.91M608.70M
Cash12.30M21.80M68.98M55.75M120.42M110.61M68.24M240.66M95.31M137.53M74.52M190.66M68.93M144.91M84.31M52.78M41.51M51.86M76.56M41.74M61.09M135.48M178.10M409.66M384.98M339.34M375.42M621.09M
Total Debt---16.52M--83.62M715.19M908.69M785.59M499.77M471.94M697.29M488.84M429.08M247.20M278.76M285.75M397.26M563.11M935.30M1.55B1.81B2.71B3.47B2.03B2.51B6.54B
Net Debt-12.30M-21.80M-68.98M-39.23M-120.42M-110.61M15.38M474.53M813.39M648.07M425.26M281.29M628.36M320.16M344.77M194.42M158.50M143.90M179.12M295.13M437.63M664.00M745.59M1.02B1.43B1.69B2.13B5.92B

Cash Flow

Currency: USD1998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow10.90M55.80M74.62M63.38M248.61M346.77M225.17M233.25M508.02M766.86M568.88M287.94M335.51M83.77M32.95M-26.86M-20.73M864.00K39.02M-26.47M42.86M99.96M212.73M212.37M346.13M459.32M469.40M637.96M
Investing Cash Flow-21.00M-119.10M-163.07M-131.04M-162.94M-374.93M-301.12M-523.76M-786.54M-1.04B-524.80M-114.55M173.42M433.51M199.27M49.72M29.20M14.54M-75.84M-80.32M-134.52M-433.69M-292.57M-475.02M-680.78M-672.20M-747.03M-1.51B
Financing Cash Flow20.60M62.80M145.59M54.43M-21.00M18.35M21.67M462.93M148.28M298.51M-84.20M-65.98M-607.68M-458.62M-309.40M-40.72M-18.40M-3.57M63.46M84.64M161.75M368.72M162.38M510.33M261.25M163.34M393.61M1.14B
Capital Expenditure500.00K5.90M11.94M30.05M9.58M7.99M10.82M30.64M28.04M65.54M9.87M3.59M3.86M1.54M2.19M3.49M4.07M884.00K349.00K395.00K1.38M250.00K749.00K7.09M4.85M3.99M1.79M5.02M
Free Cash Flow10.40M49.90M62.69M33.32M239.03M338.78M214.35M202.61M479.98M701.32M559.01M284.35M331.65M82.23M30.76M-30.34M-24.80M-20.00K38.67M-26.86M41.47M99.71M211.99M205.28M341.28M455.32M467.62M632.94M
Dividends Paid--829.00K144.00K---22.21M--5.71M23.86M8.55M33.16M047.47M0164.37M240.08M323.63M13.56M40.00M13.56M21.81M24.79M24.91M25.74M12.43M
FCF to OCF95.41%89.43%84.01%52.58%96.15%97.70%95.20%86.86%94.48%91.45%98.26%98.75%98.85%98.16%93.37%112.98%119.62%-2.31%99.11%101.49%96.77%99.75%99.65%96.66%98.60%99.13%99.62%99.21%
Dividend Paid to FCF--1.32%0.43%---10.96%--1.02%8.39%2.58%40.32%0.00%-156.44%0.00%-821825.00%620.90%-1204.66%32.70%40.12%6.40%10.62%7.26%5.47%5.50%1.96%

