Atlanticus (ATLCP) Financials

$23.10 -0.11 (-0.47%)

Closing price 03:50 PM Eastern

Extended Trading

$23.12 +0.02 (+0.09%)

As of 04:04 PM Eastern

Annual Income Statements for Atlanticus

This table shows Atlanticus' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022
Period end date	12/31/2024	12/31/2023	12/31/2022
Net Income / (Loss) Attributable to Common Shareholders	87	78	111
Consolidated Net Income / (Loss)	110	102	135
Net Income / (Loss) Continuing Operations	110	102	135
Total Pre-Tax Income	139	129	149
Total Revenue	416	356	387
Net Interest Income / (Expense)	880	807	747
Total Interest Income	1,040	916	829
Loans and Leases Interest Income	980	879	786
Other Interest Income	60	37	43
Total Interest Expense	160	109	82
Long-Term Debt Interest Expense	160	109	82
Total Non-Interest Income	-464	-451	-360
Other Service Charges	270	239	217
Other Non-Interest Income	-733	-690	-577
Provision for Credit Losses	16	2.15	1.25
Total Non-Interest Expense	263	226	237
Salaries and Employee Benefits	50	44	43
Marketing Expense	56	52	62
Other Operating Expenses	154	127	130
Depreciation Expense	2.72	2.56	2.18
Nonoperating Income / (Expense), net	1.49	0.63	0.81
Income Tax Expense	28	27	15
Preferred Stock Dividends Declared	24	25	25
Net Income / (Loss) Attributable to Noncontrolling Interest	-1.19	-0.89	-0.99
Basic Earnings per Share	$5.92	$5.35	$7.55
Weighted Average Basic Shares Outstanding	15.12M	14.61M	14.45M
Diluted Earnings per Share	$4.77	$4.24	$5.83
Weighted Average Diluted Shares Outstanding	15.12M	14.61M	14.45M
Weighted Average Basic & Diluted Shares Outstanding	15.12M	14.61M	14.45M

This table shows Atlanticus' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Income / (Loss) Attributable to Common Shareholders	28	26	23	18	20	20	19	19	20	18	26
Consolidated Net Income / (Loss)	31	31	29	24	26	26	25	25	26	24	32
Net Income / (Loss) Continuing Operations	31	31	29	24	26	26	25	25	26	24	32
Total Pre-Tax Income	41	40	37	29	33	31	32	32	34	30	39
Total Revenue	119	124	105	91	96	92	89	89	87	82	93
Net Interest Income / (Expense)	219	225	230	218	207	204	207	204	192	197	208
Total Interest Income	267	269	272	256	242	237	235	228	217	221	229
Loans and Leases Interest Income	248	252	255	242	230	225	225	220	210	212	218
Other Interest Income	19	18	17	14	12	12	10	7.84	6.92	8.78	11
Total Interest Expense	48	45	42	38	35	33	28	24	24	24	22
Long-Term Debt Interest Expense	48	45	42	38	35	33	28	24	24	24	22
Total Non-Interest Income	-100	-101	-125	-127	-111	-112	-118	-115	-105	-114	-115
Other Service Charges	78	84	79	60	48	72	60	63	44	48	49
Other Non-Interest Income	-178	-184	-204	-186	-159	-184	-178	-178	-150	-162	-164
Provision for Credit Losses	1.07	7.05	4.63	1.75	2.94	0.60	0.54	0.31	0.70	0.54	0.38
Total Non-Interest Expense	77	78	63	61	61	61	56	56	52	53	53
Salaries and Employee Benefits	16	13	12	12	13	11	11	11	11	11	10
Marketing Expense	20	17	15	14	10	15	13	14	10	11	11
Other Operating Expenses	41	47	35	35	36	34	32	31	31	30	31
Depreciation Expense	0.80	0.75	0.66	0.65	0.65	0.65	0.65	0.64	0.62	0.55	0.49
Nonoperating Income / (Expense), net	0.29	0.31	0.27	0.38	0.53	0.49	-0.01	0.09	0.06	0.43	0.08
Income Tax Expense	9.75	8.90	8.10	4.48	7.00	4.43	6.79	7.20	8.19	6.09	6.95
Preferred Stock Dividends Declared	3.57	5.01	6.32	6.31	6.29	6.34	6.34	6.29	6.23	6.32	6.30
Net Income / (Loss) Attributable to Noncontrolling Interest	-0.40	-0.33	-0.35	-0.15	-0.35	-0.03	-0.27	-0.28	-0.32	-0.30	-0.20
Basic Earnings per Share	$1.85	$1.77	$1.58	$1.22	$1.35	$1.37	$1.30	$1.30	$1.38	$1.24	$1.81
Weighted Average Basic Shares Outstanding	15.13M	15.12M	14.74M	14.74M	14.79M	14.61M	14.59M	14.43M	14.46M	14.45M	14.45M
Diluted Earnings per Share	$1.49	$1.42	$1.27	$0.99	$1.09	$1.11	$1.03	$1.02	$1.08	$1.00	$1.41
Weighted Average Diluted Shares Outstanding	15.13M	15.12M	14.74M	14.74M	14.79M	14.61M	14.59M	14.43M	14.46M	14.45M	14.45M
Weighted Average Basic & Diluted Shares Outstanding	15.13M	15.12M	14.74M	14.74M	14.79M	14.61M	14.59M	14.43M	14.46M	14.45M	14.45M

