Atlanticus Holdings Statistics

Total Valuation

ATLC has a market cap or net worth of $809.25 million. The enterprise value is $2.95 billion.

Market Cap	809.25M
Enterprise Value	2.95B

Important Dates

The next estimated earnings date is Thursday, August 7, 2025, after market close.

Earnings Date	Aug 7, 2025
Ex-Dividend Date	n/a

Share Statistics

ATLC has 15.13 million shares outstanding. The number of shares has increased by 0.52% in one year.

Current Share Class	15.13M
Shares Outstanding	15.13M
Shares Change (YoY)	+0.52%
Shares Change (QoQ)	+3.62%
Owned by Insiders (%)	63.33%
Owned by Institutions (%)	19.94%
Float	5.28M

Valuation Ratios

The trailing PE ratio is 10.07 and the forward PE ratio is 8.19.

PE Ratio	10.07
Forward PE	8.19
PS Ratio	1.82
Forward PS	0.52
PB Ratio	1.48
P/TBV Ratio	1.50
P/FCF Ratio	1.68
P/OCF Ratio	1.66
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	30.90
EV / Sales	6.94
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	6.17

Financial Position

The company has a current ratio of 14.77, with a Debt / Equity ratio of 4.39.

Current Ratio	14.77
Quick Ratio	14.11
Debt / Equity	4.39
Debt / EBITDA	n/a
Debt / FCF	5.23
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 20.56%.

Return on Equity (ROE)	20.56%
Return on Assets (ROA)	3.81%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$1.02M
Profits Per Employee	$228,863
Employee Count	417
Asset Turnover	0.14
Inventory Turnover	n/a

Taxes

In the past 12 months, ATLC has paid $31.22 million in taxes.

Income Tax	31.22M
Effective Tax Rate	21.29%

Stock Price Statistics

The stock price has increased by +104.12% in the last 52 weeks. The beta is 1.84, so ATLC's price volatility has been higher than the market average.

Beta (5Y)	1.84
52-Week Price Change	+104.12%
50-Day Moving Average	52.29
200-Day Moving Average	49.91
Relative Strength Index (RSI)	57.51
Average Volume (20 Days)	54,687

Short Selling Information

The latest short interest is 272,322, so 1.80% of the outstanding shares have been sold short.

Short Interest	272,322
Short Previous Month	244,563
Short % of Shares Out	1.80%
Short % of Float	5.15%
Short Ratio (days to cover)	5.42

Income Statement

In the last 12 months, ATLC had revenue of $424.88 million and earned $95.44 million in profits. Earnings per share was $5.17.

Revenue	424.88M
Gross Profit	301.15M
Operating Income	145.37M
Pretax Income	124.69M
Net Income	95.44M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$5.17

Full Income Statement

Balance Sheet

The company has $350.39 million in cash and $2.50 billion in debt, giving a net cash position of -$2.15 billion or -$142.01 per share.

Cash & Cash Equivalents	350.39M
Total Debt	2.50B
Net Cash	-2.15B
Net Cash Per Share	-$142.01
Equity (Book Value)	568.85M
Book Value Per Share	35.29
Working Capital	3.03B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $482.18 million and capital expenditures -$4.40 million, giving a free cash flow of $477.78 million.

Operating Cash Flow	482.18M
Capital Expenditures	-4.40M
Free Cash Flow	477.78M
FCF Per Share	$31.59

Full Cash Flow Statement

Margins

Gross margin is 70.88%, with operating and profit margins of 34.22% and 27.45%.

Gross Margin	70.88%
Operating Margin	34.22%
Pretax Margin	34.51%
Profit Margin	27.45%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	112.45%

Dividends & Yields

ATLC does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	-0.52%
Shareholder Yield	n/a
Earnings Yield	11.91%
FCF Yield	59.62%

Dividend Details

Analyst Forecast

The average price target for ATLC is $62.00, which is 15.89% higher than the current price. The consensus rating is "Strong Buy".

Price Target	$62.00
Price Target Difference	15.89%
Analyst Consensus	Strong Buy
Analyst Count	5
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	5