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General information

Country: UNITED STATES

Sector: Credit Services

Atlanticus Holdings Corporation provides credit and related financial services and products to financially underserved consumer credit market in the United States. It operates in two segments, Credit and Other Investments, and Auto Finance. The Credit and Other Investments segment originates a range of consumer loan products, such as retail credit and credit cards through various channels, including retail point-of-sale, 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. This segment also invests in and services portfolios of credit card receivables. 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...
Website: atlanticus.com


Growth: Good revenue growth rate 11.5%, there is slowdown compared to average historical growth rates 67.8%. The revenue growth dynamics is moderately stable

Profitability: LTM net profit margin is positive, +8.6%. On average the margin is decreasing unsteadily. Gross margin is high, +90.6%. In the last quarter the company beat the estimated EPS, +16.1%. The company was ahead of estimated EPS in 60% of quarters (showing a gain of -$0.10 per share on average)

Cash Flow Generation: Dividend yield for the last twelve months 0.0%.

Undervaluation: Fundamental value created in LTM (estimate)


Entry Point: Share price is 24.1% higher than minimum and 68.9% lower than maximum for the last 3 years

AI Insight: the companies with similar growth trajectories, Net Income margin, industries and geography on average are valued 4.6x by P / Sales multiple , the company can be >100% undervalued

Insiders: For the last 3 months insiders bought company shares on $7.4 mln (1.720% of cap.)

Key Financials (Download financials)

Ticker: ATLC
Share price, USD:  (0.0%)27.2
year average price 33.28  


year start price 28.83 2023-05-17

max close price 42.97 2023-06-15

min close price 23.45 2024-04-22

current price 27.20 2024-05-15
Common stocks: 15 187 211
Dividend Yield:  0.0%
P / E LTM: 4.0x
P / E annualized: 4.0x
Last revenue growth (y/y):  11.5%
Last growth of Net Income (y/y):  0.0%
Historical revenue growth:  67.8%
Historical growth of Net Income:  8.8%
P / Sales: 0.3x
Margin (Net Income LTM / Revenue): 8.6%
Fundamental value created in LTM:
Market Cap ($m): 413
Price to Book: 0.9x

Revenue and Net Income

Quarterly values ($m)

Change (y/y)

Share price and dividends (Download history)

Share price

Payment USD per share

Multiple and potential

EV / Sales

Potential dynamics