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NASDAQ: ATLC
Atlanticus Holdings Corp Stock

$35.40-0.48 (-1.34%)
Updated Feb 3, 2023
ATLC Price
$35.40
Fair Value Price
$53.52
Market Cap
$511.36M
52 Week Low
$23.15
52 Week High
$72.38
P/E
3.84x
P/B
1.66x
P/S
0.9x
PEG
0.04x
Dividend Yield
N/A
Revenue
$420.26M
Earnings
$161.58M
Gross Margin
100%
Operating Margin
43.61%
Profit Margin
32.5%
Debt to Equity
5.88
Operating Cash Flow
$318M
Beta
1.28
Next Earnings
Mar 13, 2023
Ex-Dividend
N/A
Next Dividend
N/A

ATLC Overview

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.

Zen Score

Industry Average (29)
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Due Diligence Checks

ATLC ($35.40) is undervalued by 33.85% relative to our estimate of its Fair Value price of $53.52 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
ATLC ($35.40) is significantly undervalued by 33.85% relative to our estimate of its Fair Value price of $53.52 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
ATLC ($35.40) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
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ATLC News

Valuation

ATLC fair value

Fair Value of ATLC stock based on Discounted Cash Flow (DCF)
Price
$35.40
Fair Value
$53.52
Undervalued by
33.85%
ATLC ($35.40) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
ATLC ($35.40) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
ATLC ($35.40) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation

ATLC price to earnings (PE)

For valuing profitable companies with steady earnings
Company
3.84x
Industry
29.3x
Market
15.09x
ATLC is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
ATLC is good value based... subscribe to Premium to read more.
P/E vs Market Valuation

ATLC price to book (PB)

For valuing companies that are loss-making or have lots of physical asset
Company
1.66x
Industry
3.53x
ATLC is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation

ATLC price to earnings growth (PEG)

For valuing profitable companies with growth potential
ATLC is good value based... subscribe to Premium to read more.
PEG Value Valuation

ATLC's financial health

Profit margin

Revenue
$92.4M
Net Income
$32.6M
Profit Margin
28.4%
ATLC's Earnings (EBIT) of $183.27M... subscribe to Premium to read more.
Interest Coverage Financials
ATLC's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$2.3B
Liabilities
$1.8B
Debt to equity
5.88
ATLC's debt relative to shareholder... subscribe to Premium to read more.
Shrinking Debt Financials
ATLC's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials

Cash flow

Operating
$93.0M
Investing
-$170.3M
Financing
$97.7M
ATLC's operating cash flow ($318.01M)... subscribe to Premium to read more.
Debt Coverage Financials

ATLC vs Credit Service Stocks

TickerMarket Cap1d %P/EP/B
ATLC$511.36M-1.34%3.84x1.66x
EZPW$519.78M+3.43%10.26x0.74x
RWAY$524.79M+0.94%15.06x0.91x
LX$618.21M-3.93%6.06x0.53x
RM$362.73M+2.19%5.13x1.18x

Atlanticus Holdings Stock FAQ

What is Atlanticus Holdings's quote symbol?

NASDAQ: ATLC) Atlanticus Holdings trades on the NASDAQ under the ticker symbol ATLC. Atlanticus Holdings stock quotes can also be displayed as NASDAQ: ATLC.

If you're new to stock investing, here's how to buy Atlanticus Holdings stock.

What is the 52 week high and low for Atlanticus Holdings (NASDAQ: ATLC)?

(NASDAQ: ATLC) Atlanticus Holdings's 52-week high was $72.38, and its 52-week low was $23.15. It is currently -51.09% from its 52-week high and 52.92% from its 52-week low.

How much is Atlanticus Holdings stock worth today?

(NASDAQ: ATLC) Atlanticus Holdings currently has 14,445,295 outstanding shares. With Atlanticus Holdings stock trading at $35.40 per share, the total value of Atlanticus Holdings stock (market capitalization) is $511.36M.

Atlanticus Holdings stock was originally listed at a price of $14.38 in Apr 23, 1999. If you had invested in Atlanticus Holdings stock at $14.38, your return over the last 23 years would have been 146.18%, for an annualized return of 3.99% (not including any dividends or dividend reinvestments).

How much is Atlanticus Holdings's stock price per share?

(NASDAQ: ATLC) Atlanticus Holdings stock price per share is $35.40 today (as of Feb 3, 2023).

What is Atlanticus Holdings's Market Cap?

(NASDAQ: ATLC) Atlanticus Holdings's market cap is $511.36M, as of Feb 6, 2023.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

Atlanticus Holdings's market cap is calculated by multiplying ATLC's current stock price of $35.40 by ATLC's total outstanding shares of 14,445,295.
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