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

$25.51 -0.08 (-0.31%)
As of 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 7.18 1.71 -6.34 -13 7.86 25 77 156 111 78 87
Consolidated Net Income / (Loss)		 7.33 1.71 -6.34 -41 7.61 26 94 178 135 102 110
Net Income / (Loss) Continuing Operations		 7.33 1.71 -6.34 -13 90 26 94 178 135 102 110
Total Pre-Tax Income 		-27 3.54 -12 -47 3.48 32 114 220 149 129 139
Total Revenue		 169 152 116 135 242 407 400 442 387 356 416
Net Interest Income / (Expense)		 50 52 68 115 124 293 374 495 747 807 880
Total Interest Income		 74 70 89 115 161 344 426 549 829 916 1,040
Loans and Leases Interest Income		 73 70 88 114 161 330 411 519 786 879 980
Other Interest Income		 0.35 0.09 0.23 0.22 0.20 14 15 31 43 37 60
Total Interest Expense		 24 18 20 0.00 37 51 52 54 82 109 160
Long-Term Debt Interest Expense		 24 18 20 - 37 51 52 54 82 109 160
Total Non-Interest Income		 120 100 47 21 118 114 25 -54 -360 -451 -464
Other Service Charges		 96 59 22 14 112 112 134 194 217 239 270
Other Non-Interest Income		 4.85 39 22 6.43 5.56 2.09 -109 -219 -577 -690 -733
Provision for Credit Losses		 31 27 54 68 101 248 143 36 1.25 2.15 16
Total Non-Interest Expense		 166 122 74 87 92 126 146 190 237 226 263
Salaries and Employee Benefits		 20 20 24 23 23 26 29 34 43 44 50
Marketing Expense		 2.38 2.24 4.90 13 12 36 35 57 62 52 56
Other Operating Expenses		 75 59 31 50 37 63 81 98 130 127 154
Depreciation Expense		 69 41 7.48 1.02 0.99 1.14 1.25 1.49 2.18 2.56 2.72
Nonoperating Income / (Expense), net		 - - - - - - 3.40 4.20 0.81 0.63 1.49
Income Tax Expense		 -35 1.83 -6.02 -6.38 -4.13 5.55 20 42 15 27 28
Preferred Stock Dividends Declared		 - - - - 0.00 1.15 17 22 25 25 24
Net Income / (Loss) Attributable to Noncontrolling Interest		 0.15 -0.01 -0.01 -0.09 -0.24 -0.23 -0.20 -0.11 -0.99 -0.89 -1.19
Basic Earnings per Share		 $0.51 $0.12 ($0.46) ($2.93) $0.56 $1.74 $5.32 $10.32 $7.55 $5.35 $5.92
Weighted Average Basic Shares Outstanding		 13.93M 13.90M 13.95M 15.36M 15.96M 15.92M 16.42M 14.88M 14.45M 14.61M 15.12M
Diluted Earnings per Share		 $0.51 $0.12 ($0.46) ($2.93) $0.56 $1.66 $3.95 $7.56 $5.83 $4.24 $4.77
Weighted Average Diluted Shares Outstanding		 13.93M 13.90M 13.95M 15.36M 15.96M 15.92M 16.42M 14.88M 14.45M 14.61M 15.12M
Weighted Average Basic & Diluted Shares Outstanding		 13.93M 13.90M 13.95M 15.36M 15.96M 15.92M 16.42M 14.88M 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 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 26 18 20 19 19 20 20 18 23 26 28
Consolidated Net Income / (Loss)		 32 24 26 25 25 26 26 24 29 31 31
Net Income / (Loss) Continuing Operations		 32 24 26 25 25 26 26 24 29 31 31
Total Pre-Tax Income 		39 30 34 32 32 31 33 29 37 40 41
Total Revenue		 93 82 87 89 89 92 96 91 105 124 119
Net Interest Income / (Expense)		 208 197 192 204 207 204 207 218 230 225 219
Total Interest Income		 229 221 217 228 235 237 242 256 272 269 267
Loans and Leases Interest Income		 218 212 210 220 225 225 230 242 255 252 248
Other Interest Income		 11 8.78 6.92 7.84 10 12 12 14 17 18 19
Total Interest Expense		 22 24 24 24 28 33 35 38 42 45 48
Long-Term Debt Interest Expense		 22 24 24 24 28 33 35 38 42 45 48
Total Non-Interest Income		 -115 -114 -105 -115 -118 -112 -111 -127 -125 -101 -100
Other Service Charges		 49 48 44 63 60 72 48 60 79 84 78
Other Non-Interest Income		 -164 -162 -150 -178 -178 -184 -159 -186 -204 -184 -178
Provision for Credit Losses		 0.38 0.54 0.70 0.31 0.54 0.60 2.94 1.75 4.63 7.05 1.07
Total Non-Interest Expense		 53 53 52 56 56 61 61 61 63 78 77
Salaries and Employee Benefits		 10 11 11 11 11 11 13 12 12 13 16
Marketing Expense		 11 11 10 14 13 15 10 14 15 17 20
Other Operating Expenses		 31 30 31 31 32 34 36 35 35 47 41
Depreciation Expense		 0.49 0.55 0.62 0.64 0.65 0.65 0.65 0.65 0.66 0.75 0.80
Nonoperating Income / (Expense), net		 0.08 0.43 0.06 0.09 -0.01 0.49 0.53 0.38 0.27 0.31 0.29
Income Tax Expense		 6.95 6.09 8.19 7.20 6.79 4.43 7.00 4.48 8.10 8.90 9.75
Preferred Stock Dividends Declared		 6.30 6.32 6.23 6.29 6.34 6.34 6.29 6.31 6.32 5.01 3.57
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 -0.40
Basic Earnings per Share		 $1.81 $1.24 $1.38 $1.30 $1.30 $1.37 $1.35 $1.22 $1.58 $1.77 $1.85
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 15.13M
Diluted Earnings per Share		 $1.41 $1.00 $1.08 $1.02 $1.03 $1.11 $1.09 $0.99 $1.27 $1.42 $1.49
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 15.13M
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 15.13M