This table details how cash moves in and out of Atlanticus' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022
Period end date	12/31/2024	12/31/2023	12/31/2022
Net Change in Cash & Equivalents	116	-50	-73
Net Cash From Operating Activities	469	459	348
Net Cash From Continuing Operating Activities	468	459	348
Net Income / (Loss) Continuing Operations	110	102	135
Consolidated Net Income / (Loss)	110	102	135
Provision For Loan Losses	16	2.15	1.25
Depreciation Expense	5.19	4.04	4.85
Amortization Expense	-14	-16	-132
Non-Cash Adjustments to Reconcile Net Income	-113	-84	21
Changes in Operating Assets and Liabilities, net	463	451	318
Net Cash From Investing Activities	-747	-672	-682
Net Cash From Continuing Investing Activities	-747	-672	-682
Purchase of Property, Leasehold Improvements and Equipment	-1.79	-3.99	-4.85
Purchase of Investment Securities	-2,629	-2,516	-2,546
Sale and/or Maturity of Investments	1,884	1,848	1,869
Other Investing Activities, net	0.00	0.00	-
Net Cash From Financing Activities	394	163	261
Net Cash From Continuing Financing Activities	394	163	261
Issuance of Debt	1,029	955	681
Issuance of Preferred Equity	1.08	1.12	0.44
Issuance of Common Equity	7.07	0.00	-
Repayment of Debt	-566	-754	-310
Repurchase of Common Equity	-53	-18	-89
Payment of Dividends	-26	-25	-25
Other Financing Activities, Net	0.89	3.41	3.85
Effect of Exchange Rate Changes	0.00	0.00	-0.04
Cash Interest Paid	146	99	75
Cash Income Taxes Paid	0.23	1.47	4.25

This table details how cash moves in and out of Atlanticus' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Change in Cash & Equivalents	-38	115	-22	-75	99	-16	5.62	-40	1.32	47	20
Net Cash From Operating Activities	132	123	112	116	119	133	117	108	102	102	93
Net Cash From Continuing Operating Activities	131	121	112	116	119	133	117	108	102	102	93
Net Income / (Loss) Continuing Operations	31	31	29	24	26	26	25	25	26	24	32
Consolidated Net Income / (Loss)	31	31	29	24	26	26	25	25	26	24	32
Provision For Loan Losses	1.07	7.05	4.63	1.75	2.94	0.60	0.54	0.31	0.70	0.54	0.38
Depreciation Expense	1.60	1.40	1.28	1.25	1.25	1.26	1.09	0.85	0.84	0.75	0.69
Amortization Expense	-3.13	-3.11	64	-46	-28	-3.67	67	-47	-33	-26	-39
Non-Cash Adjustments to Reconcile Net Income	-24	-569	456	0.30	0.19	-490	404	0.85	0.75	22	0.72
Changes in Operating Assets and Liabilities, net	124	654	-443	134	117	598	-381	128	106	82	97
Net Cash From Investing Activities	-115	-176	-306	-197	-68	-211	-220	-188	-53	-158	-170
Net Cash From Continuing Investing Activities	-115	-176	-306	-197	-68	-211	-220	-188	-53	-158	-170
Purchase of Property, Leasehold Improvements and Equipment	-2.68	-	-	-0.07	-0.06	-	-	-1.03	-2.77	-3.55	-0.70
Purchase of Investment Securities	-621	-627	-764	-678	-560	-652	-672	-647	-545	-599	-653
Sale and/or Maturity of Investments	509	452	458	481	492	445	449	460	495	445	484
Other Investing Activities, net	0.00	-	-	-	-	-	-	-	-	-	-
Net Cash From Financing Activities	-55	168	171	6.43	47	62	108	40	-47	102	98
Net Cash From Continuing Financing Activities	-55	168	171	6.43	47	62	108	40	-47	102	98
Issuance of Debt	300	276	275	317	162	283	420	197	55	199	231
Issuance of Preferred Equity	0.31	0.01	-	-	1.07	-	0.01	0.04	1.07	0.25	0.19
Issuance of Common Equity	12	-	-	-	-	-	-	-	-	-	-
Repayment of Debt	-311	-85	-70	-303	-109	-212	-299	-148	-95	-91	-118
Repurchase of Common Equity	-51	-25	-26	-1.27	-0.54	-3.31	-9.40	-2.99	-1.98	-	-11
Payment of Dividends	-5.62	-6.00	-7.24	-6.24	-6.26	-6.26	-6.22	-6.18	-6.25	-6.23	-6.19
Other Financing Activities, Net	0.41	0.96	0.03	0.05	-0.15	0.32	3.03	0.04	0.02	0.21	0.81
Cash Interest Paid	43	41	40	32	33	29	25	22	23	22	20
Cash Income Taxes Paid	0.04	0.04	0.01	0.22	-0.04	-0.22	1.25	0.40	0.03	0.01	0.04

