Atlanticus Holdings Co. 6.125% Senior Notes due 2026 (ATLCL) Financials

$24.17 +0.02 (+0.08%)

As of 04/25/2025 04:00 PM Eastern

Annual Income Statements for Atlanticus Holdings Co. 6.125% Senior Notes due 2026

This table shows Atlanticus Holdings Co. 6.125% Senior Notes due 2026's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2022	2023	2024
Net Income / (Loss) Attributable to Common Shareholders	111	78	87
Consolidated Net Income / (Loss)	135	102	110
Net Income / (Loss) Continuing Operations	135	102	110
Total Pre-Tax Income	149	129	139
Total Revenue	387	356	416
Net Interest Income / (Expense)	747	807	880
Total Interest Income	829	916	1,040
Loans and Leases Interest Income	786	879	980
Other Interest Income	43	37	60
Total Interest Expense	82	109	160
Long-Term Debt Interest Expense	82	109	160
Total Non-Interest Income	-360	-451	-464
Other Service Charges	217	239	270
Other Non-Interest Income	-577	-690	-733
Provision for Credit Losses	1.25	2.15	16
Total Non-Interest Expense	237	226	263
Salaries and Employee Benefits	43	44	50
Marketing Expense	62	52	56
Other Operating Expenses	130	127	154
Depreciation Expense	2.18	2.56	2.72
Nonoperating Income / (Expense), net	0.81	0.63	1.49
Income Tax Expense	15	27	28
Preferred Stock Dividends Declared	25	25	24
Net Income / (Loss) Attributable to Noncontrolling Interest	-0.99	-0.89	-1.19
Basic Earnings per Share	$7.55	$5.35	$5.92
Weighted Average Basic Shares Outstanding	14.45M	14.61M	15.12M
Diluted Earnings per Share	$5.83	$4.24	$4.77
Weighted Average Diluted Shares Outstanding	14.45M	14.61M	15.12M
Weighted Average Basic & Diluted Shares Outstanding	14.45M	14.61M	15.12M

This table shows Atlanticus Holdings Co. 6.125% Senior Notes due 2026's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Net Income / (Loss) Attributable to Common Shareholders	26	18	20	19	19	20	20	18	23	26
Consolidated Net Income / (Loss)	32	24	26	25	25	26	26	24	29	31
Net Income / (Loss) Continuing Operations	32	24	26	25	25	26	26	24	29	31
Total Pre-Tax Income	39	30	34	32	32	31	33	29	37	40
Total Revenue	93	82	87	89	89	92	96	91	105	124
Net Interest Income / (Expense)	208	197	192	204	207	204	207	218	230	225
Total Interest Income	229	221	217	228	235	237	242	256	272	269
Loans and Leases Interest Income	218	212	210	220	225	225	230	242	255	252
Other Interest Income	11	8.78	6.92	7.84	10	12	12	14	17	18
Total Interest Expense	22	24	24	24	28	33	35	38	42	45
Long-Term Debt Interest Expense	22	24	24	24	28	33	35	38	42	45
Total Non-Interest Income	-115	-114	-105	-115	-118	-112	-111	-127	-125	-101
Other Service Charges	49	48	44	63	60	72	48	60	79	84
Other Non-Interest Income	-164	-162	-150	-178	-178	-184	-159	-186	-204	-184
Provision for Credit Losses	0.38	0.54	0.70	0.31	0.54	0.60	2.94	1.75	4.63	7.05
Total Non-Interest Expense	53	53	52	56	56	61	61	61	63	78
Salaries and Employee Benefits	10	11	11	11	11	11	13	12	12	13
Marketing Expense	11	11	10	14	13	15	10	14	15	17
Other Operating Expenses	31	30	31	31	32	34	36	35	35	47
Depreciation Expense	0.49	0.55	0.62	0.64	0.65	0.65	0.65	0.65	0.66	0.75
Nonoperating Income / (Expense), net	0.08	0.43	0.06	0.09	-0.01	0.49	0.53	0.38	0.27	0.31
Income Tax Expense	6.95	6.09	8.19	7.20	6.79	4.43	7.00	4.48	8.10	8.90
Preferred Stock Dividends Declared	6.30	6.32	6.23	6.29	6.34	6.34	6.29	6.31	6.32	5.01
Net Income / (Loss) Attributable to Noncontrolling Interest	-0.20	-0.30	-0.32	-0.28	-0.27	-0.03	-0.35	-0.15	-0.35	-0.33
Basic Earnings per Share	$1.81	$1.24	$1.38	$1.30	$1.30	$1.37	$1.35	$1.22	$1.58	$1.77
Weighted Average Basic Shares Outstanding	14.45M	14.45M	14.46M	14.43M	14.59M	14.61M	14.79M	14.74M	14.74M	15.12M
Diluted Earnings per Share	$1.41	$1.00	$1.08	$1.02	$1.03	$1.11	$1.09	$0.99	$1.27	$1.42
Weighted Average Diluted Shares Outstanding	14.45M	14.45M	14.46M	14.43M	14.59M	14.61M	14.79M	14.74M	14.74M	15.12M
Weighted Average Basic & Diluted Shares Outstanding	14.45M	14.45M	14.46M	14.43M	14.59M	14.61M	14.79M	14.74M	14.74M	15.12M