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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 -11 11 25 -22 71 35 83 248 -73 -50 116
Net Cash From Operating Activities		 -21 0.86 39 -26 43 100 213 212 348 459 469
Net Cash From Continuing Operating Activities		 -21 0.86 39 -26 144 100 213 212 348 459 468
Net Income / (Loss) Continuing Operations		 7.33 1.71 -6.34 -41 7.61 26 94 178 135 102 110
Consolidated Net Income / (Loss)		 7.33 1.71 -6.34 -41 7.61 26 94 178 135 102 110
Provision For Loan Losses		 31 27 54 78 100 248 143 36 1.25 2.15 16
Depreciation Expense		 68 41 7.48 1.02 0.99 7.69 7.95 2.49 4.85 4.04 5.19
Amortization Expense		 -33 -40 -41 -58 -72 -112 -105 -161 -132 -16 -14
Non-Cash Adjustments to Reconcile Net Income		 -53 -24 2.18 -9.09 1.29 -17 -9.38 22 21 -84 -113
Changes in Operating Assets and Liabilities, net		 -40 -3.33 23 2.56 5.13 -54 82 135 318 451 463
Net Cash From Investing Activities		 29 15 -76 -80 -135 -434 -293 -475 -682 -672 -747
Net Cash From Continuing Investing Activities		 29 15 -76 -80 1,084 -434 -293 -475 -682 -672 -747
Purchase of Property, Leasehold Improvements and Equipment		 -4.07 -0.88 -0.35 -0.40 -1.38 -0.25 -0.75 - -4.85 -3.99 -1.79
Purchase of Investment Securities		 -219 -271 -381 -467 -608 -1,099 -1,331 -2,026 -2,546 -2,516 -2,629
Sale and/or Maturity of Investments		 244 276 296 383 472 664 1,039 1,550 1,869 1,848 1,884
Other Investing Activities, net		 8.12 11 9.42 3.64 2.35 1.52 - 0.56 - 0.00 0.00
Net Cash From Financing Activities		 -18 -3.57 63 85 162 369 162 510 261 163 394
Net Cash From Continuing Financing Activities		 -18 -3.56 63 85 1,102 369 162 510 261 163 394
Issuance of Debt		 116 165 242 325 632 873 588 1,066 681 955 1,029
Issuance of Preferred Equity		 - - - - 0.00 40 0.00 75 0.44 1.12 1.08
Issuance of Common Equity		 - - - - - - - - - 0.00 7.07
Repayment of Debt		 -134 -168 -178 -240 -470 -592 -460 -586 -310 -754 -566
Repurchase of Common Equity		 -0.26 -0.26 -0.95 -0.39 -0.72 -2.52 -3.35 -25 -89 -18 -53
Payment of Dividends		 -0.14 -0.00 - - - 0.00 -14 -22 -25 -25 -26
Other Financing Activities, Net		 - 0.01 0.00 0.01 0.05 50 51 2.27 3.85 3.41 0.89
Effect of Exchange Rate Changes		 -1.01 -0.72 -1.62 0.17 1.01 -0.35 0.02 -0.01 -0.04 0.00 0.00
Cash Interest Paid		 24 18 19 25 33 46 47 48 75 99 146
Cash Income Taxes Paid		 0.07 1.12 0.44 0.26 4.75 0.02 0.33 20 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 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Net Change in Cash & Equivalents		 20 47 1.32 -40 5.62 -16 99 -75 -22 115 -38
Net Cash From Operating Activities		 93 102 102 108 117 133 119 116 112 123 132
Net Cash From Continuing Operating Activities		 93 102 102 108 117 133 119 116 112 121 131
Net Income / (Loss) Continuing Operations		 32 24 26 25 25 26 26 24 29 31 31
Consolidated Net Income / (Loss)		 32 24 26 25 25 26 26 24 29 31 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 1.07
Depreciation Expense		 0.69 0.75 0.84 0.85 1.09 1.26 1.25 1.25 1.28 1.40 1.60
Amortization Expense		 -39 -26 -33 -47 67 -3.67 -4.04 -46 64 -3.11 -3.13
Non-Cash Adjustments to Reconcile Net Income		 0.72 22 0.75 0.85 404 -490 -17 0.30 456 -569 -24
Changes in Operating Assets and Liabilities, net		 97 82 106 128 -381 598 110 134 -443 654 124
Net Cash From Investing Activities		 -170 -158 -53 -188 -220 -211 -68 -197 -306 -176 -115
Net Cash From Continuing Investing Activities		 -170 -158 -53 -188 -220 -211 -68 -197 -306 -176 -115
Purchase of Property, Leasehold Improvements and Equipment		 -0.70 -3.55 -2.77 -1.03 - - -0.06 -0.07 - - -2.68
Purchase of Investment Securities		 -653 -599 -545 -647 -672 -652 -560 -678 -764 -627 -621
Sale and/or Maturity of Investments		 484 445 495 460 449 445 492 481 458 452 509
Other Investing Activities, net		 - - - - - - 0.00 - - - 0.00