This table presents Atlanticus' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022
Period end date	12/31/2024	12/31/2023	12/31/2022
Total Assets	3,271	2,706	2,388
Cash and Due from Banks	375	339	385
Restricted Cash	124	44	48
Loans and Leases, Net of Allowance	2,630	2,174	1,922
Loans and Leases	2,630	2,174	1,923
Premises and Equipment, Net	11	11	10
Other Assets	130	138	23
Total Liabilities & Shareholders' Equity	3,271	2,706	2,388
Total Liabilities	2,691	2,174	1,923
Long-Term Debt	2,481	2,006	1,798
Other Long-Term Liabilities	210	168	125
Commitments & Contingencies	0.00	0.00	0.00
Redeemable Noncontrolling Interest	90	140	140
Total Equity & Noncontrolling Interests	489	392	325
Total Preferred & Common Equity	493	395	326
Preferred Stock	0.00	0.00	0.00
Total Common Equity	493	395	326
Common Stock	98	87	122
Retained Earnings	395	307	204
Noncontrolling Interest	-3.54	-2.26	-1.37

This table presents Atlanticus' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q1 2025	Q3 2024	Q2 2024	Q1 2024	Q3 2023	Q2 2023	Q1 2023	Q3 2022
Period end date	3/31/2025	9/30/2024	6/30/2024	3/31/2024	9/30/2023	6/30/2023	3/31/2023	9/30/2022
Total Assets	3,272	3,040	2,837	2,787	2,597	2,455	2,375	2,252
Cash and Due from Banks	350	309	351	445	356	343	390	353
Restricted Cash	111	76	56	37	44	52	45	34
Loans and Leases, Net of Allowance	2,669	2,512	0.00	2,151	2,050	1,916	0.00	1,817
Loans and Leases	2,669	2,512	-	2,151	2,050	1,916	-	1,817
Premises and Equipment, Net	12	9.68	10	11	12	13	12	7.00
Other Assets	130	134	2,420	143	135	132	1,929	41
Total Liabilities & Shareholders' Equity	3,272	3,040	2,837	2,787	2,597	2,455	2,375	2,252
Total Liabilities	2,703	2,471	2,266	2,234	2,082	1,953	1,891	1,806
Long-Term Debt	2,474	2,286	2,079	2,062	1,932	1,810	1,759	1,688
Other Long-Term Liabilities	229	184	187	113	102	96	131	75
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Redeemable Noncontrolling Interest	40	115	140	140	140	140	140	140
Total Equity & Noncontrolling Interests	529	454	431	413	375	361	345	306
Total Preferred & Common Equity	533	458	434	416	377	363	346	307
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	533	458	434	416	377	363	346	307
Common Stock	110	89	89	89	96	108	116	127
Retained Earnings	423	368	345	327	281	256	231	180
Noncontrolling Interest	-3.86	-3.26	-2.91	-2.75	-2.23	-1.96	-1.69	-1.18

This table displays calculated financial ratios and metrics derived from Atlanticus' official financial filings.

