Stock ATLC ATLANTICUS HOLDINGS CORPORATION
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Financials Atlanticus Holdings Corporation

Equities

ATLC

US04914Y1029

Consumer Lending

Market Closed - Nasdaq
Other stock markets
 04:00:00 2024-05-31 pm EDT 		5-day change 1st Jan Change
25.7 USD -1.31% Intraday chart for Atlanticus Holdings Corporation +0.86% -33.54%
May. 22 Keefe Bruyette & Woods Starts Atlanticus Holdings With Market Perform Rating, $33 Price Target MT
May. 10 Atlanticus Holdings Corporation Reports Earnings Results for the First Quarter Ended March 31, 2024 CI

Valuation

Fiscal Period: December 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 357.2 1,076 378.5 566.6 380.2 - -
Enterprise Value (EV) 1 357.2 1,076 378.5 566.6 380.2 380.2 380.2
P/E ratio 6.24 x 9.43 x 4.49 x 9.12 x 5.61 x 4.31 x 3.1 x
Yield - - - - - - -
Capitalization / Revenue - 1.44 x 0.36 x 0.49 x 0.3 x 0.27 x 0.27 x
EV / Revenue - 1.44 x 0.36 x 0.49 x 0.3 x 0.27 x 0.27 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book - 3.22 x 1.16 x - 0.77 x 0.62 x -
Nbr of stocks (in thousands) 14,503 15,094 14,445 14,651 14,792 - -
Reference price 2 24.63 71.32 26.20 38.67 25.70 25.70 25.70
Announcement Date 3/31/21 3/15/22 3/15/23 3/4/24 - - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2020 2021 2022 2023 2024 2025 2026
Net sales 1 - 748.1 1,047 1,155 1,263 1,421 1,419
EBITDA - - - - - - -
EBIT - - - - - - -
Operating Margin - - - - - - -
Earnings before Tax (EBT) 1 - 219.6 149.3 128.6 135.5 166.7 187.7
Net income 1 94.12 155.5 110.5 77.65 83.44 107.7 133.4
Net margin - 20.79% 10.56% 6.72% 6.61% 7.57% 9.4%
EPS 2 3.950 7.560 5.830 4.240 4.580 5.960 8.280
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share - - - - - - -
Announcement Date 3/31/21 3/15/22 3/15/23 3/4/24 - - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1 2025 Q2
Net sales 1 217.3 229.8 270 278 269.1 261 290.8 294.9 308.5 290.7 309 324.6 338.6 337 345.7
EBITDA - - - - - - - - - - - - - - -
EBIT - - - - - - - - - - - - - - -
Operating Margin - - - - - - - - - - - - - - -
Earnings before Tax (EBT) 1 62.96 37.63 42.54 39.32 29.78 34.08 32.01 31.76 30.7 32.82 30.02 35.51 37.13 40.76 40.94
Net income 1 43.67 38.8 27.77 26.28 17.67 19.98 18.8 18.9 19.96 19.88 17.92 22.2 23.46 26.5 26.66
Net margin 20.1% 16.88% 10.28% 9.45% 6.57% 7.66% 6.46% 6.41% 6.47% 6.84% 5.8% 6.84% 6.93% 7.86% 7.71%
EPS 2 2.130 1.960 1.460 1.410 0.9800 1.080 1.020 1.030 1.110 1.090 0.9840 1.216 1.288 1.400 1.424
Dividend per Share - - - - - - - - - - - - - - -
Announcement Date 3/15/22 5/10/22 8/9/22 11/8/22 3/15/23 5/9/23 8/9/23 11/8/23 3/4/24 5/10/24 - - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) - 69.9% - - 22.7% 24.2% -
ROA (Net income/ Total Assets) - 9.87% - - 2.85% 3.34% -
Assets 1 - 1,576 - - 2,928 3,223 -
Book Value Per Share 2 - 22.20 22.60 - 33.20 41.20 -
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 3/31/21 3/15/22 3/15/23 3/4/24 - - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Ratings for Atlanticus Holdings Corporation

Trading Rating
Investor Rating
ESG Refinitiv
C-
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
5
Last Close Price
25.7 USD
Average target price
38.6 USD
Spread / Average Target
+50.19%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

Sector Consumer Leasing

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Consumer Leasing
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