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

$25.21 +0.02 (+0.08%)
As of 05/19/2025 03:59 PM Eastern
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 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

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 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

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 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

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 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

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 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

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 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

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 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%

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 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 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 5/20/2025 by MarketBeat.com Staff
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