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

24.57USD+0.31 (+1.28%)Market Closed

Market Summary

USD24.57+0.31

Market Closed

1.28%

ATLC Alerts

1 major insider buys recently.

ATLC Stock Price

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ATLC RSI Chart

ATLC Valuation

Market Cap

359.1M

Price/Earnings (Trailing)

3.49

Price/Sales (Trailing)

0.31

EV/EBITDA

0.08

Price/Free Cashflow

0.78

ATLC Price/Sales (Trailing)

ATLC Profitability

EBT Margin

11.12%

Return on Equity

26.06%

Return on Assets

3.8%

Free Cashflow Yield

127.93%

ATLC Fundamentals

ATLC Revenue

Revenue (TTM)

1.2B

Rev. Growth (Yr)

14.86%

Rev. Growth (Qtr)

4.81%

ATLC Earnings

Earnings (TTM)

102.8M

Earnings Growth (Yr)

9.64%

Earnings Growth (Qtr)

4.22%

Breaking Down ATLC Revenue

Last 7 days

-7.1%

Last 30 days

-19.4%

Last 90 days

-29.0%

Trailing 12 Months

-15%

How does ATLC drawdown profile look like?

ATLC Financial Health

ATLC Investor Care

Shares Dilution (1Y)

0.98%

Diluted EPS (TTM)

4.24

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
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
Apr 23, 2024	AMALGAMATED BANK	reduced	-60.51	-12,000	5,000	-%
Apr 22, 2024	MetLife Investment Management, LLC	unchanged	-	20,916	96,752	-%
Apr 19, 2024	Westside Investment Management, Inc.	unchanged	-	-11,350	36,988	0.01%
Apr 19, 2024	DENALI ADVISORS LLC	added	5.19	-186,752	770,524	0.23%
Apr 05, 2024	GAMMA Investing LLC	unchanged	-	-142	829	-%
Apr 05, 2024	CWM, LLC	added	0.07	-14,000	45,000	-%
Apr 05, 2024	LOS ANGELES CAPITAL MANAGEMENT LLC	reduced	-11.95	-458,915	947,590	-%
Mar 11, 2024	VANGUARD GROUP INC	added	0.51	2,181,380	9,908,640	-%
Feb 28, 2024	AMERICAN INTERNATIONAL GROUP, INC.	reduced	-1.43	18,044	88,090	-%
Feb 16, 2024	PRICE T ROWE ASSOCIATES INC /MD/	new	-	204,000	204,000	-%

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
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
Mar 15, 2024	4	Insider Trading
Mar 13, 2024	4	Insider Trading
Mar 12, 2024	144	Notice of Insider Sale Intent

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	436.4B	25.1B	-3.94%	23.48%	38.98	17.39	12.87%	12.74%
AXP	166.1B	62.0B	5.73%	48.77%	18.47	2.68	11.96%	24.39%
PYPL	69.5B	29.8B	-0.52%	-13.27%	16.37	2.33	8.19%	75.53%
COF	56.6B	41.9B	4.77%	53.52%	11.47	1.35	34.26%	32.87%
DFS	32.3B	17.8B	2.85%	23.78%	10.94	1.81	38.72%	-32.51%
ALLY	12.1B	14.0B	1.09%	52.13%	11.85	0.87	31.42%	-40.49%
MID-CAP
CACC	6.4B	1.9B	-5.75%	5.72%	22.5	3.38	3.79%	-46.60%
FCFS	6.0B	3.2B	9.05%	37.25%	27.16	1.89	15.50%	-13.49%
WU	4.7B	4.4B	-2.33%	23.16%	7.43	1.07	-2.65%	-31.25%
NNI	3.6B	1.1B	4.38%	0.14%	38.81	3.2	8.54%	-77.53%
SMALL-CAP
ENVA	1.8B	2.1B	5.46%	32.39%	10.23	0.85	21.98%	-15.57%
ATLC	359.1M	1.2B	-19.43%	-15.00%	3.49	0.31	10.41%	-24.15%
CPSS	186.8M	352.0M	12.37%	-11.23%	4.12	0.53	6.77%	-47.27%
AIHS	7.8M	7.3M	-10.00%	-11.33%	-2.03	1.07	-51.06%	-195.09%
CURO	3.7M	853.2M	-40.00%	-95.05%	-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	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Revenue	4.8%	309	295	291	261	269	278	270	230	217	204	182	145	143	144	136	141	279	71.00	55.00	50.00	46.00
EBITDA Margin	0.7%	0.21*	0.21*	0.21*	0.22*	0.23*	0.26*	0.29*	0.32*	0.37*	0.36*	0.38*	0.38*	0.31*	-	-	-	-	-	-	-	-
Interest Expenses	15.4%	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	11.00
Income Taxes	-34.7%	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	1.00
Earnings Before Taxes	-3.3%	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	24.00
EBT Margin	-2.8%	0.11*	0.11*	0.12*	0.14*	0.14*	0.18*	0.22*	0.25*	0.29*	0.28*	0.29*	0.28*	0.20*	-	-	-	-	-	-	-	-
Net Income	4.2%	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	23.00
Net Income Margin	-1.2%	0.09*	0.09*	0.10*	0.11*	0.13*	0.16*	0.19*	0.21*	0.24*	0.23*	0.24*	0.23*	0.17*	-	-	-	-	-	-	-	-
Free Cashflow	13.5%	133	117	108	102	100	93.00	72.00	81.00	73.00	15.00	72.00	53.00	65.00	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Assets	4.2%	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	583
Cash Equivalents	-4.6%	339	356	343	390	385	353	316	373	410	167	266	203	178	149	139	177	135	43.00	63.00	101	61.00
Net PPE	-4.7%	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	4.00
Liabilities	4.4%	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	605
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	9.00	14.00	24.00	24.00	24.00	24.00	24.00	24.00	62.00	62.00	62.00
Shareholder's Equity	4.7%	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	9.4%	307	281	256	231	204	180	148	114	60.00	10.00	-36.72	-73.59	-117	-144	-183	-206	-211	-214	-227	-232	-238
Additional Paid-In Capital	-8.8%	87.00	96.00	108	116	122	127	142	160	228	252	254	192	195	201	205	210	213	214	215	215	213
Shares Outstanding	-0.3%	15.00	15.00	14.00	15.00	14.00	14.00	15.00	15.00	15.00	15.00	17.00	17.00	-	-	-	-	-	-	-	-	-
Minority Interest	-1.4%	-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	-0.34
Float	-	-	-	196	-	-	-	164	-	-	-	286	-	-	-	69.00	-	-	-	22.00	-	-