This table details how cash moves in and out of Atlanticus Holdings Co. 6.125% Senior Notes due 2026's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2022	2023	2024
Net Change in Cash & Equivalents	-73	-50	116
Net Cash From Operating Activities	348	459	469
Net Cash From Continuing Operating Activities	348	459	468
Net Income / (Loss) Continuing Operations	135	102	110
Consolidated Net Income / (Loss)	135	102	110
Provision For Loan Losses	1.25	2.15	16
Depreciation Expense	4.85	4.04	5.19
Amortization Expense	-132	-16	-14
Non-Cash Adjustments to Reconcile Net Income	21	-84	-113
Changes in Operating Assets and Liabilities, net	318	451	463
Net Cash From Investing Activities	-682	-672	-747
Net Cash From Continuing Investing Activities	-682	-672	-747
Purchase of Property, Leasehold Improvements and Equipment	-4.85	-3.99	-1.79
Purchase of Investment Securities	-2,546	-2,516	-2,629
Sale and/or Maturity of Investments	1,869	1,848	1,884
Other Investing Activities, net	-	0.00	0.00
Net Cash From Financing Activities	261	163	394
Net Cash From Continuing Financing Activities	261	163	394
Issuance of Debt	681	955	1,029
Issuance of Preferred Equity	0.44	1.12	1.08
Issuance of Common Equity	-	0.00	7.07
Repayment of Debt	-310	-754	-566
Repurchase of Common Equity	-89	-18	-53
Payment of Dividends	-25	-25	-26
Other Financing Activities, Net	3.85	3.41	0.89
Effect of Exchange Rate Changes	-0.04	0.00	0.00
Cash Interest Paid	75	99	146
Cash Income Taxes Paid	4.25	1.47	0.23

This table details how cash moves in and out of Atlanticus Holdings Co. 6.125% Senior Notes due 2026's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Net Change in Cash & Equivalents	20	47	1.32	-40	5.62	-16	99	-75	-22	115
Net Cash From Operating Activities	93	102	102	108	117	133	119	116	112	123
Net Cash From Continuing Operating Activities	93	102	102	108	117	133	119	116	112	121
Net Income / (Loss) Continuing Operations	32	24	26	25	25	26	26	24	29	31
Consolidated Net Income / (Loss)	32	24	26	25	25	26	26	24	29	31
Provision For Loan Losses	0.38	0.54	0.70	0.31	0.54	0.60	2.94	1.75	4.63	7.05
Depreciation Expense	0.69	0.75	0.84	0.85	1.09	1.26	1.25	1.25	1.28	1.40
Amortization Expense	-39	-26	-33	-47	67	-3.67	-28	-46	64	-3.11
Non-Cash Adjustments to Reconcile Net Income	0.72	22	0.75	0.85	404	-490	0.19	0.30	456	-569
Changes in Operating Assets and Liabilities, net	97	82	106	128	-381	598	117	134	-443	654
Net Cash From Investing Activities	-170	-158	-53	-188	-220	-211	-68	-197	-306	-176
Net Cash From Continuing Investing Activities	-170	-158	-53	-188	-220	-211	-68	-197	-306	-176
Purchase of Investment Securities	-653	-599	-545	-647	-672	-652	-560	-678	-764	-627
Sale and/or Maturity of Investments	484	445	495	460	449	445	492	481	458	452
Net Cash From Financing Activities	98	102	-47	40	108	62	47	6.43	171	168
Net Cash From Continuing Financing Activities	98	102	-47	40	108	62	47	6.43	171	168
Issuance of Debt	231	199	55	197	420	283	162	317	275	276
Issuance of Preferred Equity	0.19	0.25	1.07	0.04	0.01	-	1.07	-	-	0.01
Repayment of Debt	-118	-91	-95	-148	-299	-212	-109	-303	-70	-85
Repurchase of Common Equity	-11	-	-1.98	-2.99	-9.40	-3.31	-0.54	-1.27	-26	-25
Payment of Dividends	-6.19	-6.23	-6.25	-6.18	-6.22	-6.26	-6.26	-6.24	-7.24	-6.00
Other Financing Activities, Net	0.81	0.21	0.02	0.04	3.03	0.32	-0.15	0.05	0.03	0.96
Cash Interest Paid	20	22	23	22	25	29	33	32	40	41
Cash Income Taxes Paid	0.04	0.01	0.03	0.40	1.25	-0.22	-0.04	0.22	0.01	0.04

