ATLC - Atlanticus Holdings Corp Stock Price, Fair Value and News

24.16USD+0.22 (+0.92%)Market Closed

Market Summary

USD24.16+0.22

Market Closed

0.92%

ATLC Alerts

1 major insider buys recently.

ATLC Stock Price

View Fullscreen

ATLC RSI Chart

ATLC Valuation

Market Cap

357.4M

Price/Earnings (Trailing)

3.48

Price/Sales (Trailing)

0.3

EV/EBITDA

-0.35

Price/Free Cashflow

0.75

ATLC Price/Sales (Trailing)

ATLC Profitability

EBT Margin

10.74%

Return on Equity

24.88%

Return on Assets

3.69%

Free Cashflow Yield

133.31%

ATLC Fundamentals

ATLC Revenue

Revenue (TTM)

1.2B

Rev. Growth (Yr)

11.36%

Rev. Growth (Qtr)

-5.95%

ATLC Earnings

Earnings (TTM)

102.8M

Earnings Growth (Yr)

-0.16%

Earnings Growth (Qtr)

-0.51%

Breaking Down ATLC Revenue

Last 7 days

-16.4%

Last 30 days

-5.4%

Last 90 days

-27.8%

Trailing 12 Months

-21.2%

How does ATLC drawdown profile look like?

ATLC Financial Health

ATLC Investor Care

Shares Dilution (1Y)

2.27%

Diluted EPS (TTM)

4.25

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs

Net sales

Year	Q1	Q2	Q3	Q4
2024	1.2B	0	0	0
2023	1.1B	1.1B	1.1B	1.2B
2022	833.2M	921.1M	995.1M	1.0B
2021	567.6M	614.0M	673.5M	748.1M
2020	545.2M	625.8M	699.7M	563.4M
2019	175.9M	193.3M	221.9M	455.2M
2018	124.5M	135.6M	148.5M	161.2M
2017	96.3M	101.5M	106.4M	114.7M
2016	101.9M	94.3M	90.0M	88.6M
2015	108.7M	111.0M	114.3M	117.0M
2014	95.8M	112.4M	121.2M	112.5M
2013	56.7M	52.3M	48.3M	70.5M
2012	145.3M	120.4M	105.7M	94.6M
2011	292.0M	246.2M	200.4M	154.6M
2010	0	0	0	337.7M

Get all data in R, Python etc through our Historical Stock Data APIs

Tracking the Latest Insider Buys and Sells of Atlanticus Holdings Corp

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Apr 09, 2024	hanna frank j iii	bought	7,431,420	28.21	263,432	-
Apr 09, 2024	hanna frank j iii	sold	-7,419	28.21	-263	-
Mar 18, 2024	saunders mitchell	sold (taxes)	-3,583	30.11	-119	chief accounting officer
Mar 14, 2024	mccamey william	sold (taxes)	-29,980	30.01	-999	chief financial officer
Mar 14, 2024	howard jeffrey a.	sold (taxes)	-75,295	30.01	-2,509	president & ceo
Mar 14, 2024	saunders mitchell	sold (taxes)	-3,151	30.01	-105	chief accounting officer
Mar 13, 2024	mccamey william	sold (taxes)	-60,701	30.08	-2,018	chief financial officer
Mar 13, 2024	saunders mitchell	sold (taxes)	-4,572	30.08	-152	chief accounting officer
Mar 13, 2024	howard jeffrey a.	sold (taxes)	-86,780	30.08	-2,885	president & ceo
Mar 12, 2024	hudson deal w	sold	-61,000	30.5	-2,000	-

Which funds bought or sold ATLC recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 16, 2024	CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM	reduced	-0.26	-55,344	178,339	-%
May 15, 2024	CITADEL ADVISORS LLC	added	87.88	146,723	481,992	-%
May 15, 2024	DEUTSCHE BANK AG\	unchanged	-	-18,723	61,015	-%
May 15, 2024	STATE STREET CORP	added	0.88	-875,154	2,962,220	-%
May 15, 2024	KELLY LAWRENCE W & ASSOCIATES INC/CA	new	-	81,819	81,819	0.02%
May 15, 2024	MORGAN STANLEY	reduced	-17.72	-168,239	286,017	-%
May 15, 2024	PRICE T ROWE ASSOCIATES INC /MD/	sold off	-100	-204,000	-	-%
May 15, 2024	BANK OF AMERICA CORP /DE/	reduced	-48.65	-149,826	96,967	-%
May 15, 2024	BARCLAYS PLC	reduced	-37.96	-163,000	147,000	-%
May 15, 2024	Corton Capital Inc.	sold off	-100	-215,353	-	-%

Are Funds Buying or Selling ATLC?

Are funds buying ATLC calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own ATLC

No. of Funds

ATLC Alerts

1 major insider buys recently.

