-0.85%
6.62%
59.91%
66.26%
71.43%
-7.53%
326.00%
AI Spotlight on ATLC
Company Description
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.
Market Data
| Last Price | 59.47 |
| Change Percentage | -0.85% |
| Open | 59.22 |
| Previous Close | 59.98 |
| Market Cap ( Millions) | 877 |
| Volume | 42537 |
| Year High | 64.7 |
| Year Low | 23.1 |
| M A 50 | 57.33 |
| M A 200 | 38.06 |
Financial Ratios
| FCF Yield | 56.96% |
| Dividend Yield | 0.00% |
| ROE | 20.56% |
| Debt / Equity | 503.74% |
| Net Debt / EBIDTA | 443.29% |
| Price To Book | 1.84 |
| Price Earnings Ratio | 8.99 |
| Price To FCF | 1.76 |
| Price To sales | 0.66 |
| EV / EBITDA | 6.3 |
News
- Jan -30 - Atlanticus (ATLC) Stock Jumps 5.0%: Will It Continue to Soar?
- Jan -29 - Atlanticus Announces Approval of Quarterly Preferred Stock Dividend
- Nov -12 - Atlanticus Announces Approval of Quarterly Preferred Stock Dividend
- Nov -08 - Atlanticus Holdings Corporation (ATLC) Q3 Earnings and Revenues Surpass Estimates
- Nov -07 - Atlanticus Reports Third Quarter 2024 Financial Results
- Aug -12 - Atlanticus Announces Approval of Quarterly Preferred Stock Dividend
- Aug -09 - Atlanticus Reports Second Quarter 2024 Financial Results
- Aug -06 - Analysts Estimate Atlanticus Holdings Corporation (ATLC) to Report a Decline in Earnings: What to Look Out for
- Jul -26 - Atlanticus Closes $60 Million Principal Amount of 9.25% Senior Notes Due 2029 in Add-On Offering
- Jul -25 - Atlanticus Prices $55,000,000 Principal Amount Add-On Offering of 9.25% Senior Notes Due 2029
- Jul -23 - Atlanticus Announces Add-On Offering of 9.25% Senior Notes Due 2029
- May -14 - Atlanticus Announces Approval of Quarterly Preferred Stock Dividend
- May -11 - Atlanticus Reports First Quarter 2024 Financial Results
- Apr -30 - Should You Buy Berkshire Hathaway (BRK.B) Ahead of Q1 Earnings?
- Apr -17 - Fortiva® Retail Credit Announces Second Look Financing Program with Byte
- Apr -02 - New Strong Sell Stocks for April 2nd
- Mar -28 - Atlanticus Holdings: A Cheap, High ROE Business
- Mar -04 - Atlanticus Reports Fourth Quarter and Full Year 2023 Financial Results
- Feb -14 - Atlanticus Closes Option in connection with Offering of Senior Notes
- Feb -12 - Atlanticus Announces Approval of Quarterly Preferred Stock Dividend
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Credit as a Service
Expected Growth : 12.3 %
What the company do ?
Credit as a Service from Atlanticus Holdings Corporation is a cloud-based platform offering real-time credit decisioning and loan origination services to businesses.
Why we expect these perspectives ?
Atlanticus Holdings Corporation's 12.3% growth in Credit as a Service is driven by increasing demand for digital lending solutions, expansion into new markets, strategic partnerships, and investments in technology and data analytics, enabling efficient credit decisioning and risk management.
Segment n°2 -> Auto Finance
Expected Growth : 7.88 %
What the company do ?
Auto Finance from Atlanticus Holdings Corporation provides financing solutions for automotive purchases, offering flexible payment plans and competitive rates for consumers.
Why we expect these perspectives ?
Atlanticus Holdings Corporation's 7.88% growth in Auto Finance is driven by increasing demand for used vehicles, expansion of online lending platforms, and strategic partnerships with dealerships. Additionally, the company's focus on subprime lending and diversified funding sources have contributed to its growth momentum.
Atlanticus Holdings Corporation Products
| Product Range | What is it ? |
|---|---|
| Point-of-Sale Financing | Atlanticus Holdings Corporation offers point-of-sale financing solutions that enable consumers to purchase products or services they need, while allowing them to pay over time. |
| Credit Cards | Atlanticus Holdings Corporation issues credit cards that provide consumers with access to credit for everyday purchases, with flexible repayment terms. |
| Installment Loans | Atlanticus Holdings Corporation offers installment loans that provide consumers with access to cash for unexpected expenses or large purchases, with fixed repayment terms. |
| Auto Finance | Atlanticus Holdings Corporation provides auto finance solutions that enable consumers to purchase or refinance vehicles, with flexible repayment terms. |
Atlanticus Holdings Corporation's Porter Forces
Threat Of Substitutes
The threat of substitutes for Atlanticus Holdings Corporation is moderate due to the availability of alternative products and services in the market.
Bargaining Power Of Customers
The bargaining power of customers is high due to the concentration of buyers in the market, giving them significant negotiating power.
Bargaining Power Of Suppliers
The bargaining power of suppliers is low due to the availability of multiple suppliers in the market, reducing their negotiating power.
Threat Of New Entrants
The threat of new entrants is moderate due to the moderate barriers to entry in the industry, making it possible for new companies to enter the market.
Intensity Of Rivalry
The intensity of rivalry is high due to the high level of competition in the industry, with many companies competing for market share.
Strength
Weaknesses
Opportunities
Threats
Capital Structure
| Value | |
|---|---|
| Debt Weight | 82.21% |
| Debt Cost | 6.80% |
| Equity Weight | 17.79% |
| Equity Cost | 13.34% |
| WACC | 7.97% |
| Leverage | 462.20% |
Atlanticus Holdings Corporation : Quality Control
Atlanticus Holdings Corporation passed 5 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| NICK | Nicholas Financial, Inc. operates as a consumer finance company in the United States. The company engages in acquiring and servicing automobile finance installment contracts for the purchase of new and … |
| ENVA | Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, Australia, and Canada. The company offers installment loans; line of credit accounts; receivables … |
| WRLD | World Acceptance Corporation, together with its subsidiaries, engages in small-loan consumer finance business. The company offers short-term small installment loans, medium-term larger installment loans, related credit insurance, and ancillary products … |
| PMTS | CPI Card Group Inc., together with its subsidiaries, engages in the design, production, data personalization, packaging, and fulfillment of financial payment cards. It operates through Debit and Credit, and Prepaid … |
| NRDS | NerdWallet, Inc. operates a digital platform that provides consumer-driven advice about personal finance by connecting individuals and small and mid-sized businesses with financial products providers. The company's platform offers guidance … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Enova International
A-Score
1-Year Total Return ->
🥈
Atlanticus
A-Score
1-Year Total Return ->
🥉
CPI Card Group
A-Score
1-Year Total Return ->
4
World Acceptance
A-Score
1-Year Total Return ->
5
Nicholas Financial
A-Score
1-Year Total Return ->
6