Net Cash From Financing Activities		 98 102 -47 40 108 62 47 6.43 171 168 -55
Net Cash From Continuing Financing Activities		 98 102 -47 40 108 62 47 6.43 171 168 -55
Issuance of Debt		 231 199 55 197 420 283 162 317 275 276 300
Issuance of Preferred Equity		 0.19 0.25 1.07 0.04 0.01 - 1.07 - - 0.01 0.31
Issuance of Common Equity		 - - - - - - 0.00 - - - 12
Repayment of Debt		 -118 -91 -95 -148 -299 -212 -109 -303 -70 -85 -311
Repurchase of Common Equity		 -11 - -1.98 -2.99 -9.40 -3.31 -0.54 -1.27 -26 -25 -51
Payment of Dividends		 -6.19 -6.23 -6.25 -6.18 -6.22 -6.26 -6.26 -6.24 -7.24 -6.00 -5.62
Other Financing Activities, Net		 0.81 0.21 0.02 0.04 3.03 0.32 -0.15 0.05 0.03 0.96 0.41
Cash Interest Paid		 20 22 23 22 25 29 33 32 40 41 43
Cash Income Taxes Paid		 0.04 0.01 0.03 0.40 1.25 -0.22 -0.04 0.22 0.01 0.04 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Total Assets		 268 281 363 426 583 936 1,207 1,944 2,388 2,706 3,271
Cash and Due from Banks		 40 51 76 41 61 135 178 410 385 339 375
Restricted Cash		 23 21 17 29 81 41 81 97 48 44 124
Loans and Leases, Net of Allowance		 0.00 169 601 294 664 726 920 384 1,922 2,174 2,630
Loans and Leases		 - 169 601 294 418 726 920 384 1,923 2,174 2,630
Premises and Equipment, Net		 7.04 5.69 3.83 3.23 3.63 2.74 2.24 7.34 10 11 11
Other Assets		 75 24 35 53 16 29 24 1,046 23 138 130
Total Liabilities & Shareholders' Equity		 268 281 363 426 583 936 1,207 1,944 2,388 2,706 3,271
Total Liabilities		 261 270 357 462 605 847 991 1,517 1,923 2,174 2,691
Long-Term Debt		 200 196 254 337 499 777 910 1,422 1,798 2,006 2,481
Other Long-Term Liabilities		 61 22 16 9.13 0.25 70 40 53 125 168 210
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Redeemable Noncontrolling Interest		 - - - - 0.00 89 139 140 140 140 90
Total Equity & Noncontrolling Interests		 7.44 11 5.78 -36 -22 0.34 77 287 325 392 489
Total Preferred & Common Equity		 7.44 11 5.79 -36 -22 0.91 77 288 326 395 493
Preferred Stock		 - - - - - - 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 7.44 11 5.79 -36 -22 0.91 77 288 326 395 493
Common Stock		 211 211 212 213 213 213 195 228 122 87 98
Retained Earnings		 -201 -200 -206 -247 -239 -212 -118 60 204 307 395
Noncontrolling Interest		 0.00 -0.01 -0.01 -0.09 -0.34 -0.57 -0.77 -0.50 -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 Q2 2022 Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025
Period end date 6/30/2022 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025
Total Assets		 2,116 2,252 2,375 2,455 2,597 2,787 2,837 3,040 3,272
Cash and Due from Banks		 316 353 390 343 356 445 351 309 350
Restricted Cash		 50 34 45 52 44 37 56 76 111
Loans and Leases, Net of Allowance		 1,703 1,817 0.00 1,916 2,050 2,151 0.00 2,512 2,669
Loans and Leases		 1,703 1,817 - 1,916 2,050 2,151 - 2,512 2,669
Premises and Equipment, Net		 6.79 7.00 12 13 12 11 10 9.68 12
Other Assets		 40 41 1,929 132 135 143 2,420 134 130
Total Liabilities & Shareholders' Equity		 2,116 2,252 2,375 2,455 2,597 2,787 2,837 3,040 3,272
Total Liabilities		 1,687 1,806 1,891 1,953 2,082 2,234 2,266 2,471 2,703
Long-Term Debt		 1,573 1,688 1,759 1,810 1,932 2,062 2,079 2,286 2,474
Other Long-Term Liabilities		 67 75 131 96 102 113 187 184 229
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Redeemable Noncontrolling Interest		 140 140 140 140 140 140 140 115 40
Total Equity & Noncontrolling Interests		 289 306 345 361 375 413 431 454 529
Total Preferred & Common Equity		 290 307 346 363 377 416 434 458 533
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 290 307 346 363 377 416 434 458 533
Common Stock		 142 127 116 108 96 89 89 89 110
Retained Earnings		 148 180 231 256 281 327 345 368 423
Noncontrolling Interest		 -0.98 -1.18 -1.69 -1.96 -2.23 -2.75 -2.91 -3.26 -3.86