Unveiling Atlanticus Holdings Corp's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Sep 15, 2023	howard jeffrey a.	4.2%	608,700	SC 13D/A
Dec 09, 2022	hanna david g	45.3%	8,362,171	SC 13D/A
Nov 16, 2022	hanna frank j iii	23.1%	4,263,432	SC 13D/A
Nov 16, 2022	hanna david g	45.3%	8,362,171	SC 13D/A
Feb 16, 2022	hanna david g	46.2%	8,625,269	SC 13D/A
Feb 03, 2022	jpmorgan chase & co	0.03%	5,500	SC 13G/A
Feb 12, 2021	jpmorgan chase & co	5.1%	815,933	SC 13G
Apr 03, 2020	mccamey william	5.1%	839,049	SC 13D
Apr 03, 2020	aristeia capital llc	0%	0	SC 13G/A
Feb 21, 2020	hanna david g	43.6%	9,098,072	SC 13D/A

Recent SEC filings of Atlanticus Holdings Corp

View All Filings

Date Filed	Form Type	Document
May 13, 2024	8-K	Current Report
May 10, 2024	10-Q	Quarterly Report
May 10, 2024	S-3	S-3
Apr 16, 2024	ARS	ARS
Apr 15, 2024	DEF 14A	DEF 14A
Apr 11, 2024	4	Insider Trading
Apr 05, 2024	8-K	Current Report
Mar 19, 2024	4	Insider Trading
Mar 15, 2024	4	Insider Trading
Mar 15, 2024	4	Insider Trading

Peers (Alternatives to Atlanticus Holdings Corp)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
MA	429.6B	25.7B	0.06%	17.45%	36.27	16.72	12.62%	22.62%
AXP	174.7B	62.0B	11.59%	58.26%	19.42	2.82	11.96%	24.39%
PYPL	67.4B	30.4B	1.93%	5.24%	15.54	2.22	8.39%	60.41%
COF	54.2B	43.4B	3.71%	42.95%	13.96	1.25	26.76%	-52.19%
DFS	31.4B	17.8B	4.61%	24.66%	13.9	1.76	38.72%	-44.91%
ALLY	12.2B	14.3B	10.64%	47.10%	14.22	0.86	22.92%	-37.74%
MID-CAP
CACC	6.0B	2.0B	-6.68%	13.52%	23.99	3.08	6.86%	-40.40%
FCFS	5.3B	3.2B	-9.34%	13.89%	22.91	1.66	13.90%	-14.51%
WU	4.4B	4.4B	2.66%	5.54%	7.21	1.02	0.29%	-19.79%
NNI	4.1B	1.1B	17.27%	16.15%	29.63	3.68	26.09%	-44.07%
SMALL-CAP
ENVA	1.7B	2.2B	5.37%	34.20%	9.77	0.75	22.40%	-16.16%
ATLC	357.4M	1.2B	-5.44%	-21.25%	3.48	0.3	9.96%	-11.98%
CPSS	181.0M	360.7M	1.53%	-18.77%	5.01	0.5	6.56%	-54.11%
AIHS	8.6M	7.3M	11.11%	2.26%	-2.23	1.18	-51.06%	-195.09%
CURO	2.5M	853.2M	-12.50%	-95.07%	-0.01	0	-15.13%	-1364.54%

