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Atlanticus Holdings Co. 9.25% Senior Notes due 2029 (ATLCZ) Financials

$24.83 +0.21 (+0.85%)
As of 04/17/2025 04:00 PM Eastern
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Annual Income Statements for Atlanticus Holdings Co. 9.25% Senior Notes due 2029

Annual Income Statements for Atlanticus Holdings Co. 9.25% Senior Notes due 2029

This table shows Atlanticus Holdings Co. 9.25% Senior Notes due 2029'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

Quarterly Income Statements for Atlanticus Holdings Co. 9.25% Senior Notes due 2029

This table shows Atlanticus Holdings Co. 9.25% Senior Notes due 2029'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

Annual Cash Flow Statements for Atlanticus Holdings Co. 9.25% Senior Notes due 2029

This table details how cash moves in and out of Atlanticus Holdings Co. 9.25% Senior Notes due 2029'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

Quarterly Cash Flow Statements for Atlanticus Holdings Co. 9.25% Senior Notes due 2029

This table details how cash moves in and out of Atlanticus Holdings Co. 9.25% Senior Notes due 2029'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

Annual Balance Sheets for Atlanticus Holdings Co. 9.25% Senior Notes due 2029

This table presents Atlanticus Holdings Co. 9.25% Senior Notes due 2029'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

Quarterly Balance Sheets for Atlanticus Holdings Co. 9.25% Senior Notes due 2029

This table presents Atlanticus Holdings Co. 9.25% Senior Notes due 2029'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

Annual Metrics and Ratios for Atlanticus Holdings Co. 9.25% Senior Notes due 2029

This table displays calculated financial ratios and metrics derived from Atlanticus Holdings Co. 9.25% Senior Notes due 2029'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%

Quarterly Metrics and Ratios for Atlanticus Holdings Co. 9.25% Senior Notes due 2029

This table displays calculated financial ratios and metrics derived from Atlanticus Holdings Co. 9.25% Senior Notes due 2029'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. 9.25% Senior Notes due 2029's Financials

When does Atlanticus Holdings Co. 9.25% Senior Notes due 2029's fiscal year end?

According to the most recent income statement we have on file, Atlanticus Holdings Co. 9.25% Senior Notes due 2029's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Atlanticus Holdings Co. 9.25% Senior Notes due 2029's net income changed over the last 2 years?

Atlanticus Holdings Co. 9.25% Senior Notes due 2029'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. 9.25% Senior Notes due 2029 revenue changed over the last 2 years?

Over the last 2 years, Atlanticus Holdings Co. 9.25% Senior Notes due 2029'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. 9.25% Senior Notes due 2029 have?

Atlanticus Holdings Co. 9.25% Senior Notes due 2029'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. 9.25% Senior Notes due 2029 have?

In the past 2 years, Atlanticus Holdings Co. 9.25% Senior Notes due 2029'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. 9.25% Senior Notes due 2029's book value per share changed over the last 2 years?

Over the last 2 years, Atlanticus Holdings Co. 9.25% Senior Notes due 2029's book value per share changed from 22.60 in 2022 to 33.44 in 2024, a change of 48.0%.



This page (NASDAQ:ATLCZ) was last updated on 4/18/2025 by MarketBeat.com Staff
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