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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 40.84% -10.26% -23.98% 17.22% 78.70% 67.99% -1.63% 10.41% -12.31% -7.97% 16.83%
EBITDA Growth		 270.38% -50.16% -1,317.59% -64.59% 70.28% -219.86% 119.68% 300.89% -62.86% 445.26% 11.21%
EBIT Growth		 -19.87% 112.95% -449.53% -58.22% 349.91% -34.99% 249.43% 94.05% -31.07% -13.83% 7.16%
NOPAT Growth		 -19.87% 108.93% -606.99% -282.41% 123.01% 244.32% 247.67% 91.38% -23.23% -24.22% 7.36%
Net Income Growth		 141.48% -76.72% -471.69% -544.57% 118.62% 244.32% 258.33% 89.30% -24.29% -24.26% 8.00%
EPS Growth		 139.53% -76.47% -483.33% -536.96% 119.11% 196.43% 137.95% 91.39% -22.88% -27.27% 12.50%
Operating Cash Flow Growth		 22.80% 104.17% 4,415.63% -167.85% 261.90% 133.25% 112.81% -0.17% 63.69% 32.13% 2.20%
Free Cash Flow Firm Growth		 27.44% -88.73% -2,622.61% -19.13% -127.93% -116.25% 53.81% -226.58% 49.01% 37.58% -136.24%
Invested Capital Growth		 -16.47% -0.36% 25.79% 15.67% 58.47% 81.83% 29.91% 64.24% 22.38% 12.20% 20.54%
Revenue Q/Q Growth		 2.05% -6.45% -2.51% 17.24% 90.98% -14.29% -2.21% 8.69% -10.34% 2.73% 8.41%
EBITDA Q/Q Growth		 -38.34% -66.48% -32.79% 10.86% 81.39% -182.84% 121.72% 39.46% -54.87% 26.29% 2,781.92%
EBIT Q/Q Growth		 2.20% 312.49% -50.21% 43.89% 193.85% -82.10% 130.06% 18.27% -18.12% 0.68% 7.32%
NOPAT Q/Q Growth		 2.20% -95.64% -50.21% -54.04% 131.97% -34.91% 30.85% 16.48% -16.20% 2.55% 4.69%
Net Income Q/Q Growth		 130.47% -95.64% -0.25% -65.99% 119.04% -50.65% 34.86% 15.01% -16.27% 2.60% 4.46%
EPS Q/Q Growth		 129.65% -95.70% -2.22% -64.61% 123.33% -48.45% 35.74% 15.24% -16.24% 2.66% 6.95%
Operating Cash Flow Q/Q Growth		 18.01% 109.30% 19.17% -1,253.38% 366.09% -12.88% 19.85% 3.92% 9.11% 7.16% -2.10%
Free Cash Flow Firm Q/Q Growth		 5.80% -94.47% -48.41% 10.96% -126.00% -23.68% 20.43% -95.77% 51.37% 18.37% -35.51%
Invested Capital Q/Q Growth		 -1.66% 0.48% 7.57% -0.79% 34.72% 25.93% 16.18% 32.16% 6.02% 3.74% 7.17%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 4.51% 2.50% -40.09% -56.29% -9.36% -17.82% 3.57% 12.95% 5.48% 32.49% 30.93%
EBIT Margin		 -16.12% 2.33% -10.69% -14.44% 20.19% 7.81% 27.75% 48.78% 38.34% 35.90% 32.93%
Profit (Net Income) Margin		 4.33% 1.12% -5.49% -30.18% 3.15% 6.45% 23.48% 40.26% 34.77% 28.61% 26.45%
Tax Burden Percent		 -26.83% 48.26% 51.32% 86.50% 218.61% 82.52% 82.10% 80.97% 90.18% 79.31% 79.45%
Interest Burden Percent		 100.00% 100.00% 100.00% 241.69% 7.13% 100.00% 103.07% 101.95% 100.54% 100.49% 101.09%
Effective Tax Rate		 0.00% 51.74% 0.00% 0.00% -118.61% 17.48% 17.90% 19.03% 9.82% 20.69% 20.55%
Return on Invested Capital (ROIC)		 -8.39% 0.82% -3.71% -11.80% 1.96% 3.90% 9.15% 11.72% 6.51% 4.23% 3.89%
ROIC Less NNEP Spread (ROIC-NNEP)		 3.44% 0.82% -2.68% -14.43% 1.96% 3.90% 9.48% 12.02% 6.56% 4.25% 3.94%
Return on Net Nonoperating Assets (RNNOA)		 178.78% 17.73% -72.11% 281.13% -28.09% 74.04% 52.39% 43.57% 23.67% 16.21% 15.91%
Return on Equity (ROE)		 170.40% 18.55% -75.81% 269.34% -26.13% 77.94% 61.54% 55.30% 30.18% 20.44% 19.80%
Cash Return on Invested Capital (CROIC)		 9.56% 1.19% -26.55% -26.32% -43.29% -54.17% -16.87% -36.90% -13.61% -7.28% -14.74%
Operating Return on Assets (OROA)		 -8.80% 1.29% -3.84% -4.96% 9.69% 4.18% 10.36% 13.67% 6.85% 5.02% 4.59%
Return on Assets (ROA)		 2.36% 0.62% -1.97% -10.37% 1.51% 3.45% 8.76% 11.28% 6.22% 4.00% 3.68%
Return on Common Equity (ROCE)		 170.49% 18.56% -75.89% 268.41% -25.94% -24.20% 15.76% 31.41% 20.78% 14.77% 15.81%
Return on Equity Simple (ROE_SIMPLE)		 98.47% 15.57% -109.57% 113.43% -34.93% 2,892.94% 121.52% 61.73% 41.24% 25.83% 22.34%
Net Operating Profit after Tax (NOPAT)		 -19 1.71 -8.65 -33 7.61 26 91 174 134 101 109
NOPAT Margin		 -11.29% 1.12% -7.49% -24.42% 3.15% 6.45% 22.79% 39.49% 34.58% 28.47% 26.16%
Net Nonoperating Expense Percent (NNEP)		 -11.82% 0.00% -1.03% 2.64% 0.00% 0.00% -0.33% -0.29% -0.05% -0.03% -0.05%
SG&A Expenses to Revenue		 13.08% 14.51% 31.19% 26.45% 22.37% 15.40% 16.03% 20.53% 27.24% 27.03% 25.54%
Operating Expenses to Revenue		 97.92% 80.17% 64.20% 64.11% 38.12% 31.09% 36.56% 42.97% 61.33% 63.49% 63.14%
Earnings before Interest and Taxes (EBIT)		 -27 3.54 -12 -20 49 32 111 215 148 128 137
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 7.63 3.80 -46 -76 -23 -72 14 57 21 116 129
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 4.40 4.05 6.83 0.00 0.00 157.82 5.09 3.74 1.16 1.43 1.67
Price to Tangible Book Value (P/TBV)		 4.40 4.05 6.83 0.00 0.00 157.82 5.09 3.74 1.16 1.43 1.67
Price to Revenue (P/Rev)		 0.19 0.29 0.34 0.25 0.23 0.35 0.98 2.44 0.98 1.58 1.97
Price to Earnings (P/E)		 4.56 25.92 0.00 0.00 7.12 5.65 5.10 6.92 3.42 7.26 9.41
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		 21.91% 3.86% 0.00% 0.00% 14.04% 17.69% 19.60% 14.45% 29.20% 13.76% 10.63%