Metric	2024	2023	2022
Period end date	12/31/2024	12/31/2023	12/31/2022
Growth Metrics	-	-	-
Revenue Growth	16.83%	-7.97%	-12.31%
EBITDA Growth	11.21%	445.26%	-62.86%
EBIT Growth	7.16%	-13.83%	-31.07%
NOPAT Growth	7.36%	-24.22%	-23.23%
Net Income Growth	8.00%	-24.26%	-24.29%
EPS Growth	12.50%	-27.27%	-22.88%
Operating Cash Flow Growth	2.20%	32.13%	63.69%
Free Cash Flow Firm Growth	-136.24%	37.58%	49.01%
Invested Capital Growth	20.54%	12.20%	22.38%
Revenue Q/Q Growth	8.41%	2.73%	-10.34%
EBITDA Q/Q Growth	2,781.92%	26.29%	-54.87%
EBIT Q/Q Growth	7.32%	0.68%	-18.12%
NOPAT Q/Q Growth	4.69%	2.55%	-16.20%
Net Income Q/Q Growth	4.46%	2.60%	-16.27%
EPS Q/Q Growth	6.95%	2.66%	-16.24%
Operating Cash Flow Q/Q Growth	-2.10%	7.16%	9.11%
Free Cash Flow Firm Q/Q Growth	-35.51%	18.37%	51.37%
Invested Capital Q/Q Growth	7.17%	3.74%	6.02%
Profitability Metrics	-	-	-
EBITDA Margin	30.93%	32.49%	5.48%
EBIT Margin	32.93%	35.90%	38.34%
Profit (Net Income) Margin	26.45%	28.61%	34.77%
Tax Burden Percent	79.45%	79.31%	90.18%
Interest Burden Percent	101.09%	100.49%	100.54%
Effective Tax Rate	20.55%	20.69%	9.82%
Return on Invested Capital (ROIC)	3.89%	4.23%	6.51%
ROIC Less NNEP Spread (ROIC-NNEP)	3.94%	4.25%	6.56%
Return on Net Nonoperating Assets (RNNOA)	15.91%	16.21%	23.67%
Return on Equity (ROE)	19.80%	20.44%	30.18%
Cash Return on Invested Capital (CROIC)	-14.74%	-7.28%	-13.61%
Operating Return on Assets (OROA)	4.59%	5.02%	6.85%
Return on Assets (ROA)	3.68%	4.00%	6.22%
Return on Common Equity (ROCE)	15.81%	14.77%	20.78%
Return on Equity Simple (ROE_SIMPLE)	22.34%	25.83%	41.24%
Net Operating Profit after Tax (NOPAT)	109	101	134
NOPAT Margin	26.16%	28.47%	34.58%
Net Nonoperating Expense Percent (NNEP)	-0.05%	-0.03%	-0.05%
SG&A Expenses to Revenue	25.54%	27.03%	27.24%
Operating Expenses to Revenue	63.14%	63.49%	61.33%
Earnings before Interest and Taxes (EBIT)	137	128	148
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	129	116	21
Valuation Ratios	-	-	-
Price to Book Value (P/BV)	1.67	1.43	1.16
Price to Tangible Book Value (P/TBV)	1.67	1.43	1.16
Price to Revenue (P/Rev)	1.97	1.58	0.98
Price to Earnings (P/E)	9.41	7.26	3.42
Dividend Yield	0.00%	0.00%	0.00%
Earnings Yield	10.63%	13.76%	29.20%
Enterprise Value to Invested Capital (EV/IC)	0.94	0.92	0.83
Enterprise Value to Revenue (EV/Rev)	6.94	6.52	4.86
Enterprise Value to EBITDA (EV/EBITDA)	22.44	20.08	88.61
Enterprise Value to EBIT (EV/EBIT)	21.08	18.17	12.67
Enterprise Value to NOPAT (EV/NOPAT)	26.53	22.91	14.05
Enterprise Value to Operating Cash Flow (EV/OCF)	6.16	5.06	5.41
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00