This table presents Atlanticus Holdings Co. 6.125% Senior Notes due 2026's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2022	2023	2024
Total Assets	2,388	2,706	3,271
Cash and Due from Banks	385	339	375
Restricted Cash	48	44	124
Loans and Leases, Net of Allowance	1,922	2,174	2,630
Loans and Leases	1,923	2,174	2,630
Premises and Equipment, Net	10	11	11
Other Assets	23	138	130
Total Liabilities & Shareholders' Equity	2,388	2,706	3,271
Total Liabilities	1,923	2,174	2,691
Long-Term Debt	1,798	2,006	2,481
Other Long-Term Liabilities	125	168	210
Commitments & Contingencies	0.00	0.00	0.00
Redeemable Noncontrolling Interest	140	140	90
Total Equity & Noncontrolling Interests	325	392	489
Total Preferred & Common Equity	326	395	493
Preferred Stock	0.00	0.00	0.00
Total Common Equity	326	395	493
Common Stock	122	87	98
Retained Earnings	204	307	395
Noncontrolling Interest	-1.37	-2.26	-3.54

This table presents Atlanticus Holdings Co. 6.125% Senior Notes due 2026's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024
Total Assets	2,252	2,375	2,455	2,597	2,787	2,837	3,040
Cash and Due from Banks	353	390	343	356	445	351	309
Restricted Cash	34	45	52	44	37	56	76
Loans and Leases, Net of Allowance	1,817	0.00	1,916	2,050	2,151	0.00	2,512
Loans and Leases	1,817	-	1,916	2,050	2,151	-	2,512
Premises and Equipment, Net	7.00	12	13	12	11	10	9.68
Other Assets	41	1,929	132	135	143	2,420	134
Total Liabilities & Shareholders' Equity	2,252	2,375	2,455	2,597	2,787	2,837	3,040
Total Liabilities	1,806	1,891	1,953	2,082	2,234	2,266	2,471
Long-Term Debt	1,688	1,759	1,810	1,932	2,062	2,079	2,286
Other Long-Term Liabilities	75	131	96	102	113	187	184
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Redeemable Noncontrolling Interest	140	140	140	140	140	140	115
Total Equity & Noncontrolling Interests	306	345	361	375	413	431	454
Total Preferred & Common Equity	307	346	363	377	416	434	458
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	307	346	363	377	416	434	458
Common Stock	127	116	108	96	89	89	89
Retained Earnings	180	231	256	281	327	345	368
Noncontrolling Interest	-1.18	-1.69	-1.96	-2.23	-2.75	-2.91	-3.26

This table displays calculated financial ratios and metrics derived from Atlanticus Holdings Co. 6.125% Senior Notes due 2026's official financial filings.