Cashflow (Last 12 Months)

(In Thousands)

Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Cashflow From Operations	13.5%	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	44,507
Share Based Compensation	0.6%	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	615
Cashflow From Investing	3.8%	-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	-59,257
Cashflow From Financing	-42.6%	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	96,582
Buy Backs	-54.4%	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	6.00

ATLC Income Statement

2023-12-31

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
Consolidated Statements of Income - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Revenue:
Consumer loans, including past due fees	$ 879,123	$ 786,235
Fees and related income on earning assets	238,775	217,071
Other revenue	37,348	42,798
Total operating revenue, net	1,155,246	1,046,104
Other non-operating revenue	630	809
Total revenue	1,155,876	1,046,913
Interest expense	(109,342)	(81,851)
Provision for credit losses	(2,152)	(1,252)
Changes in fair value of loans	(689,577)	(577,069)
Net margin	354,805	386,741
Operating expenses:
Salaries and benefits	43,906	43,063
Card and loan servicing	100,620	95,428
Marketing and solicitation	52,421	62,403
Depreciation	2,560	2,175
Other	26,740	34,400
Total operating expenses	226,247	237,469
Income before income taxes	128,558	149,272
Income tax expense	(26,604)	(14,660)
Net income	101,954	134,612
Net loss attributable to noncontrolling interests	891	985
Net income attributable to controlling interests	102,845	135,597
Preferred stock and preferred unit dividends and discount accretion	(25,198)	(25,076)
Net income attributable to common shareholders	$ 77,647	$ 110,521
Net income attributable to common shareholders per common share—basic (in dollars per share)	$ 5.35	$ 7.55
Net income attributable to common shareholders per common share—diluted (in dollars per share)	$ 4.24	$ 5.83

ATLC Balance Sheet

2023-12-31

Consolidated Balance Sheets - USD ($)
$ in Thousands

Dec. 31, 2023

Dec. 31, 2022

Assets

Unrestricted cash and cash equivalents

$ 339,338

$ 384,984

Restricted cash and cash equivalents

44,315

48,208

Loans, interest and fees receivable:

Loans, interest and fees receivable, at fair value

2,173,759

1,817,976

Loans at amortized cost

118,045

105,267

Allowances for credit losses

(1,759)

(1,643)

Deferred revenue

(17,861)

(16,190)

Net loans, interest and fees receivable

2,272,184

1,905,410

Property at cost, net of depreciation

11,445

10,013

Operating lease right-of-use assets

11,310

11,782

Prepaid expenses and other assets

27,853

27,417

Total assets

2,706,445

2,387,814

Liabilities

Accounts payable and accrued expenses

61,634

44,332

Operating lease liabilities

20,180

20,112

Notes Payable, net held by VIEs

1,861,685

1,653,306

Senior notes, net

144,453

144,385

Income tax liability

85,826

60,689

Total liabilities

2,173,778

1,922,824

Commitments and contingencies (Note 11)

Shareholders' Equity

Common stock, no par value, 150,000,000 shares authorized: 14,603,563 and 14,453,415 shares issued and outstanding at December 31, 2023 and December 31, 2022, respectively

Paid-in capital

87,415

121,996

Retained earnings

307,260

204,415

Total shareholders’ equity

394,675

326,411

Noncontrolling interests

(2,258)

(1,371)

Total equity

392,417

325,040

Total liabilities, shareholders' equity and temporary equity

2,706,445

2,387,814

Series A Preferred Stock [Member]

Liabilities

Series A preferred stock, 400,000 shares issued and outstanding at December 31, 2023 (liquidation preference - $40.0 million); 400,000 shares issued and outstanding at December 31, 2022 (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 at December 31, 2023 (liquidation preference - $40.0 million); 400,000 shares issued and outstanding at December 31, 2022 (Note 5) (1)

100,250

99,950

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

100,250

99,950

Shareholders' Equity

Series B preferred stock, no par value, 3,256,561 shares issued and outstanding at December 31, 2023 (liquidation preference - $81.4 million); 3,204,640 shares issued and outstanding at December 31, 2022 (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 Tue Apr 23 2024, market cap of Atlanticus Holdings Corp is 354.52 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 Tue Apr 23 2024, ATLC's PE ratio (Price to Earnings) is 3.45 and Price to Sales (PS) ratio is 0.31. 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 0.261 (multiply by 100 for percentage) rate of return.