Enterprise Value to Invested Capital (EV/IC)		 0.81 0.81 0.77 0.99 0.87 0.96 1.05 1.15 0.83 0.92 0.94
Enterprise Value to Revenue (EV/Rev)		 1.00 1.10 1.74 2.21 1.70 2.05 2.96 4.83 4.86 6.52 6.94
Enterprise Value to EBITDA (EV/EBITDA)		 22.08 44.09 0.00 0.00 0.00 0.00 82.94 37.27 88.61 20.08 22.44
Enterprise Value to EBIT (EV/EBIT)		 0.00 47.45 0.00 0.00 8.44 26.20 10.66 9.89 12.67 18.17 21.08
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 98.32 0.00 0.00 54.19 31.75 12.98 12.22 14.05 22.91 26.53
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 194.14 5.14 0.00 9.62 8.33 5.56 10.03 5.41 5.06 6.16
Enterprise Value to Free Cash Flow (EV/FCFF)		 7.73 68.30 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 26.88 17.88 44.01 -9.32 -22.54 8.70 4.22 3.33 3.87 3.77 4.28
Long-Term Debt to Equity		 26.88 17.88 44.01 -9.32 -22.54 8.70 4.22 3.33 3.87 3.77 4.28
Financial Leverage		 52.00 21.52 26.90 -19.48 -14.34 18.97 5.53 3.63 3.61 3.81 4.04
Leverage Ratio		 72.16 29.85 38.46 -25.97 -17.31 22.58 7.02 4.90 4.86 5.11 5.38
Compound Leverage Factor		 72.16 29.85 38.46 -62.76 -1.23 22.58 7.24 5.00 4.88 5.13 5.43
Debt to Total Capital		 96.41% 94.70% 97.78% 112.01% 104.64% 89.69% 80.83% 76.90% 79.45% 79.02% 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% 0.00%
Long-Term Debt to Total Capital		 96.41% 94.70% 97.78% 112.01% 104.64% 89.69% 80.83% 76.90% 79.45% 79.02% 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% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% -0.03% -0.07% 10.21% 12.31% 7.53% 6.12% 5.44% 2.83%
Common Equity to Total Capital		 3.59% 5.30% 2.23% -11.98% -4.57% 0.10% 6.87% 15.58% 14.43% 15.55% 16.11%
Debt to EBITDA		 26.20 51.46 -5.49 -4.42 -22.01 -10.73 63.81 24.87 84.67 17.33 19.27
Net Debt to EBITDA		 17.79 32.43 -3.48 -3.49 -15.75 -8.29 45.65 16.01 64.26 14.01 15.39
Long-Term Debt to EBITDA		 26.20 51.46 -5.49 -4.42 -22.01 -10.73 63.81 24.87 84.67 17.33 19.27
Debt to NOPAT		 -10.46 114.74 -29.39 -10.19 65.52 29.65 9.99 8.15 13.43 19.77 22.78
Net Debt to NOPAT		 -7.10 72.30 -18.62 -8.04 46.88 22.92 7.14 5.25 10.19 15.99 18.19
Long-Term Debt to NOPAT		 -10.46 114.74 -29.39 -10.19 65.52 29.65 9.99 8.15 13.43 19.77 22.78
Noncontrolling Interest Sharing Ratio		 -0.06% -0.04% -0.11% 0.34% 0.74% 131.05% 74.38% 43.19% 31.13% 27.72% 20.18%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 22 2.46 -62 -74 -168 -364 -168 -549 -280 -175 -413
Operating Cash Flow to CapEx		 -509.69% 97.74% 11,179.08% -6,701.27% 3,098.77% 39,985.20% 28,402.40% 0.00% 7,164.67% 11,505.94% 26,238.40%
Free Cash Flow to Firm to Interest Expense		 0.91 0.13 -3.07 0.00 -4.56 -7.17 -3.26 -10.14 -3.42 -1.60 -2.58
Operating Cash Flow to Interest Expense		 -0.86 0.05 1.93 0.00 1.16 1.97 4.13 3.92 4.25 4.20 2.93
Operating Cash Flow Less CapEx to Interest Expense		 -1.03 0.00 1.91 0.00 1.12 1.97 4.11 3.94 4.19 4.16 2.92
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.55 0.55 0.36 0.34 0.48 0.54 0.37 0.28 0.18 0.14 0.14
Fixed Asset Turnover		 21.20 23.89 24.28 38.38 70.62 127.79 160.67 92.23 44.64 33.21 37.91
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 207 207 260 301 477 867 1,126 1,849 2,263 2,539 3,060
Invested Capital Turnover		 0.74 0.73 0.50 0.48 0.62 0.61 0.40 0.30 0.19 0.15 0.15
Increase / (Decrease) in Invested Capital		 -41 -0.75 53 41 176 390 259 723 414 276 522
Enterprise Value (EV)		 169 168 201 299 412 832 1,183 2,131 1,882 2,325 2,890
Market Capitalization		 33 44 40 33 56 143 393 1,076 378 564 822
Book Value per Share		 $0.54 $0.79 $0.42 ($2.60) ($1.42) $0.06 $4.84 $19.08 $22.60 $27.06 $33.44
Tangible Book Value per Share		 $0.54 $0.79 $0.42 ($2.60) ($1.42) $0.06 $4.84 $19.08 $22.60 $27.06 $33.44
Total Capital		 207 207 260 301 477 867 1,126 1,849 2,263 2,539 3,060
Total Debt		 200 196 254 337 499 777 910 1,422 1,798 2,006 2,481
Total Long-Term Debt		 200 196 254 337 499 777 910 1,422 1,798 2,006 2,481
Net Debt		 136 123 161 266 357 601 651 915 1,364 1,622 1,981
Capital Expenditures (CapEx)		 4.07 0.88 0.35 0.40 1.38 0.25 0.75 -1.10 4.85 3.99 1.79
Net Nonoperating Expense (NNE)		 -26 0.00 -2.31 7.80 0.00 0.00 -2.79 -3.40 -0.73 -0.50 -1.18
Net Nonoperating Obligations (NNO)		 200 196 254 337 499 777 910 1,422 1,798 2,006 2,481
Total Depreciation and Amortization (D&A)		 35 0.27 -34 -57 -72 -104 -97 -158 -127 -12 -8.33
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.51 $0.12 ($0.46) ($2.93) $0.56 $1.74 $5.32 $10.32 $0.00 $5.35 $5.92
Adjusted Weighted Average Basic Shares Outstanding		 13.93M 13.90M 13.95M 15.36M 15.96M 15.92M 16.42M 14.88M 0.00 14.61M 15.12M
Adjusted Diluted Earnings per Share		 $0.51 $0.12 ($0.46) ($2.93) $0.56 $1.66 $3.95 $7.56 $0.00 $4.24 $4.77