Metric	2022	2023	2024
Growth Metrics	-	-	-
Revenue Growth	-12.31%	-7.97%	16.83%
EBITDA Growth	-62.86%	445.26%	11.21%
EBIT Growth	-31.07%	-13.83%	7.16%
NOPAT Growth	-23.23%	-24.22%	7.36%
Net Income Growth	-24.29%	-24.26%	8.00%
EPS Growth	-22.88%	-27.27%	12.50%
Operating Cash Flow Growth	63.69%	32.13%	2.20%
Free Cash Flow Firm Growth	49.01%	37.58%	-136.24%
Invested Capital Growth	22.38%	12.20%	20.54%
Revenue Q/Q Growth	-10.34%	2.73%	8.41%
EBITDA Q/Q Growth	-54.87%	26.29%	2,781.92%
EBIT Q/Q Growth	-18.12%	0.68%	7.32%
NOPAT Q/Q Growth	-16.20%	2.55%	4.69%
Net Income Q/Q Growth	-16.27%	2.60%	4.46%
EPS Q/Q Growth	-16.24%	2.66%	6.95%
Operating Cash Flow Q/Q Growth	9.11%	7.16%	-2.10%
Free Cash Flow Firm Q/Q Growth	51.37%	18.37%	-35.51%
Invested Capital Q/Q Growth	6.02%	3.74%	7.17%
Profitability Metrics	-	-	-
EBITDA Margin	5.48%	32.49%	30.93%
EBIT Margin	38.34%	35.90%	32.93%
Profit (Net Income) Margin	34.77%	28.61%	26.45%
Tax Burden Percent	90.18%	79.31%	79.45%
Interest Burden Percent	100.54%	100.49%	101.09%
Effective Tax Rate	9.82%	20.69%	20.55%
Return on Invested Capital (ROIC)	6.51%	4.23%	3.89%
ROIC Less NNEP Spread (ROIC-NNEP)	6.56%	4.25%	3.94%
Return on Net Nonoperating Assets (RNNOA)	23.67%	16.21%	15.91%
Return on Equity (ROE)	30.18%	20.44%	19.80%
Cash Return on Invested Capital (CROIC)	-13.61%	-7.28%	-14.74%
Operating Return on Assets (OROA)	6.85%	5.02%	4.59%
Return on Assets (ROA)	6.22%	4.00%	3.68%
Return on Common Equity (ROCE)	20.78%	14.77%	15.81%
Return on Equity Simple (ROE_SIMPLE)	41.24%	25.83%	22.34%
Net Operating Profit after Tax (NOPAT)	134	101	109
NOPAT Margin	34.58%	28.47%	26.16%
Net Nonoperating Expense Percent (NNEP)	-0.05%	-0.03%	-0.05%
SG&A Expenses to Revenue	27.24%	27.03%	25.54%
Operating Expenses to Revenue	61.33%	63.49%	63.14%
Earnings before Interest and Taxes (EBIT)	148	128	137
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	21	116	129
Valuation Ratios	-	-	-
Price to Book Value (P/BV)	1.16	1.43	1.67
Price to Tangible Book Value (P/TBV)	1.16	1.43	1.67
Price to Revenue (P/Rev)	0.98	1.58	1.97
Price to Earnings (P/E)	3.42	7.26	9.41
Dividend Yield	0.00%	0.00%	0.00%
Earnings Yield	29.20%	13.76%	10.63%
Enterprise Value to Invested Capital (EV/IC)	0.83	0.92	0.94
Enterprise Value to Revenue (EV/Rev)	4.86	6.52	6.94
Enterprise Value to EBITDA (EV/EBITDA)	88.61	20.08	22.44
Enterprise Value to EBIT (EV/EBIT)	12.67	18.17	21.08
Enterprise Value to NOPAT (EV/NOPAT)	14.05	22.91	26.53
Enterprise Value to Operating Cash Flow (EV/OCF)	5.41	5.06	6.16
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00
Leverage & Solvency	-	-	-
Debt to Equity	3.87	3.77	4.28
Long-Term Debt to Equity	3.87	3.77	4.28
Financial Leverage	3.61	3.81	4.04
Leverage Ratio	4.86	5.11	5.38
Compound Leverage Factor	4.88	5.13	5.43
Debt to Total Capital	79.45%	79.02%	81.07%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	79.45%	79.02%	81.07%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	6.12%	5.44%	2.83%
Common Equity to Total Capital	14.43%	15.55%	16.11%
Debt to EBITDA	84.67	17.33	19.27
Net Debt to EBITDA	64.26	14.01	15.39
Long-Term Debt to EBITDA	84.67	17.33	19.27
Debt to NOPAT	13.43	19.77	22.78
Net Debt to NOPAT	10.19	15.99	18.19
Long-Term Debt to NOPAT	13.43	19.77	22.78
Noncontrolling Interest Sharing Ratio	31.13%	27.72%	20.18%
Liquidity Ratios	-	-	-
Cash Flow Metrics	-	-	-
Free Cash Flow to Firm (FCFF)	-280	-175	-413
Operating Cash Flow to CapEx	7,164.67%	11,505.94%	26,238.40%
Free Cash Flow to Firm to Interest Expense	-3.42	-1.60	-2.58
Operating Cash Flow to Interest Expense	4.25	4.20	2.93
Operating Cash Flow Less CapEx to Interest Expense	4.19	4.16	2.92
Efficiency Ratios	-	-	-
Asset Turnover	0.18	0.14	0.14
Fixed Asset Turnover	44.64	33.21	37.91
Capital & Investment Metrics	-	-	-
Invested Capital	2,263	2,539	3,060
Invested Capital Turnover	0.19	0.15	0.15
Increase / (Decrease) in Invested Capital	414	276	522
Enterprise Value (EV)	1,882	2,325	2,890
Market Capitalization	378	564	822
Book Value per Share	$22.60	$27.06	$33.44
Tangible Book Value per Share	$22.60	$27.06	$33.44
Total Capital	2,263	2,539	3,060
Total Debt	1,798	2,006	2,481
Total Long-Term Debt	1,798	2,006	2,481
Net Debt	1,364	1,622	1,981
Capital Expenditures (CapEx)	4.85	3.99	1.79
Net Nonoperating Expense (NNE)	-0.73	-0.50	-1.18
Net Nonoperating Obligations (NNO)	1,798	2,006	2,481
Total Depreciation and Amortization (D&A)	-127	-12	-8.33
Earnings Adjustments	-	-	-
Adjusted Basic Earnings per Share	$0.00	$5.35	$5.92
Adjusted Weighted Average Basic Shares Outstanding	0.00	14.61M	15.12M
Adjusted Diluted Earnings per Share	$0.00	$4.24	$4.77
Adjusted Weighted Average Diluted Shares Outstanding	0.00	14.61M	15.12M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	0.00	14.61M	15.12M
Normalized Net Operating Profit after Tax (NOPAT)	134	101	109
Normalized NOPAT Margin	34.58%	28.47%	26.16%
Pre Tax Income Margin	38.55%	36.08%	33.29%
Debt Service Ratios	-	-	-
EBIT to Interest Expense	1.81	1.17	0.86
NOPAT to Interest Expense	1.64	0.93	0.68
EBIT Less CapEx to Interest Expense	1.75	1.13	0.84
NOPAT Less CapEx to Interest Expense	1.58	0.89	0.67
Payout Ratios	-	-	-
Dividend Payout Ratio	18.42%	24.43%	23.38%
Augmented Payout Ratio	84.54%	41.77%	71.22%