Atlanticus Holdings Corp News

Latest updates

Atlanticus Holdings Corp Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Income Statement (Quarterly)																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Revenue	-5.9%	291	309	295	291	261	269	278	270	230	217	204	182	145	143	144	136	141	279	71.00	55.00	50.00
EBITDA Margin	1.5%	0.21*	0.21*	0.21*	0.21*	0.22*	0.23*	0.26*	0.29*	0.32*	0.37*	0.36*	0.38*	-	-	-	-	-	-	-	-	-
Interest Expenses	7.5%	35.00	33.00	28.00	24.00	24.00	24.00	22.00	19.00	17.00	16.00	12.00	14.00	12.00	13.00	13.00	12.00	14.00	14.00	13.00	12.00	11.00
Income Taxes	58.0%	7.00	4.00	7.00	7.00	8.00	6.00	7.00	9.00	-7.12	13.00	11.00	10.00	8.00	5.00	9.00	5.00	1.00	-0.41	3.00	2.00	0.00
Earnings Before Taxes	6.9%	33.00	31.00	32.00	32.00	34.00	30.00	39.00	43.00	38.00	63.00	58.00	47.00	52.00	31.00	48.00	28.00	7.00	2.00	16.00	7.00	6.00
EBT Margin	-3.5%	0.11*	0.11*	0.11*	0.12*	0.14*	0.14*	0.18*	0.22*	0.25*	0.29*	0.28*	0.29*	-	-	-	-	-	-	-	-	-
Net Income	-0.5%	26.00	26.00	25.00	25.00	26.00	24.00	33.00	34.00	45.00	50.00	47.00	37.00	44.00	27.00	39.00	23.00	5.00	2.00	13.00	5.00	6.00
Net Income Margin	-2.5%	0.09*	0.09*	0.09*	0.10*	0.11*	0.13*	0.16*	0.19*	0.21*	0.24*	0.23*	0.24*	-	-	-	-	-	-	-	-	-
Free Cashflow	-10.5%	119	133	117	108	102	102	93.00	72.00	81.00	73.00	15.00	72.00	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Assets	3.0%	2,787	2,706	2,597	2,455	2,375	2,388	2,252	2,116	1,922	1,944	1,483	1,420	1,199	1,207	1,041	944	972	936	792	710	636
Cash Equivalents	31.1%	445	339	356	343	390	385	353	316	373	410	167	266	203	178	149	139	177	135	43.00	63.00	101
Net PPE	-5.2%	11.00	11.00	12.00	13.00	12.00	10.00	7.00	7.00	7.00	7.00	1.00	2.00	2.00	2.00	3.00	3.00	3.00	3.00	3.00	3.00	3.00
Liabilities	2.8%	2,234	2,174	2,082	1,953	1,891	1,923	1,806	1,687	1,509	1,517	1,081	1,064	942	991	846	784	830	847	790	719	652
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	9.00	14.00	24.00	24.00	24.00	24.00	24.00	24.00	62.00	62.00
Shareholder's Equity	4.7%	413	395	377	361	345	326	306	289	273	287	262	216	118	77.00	56.00	21.00	3.00	0.00	2.00	-	-
Retained Earnings	6.5%	327	307	281	256	231	204	180	148	114	60.00	10.00	-36.72	-73.59	-117	-144	-183	-206	-211	-214	-227	-232
Additional Paid-In Capital	1.7%	89.00	87.00	96.00	108	116	122	127	142	160	228	252	254	192	195	201	205	210	213	214	215	215
Shares Outstanding	1.3%	15.00	15.00	15.00	14.00	15.00	14.00	14.00	15.00	15.00	15.00	15.00	17.00	-	-	-	-	-	-	-	-	-
Minority Interest	-22.0%	-2.75	-2.26	-2.23	-1.96	-1.68	-1.37	-1.18	-0.98	-0.75	-0.50	-0.74	-0.87	-0.82	-0.77	-0.73	-0.68	-0.63	-0.57	-0.51	-0.46	-0.40
Float	-	-	-	-	196	-	-	-	164	-	-	-	286	-	-	-	69.00	-	-	-	22.00	-

Cashflow (Last 12 Months)

(In Thousands)

Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Cashflow From Operations	-10.5%	118,796	132,667	116,863	108,089	101,698	101,990	93,034	71,857	80,749	72,970	14,875	71,741	52,780	64,960	63,815	49,012	34,947	29,730	30,504	9,744	29,985
Share Based Compensation	3.0%	940	913	908	1,031	931	940	930	1,186	1,111	916	1,092	687	545	403	303	281	368	432	840	28.00	412
Cashflow From Investing	68.0%	-67,535	-211,194	-219,598	-187,981	-53,430	-157,841	-170,333	-251,480	-102,631	-181,135	-134,054	-157,670	-2,163	-111,658	-113,463	-22,719	-44,735	-143,864	-148,265	-118,374	-23,186
Cashflow From Financing	-23.8%	47,389	62,159	108,351	39,786	-46,951	102,327	97,695	140,492	-79,259	400,015	219	176,151	-66,057	128,744	48,453	-51,149	36,337	178,371	84,867	87,882	17,600
Buy Backs	-88.3%	500	4,284	9,399	2,988	29.00	35.00	10,863	12,861	65,214	19,425	5,193	304	297	2,190	492	112	559	667	1,591	238	21.00

Get Full Access to Grufity – and Unlimited Downloads

Gain full access to fair value, watchlists, stock screener, unlimited page visits, and additional features by joining as a member today for just $1.99.

Try For Just $1.99

ATLC Income Statement

2024-03-31

Consolidated Statements of Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Revenue:
Consumer loans, including past due fees	$ 230,374	$ 209,701
Fees and related income on earning assets	47,905	44,357
Other revenue	11,895	6,924
Total operating revenue	290,174	260,982
Other non-operating revenue	532	59
Total revenue	290,706	261,041
Interest expense	(35,063)	(24,234)
Provision for credit losses	(2,944)	(704)
Changes in fair value of loans	(159,171)	(149,822)
Net margin	93,528	86,281
Operating expenses:
Salaries and benefits	(13,312)	(10,604)
Card and loan servicing	(26,822)	(24,335)
Marketing and solicitation	(10,428)	(10,406)
Depreciation	(654)	(618)
Other	(9,491)	(6,236)
Total operating expenses	(60,707)	(52,199)
Income before income taxes	32,821	34,082
Income tax expense	(7,002)	(8,188)
Net income	25,819	25,894
Net loss attributable to noncontrolling interests	351	318
Net income attributable to controlling interests	26,170	26,212
Preferred stock and preferred unit dividends and discount accretion	(6,292)	(6,227)
Net income attributable to common shareholders	$ 19,878	$ 19,985
Net income attributable to common shareholders per common share—basic (in dollars per share)	$ 1.35	$ 1.38
Net income attributable to common shareholders per common share—diluted (in dollars per share)	$ 1.09	$ 1.08

