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Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 ATLCZ

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Price alert · ATLCZ

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25.09 USD +0.02 (+0.06%)

Regular-session close

25.04 -0.05 -0.20%

After hours · Nov 13, 4:00 PM ET

25.00 Day range 25.14
24.93 52-week range 25.80
YTD
-0.71%
1 year
-2.03%

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Discounted cash flow estimates against the price, and the P/E against its industry and sector.

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Included in Essentials and up

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Employees by annual report and the cash the business earns for its owners.

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Financial health

Altman Z-Score

-0.24 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

8 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

Rating

A-4 / 5 overall

  • DCF 5
  • Return on Equity 5
  • Return on Assets 4
  • Debt / Equity 1
  • P/E 4
  • P/B 1

Valuation

P/E 9.1×
FY 2016: -6.2×FY 2017: -0.8×FY 2018: 6.5×FY 2019: 5.2×FY 2020: 4.6×FY 2021: 6.9×FY 2022: 3.5×FY 2023: 7.2×FY 2024: 9.4×FY 2025: 9.1×
FY 2016 5y median 7.2× FY 2025
P/S 1.4×
FY 2016: 0.5×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.9×FY 2021: 2.4×FY 2022: 1.0×FY 2023: 1.5×FY 2024: 1.8×FY 2025: 1.4×
FY 2016 5y median 1.5× FY 2025
P/B 1.7×
FY 2016: 6.8×FY 2017: -0.9×FY 2018: -2.3×FY 2019: 144×FY 2020: 4.6×FY 2021: 3.7×FY 2022: 1.2×FY 2023: 1.4×FY 2024: 1.7×FY 2025: 1.7×
FY 2016 5y median 1.7× FY 2025
P/FCF 1.6×
FY 2016: 1.0×FY 2017: -1.2×FY 2018: 1.2×FY 2019: 1.3×FY 2020: 1.7×FY 2021: 5.2×FY 2022: 1.1×FY 2023: 1.2×FY 2024: 1.8×FY 2025: 1.6×
FY 2016 5y median 1.6× FY 2025
EV/EBITDA 40.9×
FY 2016: -44.5×FY 2017: -7.1×FY 2018: 109×FY 2019: 20.1×FY 2020: 9.0×FY 2021: 9.4×FY 2022: 11.8×FY 2023: 17.0×FY 2024: 20.5×FY 2025: 40.9×
FY 2016 5y median 17.0× FY 2025
EV/Sales 9.8×
FY 2016: 2.9×FY 2017: 3.3×FY 2018: 2.5×FY 2019: 1.9×FY 2020: 2.8×FY 2021: 4.6×FY 2022: 4.9×FY 2023: 6.1×FY 2024: 6.4×FY 2025: 9.8×
FY 2016 5y median 6.1× FY 2025
FCF Yield 62.5%
FY 2016: 98.2%FY 2017: -80.4%FY 2018: 81.8%FY 2019: 76.3%FY 2020: 59.4%FY 2021: 19.1%FY 2022: 89.0%FY 2023: 81.2%FY 2024: 56.8%FY 2025: 62.5%
FY 2016 5y median 62.5% FY 2025

Profitability

Gross Margin 56.3%
FY 2016: 31.7%FY 2017: 4.5%FY 2018: 28.3%FY 2019: 26.7%FY 2020: 50.4%FY 2021: 80.0%FY 2022: 77.8%FY 2023: 69.5%FY 2024: 61.6%FY 2025: 56.3%
FY 2016 5y median 69.5% FY 2025
Operating Margin 22.7%
FY 2016: -16.3%FY 2017: -47.1%FY 2018: 1.8%FY 2019: 7.8%FY 2020: 29.2%FY 2021: 48.4%FY 2022: 39.9%FY 2023: 35.2%FY 2024: 30.2%FY 2025: 22.7%
FY 2016 5y median 35.2% FY 2025
Net Margin 17.3%
FY 2016: -8.3%FY 2017: -40.6%FY 2018: 4.1%FY 2019: 6.5%FY 2020: 24.0%FY 2021: 39.2%FY 2022: 36.2%FY 2023: 28.1%FY 2024: 24.2%FY 2025: 17.3%
FY 2016 5y median 28.1% FY 2025
ROE 20.1%
FY 2016: -109.5%FY 2017: 113.2%FY 2018: -36.1%FY 2019: 2918.7%FY 2020: 121.8%FY 2021: 61.8%FY 2022: 41.5%FY 2023: 26.1%FY 2024: 22.6%FY 2025: 20.1%
FY 2016 5y median 26.1% FY 2025
ROIC 1.7%
FY 2016: -3.4%FY 2017: -13.2%FY 2018: 0.7%FY 2019: 2.9%FY 2020: 8.1%FY 2021: 9.3%FY 2022: 5.7%FY 2023: 3.9%FY 2024: 3.4%FY 2025: 1.7%
FY 2016 5y median 3.9% FY 2025
ROA 1.6%
FY 2016: -1.7%FY 2017: -9.6%FY 2018: 1.3%FY 2019: 2.8%FY 2020: 7.8%FY 2021: 9.2%FY 2022: 5.7%FY 2023: 3.8%FY 2024: 3.4%FY 2025: 1.6%
FY 2016 5y median 3.8% FY 2025