This table displays calculated financial ratios and metrics derived from Atlanticus Holdings Co. 6.125% Senior Notes due 2026's official financial filings.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-20.49%	-35.13%	-19.27%	-14.96%	-4.26%	11.46%	10.37%	3.08%	17.95%	35.14%
EBITDA Growth	105.98%	-87.48%	-82.83%	-621.98%	7,393.04%	652.34%	126.96%	-14.97%	2.16%	36.17%
EBIT Growth	-32.17%	-52.82%	-9.45%	-24.53%	-19.04%	2.94%	-5.10%	-11.61%	16.53%	30.94%
NOPAT Growth	-31.37%	-52.59%	-42.15%	-26.37%	-22.68%	10.73%	-1.74%	-3.81%	16.01%	18.88%
Net Income Growth	-31.27%	-52.47%	-42.14%	-26.58%	-22.85%	10.90%	-0.29%	-2.77%	16.88%	17.88%
EPS Growth	-28.06%	-53.05%	-44.90%	-30.14%	-26.95%	11.00%	0.93%	-2.94%	23.30%	27.93%
Operating Cash Flow Growth	525.44%	39.77%	25.94%	50.42%	25.61%	30.08%	16.81%	6.99%	-3.85%	-7.59%
Free Cash Flow Firm Growth	-83.53%	42.08%	41.11%	55.17%	59.04%	35.89%	12.06%	-10.81%	-31.83%	-96.12%
Invested Capital Growth	52.55%	22.38%	22.95%	15.44%	14.66%	12.20%	16.53%	14.66%	16.69%	20.54%
Revenue Q/Q Growth	-11.10%	-11.09%	5.42%	2.05%	0.09%	3.52%	4.39%	-4.69%	14.52%	18.60%
EBITDA Q/Q Growth	-51.70%	176.57%	-37.56%	-725.83%	793.36%	-72.23%	-9.65%	-417.02%	716.11%	-62.99%
EBIT Q/Q Growth	-7.25%	-25.19%	15.91%	-6.16%	-0.51%	-4.88%	6.86%	-12.60%	31.16%	6.88%
NOPAT Q/Q Growth	-3.88%	-27.72%	10.71%	-4.27%	0.93%	3.51%	-1.75%	-6.28%	21.73%	6.06%
Net Income Q/Q Growth	-4.22%	-26.82%	9.30%	-4.17%	0.64%	5.21%	-1.73%	-6.55%	20.98%	6.11%
EPS Q/Q Growth	-3.42%	-29.08%	8.00%	-5.56%	0.98%	7.77%	-1.80%	-9.17%	28.28%	11.81%
Operating Cash Flow Q/Q Growth	29.47%	9.63%	-0.29%	6.28%	8.12%	13.52%	-10.46%	-2.65%	-2.84%	9.11%
Free Cash Flow Firm Q/Q Growth	-10.84%	44.46%	-0.69%	27.67%	-1.29%	13.08%	-38.11%	8.86%	-20.49%	-29.31%
Invested Capital Q/Q Growth	6.61%	6.02%	-0.82%	2.98%	5.89%	3.74%	3.01%	1.33%	7.77%	7.17%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	1.44%	4.48%	2.65%	-16.28%	112.75%	30.25%	5.46%	-18.15%	97.66%	30.48%
EBIT Margin	42.31%	35.60%	39.14%	35.99%	35.78%	32.87%	33.66%	30.86%	35.35%	31.85%
Profit (Net Income) Margin	34.91%	28.73%	29.79%	27.97%	28.13%	28.59%	26.91%	26.39%	27.87%	24.94%
Tax Burden Percent	82.33%	79.54%	75.98%	77.51%	78.64%	85.57%	78.67%	84.35%	78.28%	77.69%
Interest Burden Percent	100.20%	101.46%	100.17%	100.27%	99.98%	101.62%	101.65%	101.35%	100.73%	100.77%
Effective Tax Rate	17.67%	20.46%	24.02%	22.49%	21.36%	14.43%	21.33%	15.65%	21.72%	22.31%
Return on Invested Capital (ROIC)	8.51%	5.33%	5.36%	4.54%	4.26%	4.18%	3.98%	3.86%	4.01%	3.68%
ROIC Less NNEP Spread (ROIC-NNEP)	8.52%	5.35%	5.36%	4.54%	4.26%	4.20%	4.00%	3.88%	4.02%	3.69%
Return on Net Nonoperating Assets (RNNOA)	26.99%	19.32%	18.93%	16.51%	16.05%	16.00%	14.73%	14.06%	15.63%	14.89%
Return on Equity (ROE)	35.51%	24.66%	24.28%	21.05%	20.31%	20.18%	18.71%	17.92%	19.64%	18.57%
Cash Return on Invested Capital (CROIC)	-32.57%	-13.61%	-14.93%	-9.40%	-9.34%	-7.28%	-11.12%	-9.63%	-11.48%	-14.74%
Operating Return on Assets (OROA)	9.78%	6.36%	6.68%	5.52%	5.12%	4.60%	4.76%	4.29%	4.82%	4.44%
Return on Assets (ROA)	8.07%	5.14%	5.08%	4.29%	4.02%	4.00%	3.81%	3.67%	3.80%	3.47%
Return on Common Equity (ROCE)	23.88%	16.98%	16.78%	14.78%	14.46%	14.58%	13.74%	13.32%	15.12%	14.82%