ATLC Balance Sheet

2024-03-31

Consolidated Balance Sheets (Current Period Unaudited) - USD ($)
$ in Thousands

Mar. 31, 2024

Dec. 31, 2023

Assets

Unrestricted cash and cash equivalents

$ 444,809

$ 339,338

Restricted cash and cash equivalents

37,494

44,315

Loans, interest and fees receivable, at fair value

2,150,636

2,173,759

Loans at amortized cost

100,144

98,425

Property at cost, net of depreciation

10,855

11,445

Operating lease right-of-use assets

11,313

11,310

Prepaid expenses and other assets

31,964

27,853

Total assets

2,787,215

2,706,445

Liabilities

Accounts payable and accrued expenses

59,173

61,634

Operating lease liabilities

20,034

20,180

Notes Payable, net held by VIEs

1,862,518

1,861,685

Senior notes, net

199,028

144,453

Income tax liability

92,870

85,826

Total liabilities

2,233,623

2,173,778

Commitments and contingencies (Note 10)

Shareholders' Equity

Common stock, no par value, 150,000,000 shares authorized: 14,792,159 and 14,603,563 shares issued and outstanding at March 31, 2024 and December 31, 2023, respectively

Paid-in capital

88,883

87,415

Retained earnings

327,138

307,260

Total shareholders’ equity

416,021

394,675

Noncontrolling interests

(2,754)

(2,258)

Total equity

413,267

392,417

Total liabilities, shareholders' equity and temporary equity

2,787,215

2,706,445

Series A Preferred Stock [Member]

Liabilities

Series A preferred stock, 400,000 shares issued and outstanding (liquidation preference - $40.0 million) at March 31, 2024 and December 31, 2023 (Note 5) (1)

^[1]

40,000

Class B preferred units issued to noncontrolling interests (Note 5)

^[1]

40,000

Series B Preferred Stock [Member]

Liabilities

Series A preferred stock, 400,000 shares issued and outstanding (liquidation preference - $40.0 million) at March 31, 2024 and December 31, 2023 (Note 5) (1)

100,325

100,250

Class B preferred units issued to noncontrolling interests (Note 5)

100,325

100,250

Shareholders' Equity

Series B preferred stock, no par value, 3,300,704 shares issued and outstanding at March 31, 2024 (liquidation preference - $82.5 million); 3,256,561 shares issued and outstanding at December 31, 2023 (liquidation preference - $81.4 million) (1)

^[1]

$ 0

[1]	Both the Series A preferred stock and the Series B preferred stock have no par value and are part of the same aggregate 10,000,000 shares authorized.

About Atlanticus Holdings Corp

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, and home-improvements by partnering with retailers and service providers. This segment also 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. It also invests in and services portfolios of credit card receivables. The company was founded in 1996 and is headquartered in Atlanta, Georgia.

CEO	Mr. Jeffrey A. Howard
WEBSITE	atlanticus.com
INDUSTRY	Credit Services
EMPLOYEES	355

Atlanticus Holdings Corp Frequently Asked Questions

What is the ticker symbol for Atlanticus Holdings Corp? What does ATLC stand for in stocks?

ATLC is the stock ticker symbol of Atlanticus Holdings Corp. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Atlanticus Holdings Corp (ATLC)?

As of Fri May 17 2024, market cap of Atlanticus Holdings Corp is 357.38 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of ATLC stock?

You can check ATLC's fair value in chart for subscribers.

What is the fair value of ATLC stock?

You can check ATLC's fair value in chart for subscribers. The fair value of Atlanticus Holdings Corp is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Atlanticus Holdings Corp is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for ATLC so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Atlanticus Holdings Corp a good stock to buy?

The fair value guage provides a quick view whether ATLC is over valued or under valued. Whether Atlanticus Holdings Corp is cheap or expensive depends on the assumptions which impact Atlanticus Holdings Corp's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for ATLC.

What is Atlanticus Holdings Corp's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Fri May 17 2024, ATLC's PE ratio (Price to Earnings) is 3.48 and Price to Sales (PS) ratio is 0.3. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. ATLC PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on Atlanticus Holdings Corp's stock?

In the past 10 years, Atlanticus Holdings Corp has provided 0.234 (multiply by 100 for percentage) rate of return.