Adjusted Weighted Average Diluted Shares Outstanding		 13.93M 13.90M 13.95M 15.36M 15.96M 15.92M 16.42M 14.88M 0.00 14.61M 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 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 13.93M 13.90M 13.95M 15.36M 15.96M 15.92M 16.42M 14.88M 0.00 14.61M 15.12M
Normalized Net Operating Profit after Tax (NOPAT)		 -19 2.47 -8.65 -33 2.44 26 91 174 134 101 109
Normalized NOPAT Margin		 -11.29% 1.63% -7.49% -24.42% 1.01% 6.45% 22.79% 39.49% 34.58% 28.47% 26.16%
Pre Tax Income Margin		 -16.12% 2.33% -10.69% -34.89% 1.44% 7.81% 28.60% 49.73% 38.55% 36.08% 33.29%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 -1.14 0.19 -0.61 0.00 1.32 0.63 2.15 3.98 1.81 1.17 0.86
NOPAT to Interest Expense		 -0.79 0.09 -0.43 0.00 0.21 0.52 1.77 3.22 1.64 0.93 0.68
EBIT Less CapEx to Interest Expense		 -1.30 0.14 -0.63 0.00 1.29 0.62 2.14 4.00 1.75 1.13 0.84
NOPAT Less CapEx to Interest Expense		 -0.96 0.04 -0.45 0.00 0.17 0.51 1.75 3.24 1.58 0.89 0.67
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 1.95% 0.12% 0.00% 0.00% 0.00% 0.00% 14.44% 12.27% 18.42% 24.43% 23.38%
Augmented Payout Ratio		 5.46% 15.30% -14.97% -0.95% 9.50% 9.60% 18.01% 26.45% 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 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -20.49% -35.13% -19.27% -14.96% -4.26% 11.46% 10.37% 3.08% 17.95% 35.14% 24.03%
EBITDA Growth		 105.98% -87.48% -82.83% -621.98% 7,393.04% 652.34% 126.96% -14.97% 2.16% 36.17% 32.36%
EBIT Growth		 -32.17% -52.82% -9.45% -24.53% -19.04% 2.94% -5.10% -11.61% 16.53% 30.94% 25.66%
NOPAT Growth		 -31.37% -52.59% -42.15% -26.37% -22.68% 10.73% -1.74% -3.81% 16.01% 18.88% 21.65%
Net Income Growth		 -31.27% -52.47% -42.14% -26.58% -22.85% 10.90% -0.29% -2.77% 16.88% 17.88% 20.54%
EPS Growth		 -28.06% -53.05% -44.90% -30.14% -26.95% 11.00% 0.93% -2.94% 23.30% 27.93% 36.70%
Operating Cash Flow Growth		 525.44% 39.77% 25.94% 50.42% 25.61% 30.08% 16.81% 6.99% -3.85% -7.59% 10.75%
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% -14.88%
Invested Capital Growth		 52.55% 22.38% 22.95% 15.44% 14.66% 12.20% 16.53% 14.66% 16.69% 20.54% 16.37%
Revenue Q/Q Growth		 -11.10% -11.09% 5.42% 2.05% 0.09% 3.52% 4.39% -4.69% 14.52% 18.60% -4.19%
EBITDA Q/Q Growth		 -51.70% 176.57% -37.56% -725.83% 793.36% -72.23% -9.65% -417.02% 716.11% -62.99% 3.15%
EBIT Q/Q Growth		 -7.25% -25.19% 15.91% -6.16% -0.51% -4.88% 6.86% -12.60% 31.16% 6.88% 2.56%
NOPAT Q/Q Growth		 -3.88% -27.72% 10.71% -4.27% 0.93% 3.51% -1.75% -6.28% 21.73% 6.06% 0.54%
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% 0.49%
EPS Q/Q Growth		 -3.42% -29.08% 8.00% -5.56% 0.98% 7.77% -1.80% -9.17% 28.28% 11.81% 4.93%
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% 7.32%
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% 19.10%
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% -0.56%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 1.44% 4.48% 2.65% -16.28% 112.75% 30.25% 5.46% -18.15% 97.66% 30.48% 32.81%
EBIT Margin		 42.31% 35.60% 39.14% 35.99% 35.78% 32.87% 33.66% 30.86% 35.35% 31.85% 34.10%
Profit (Net Income) Margin		 34.91% 28.73% 29.79% 27.97% 28.13% 28.59% 26.91% 26.39% 27.87% 24.94% 26.15%
Tax Burden Percent		 82.33% 79.54% 75.98% 77.51% 78.64% 85.57% 78.67% 84.35% 78.28% 77.69% 76.15%
Interest Burden Percent		 100.20% 101.46% 100.17% 100.27% 99.98% 101.62% 101.65% 101.35% 100.73% 100.77% 100.72%
Effective Tax Rate		 17.67% 20.46% 24.02% 22.49% 21.36% 14.43% 21.33% 15.65% 21.72% 22.31% 23.85%
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% 4.03%
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% 4.04%
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% 16.34%
Return on Equity (ROE)		 35.51% 24.66% 24.28% 21.05% 20.31% 20.18% 18.71% 17.92% 19.64% 18.57% 20.37%
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% -11.08%
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% 4.94%
Return on Assets (ROA)		 8.07% 5.14% 5.08% 4.29% 4.02% 4.00% 3.81% 3.67% 3.80% 3.47% 3.79%
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% 17.22%
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% 21.66%
Net Operating Profit after Tax (NOPAT)		 32 23 26 25 25 26 25 24 29 31 31
NOPAT Margin		 34.83% 28.32% 29.74% 27.90% 28.13% 28.13% 26.48% 26.03% 27.67% 24.74% 25.97%
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% -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% 30.12%
Operating Expenses to Revenue		 57.28% 63.74% 60.05% 63.66% 63.62% 66.47% 63.28% 67.23% 60.23% 62.48% 65.01%
Earnings before Interest and Taxes (EBIT)		 39 29 34 32 32 30 32 28 37 40 41
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 1.34 3.70 2.31 -14 100 28 5.24 -17 102 38 39
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 1.45
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 1.45
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 1.76
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 8.10