Leverage & Solvency	-	-	-
Debt to Equity	4.28	3.77	3.87
Long-Term Debt to Equity	4.28	3.77	3.87
Financial Leverage	4.04	3.81	3.61
Leverage Ratio	5.38	5.11	4.86
Compound Leverage Factor	5.43	5.13	4.88
Debt to Total Capital	81.07%	79.02%	79.45%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	81.07%	79.02%	79.45%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	2.83%	5.44%	6.12%
Common Equity to Total Capital	16.11%	15.55%	14.43%
Debt to EBITDA	19.27	17.33	84.67
Net Debt to EBITDA	15.39	14.01	64.26
Long-Term Debt to EBITDA	19.27	17.33	84.67
Debt to NOPAT	22.78	19.77	13.43
Net Debt to NOPAT	18.19	15.99	10.19
Long-Term Debt to NOPAT	22.78	19.77	13.43
Noncontrolling Interest Sharing Ratio	20.18%	27.72%	31.13%
Liquidity Ratios	-	-	-
Cash Flow Metrics	-	-	-
Free Cash Flow to Firm (FCFF)	-413	-175	-280
Operating Cash Flow to CapEx	26,238.40%	11,505.94%	7,164.67%
Free Cash Flow to Firm to Interest Expense	-2.58	-1.60	-3.42
Operating Cash Flow to Interest Expense	2.93	4.20	4.25
Operating Cash Flow Less CapEx to Interest Expense	2.92	4.16	4.19
Efficiency Ratios	-	-	-
Asset Turnover	0.14	0.14	0.18
Fixed Asset Turnover	37.91	33.21	44.64
Capital & Investment Metrics	-	-	-
Invested Capital	3,060	2,539	2,263
Invested Capital Turnover	0.15	0.15	0.19
Increase / (Decrease) in Invested Capital	522	276	414
Enterprise Value (EV)	2,890	2,325	1,882
Market Capitalization	822	564	378
Book Value per Share	$33.44	$27.06	$22.60
Tangible Book Value per Share	$33.44	$27.06	$22.60
Total Capital	3,060	2,539	2,263
Total Debt	2,481	2,006	1,798
Total Long-Term Debt	2,481	2,006	1,798
Net Debt	1,981	1,622	1,364
Capital Expenditures (CapEx)	1.79	3.99	4.85
Net Nonoperating Expense (NNE)	-1.18	-0.50	-0.73
Net Nonoperating Obligations (NNO)	2,481	2,006	1,798
Total Depreciation and Amortization (D&A)	-8.33	-12	-127
Earnings Adjustments	-	-	-
Adjusted Basic Earnings per Share	$5.92	$5.35	$0.00
Adjusted Weighted Average Basic Shares Outstanding	15.12M	14.61M	0.00
Adjusted Diluted Earnings per Share	$4.77	$4.24	$0.00
Adjusted Weighted Average Diluted Shares Outstanding	15.12M	14.61M	0.00
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	15.12M	14.61M	0.00
Normalized Net Operating Profit after Tax (NOPAT)	109	101	134
Normalized NOPAT Margin	26.16%	28.47%	34.58%
Pre Tax Income Margin	33.29%	36.08%	38.55%
Debt Service Ratios	-	-	-
EBIT to Interest Expense	0.86	1.17	1.81
NOPAT to Interest Expense	0.68	0.93	1.64
EBIT Less CapEx to Interest Expense	0.84	1.13	1.75
NOPAT Less CapEx to Interest Expense	0.67	0.89	1.58
Payout Ratios	-	-	-
Dividend Payout Ratio	23.38%	24.43%	18.42%
Augmented Payout Ratio	71.22%	41.77%	84.54%

