ATLC:NSD-Atlanticus Holdings Corporation (USD)

COMMON STOCK | Credit Services | NSD

Last Closing Price

USD 48.41

Change

-0.89 (-1.81)%

Market Cap

USD 0.80B

Volume

0.09M

Avg Analyst Target

USD 61.50 (+27.04%)

Avg User Target

USD
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

Atlanticus Holdings Corporation provides credit and related financial services and products to customers 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 private label and general purpose credit cards originated by lenders through various channels, including retail point-of-sale, direct mail solicitation, online, 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. The company was formerly known as CompuCredit Holdings Corporation and changed its name to Atlanticus Holdings Corporation in November 2012. Atlanticus Holdings Corporation was founded in 1996 and is headquartered in Atlanta, Georgia. Address: Five Concourse Parkway, Atlanta, GA, United States, 30328

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-09-20 )

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QFIN 360 DigiTech Inc

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PRAA PRA Group Inc

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WRLD World Acceptance Corporation

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OCSL Oaktree Specialty Lending Corp..

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ETFs Containing ATLC

Symbol Name Weight Mer Price(Change) Market Cap
DWMC AdvisorShares Trust - Adv.. 0.00 % 1.32 %

-1.52 (-4.09%)

USD8.90M

Market Performance

  Market Performance vs.
Industry/Classification (Credit Services)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 96.55% 88% B+ 94% A
Dividend Return N/A N/A N/A N/A N/A
Total Return 96.55% 88% B+ 94% A
Trailing 12 Months  
Capital Gain 263.98% 92% A- 96% A
Dividend Return N/A N/A N/A N/A N/A
Total Return 263.98% 92% A- 96% A
Trailing 5 Years  
Capital Gain 1,492.43% 100% A+ 97% A+
Dividend Return N/A N/A N/A N/A N/A
Total Return 1,492.43% 100% A+ 97% A+
Average Annual (5 Year Horizon)  
Capital Gain 110.96% 96% A 94% A
Dividend Return N/A N/A N/A N/A N/A
Total Return 110.96% 96% A 94% A
Risk Return Profile  
Volatility (Standard Deviation) 122.68% 16% F 13% F
Risk Adjusted Return 90.45% 96% A 90% A-
Market Capitalization 0.80B 54% F 62% D-
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Credit Services)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 7.70 54% F 78% C+
Price/Book Ratio 3.75 23% F 38% F
Price / Cash Flow Ratio 3.76 54% F 50% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 56.64% 83% B 97% A+
Return on Invested Capital 7.98% 58% F 74% C
Return on Assets 12.38% 85% B 95% A
Debt to Equity Ratio 780.98% 8% F 2% F
Technical Ratios  
Short Ratio 1.70 54% F 68% D+
Short Percent 2.30% 44% F 56% F
Beta 1.08 68% D+ 54% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Ratings

Target Price Action Rating Action Analyst Rating Price Date

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User / Independent Analyst Ratings

User Name Target Rating Target Horizon (Months) Target Price User Analysis Date Comment

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Superior risk adjusted returns

This stock has performed well, on a risk adjusted basis, compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile.

Superior return on equity

The company management has delivered better return on equity in the most recent 4 quarters then its peers, placing it in the top quartile.

Superior return on assets

The company management has delivered better return on assets in the most recent 4 quarters than its peers, placing it in the top quartile.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

Superior Earnings Growth

This stock has shown top quartile earnings growth in the previous 5 years compared to its sector.

Superior Revenue Growth

This stock has shown top quartile revenue growth in the previous 5 years compared to its sector.

High Gross Profit to Asset Ratio

This stock is in the top quartile compared to its peers on Gross Profit to Asset Ratio. This is a popular measure among value investors for showing superior returns in the long run.

What to not like:
High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Highly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.