Return on Equity Simple (ROE_SIMPLE)	52.29%	0.00%	33.41%	29.38%	26.37%	0.00%	24.49%	23.33%	23.03%	0.00%
Net Operating Profit after Tax (NOPAT)	32	23	26	25	25	26	25	24	29	31
NOPAT Margin	34.83%	28.32%	29.74%	27.90%	28.13%	28.13%	26.48%	26.03%	27.67%	24.74%
Net Nonoperating Expense Percent (NNEP)	0.00%	-0.02%	0.00%	0.00%	0.00%	-0.02%	-0.02%	-0.02%	-0.01%	-0.01%
SG&A Expenses to Revenue	23.09%	26.34%	24.17%	28.31%	26.99%	28.55%	24.74%	27.94%	25.92%	24.07%
Operating Expenses to Revenue	57.28%	63.74%	60.05%	63.66%	63.62%	66.47%	63.28%	67.23%	60.23%	62.48%
Earnings before Interest and Taxes (EBIT)	39	29	34	32	32	30	32	28	37	40
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	1.34	3.70	2.31	-14	100	28	5.24	-17	102	38
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.24	1.16	1.13	1.67	1.16	1.43	1.04	0.96	1.13	1.67
Price to Tangible Book Value (P/TBV)	1.24	1.16	1.13	1.67	1.16	1.43	1.04	0.96	1.13	1.67
Price to Revenue (P/Rev)	0.88	0.98	1.07	1.73	1.26	1.58	1.18	1.13	1.35	1.97
Price to Earnings (P/E)	2.78	3.42	4.27	7.34	5.80	7.26	5.58	5.43	6.38	9.41
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	35.94%	29.20%	23.39%	13.62%	17.23%	13.76%	17.93%	18.40%	15.67%	10.63%
Enterprise Value to Invested Capital (EV/IC)	0.85	0.83	0.83	0.94	0.86	0.92	0.82	0.84	0.89	0.94
Enterprise Value to Revenue (EV/Rev)	4.21	4.86	5.06	6.16	6.08	6.52	5.88	6.05	6.59	6.94
Enterprise Value to EBITDA (EV/EBITDA)	38.68	88.61	183.61	0.00	22.99	20.08	0.00	0.00	0.00	22.44
Enterprise Value to EBIT (EV/EBIT)	10.04	12.67	12.80	16.06	16.59	18.17	17.03	18.17	19.81	21.08
Enterprise Value to NOPAT (EV/NOPAT)	11.39	14.05	16.12	20.34	21.31	22.91	21.28	22.25	24.32	26.53
Enterprise Value to Operating Cash Flow (EV/OCF)	5.71	5.41	5.03	5.34	4.92	5.06	4.51	4.60	5.28	6.16
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	3.78	3.87	3.63	3.61	3.75	3.77	3.72	3.64	4.02	4.28
Long-Term Debt to Equity	3.78	3.87	3.63	3.61	3.75	3.77	3.72	3.64	4.02	4.28
Financial Leverage	3.17	3.61	3.53	3.64	3.77	3.81	3.68	3.62	3.89	4.04
Leverage Ratio	4.41	4.86	4.79	4.91	5.05	5.11	4.97	4.93	5.20	5.38
Compound Leverage Factor	4.42	4.93	4.79	4.93	5.05	5.19	5.05	5.00	5.24	5.42
Debt to Total Capital	79.10%	79.45%	78.40%	78.30%	78.97%	79.02%	78.83%	78.44%	80.06%	81.07%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	79.10%	79.45%	78.40%	78.30%	78.97%	79.02%	78.83%	78.44%	80.06%	81.07%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	6.50%	6.12%	6.16%	5.98%	5.64%	5.44%	5.26%	5.19%	3.91%	2.83%
Common Equity to Total Capital	14.41%	14.43%	15.44%	15.72%	15.40%	15.55%	15.91%	16.37%	16.03%	16.11%
Debt to EBITDA	35.88	84.67	174.12	-254.87	21.08	17.33	-429.40	-298.56	-476.21	19.27
Net Debt to EBITDA	27.66	64.26	131.12	-199.32	16.72	14.01	-328.94	-240.08	-396.08	15.39
Long-Term Debt to EBITDA	35.88	84.67	174.12	-254.87	21.08	17.33	-429.40	-298.56	-476.21	19.27
Debt to NOPAT	10.57	13.43	15.28	17.03	19.53	19.77	20.41	20.78	21.97	22.78
Net Debt to NOPAT	8.15	10.19	11.51	13.32	15.49	15.99	15.64	16.71	18.28	18.19
Long-Term Debt to NOPAT	10.57	13.43	15.28	17.03	19.53	19.77	20.41	20.78	21.97	22.78
Noncontrolling Interest Sharing Ratio	32.74%	31.13%	30.89%	29.76%	28.79%	27.72%	26.57%	25.69%	23.03%	20.18%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-703	-390	-393	-284	-288	-250	-346	-315	-380	-491