This table displays calculated financial ratios and metrics derived from Atlanticus' official financial filings.

Metric	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	24.03%	35.14%	17.95%	3.08%	10.37%	11.46%	-4.26%	-14.96%	-19.27%	-35.13%	-20.49%
EBITDA Growth	32.36%	36.17%	2.16%	-14.97%	126.96%	652.34%	7,393.04%	-621.98%	-82.83%	-87.48%	105.98%
EBIT Growth	25.66%	30.94%	16.53%	-11.61%	-5.10%	2.94%	-19.04%	-24.53%	-9.45%	-52.82%	-32.17%
NOPAT Growth	21.65%	18.88%	16.01%	-3.81%	-1.74%	10.73%	-22.68%	-26.37%	-42.15%	-52.59%	-31.37%
Net Income Growth	20.54%	17.88%	16.88%	-2.77%	-0.29%	10.90%	-22.85%	-26.58%	-42.14%	-52.47%	-31.27%
EPS Growth	36.70%	27.93%	23.30%	-2.94%	0.93%	11.00%	-26.95%	-30.14%	-44.90%	-53.05%	-28.06%
Operating Cash Flow Growth	10.75%	-7.59%	-3.85%	6.99%	16.81%	30.08%	25.61%	50.42%	25.94%	39.77%	525.44%
Free Cash Flow Firm Growth	-14.88%	-96.12%	-31.83%	-10.81%	12.06%	35.89%	59.04%	55.17%	41.11%	42.08%	-83.53%
Invested Capital Growth	16.37%	20.54%	16.69%	14.66%	16.53%	12.20%	14.66%	15.44%	22.95%	22.38%	52.55%
Revenue Q/Q Growth	-4.19%	18.60%	14.52%	-4.69%	4.39%	3.52%	0.09%	2.05%	5.42%	-11.09%	-11.10%
EBITDA Q/Q Growth	3.15%	-62.99%	716.11%	-417.02%	-9.65%	-72.23%	793.36%	-725.83%	-37.56%	176.57%	-51.70%
EBIT Q/Q Growth	2.56%	6.88%	31.16%	-12.60%	6.86%	-4.88%	-0.51%	-6.16%	15.91%	-25.19%	-7.25%
NOPAT Q/Q Growth	0.54%	6.06%	21.73%	-6.28%	-1.75%	3.51%	0.93%	-4.27%	10.71%	-27.72%	-3.88%
Net Income Q/Q Growth	0.49%	6.11%	20.98%	-6.55%	-1.73%	5.21%	0.64%	-4.17%	9.30%	-26.82%	-4.22%
EPS Q/Q Growth	4.93%	11.81%	28.28%	-9.17%	-1.80%	7.77%	0.98%	-5.56%	8.00%	-29.08%	-3.42%
Operating Cash Flow Q/Q Growth	7.32%	9.11%	-2.84%	-2.65%	-10.46%	13.52%	8.12%	6.28%	-0.29%	9.63%	29.47%
Free Cash Flow Firm Q/Q Growth	19.10%	-29.31%	-20.49%	8.86%	-38.11%	13.08%	-1.29%	27.67%	-0.69%	44.46%	-10.84%
Invested Capital Q/Q Growth	-0.56%	7.17%	7.77%	1.33%	3.01%	3.74%	5.89%	2.98%	-0.82%	6.02%	6.61%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	32.81%	30.48%	97.66%	-18.15%	5.46%	30.25%	112.75%	-16.28%	2.65%	4.48%	1.44%
EBIT Margin	34.10%	31.85%	35.35%	30.86%	33.66%	32.87%	35.78%	35.99%	39.14%	35.60%	42.31%
Profit (Net Income) Margin	26.15%	24.94%	27.87%	26.39%	26.91%	28.59%	28.13%	27.97%	29.79%	28.73%	34.91%
Tax Burden Percent	76.15%	77.69%	78.28%	84.35%	78.67%	85.57%	78.64%	77.51%	75.98%	79.54%	82.33%
Interest Burden Percent	100.72%	100.77%	100.73%	101.35%	101.65%	101.62%	99.98%	100.27%	100.17%	101.46%	100.20%
Effective Tax Rate	23.85%	22.31%	21.72%	15.65%	21.33%	14.43%	21.36%	22.49%	24.02%	20.46%	17.67%
Return on Invested Capital (ROIC)	4.03%	3.68%	4.01%	3.86%	3.98%	4.18%	4.26%	4.54%	5.36%	5.33%	8.51%
ROIC Less NNEP Spread (ROIC-NNEP)	4.04%	3.69%	4.02%	3.88%	4.00%	4.20%	4.26%	4.54%	5.36%	5.35%	8.52%
Return on Net Nonoperating Assets (RNNOA)	16.34%	14.89%	15.63%	14.06%	14.73%	16.00%	16.05%	16.51%	18.93%	19.32%	26.99%
Return on Equity (ROE)	20.37%	18.57%	19.64%	17.92%	18.71%	20.18%	20.31%	21.05%	24.28%	24.66%	35.51%
Cash Return on Invested Capital (CROIC)	-11.08%	-14.74%	-11.48%	-9.63%	-11.12%	-7.28%	-9.34%	-9.40%	-14.93%	-13.61%	-32.57%
Operating Return on Assets (OROA)	4.94%	4.44%	4.82%	4.29%	4.76%	4.60%	5.12%	5.52%	6.68%	6.36%	9.78%
Return on Assets (ROA)	3.79%	3.47%	3.80%	3.67%	3.81%	4.00%	4.02%	4.29%	5.08%	5.14%	8.07%
Return on Common Equity (ROCE)	17.22%	14.82%	15.12%	13.32%	13.74%	14.58%	14.46%	14.78%	16.78%	16.98%	23.88%
Return on Equity Simple (ROE_SIMPLE)	21.66%	0.00%	23.03%	23.33%	24.49%	0.00%	26.37%	29.38%	33.41%	0.00%	52.29%
Net Operating Profit after Tax (NOPAT)	31	31	29	24	25	26	25	25	26	23	32
NOPAT Margin	25.97%	24.74%	27.67%	26.03%	26.48%	28.13%	28.13%	27.90%	29.74%	28.32%	34.83%
Net Nonoperating Expense Percent (NNEP)	-0.01%	-0.01%	-0.01%	-0.02%	-0.02%	-0.02%	0.00%	0.00%	0.00%	-0.02%	0.00%
SG&A Expenses to Revenue	30.12%	24.07%	25.92%	27.94%	24.74%	28.55%	26.99%	28.31%	24.17%	26.34%	23.09%
