ATLC

Atlanticus Holdings Corporation [ATLC] Stock Forecast

Q: What is Atlanticus Holdings Corporation stock symbol ?

Atlanticus Holdings Corporation is a US stock, located in Atlanta of Ga and trading under the symbol ATLC

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ATLC Stock Summary

Earnings have grown 295.08% per last year.

ATLC has more than 7 years of cash runway (93 months)

Has a high level of debt. Debt-to-Equity ratio of 4.62 is considered high.

Earnings are expected to fall -100% next year

EPS has been decreasing for the past 3 years (Yearly statements)

An RSI reading of 30 or below indicates an oversold or undervalued condition.

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ATLC Financial details

Company Rating

Strong Buy

Market Cap

399.38M

Income

109.92M

Revenue

731.63M

Book val./share

29.76

Cash/share

26.27

Dividend

Dividend %

Employees

386

Optionable

Shortable

Yes

Earnings

07 May 2024

P/E

4.53

Forward P/E

PEG

-4.07

P/S

1.08

P/B

1.24

P/C

0.97

P/FCF

1.23

Quick Ratio

2.52

Current Ratio

2.52

Debt / Equity

4.62

LT Debt / Equity

3.65

EPS (TTM)

6.71

EPS next Y

EPS next Q

EPS this Y

-29.14%

EPS next Y

EPS next 5Y

EPS last 5Y

25.19%

Revenue last 5Y

26.98%

Revenue Q/Q

4.81%

EPS Q/Q

-48.5%

SMA20

-9.95%

SMA50

-21.89%

SMA100

-11.95%

Inst Own

12.1%

Inst Trans

0.88%

ROA

ROE

29%

ROC

1.15%

Gross Margin

86%

Oper. Margin

174%

Profit Margin

24%

Payout

22%

Shs Outstand

Shs Float

Target Price

52W Range

26.26-43.7

52W High

-40.58%

52W Low

-1.73%

RSI

23.69

Rel Volume

0.78

Avg Volume

11.65K

Volume

9.15K

Perf Week

-10.91%

Perf Month

-15.73%

Perf Quarter

-10.98%

Perf Half Y

-15.37%

Beta

1.857

Volatility

0.91%, 1.53%

Prev Close

-2.14%

Price

25.55

Change

-1.77%

ATLC Financial Performance

Yearly Fundamentals Overview

Last date of statement is 2023-12-31

Metric	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31
	2.02K	2.02K	2.02K	2.02K	2.02K
Revenue per share	24.15	23.49	26.52	20	79.69
Net income per share	1.82	6.5	11.8	9.27	7.09
Operating cash flow per share	6.89	14.69	14.09	23.66	31.67
Free cash flow per share	6.88	14.63	13.62	23.33	31.39
Cash per share	9.34	12.29	27.18	26.32	26.45
Book value per share	2.82	8.1	21.76	25.05	29.97
Tangible book value per share	2.78	8.04	21.73	24.95	36.73
Share holders equity per share	2.82	8.1	21.76	25.05	29.97
Interest debt per share	112.12	129.4	183.39	244.25	146.06
Market cap	130.64M	356.79M	1.08B	383.28M	560.87M
Enterprise value	794.63M	1.1B	2.09B	1.82B	2.2B
P/E ratio	4.94	3.79	6.04	2.83	5.45
Price to sales ratio	0.37	1.05	2.69	1.31	0.49
POCF ratio	1.31	1.68	5.06	1.11	1.22
PFCF ratio	1.31	1.68	5.24	1.12	1.23
P/B Ratio	3.19	3.04	3.28	1.05	1.29
PTB ratio	3.19	3.04	3.28	1.05	1.29
EV to sales	2.27	3.24	5.23	6.21	1.91
Enterprise value over EBITDA	20.02	9	9.42	8.57	9.08
EV to operating cash flow	7.95	5.18	9.85	5.25	4.8
EV to free cash flow	7.97	5.2	10.19	5.32	4.84
Earnings yield	0.2	0.26	0.17	0.35	0.18
Free cash flow yield	0.76	0.59	0.19	0.89	0.81
Debt to equity	38.5	15.54	8.26	9.53	4.62
Debt to assets	1.68	1.51	1.39	1.46	0.74
Net debt to EBITDA	16.73	6.08	4.58	6.76	6.77
Current ratio	3.26	4.27	9.69	2.33	1.36
Interest coverage	0.63	2.22	4.06	2.53	2.2
Income quality	3.81	2.27	1.19	2.57	4.47
Dividend Yield	0.31	0.04	0.02	0.06	0.04
Payout ratio	1.51	0.14	0.12	0.18	0.24
Sales general and administrative to revenue	0.07	0.09	0.09	0.15	0.04
Research and developement to revenue	0	0	0	0	0
Intangibles to total assets	0	0	0	0	0
Capex to operating cash flow	0	0	-0.03	-0.01	-0.01
Capex to revenue	0	0	-0.02	-0.02	0
Capex to depreciation	-0.03	-0.09	-2.84	-1	-1.56
Stock based compensation to revenue	0	0	0.01	0.01	0
Graham number	10.76	34.4	76.01	72.27	69.15
ROIC	0.02	0.05	0.06	0.05	0.08
Return on tangible assets	0.03	0.08	0.09	0.06	0.04
Graham Net	-19.77	-21.62	-15.98	93.66	7.3
Working capital	93.87M	136.37M	367.37M	2.34B	706.01M
Tangible asset value	40.34M	116.51M	327.5M	365.04M	532.67M
Net current asset value	-760.45M	-912.6M	-1.21B	2.08B	482.06M
Invested capital	38.5	15.54	8.26	9.53	4.62
Average receivables	983.38M	1.71B	2.36B	3.29B	3B
Average payables	73.69M	41.67M	42.01M	43.31M	52.98M
Average inventory	-682.92M	-1.49B	-1.98B	-954.97M	408.42M
Days sales outstanding	1.61K	2.02K	2.6K	4.64K	717.51
Days payables outstanding	265.79	468.93	403.79	368.83	218.03
Days of inventory on hand	-8.72K	-18.21K	-22.37K	3.6K	1.36K
Receivables turnover	0.23	0.18	0.14	0.08	0.51
Payables turnover	1.37	0.78	0.9	0.99	1.67
Inventory turnover	-0.04	-0.02	-0.02	0.1	0.27
ROE	0.65	0.8	0.54	0.37	0.24
Capex per share	-0.02	-0.05	-0.47	-0.33	-0.28

