Atlanticus Holdings Corporation

ATLC

$96.71

+3.08%

N/A+$2.89

Financial Services

Financial - Credit Services

NASDAQ

Active Trading

Atlanticus Holdings Corporation, operating under the ticker ATLC, is a financial services enterprise providing a spectrum of credit and related financial solutions ...

Key Metrics of ATLC

Snapshot

Latest / TTM · 6 periods

Market Cap

$1.46B

ROCE

3.9%

EV / EBITDA

23.12x

+1.7% YoY

FCF Yield

64.1%

+1.5% YoY

Cash Conversion Cycle

0.0d

Current Ratio

14.90

Quick take

TTM —

No major risk flags in selected headline metrics.

Key Metrics

Latest / TTM · 6 periods

Valuation trend

Valuation trend table

Metric	2021	2022	2023	2024	2025	TTM
Market CapTotal market value of all shares outstanding.	$1.08B	$383.28M	$560.87M	$822.64M	$1.01B	$1.46B
Enterprise ValueCompany value including debt and cash adjustments.	$2.09B	$1.82B	$2.25B	$2.95B	$6.93B	$7.11B
EV / SalesHow many dollars investors pay per dollar of sales.	4.61x	4.85x	6.15x	6.42x	9.84x	4.29x
EV / EBITDAValuation multiple versus operating earnings before non-cash charges.	9.42x	11.78x	16.95x	20.54x	40.88x	23.12x
Net Debt / EBITDALeverage ratio using net debt divided by EBITDA.	4.58	9.30	12.72	14.81	34.91	18.37

Returns + ROCE gauge

ROCE latest

3.9%

Prev year 2.2%

Returns + ROCE gauge table

Metric	2021	2022	2023	2024	2025	TTM
ROEProfit generated from shareholders' equity.	61.8%	41.5%	26.1%	22.6%	20.1%	23.1%
ROAProfit generated from total assets.	9.2%	5.7%	3.8%	3.4%	1.6%	2.1%
ROICReturn generated on invested operating capital.	45.1%	34.5%	33.9%	33.6%	31.0%	34.0%
ROCEOperating return on long-term capital used.	11.5%	6.4%	4.9%	4.3%	2.2%	3.9%
Earnings YieldEarnings as a percentage of market value.	16.5%	35.4%	18.3%	13.5%	12.1%	10.5%

Cash flow quality

Cash flow quality table

Metric	2021	2022	2023	2024	2025	TTM
FCFFCash flow available to all capital providers.	$249.10M	$415.09M	$542.04M	$594.88M	$860.92M	$1.27B
FCFECash flow available to equity holders after debt flows.	$685.09M	$712.05M	$656.73M	$930.60M	$1.84B	$1.60B
FCF YieldFree cash flow divided by market capitalization.	19.1%	89.0%	81.2%	56.8%	62.5%	64.1%
Income QualityHow well accounting earnings are backed by cash flow.	1.19	2.57	4.47	4.22	5.29	6.12
Capex / OCFShare of operating cash flow spent on capital expenditures.	3.3%	1.4%	0.9%	0.4%	0.8%	0.1%

Operating efficiency

Operating efficiency table

Metric	2021	2022	2023	2024	2025	TTM
DSOAverage days to collect cash from customers.	0.0d	0.0d	0.0d	0.0d	0.0d	0.0d
DIOAverage days inventory stays before being sold.	0.0d	0.0d	0.0d	0.0d	0.0d	0.0d
DPOAverage days the company takes to pay suppliers.	170.4d	194.7d	201.8d	149.0d	337.0d	0.0d
Operating CycleTime from buying inventory to collecting receivables.	0.0d	0.0d	0.0d	0.0d	0.0d	0.0d
Cash Conversion CycleNet days cash is tied in operations.	-170.4d	-194.7d	-201.8d	-149.0d	-337.0d	0.0d

Snapshot

Latest / TTM: —

Market Cap

$1.46B

ROE

23.1%

FCF Yield

64.1%

Current Ratio

14.90

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