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		 35.94% 29.20% 23.39% 13.62% 17.23% 13.76% 17.93% 18.40% 15.67% 10.63% 12.34%
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 0.93
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 6.42
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 20.41
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 19.41
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 24.66
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 5.85
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		 3.78 3.87 3.63 3.61 3.75 3.77 3.72 3.64 4.02 4.28 4.35
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 4.35
Financial Leverage		 3.17 3.61 3.53 3.64 3.77 3.81 3.68 3.62 3.89 4.04 4.04
Leverage Ratio		 4.41 4.86 4.79 4.91 5.05 5.11 4.97 4.93 5.20 5.38 5.40
Compound Leverage Factor		 4.42 4.93 4.79 4.93 5.05 5.19 5.05 5.00 5.24 5.42 5.44
Debt to Total Capital		 79.10% 79.45% 78.40% 78.30% 78.97% 79.02% 78.83% 78.44% 80.06% 81.07% 81.31%
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		 79.10% 79.45% 78.40% 78.30% 78.97% 79.02% 78.83% 78.44% 80.06% 81.07% 81.31%
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		 6.50% 6.12% 6.16% 5.98% 5.64% 5.44% 5.26% 5.19% 3.91% 2.83% 1.19%
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% 17.51%
Debt to EBITDA		 35.88 84.67 174.12 -254.87 21.08 17.33 -429.40 -298.56 -476.21 19.27 17.89
Net Debt to EBITDA		 27.66 64.26 131.12 -199.32 16.72 14.01 -328.94 -240.08 -396.08 15.39 14.55
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 17.89
Debt to NOPAT		 10.57 13.43 15.28 17.03 19.53 19.77 20.41 20.78 21.97 22.78 21.62
Net Debt to NOPAT		 8.15 10.19 11.51 13.32 15.49 15.99 15.64 16.71 18.28 18.19 17.59
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 21.62
Noncontrolling Interest Sharing Ratio		 32.74% 31.13% 30.89% 29.76% 28.79% 27.72% 26.57% 25.69% 23.03% 20.18% 15.48%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -703 -390 -393 -284 -288 -250 -346 -315 -380 -491 -397
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% 4,911.24%
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 -8.35
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 2.77
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 2.71
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.23 0.18 0.17 0.15 0.14 0.14 0.14 0.14 0.14 0.14 0.15
Fixed Asset Turnover		 108.12 44.64 38.61 36.27 36.48 33.21 31.75 32.26 35.41 37.91 37.79
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 3,043
Invested Capital Turnover		 0.24 0.19 0.18 0.16 0.15 0.15 0.15 0.15 0.14 0.15 0.16
Increase / (Decrease) in Invested Capital		 735 414 419 309 313 276 371 339 409 522 428
Enterprise Value (EV)		 1,820 1,882 1,855 2,161 2,108 2,325 2,149 2,226 2,531 2,890 2,822
Market Capitalization		 380 378 392 608 437 564 432 417 517 822 773
Book Value per Share		 $21.23 $22.60 $23.97 $25.12 $26.11 $27.06 $28.47 $29.33 $31.04 $33.44 $35.22
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 $35.22
Total Capital		 2,134 2,263 2,244 2,311 2,447 2,539 2,615 2,650 2,856 3,060 3,043
Total Debt		 1,688 1,798 1,759 1,810 1,932 2,006 2,062 2,079 2,286 2,481 2,474
Total Long-Term Debt		 1,688 1,798 1,759 1,810 1,932 2,006 2,062 2,079 2,286 2,481 2,474
Net Debt		 1,301 1,364 1,325 1,415 1,532 1,622 1,579 1,671 1,902 1,981 2,013
Capital Expenditures (CapEx)		 0.70 3.55 2.77 1.03 0.00 0.00 0.06 0.07 0.00 0.00 2.68
Net Nonoperating Expense (NNE)		 -0.07 -0.34 -0.04 -0.07 0.00 -0.42 -0.42 -0.32 -0.21 -0.24 -0.22
Net Nonoperating Obligations (NNO)		 1,688 1,798 1,759 1,810 1,932 2,006 2,062 2,079 2,286 2,481 2,474
Total Depreciation and Amortization (D&A)		 -38 -26 -32 -46 68 -2.42 -27 -45 65 -1.71 -1.53
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 $1.85
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 15.13M
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 $1.49
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 15.13M
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		 14.45M 14.45M 14.46M 14.43M 14.59M 14.61M 14.79M 14.74M 14.74M 15.12M 15.13M
Normalized Net Operating Profit after Tax (NOPAT)		 32 23 26 25 25 26 25 24 29 31 31
Normalized NOPAT Margin		 34.83% 28.32% 29.74% 27.90% 28.13% 28.13% 26.48% 26.03% 27.67% 24.74% 25.97%
Pre Tax Income Margin		 42.40% 36.12% 39.21% 36.09% 35.77% 33.41% 34.21% 31.28% 35.60% 32.10% 34.34%
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 0.85
NOPAT to Interest Expense		 1.50 0.97 1.07 1.02 0.88 0.79 0.72 0.63 0.68 0.69 0.65
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 0.80
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 0.59
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% 21.75%
Augmented Payout Ratio		 82.87% 84.54% 43.89% 38.17% 39.50% 41.77% 40.40% 39.04% 54.03% 71.22% 111.33%