Operating Expenses to Revenue	65.01%	62.48%	60.23%	67.23%	63.28%	66.47%	63.62%	63.66%	60.05%	63.74%	57.28%
Earnings before Interest and Taxes (EBIT)	41	40	37	28	32	30	32	32	34	29	39
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	39	38	102	-17	5.24	28	100	-14	2.31	3.70	1.34
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.45	1.67	1.13	0.96	1.04	1.43	1.16	1.67	1.13	1.16	1.24
Price to Tangible Book Value (P/TBV)	1.45	1.67	1.13	0.96	1.04	1.43	1.16	1.67	1.13	1.16	1.24
Price to Revenue (P/Rev)	1.76	1.97	1.35	1.13	1.18	1.58	1.26	1.73	1.07	0.98	0.88
Price to Earnings (P/E)	8.10	9.41	6.38	5.43	5.58	7.26	5.80	7.34	4.27	3.42	2.78
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	12.34%	10.63%	15.67%	18.40%	17.93%	13.76%	17.23%	13.62%	23.39%	29.20%	35.94%
Enterprise Value to Invested Capital (EV/IC)	0.93	0.94	0.89	0.84	0.82	0.92	0.86	0.94	0.83	0.83	0.85
Enterprise Value to Revenue (EV/Rev)	6.42	6.94	6.59	6.05	5.88	6.52	6.08	6.16	5.06	4.86	4.21
Enterprise Value to EBITDA (EV/EBITDA)	20.41	22.44	0.00	0.00	0.00	20.08	22.99	0.00	183.61	88.61	38.68
Enterprise Value to EBIT (EV/EBIT)	19.41	21.08	19.81	18.17	17.03	18.17	16.59	16.06	12.80	12.67	10.04
Enterprise Value to NOPAT (EV/NOPAT)	24.66	26.53	24.32	22.25	21.28	22.91	21.31	20.34	16.12	14.05	11.39
Enterprise Value to Operating Cash Flow (EV/OCF)	5.85	6.16	5.28	4.60	4.51	5.06	4.92	5.34	5.03	5.41	5.71
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	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	4.35	4.28	4.02	3.64	3.72	3.77	3.75	3.61	3.63	3.87	3.78
Long-Term Debt to Equity	4.35	4.28	4.02	3.64	3.72	3.77	3.75	3.61	3.63	3.87	3.78
Financial Leverage	4.04	4.04	3.89	3.62	3.68	3.81	3.77	3.64	3.53	3.61	3.17
Leverage Ratio	5.40	5.38	5.20	4.93	4.97	5.11	5.05	4.91	4.79	4.86	4.41
Compound Leverage Factor	5.44	5.42	5.24	5.00	5.05	5.19	5.05	4.93	4.79	4.93	4.42
Debt to Total Capital	81.31%	81.07%	80.06%	78.44%	78.83%	79.02%	78.97%	78.30%	78.40%	79.45%	79.10%
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%	0.00%
Long-Term Debt to Total Capital	81.31%	81.07%	80.06%	78.44%	78.83%	79.02%	78.97%	78.30%	78.40%	79.45%	79.10%
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%	0.00%
Noncontrolling Interests to Total Capital	1.19%	2.83%	3.91%	5.19%	5.26%	5.44%	5.64%	5.98%	6.16%	6.12%	6.50%
Common Equity to Total Capital	17.51%	16.11%	16.03%	16.37%	15.91%	15.55%	15.40%	15.72%	15.44%	14.43%	14.41%
Debt to EBITDA	17.89	19.27	-476.21	-298.56	-429.40	17.33	21.08	-254.87	174.12	84.67	35.88
Net Debt to EBITDA	14.55	15.39	-396.08	-240.08	-328.94	14.01	16.72	-199.32	131.12	64.26	27.66
Long-Term Debt to EBITDA	17.89	19.27	-476.21	-298.56	-429.40	17.33	21.08	-254.87	174.12	84.67	35.88
Debt to NOPAT	21.62	22.78	21.97	20.78	20.41	19.77	19.53	17.03	15.28	13.43	10.57
Net Debt to NOPAT	17.59	18.19	18.28	16.71	15.64	15.99	15.49	13.32	11.51	10.19	8.15
Long-Term Debt to NOPAT	21.62	22.78	21.97	20.78	20.41	19.77	19.53	17.03	15.28	13.43	10.57
Noncontrolling Interest Sharing Ratio	15.48%	20.18%	23.03%	25.69%	26.57%	27.72%	28.79%	29.76%	30.89%	31.13%	32.74%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-397	-491	-380	-315	-346	-250	-288	-284	-393	-390	-703
Operating Cash Flow to CapEx	4,911.24%	0.00%	0.00%	172,601.49%	185,618.75%	0.00%	0.00%	10,463.60%	3,678.05%	2,870.53%	13,328.65%
Free Cash Flow to Firm to Interest Expense	-8.35	-10.99	-8.93	-8.30	-9.86	-7.67	-10.18	-11.74	-16.22	-16.26	-32.67
Operating Cash Flow to Interest Expense	2.77	2.74	2.64	3.05	3.39	4.07	4.13	4.46	4.20	4.25	4.32
Operating Cash Flow Less CapEx to Interest Expense	2.71	2.74	2.64	3.05	3.39	4.07	4.13	4.42	4.08	4.10	4.29
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.15	0.14	0.14	0.14	0.14	0.14	0.14	0.15	0.17	0.18	0.23
Fixed Asset Turnover	37.79	37.91	35.41	32.26	31.75	33.21	36.48	36.27	38.61	44.64	108.12
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	3,043	3,060	2,856	2,650	2,615	2,539	2,447	2,311	2,244	2,263	2,134