Operating Cash Flow to CapEx	13,328.65%	2,870.53%	3,678.05%	10,463.60%	0.00%	0.00%	185,618.75%	172,601.49%	0.00%	0.00%
Free Cash Flow to Firm to Interest Expense	-32.67	-16.26	-16.22	-11.74	-10.18	-7.67	-9.86	-8.30	-8.93	-10.99
Operating Cash Flow to Interest Expense	4.32	4.25	4.20	4.46	4.13	4.07	3.39	3.05	2.64	2.74
Operating Cash Flow Less CapEx to Interest Expense	4.29	4.10	4.08	4.42	4.13	4.07	3.39	3.05	2.64	2.74
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.23	0.18	0.17	0.15	0.14	0.14	0.14	0.14	0.14	0.14
Fixed Asset Turnover	108.12	44.64	38.61	36.27	36.48	33.21	31.75	32.26	35.41	37.91
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	2,134	2,263	2,244	2,311	2,447	2,539	2,615	2,650	2,856	3,060
Invested Capital Turnover	0.24	0.19	0.18	0.16	0.15	0.15	0.15	0.15	0.14	0.15
Increase / (Decrease) in Invested Capital	735	414	419	309	313	276	371	339	409	522
Enterprise Value (EV)	1,820	1,882	1,855	2,161	2,108	2,325	2,149	2,226	2,531	2,890
Market Capitalization	380	378	392	608	437	564	432	417	517	822
Book Value per Share	$21.23	$22.60	$23.97	$25.12	$26.11	$27.06	$28.47	$29.33	$31.04	$33.44
Tangible Book Value per Share	$21.23	$22.60	$23.97	$25.12	$26.11	$27.06	$28.47	$29.33	$31.04	$33.44
Total Capital	2,134	2,263	2,244	2,311	2,447	2,539	2,615	2,650	2,856	3,060
Total Debt	1,688	1,798	1,759	1,810	1,932	2,006	2,062	2,079	2,286	2,481
Total Long-Term Debt	1,688	1,798	1,759	1,810	1,932	2,006	2,062	2,079	2,286	2,481
Net Debt	1,301	1,364	1,325	1,415	1,532	1,622	1,579	1,671	1,902	1,981
Capital Expenditures (CapEx)	0.70	3.55	2.77	1.03	0.00	0.00	0.06	0.07	0.00	0.00
Net Nonoperating Expense (NNE)	-0.07	-0.34	-0.04	-0.07	0.00	-0.42	-0.42	-0.32	-0.21	-0.24
Net Nonoperating Obligations (NNO)	1,688	1,798	1,759	1,810	1,932	2,006	2,062	2,079	2,286	2,481
Total Depreciation and Amortization (D&A)	-38	-26	-32	-46	68	-2.42	-27	-45	65	-1.71
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$1.81	$1.24	$1.38	$1.30	$1.30	$1.37	$1.35	$1.22	$1.58	$1.77
Adjusted Weighted Average Basic Shares Outstanding	14.45M	14.45M	14.46M	14.43M	14.59M	14.61M	14.79M	14.74M	14.74M	15.12M
Adjusted Diluted Earnings per Share	$1.41	$1.00	$1.08	$1.02	$1.03	$1.11	$1.09	$0.99	$1.27	$1.42
Adjusted Weighted Average Diluted Shares Outstanding	14.45M	14.45M	14.46M	14.43M	14.59M	14.61M	14.79M	14.74M	14.74M	15.12M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	14.45M	14.45M	14.46M	14.43M	14.59M	14.61M	14.79M	14.74M	14.74M	15.12M
Normalized Net Operating Profit after Tax (NOPAT)	32	23	26	25	25	26	25	24	29	31
Normalized NOPAT Margin	34.83%	28.32%	29.74%	27.90%	28.13%	28.13%	26.48%	26.03%	27.67%	24.74%
Pre Tax Income Margin	42.40%	36.12%	39.21%	36.09%	35.77%	33.41%	34.21%	31.28%	35.60%	32.10%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	1.82	1.22	1.40	1.32	1.12	0.93	0.92	0.74	0.87	0.89
NOPAT to Interest Expense	1.50	0.97	1.07	1.02	0.88	0.79	0.72	0.63	0.68	0.69
EBIT Less CapEx to Interest Expense	1.79	1.07	1.29	1.28	1.12	0.93	0.92	0.74	0.87	0.89
NOPAT Less CapEx to Interest Expense	1.47	0.82	0.95	0.98	0.88	0.79	0.72	0.63	0.68	0.69
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	15.42%	18.42%	21.62%	23.28%	25.04%	24.43%	24.46%	24.69%	24.66%	23.38%
Augmented Payout Ratio	82.87%	84.54%	43.89%	38.17%	39.50%	41.77%	40.40%	39.04%	54.03%	71.22%