Quarterly Fundamentals Overview

Last date of statement is 2023-12-31 for Q4

Metric	2022-12-31	2023-03-31	2023-06-30	2023-09-30	2023-12-31
	2.02K	2.02K	2.02K	2.02K	2.02K
Revenue per share	4.08	4.33	4.5	20.33	21.17
Net income per share	1.66	1.38	1.74	2.66	1.8
Operating cash flow per share	6.95	7.03	7.49	8.06	9.08
Free cash flow per share	6.71	6.83	7.41	8.05	9.08
Cash per share	26.64	26.93	27.32	27.58	26.27
Book value per share	25.35	26.7	27.93	28.74	29.76
Tangible book value per share	25.26	26.58	27.8	28.58	36.48
Share holders equity per share	25.35	26.7	27.93	28.74	29.76
Interest debt per share	243.21	237.57	245.18	257.38	139.81
Market cap	378.68M	392.71M	606.58M	439.62M	564.72M
Enterprise value	1.81B	1.78B	2.09B	2.04B	2.21B
P/E ratio	3.95	4.91	6.04	2.85	5.37
Price to sales ratio	6.43	6.27	9.33	1.49	1.83
POCF ratio	3.77	3.86	5.61	3.76	4.26
PFCF ratio	3.91	3.97	5.67	3.77	4.26
P/B Ratio	1.03	1.02	1.5	1.05	1.3
PTB ratio	1.03	1.02	1.5	1.05	1.3
EV to sales	30.75	28.45	32.23	6.91	7.14
Enterprise value over EBITDA	11.58	8.54	8.94	8.54	34.18
EV to operating cash flow	18.03	17.53	19.37	17.43	16.64
EV to free cash flow	18.69	18.02	19.56	17.44	16.65
Earnings yield	0.06	0.05	0.04	0.09	0.05
Free cash flow yield	0.26	0.25	0.18	0.27	0.23
Debt to equity	9.53	8.84	8.72	9.02	4.62
Debt to assets	1.46	1.44	1.43	1.45	0.74
Net debt to EBITDA	9.16	6.66	6.35	6.7	25.44
Current ratio	2.33	2.48	2.54	2.52	1.36
Interest coverage	6.49	8.58	9.68	-8.43	1.96
Income quality	4.24	3.93	4.36	4.68	5.04
Dividend Yield	0.02	0.02	0.01	0.01	0.01
Payout ratio	0.26	0.31	0.25	0.16	0.24
Sales general and administrative to revenue	0.19	0.17	0.16	0.04	0.04
Research and developement to revenue	0	0	0	0	0
Intangibles to total assets	0	0	0	0	0
Capex to operating cash flow	-0.04	-0.03	-0.01	0	0
Capex to revenue	-0.06	-0.04	-0.02	0	0
Capex to depreciation	-4.71	-3.28	-1.21	-0.1	-0.13
Stock based compensation to revenue	0.02	0.01	0.02	0	0
Graham number	30.77	28.8	33.05	41.45	34.73
ROIC	0.03	0.04	0.05	0.07	0.02
Return on tangible assets	0.01	0.01	0.01	0.01	0.01
Graham Net	94.8	101.12	108.61	113.98	7.25
Working capital	2.34B	2.5B	2.69B	2.84B	706.01M
Tangible asset value	365.04M	384.74M	401.39M	414.57M	532.67M
Net current asset value	2.08B	2.2B	2.38B	2.53B	482.06M
Invested capital	9.53	8.84	8.72	9.02	4.62
Average receivables	3.63B	3.76B	3.92B	4.18B	3.29B
Average payables	43.91M	43.17M	44.74M	47.82M	54.9M
Average inventory	409.94M	433.85M	414.46M	397.21M	391.84M
Days sales outstanding	5.69K	5.45K	5.6K	1.32K	661.61
Days payables outstanding	119.07	354.55	398.67	381.83	203.49
Days of inventory on hand	1.16K	3.67K	3.31K	3.17K	1.27K
Receivables turnover	0.02	0.02	0.02	0.07	0.14
Payables turnover	0.76	0.25	0.23	0.24	0.44
Inventory turnover	0.08	0.02	0.03	0.03	0.07
ROE	0.07	0.05	0.06	0.09	0.06
Capex per share	-0.25	-0.19	-0.07	-0.01	-0.01

ATLC Frequently Asked Questions

What is Atlanticus Holdings Corporation stock symbol ?

Atlanticus Holdings Corporation is a US stock , located in Atlanta of Ga and trading under the symbol ATLC

What is Atlanticus Holdings Corporation stock quote today ?

Atlanticus Holdings Corporation stock price is $25.55 today.

Is Atlanticus Holdings Corporation stock public?

Yes, Atlanticus Holdings Corporation is a publicly traded company.

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Company Profile

Volume Average 11.65K
Market Capitalization 399.38M
Employee 386
CEO Mr. Jeffrey A. Howard
Headquarters Atlanta,GA,US
IPO Date 1999-04-23
Website https://www.atlanticus.com

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.