Earnings

Report DateJul 28, 1999Nov 10, 1999Feb 1, 2000Apr 25, 2000Jul 25, 2000Oct 24, 2000Jan 30, 2001Apr 23, 2001Jul 19, 2001Oct 29, 2001Jan 29, 2002May 15, 2002Aug 13, 2002Nov 12, 2002Feb 3, 2003May 5, 2003Aug 15, 2003Nov 3, 2003Feb 17, 2004May 4, 2004Aug 3, 2004Nov 2, 2004Feb 16, 2005May 4, 2005Aug 3, 2005Nov 1, 2005Feb 15, 2006May 8, 2006Aug 2, 2006Nov 6, 2006Feb 13, 2007May 8, 2007Aug 1, 2007Nov 5, 2007Feb 13, 2008May 7, 2008Aug 5, 2008Nov 5, 2008Feb 12, 2009May 6, 2009Aug 10, 2009Nov 5, 2009Mar 5, 2010May 11, 2010Aug 6, 2010Nov 5, 2010Mar 4, 2011May 12, 2011Aug 10, 2011Dec 31, 2011Mar 31, 2012Jun 30, 2012Sep 30, 2012Dec 31, 2012Mar 31, 2013Jun 30, 2013Sep 30, 2013Dec 31, 2013Feb 24, 2014Jun 30, 2014Sep 30, 2014Dec 31, 2014Mar 31, 2015Jun 30, 2015Sep 30, 2015Dec 31, 2015Mar 31, 2016Jun 30, 2016Sep 30, 2016Dec 31, 2016Mar 31, 2017May 11, 2017Aug 15, 2017Nov 3, 2017Mar 2, 2018May 15, 2018Aug 14, 2018Nov 2, 2018Mar 1, 2019May 15, 2019Aug 14, 2019Nov 14, 2019Mar 30, 2020May 15, 2020Aug 14, 2020Nov 13, 2020Mar 31, 2021May 14, 2021Aug 13, 2021Nov 12, 2021Mar 15, 2022May 10, 2022Aug 9, 2022Nov 8, 2022Mar 14, 2023May 9, 2023Aug 8, 2023Nov 8, 2023Mar 4, 2024May 10, 2024Aug 8, 2024Nov 7, 2024Mar 3, 2025May 8, 2025Aug 7, 2025Nov 10, 2025Mar 18, 2026May 7, 2026Aug 6, 2026Nov 9, 2026
EPS Estimate-0.060.140.450.420.460.440.530.090.310.330.310.08-0.380.360.310.320.350.570.620.500.470.470.691.160.840.660.920.971.000.420.210.231.300.84-0.22-1.21-0.43-0.74-0.84-2.00--1.50-1.30-1.32-1.22-0.90-0.95-0.75--------------------------------------2.171.421.502.102.451.451.401.511.020.821.070.981.010.891.221.271.501.301.601.621.662.502.86
EPS Actual0.050.240.770.540.530.480.240.140.320.320.120.02-0.220.430.350.490.390.760.230.650.570.750.540.941.261.050.601.090.971.070.40-0.190.250.950.52-2.17-2.11-0.690.17-2.59-2.81-5.01-1.46-0.89-0.73-1.06-0.910.68-0.16-0.25-0.38-0.42-0.42-0.18-0.22-0.71-0.650.29-0.79-0.80-0.422.540.140.100.03-0.150.330.02-0.65-0.150.050.05-0.63-1.04-1.74-0.340.41-1.161.610.390.350.830.080.140.931.721.122.171.561.962.131.961.461.410.981.081.021.031.111.090.991.271.421.491.511.211.752.232.50-
Surprise183.33%71.43%71.11%28.57%15.22%9.09%-54.72%55.56%3.23%-3.03%-61.29%-75.00%-13.16%-2.78%58.06%21.88%117.14%-59.65%4.84%14.00%59.57%14.89%36.23%8.62%25.00%-9.09%18.48%0.00%7.00%-4.76%-190.48%8.70%-26.92%-38.10%-886.36%-74.38%-60.47%122.97%-208.33%-40.50%-2.67%31.54%44.70%13.11%-1.11%171.58%78.67%--------------------------------------0.00%9.86%30.67%1.43%-20.00%0.69%0.71%-35.10%5.88%24.39%-3.74%13.27%7.92%11.24%4.10%11.37%-0.67%16.15%-24.38%8.02%34.34%0.00%-
TimingAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-market--After-hoursAfter-hoursAfter-hours-After-hoursAfter-hours-------------------------------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursPre-market-After-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap1.39B
Enterprise Value7.16B
Trailing P/E11.87
Forward P/E7.87
PEG Ratio0.00
Price / Sales1.90
Price / Book2.02
EPS7.70
Book Value46.27
Revenue (TTM)730.47M
Gross Profit (TTM)533.08M
Profit Margin21.08%
Operating Margin29.52%
Return on Equity22.97%
Return on Assets2.76%
Shares Outstanding15.17M
Shares Float5.50M
Beta2.02
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%

Analyst Ratings

Buy
Based on 7 analystsTarget 130.60
  • Strong Buy
    4
  • Buy
    1
  • Hold
    2

Ownership Breakdown

Institutions
26.92%
Insiders
64.31%
Retail / Other
8.77%

Top Institutional Holders

  • Wellington Management Company LLP
    522.64K3.45%
  • Dimensional Fund Advisors, Inc.
    454.39K3.00%
  • BlackRock Inc
    430.17K2.84%
  • Curated Wealth Partners LLC
    375.00K2.47%
  • Vanguard Capital Management, LLC
    235.28K1.55%
  • American Century Companies Inc
    221.05K1.46%
  • Geode Capital Management, LLC
    143.09K0.94%
  • Bridgeway Capital Management, LLC
    121.40K0.80%
  • HB Wealth Management, LLC
    118.94K0.78%
  • State Street Corp
    115.88K0.76%
  • Renaissance Technologies Corp
    115.56K0.76%
  • Philadelphia Financial Mgmt Of San Franc
    89.60K0.59%
  • Empowered Funds, LLC
    69.31K0.46%
  • Charles Schwab Investment Management Inc
    63.69K0.42%
  • Northern Trust Corp
    59.57K0.39%

Top Fund Holders

  • Avantis US Small Cap Value ETF
    211.78K1.40%
  • Vanguard MStar Total Stk Mkt Idx Invest
    166.21K1.10%
  • iShares Russell 2000 ETF
    133.47K0.88%
  • Applied Finance Explorer Institutional
    68.69K0.45%
  • EA Bridgeway Omni Small-Cap Value ETF
    65.51K0.43%

Dividends

20091×
0.50Dec 29, 2009