Frequently Asked Questions About Atlanticus Holdings Co. 6.125% Senior Notes due 2026's Financials

When does Atlanticus Holdings Co. 6.125% Senior Notes due 2026's financial year end?

According to the most recent income statement we have on file, Atlanticus Holdings Co. 6.125% Senior Notes due 2026's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Atlanticus Holdings Co. 6.125% Senior Notes due 2026's net income changed over the last 2 years?

Atlanticus Holdings Co. 6.125% Senior Notes due 2026's net income appears to be on a downward trend, with a most recent value of $110.11 million in 2024, falling from $134.61 million in 2022. The previous period was $101.95 million in 2023.

How has Atlanticus Holdings Co. 6.125% Senior Notes due 2026 revenue changed over the last 2 years?

Over the last 2 years, Atlanticus Holdings Co. 6.125% Senior Notes due 2026's total revenue changed from $387.18 million in 2022 to $416.31 million in 2024, a change of 7.5%.

How much debt does Atlanticus Holdings Co. 6.125% Senior Notes due 2026 have?

Atlanticus Holdings Co. 6.125% Senior Notes due 2026's total liabilities were at $2.69 billion at the end of 2024, a 23.8% increase from 2023, and a 40.0% increase since 2022.

How much cash does Atlanticus Holdings Co. 6.125% Senior Notes due 2026 have?

In the past 2 years, Atlanticus Holdings Co. 6.125% Senior Notes due 2026's cash and equivalents has ranged from $339.34 million in 2023 to $384.98 million in 2022, and is currently $375.42 million as of their latest financial filing in 2024.

How has Atlanticus Holdings Co. 6.125% Senior Notes due 2026's book value per share changed over the last 2 years?

Over the last 2 years, Atlanticus Holdings Co. 6.125% Senior Notes due 2026's book value per share changed from 22.60 in 2022 to 33.44 in 2024, a change of 48.0%.

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This page (NASDAQ:ATLCL) was last updated on 4/26/2025 by MarketBeat.com Staff

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Atlanticus Holdings Co. 6.125% Senior Notes due 2026 (ATLCL) Financials

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Atlanticus Holdings Co. 6.125% Senior Notes due 2026 (ATLCL) Financials

Annual Income Statements for Atlanticus Holdings Co. 6.125% Senior Notes due 2026

Quarterly Income Statements for Atlanticus Holdings Co. 6.125% Senior Notes due 2026

Annual Cash Flow Statements for Atlanticus Holdings Co. 6.125% Senior Notes due 2026

Quarterly Cash Flow Statements for Atlanticus Holdings Co. 6.125% Senior Notes due 2026

Annual Balance Sheets for Atlanticus Holdings Co. 6.125% Senior Notes due 2026

Quarterly Balance Sheets for Atlanticus Holdings Co. 6.125% Senior Notes due 2026

Annual Metrics and Ratios for Atlanticus Holdings Co. 6.125% Senior Notes due 2026

Quarterly Metrics and Ratios for Atlanticus Holdings Co. 6.125% Senior Notes due 2026

Frequently Asked Questions About Atlanticus Holdings Co. 6.125% Senior Notes due 2026's Financials

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