Key Financial Trends

Atlanticus Holdings Corp (NASDAQ: ATLCZ) has demonstrated consistent profitability and growth over the past several years as reflected in the recent financial statements ending Q1 2025. Here are some key trends and factors that retail investors should be aware of:

  • Increasing Net Interest Income: Net interest income rose from $192.4 million in Q1 2023 to $219.0 million in Q1 2025, reflecting steady growth in core lending activities.
  • Improving Net Income: Net income attributable to common shareholders increased from approximately $19.98 million in Q1 2023 to $27.95 million in Q1 2025, indicating enhanced profitability.
  • Stable Earnings Per Share (EPS): Basic EPS improved from $1.38 in Q1 2023 to $1.85 in Q1 2025, showing effective earnings growth relative to shares outstanding.
  • Consistent Operating Cash Flow: Positive net cash from operating activities increased from approximately $101.7 million in Q1 2023 to $131.6 million in Q1 2025, signaling solid cash generation capabilities.
  • Growing Loan Portfolio: Loans and leases net of allowance increased from roughly $2.15 billion in Q1 2023 to $2.67 billion in Q1 2025, reflecting expansion in lending operations.
  • Negative Non-Interest Income: The company shows a large negative figure in other non-interest income each quarter (e.g., -$178 million in Q1 2025), reducing total non-interest income. This likely relates to provisions or non-recurring charges that investors should monitor.
  • Interest Expense on Long-Term Debt: Interest expense rose slightly from $24 million in Q4 2022 to $47.5 million in Q1 2025, which is expected given increased debt levels supporting growth.
  • Large Investment Purchases Affect Cash Flow: Significant purchases of investment securities (e.g., $620.9 million in Q1 2025) result in negative investing cash flow (-$114.9 million in Q1 2025), which might pressure liquidity if not managed carefully.
  • Repurchases and Dividend Payments: There have been notable repurchases of common equity and dividend payments (e.g., $51.2 million repurchased and $5.6 million dividends paid in Q1 2025) which reduce cash reserves.
  • High Debt Burden: Total long-term debt increased from $1.76 billion in Q1 2023 to $2.47 billion in Q1 2025, resulting in a leveraged balance sheet with liabilities comprising about 82.6% of total assets as of Q1 2025.

Summary: Atlanticus Holdings has shown solid revenue and earnings growth with expanding loan assets and positive cash flows from operations. While the company is investing heavily in securities and managing a high level of debt, earnings and cash flows appear sufficient to support these initiatives for now. Investors should monitor the impact of non-interest income losses, debt service costs, and liquidity carefully as these factors could pressure profits and financial flexibility going forward.

09/05/25 07:17 PM ETAI Generated. May Contain Errors.

Financials Breakdown Chart

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 financial year end?

According to the most recent income statement we have on file, Atlanticus Holdings Co. 9.25% Senior Notes due 2029's fiscal year ends in December. Their fiscal 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 10 years?

Atlanticus Holdings Co. 9.25% Senior Notes due 2029's net income appears to be on an upward trend, with a most recent value of $110.11 million in 2024, rising from $7.33 million in 2014. The previous period was $101.95 million in 2023.

How has Atlanticus Holdings Co. 9.25% Senior Notes due 2029's revenue changed over the last 10 years?

Over the last 10 years, Atlanticus Holdings Co. 9.25% Senior Notes due 2029's total revenue changed from $169.35 million in 2014 to $416.31 million in 2024, a change of 145.8%.

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 931.5% increase since 2014.

How much cash does Atlanticus Holdings Co. 9.25% Senior Notes due 2029 have?

In the past 10 years, Atlanticus Holdings Co. 9.25% Senior Notes due 2029's cash and equivalents has ranged from $39.93 million in 2014 to $409.66 million in 2021, 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 10 years?

Over the last 10 years, Atlanticus Holdings Co. 9.25% Senior Notes due 2029's book value per share changed from 0.54 in 2014 to 33.44 in 2024, a change of 6,151.0%.



This page (NASDAQ:ATLCZ) was last updated on 9/5/2025 by MarketBeat.com Staff
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