Invested Capital Turnover	0.16	0.15	0.14	0.15	0.15	0.15	0.15	0.16	0.18	0.19	0.24
Increase / (Decrease) in Invested Capital	428	522	409	339	371	276	313	309	419	414	735
Enterprise Value (EV)	2,822	2,890	2,531	2,226	2,149	2,325	2,108	2,161	1,855	1,882	1,820
Market Capitalization	773	822	517	417	432	564	437	608	392	378	380
Book Value per Share	$35.22	$33.44	$31.04	$29.33	$28.47	$27.06	$26.11	$25.12	$23.97	$22.60	$21.23
Tangible Book Value per Share	$35.22	$33.44	$31.04	$29.33	$28.47	$27.06	$26.11	$25.12	$23.97	$22.60	$21.23
Total Capital	3,043	3,060	2,856	2,650	2,615	2,539	2,447	2,311	2,244	2,263	2,134
Total Debt	2,474	2,481	2,286	2,079	2,062	2,006	1,932	1,810	1,759	1,798	1,688
Total Long-Term Debt	2,474	2,481	2,286	2,079	2,062	2,006	1,932	1,810	1,759	1,798	1,688
Net Debt	2,013	1,981	1,902	1,671	1,579	1,622	1,532	1,415	1,325	1,364	1,301
Capital Expenditures (CapEx)	2.68	0.00	0.00	0.07	0.06	0.00	0.00	1.03	2.77	3.55	0.70
Net Nonoperating Expense (NNE)	-0.22	-0.24	-0.21	-0.32	-0.42	-0.42	0.00	-0.07	-0.04	-0.34	-0.07
Net Nonoperating Obligations (NNO)	2,474	2,481	2,286	2,079	2,062	2,006	1,932	1,810	1,759	1,798	1,688
Total Depreciation and Amortization (D&A)	-1.53	-1.71	65	-45	-27	-2.42	68	-46	-32	-26	-38
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$1.85	$1.77	$1.58	$1.22	$1.35	$1.37	$1.30	$1.30	$1.38	$1.24	$1.81
Adjusted Weighted Average Basic Shares Outstanding	15.13M	15.12M	14.74M	14.74M	14.79M	14.61M	14.59M	14.43M	14.46M	14.45M	14.45M
Adjusted Diluted Earnings per Share	$1.49	$1.42	$1.27	$0.99	$1.09	$1.11	$1.03	$1.02	$1.08	$1.00	$1.41
Adjusted Weighted Average Diluted Shares Outstanding	15.13M	15.12M	14.74M	14.74M	14.79M	14.61M	14.59M	14.43M	14.46M	14.45M	14.45M
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	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	15.13M	15.12M	14.74M	14.74M	14.79M	14.61M	14.59M	14.43M	14.46M	14.45M	14.45M
Normalized Net Operating Profit after Tax (NOPAT)	31	31	29	24	25	26	25	25	26	23	32
Normalized NOPAT Margin	25.97%	24.74%	27.67%	26.03%	26.48%	28.13%	28.13%	27.90%	29.74%	28.32%	34.83%
Pre Tax Income Margin	34.34%	32.10%	35.60%	31.28%	34.21%	33.41%	35.77%	36.09%	39.21%	36.12%	42.40%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.85	0.89	0.87	0.74	0.92	0.93	1.12	1.32	1.40	1.22	1.82
NOPAT to Interest Expense	0.65	0.69	0.68	0.63	0.72	0.79	0.88	1.02	1.07	0.97	1.50
EBIT Less CapEx to Interest Expense	0.80	0.89	0.87	0.74	0.92	0.93	1.12	1.28	1.29	1.07	1.79
NOPAT Less CapEx to Interest Expense	0.59	0.69	0.68	0.63	0.72	0.79	0.88	0.98	0.95	0.82	1.47
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	21.75%	23.38%	24.66%	24.69%	24.46%	24.43%	25.04%	23.28%	21.62%	18.42%	15.42%
Augmented Payout Ratio	111.33%	71.22%	54.03%	39.04%	40.40%	41.77%	39.50%	38.17%	43.89%	84.54%	82.87%

Frequently Asked Questions About Atlanticus' Financials

When does Atlanticus's fiscal year end?

According to the most recent income statement we have on file, Atlanticus' financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Atlanticus' net income changed over the last 2 years?

Atlanticus' 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 revenue changed over the last 2 years?

Over the last 2 years, Atlanticus' 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 have?

Atlanticus' 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 have?

In the past 2 years, Atlanticus' 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' book value per share changed over the last 2 years?

Over the last 2 years, Atlanticus' 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:ATLCP) was last updated on 5/27/2025 by MarketBeat.com Staff

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Atlanticus (ATLCP) Financials

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Atlanticus (ATLCP) Financials

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