Growth (YoY)

Revenue 53.3%
FY 2016: -16.0%FY 2017: 32.3%FY 2018: 91.4%FY 2019: 112.2%FY 2020: -3.9%FY 2021: 15.9%FY 2022: -17.5%FY 2023: -2.3%FY 2024: 25.7%FY 2025: 53.3%
FY 2016 FY 2025
Operating Income 15.3%
FY 2016: -449.5%FY 2017: -282.4%FY 2018: 107.4%FY 2019: 812.2%FY 2020: 260.1%FY 2021: 91.9%FY 2022: -32.0%FY 2023: -13.9%FY 2024: 7.8%FY 2025: 15.3%
FY 2016 FY 2025
EPS (diluted) 24.9%
FY 2016: -475.0%FY 2017: -551.1%FY 2018: 119.1%FY 2019: 196.4%FY 2020: 138.0%FY 2021: 91.4%FY 2022: -22.9%FY 2023: -27.3%FY 2024: 12.5%FY 2025: 24.9%
FY 2016 FY 2025
Free Cash Flow 35.4%
FY 2016: 193430.0%FY 2017: -169.5%FY 2018: 254.4%FY 2019: 140.4%FY 2020: 112.6%FY 2021: -3.2%FY 2022: 66.3%FY 2023: 33.4%FY 2024: 2.7%FY 2025: 35.4%
FY 2016 FY 2025

Financial Health

Current Ratio 1.8×
FY 2016: 1.9×FY 2017: 3.4×FY 2018: 4.7×FY 2019: 3.6×FY 2020: 4.6×FY 2021: 10.1×FY 2022: 9.3×FY 2023: 5.5×FY 2024: 5.2×FY 2025: 1.8×
FY 2016 5y median 5.5× FY 2025
Quick Ratio 1.8×
FY 2016: 1.9×FY 2017: 3.4×FY 2018: 4.7×FY 2019: 3.6×FY 2020: 4.6×FY 2021: 10.1×FY 2022: 9.3×FY 2023: 5.5×FY 2024: 5.2×FY 2025: 1.8×
FY 2016 5y median 5.5× FY 2025
Debt / Equity 10.7×
FY 2016: 43.9×FY 2017: -9.3×FY 2018: -22.9×FY 2019: 882×FY 2020: 12.0×FY 2021: 5.0×FY 2022: 5.6×FY 2023: 5.1×FY 2024: 5.1×FY 2025: 10.7×
FY 2016 5y median 5.1× FY 2025
Net Debt / EBITDA 34.9×
FY 2016: -36.4×FY 2017: -6.4×FY 2018: 97.9×FY 2019: 16.8×FY 2020: 6.1×FY 2021: 4.6×FY 2022: 9.3×FY 2023: 12.7×FY 2024: 14.8×FY 2025: 34.9×
FY 2016 5y median 12.7× FY 2025
Interest Coverage 0.5×
FY 2016: -0.6×FY 2017: -1.7×FY 2018: 0.1×FY 2019: 0.6×FY 2020: 2.2×FY 2021: 4.1×FY 2022: 1.8×FY 2023: 1.2×FY 2024: 0.9×FY 2025: 0.5×
FY 2016 5y median 1.2× FY 2025

Dividends

Dividend Yield 1.2%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 3.8%FY 2021: 2.0%FY 2022: 6.5%FY 2023: 4.4%FY 2024: 3.1%FY 2025: 1.2%
FY 2016 5y median 3.1% FY 2025
Payout Ratio 10.2%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 14.4%FY 2021: 12.3%FY 2022: 18.3%FY 2023: 24.2%FY 2024: 23.1%FY 2025: 10.2%
FY 2016 5y median 18.3% FY 2025

Annual · latest fiscal year ends 2025-12-31