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About the company
Atlanticus Holdings Corporation is a financial technology company. It is engaged in providing products and services to lenders in the United States. The Company’s Credit as a Service (CaaS) segment provides private label credit and general-purpose credit cards originated by lenders through multiple channels, including retail and healthcare, direct mail solicitation, digital marketing and partnerships with third parties. Its flexible technology solutions allow its bank partners to integrate its paperless process and instant decisioning platform with the existing infrastructure of participating retailers, healthcare providers and other service providers. Within its Auto Finance segment, its CAR subsidiary operations principally purchase and/or service loans secured by automobiles from or for, and also provide floor-plan financing for, a pre-qualified network of independent automotive dealers and automotive finance companies in the buy-here, pay-here used car business.
- Revenue in USD (TTM)466.30m
- Net income in USD77.65m
- Incorporated2009
- Employees386.00
- LocationAtlanticus Holdings CorpSUITE 400, FIVE CONCOURSE PARKWAYATLANTA 30328United StatesUSA
- Phone+1 (770) 828-2000
- Websitehttps://www.atlanticus.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Angel Oak Mortgage REIT Inc | 28.90m | 33.71m | 266.38m | -- | 7.91 | 1.04 | -- | 9.22 | 1.35 | 1.35 | 1.16 | 10.26 | 0.011 | -- | 2.31 | -- | 1.28 | -1.62 | 1.87 | -2.36 | 91.41 | 93.98 | 116.65 | -72.40 | -- | -- | 0.8659 | -- | -44.97 | 121.59 | 117.95 | -- | -- | -- |
| NewtekOne Inc | 200.50m | 45.88m | 268.83m | 528.00 | 5.77 | 1.17 | 5.52 | 1.34 | 1.89 | 1.89 | 8.18 | 10.09 | 0.1651 | -- | 6.31 | 379,729.20 | 3.90 | 5.04 | 5.18 | 5.74 | 90.86 | -- | 23.59 | 33.12 | -- | 0.8389 | 0.8164 | 99.33 | 42.08 | 17.02 | 41.98 | 5.16 | -6.09 | -16.74 |
| LexinFintech Holdings Ltd - ADR | 1.80bn | 147.24m | 275.01m | 3.87k | 2.11 | 0.205 | -- | 0.1525 | 0.8026 | 0.8026 | 10.05 | 8.24 | 0.5688 | 195.24 | 2.61 | -- | 4.64 | 7.03 | 10.10 | 15.32 | 34.56 | 38.77 | 8.16 | 12.58 | 1.50 | 3.36 | 0.3604 | -- | 32.35 | 11.44 | 30.03 | -11.62 | -- | -- |
| Chicago Atlantic Real Estate Finance Inc | 63.08m | 38.71m | 283.15m | 0.00 | 7.43 | 1.04 | -- | 4.49 | 2.09 | 2.09 | 3.43 | 14.94 | 0.1796 | -- | 68.89 | -- | 11.02 | -- | 14.28 | -- | 90.88 | -- | 61.37 | -- | -- | -- | 0.1954 | -- | 22.55 | -- | 19.87 | -- | -- | -- |
| Sezzle Inc | 159.36m | 7.10m | 296.08m | 251.00 | 42.11 | 13.55 | 37.22 | 1.86 | 1.25 | 1.25 | 28.08 | 3.88 | 0.8274 | -- | 1.40 | 634,887.60 | 3.69 | -20.29 | 14.37 | -41.95 | 75.40 | 67.62 | 4.45 | -31.96 | -- | 1.39 | 0.8107 | -- | 26.91 | 149.99 | 118.63 | -- | 29.91 | -- |
| Better Home & Finance Holding Co | 88.50m | -536.42m | 317.34m | -- | -- | 2.57 | -- | 3.59 | -0.7138 | -0.7138 | 0.1177 | 0.1631 | 0.0889 | 191.76 | 5.34 | -- | -53.86 | -- | -62.30 | -- | -23.40 | -- | -606.12 | -- | -- | -1.07 | 0.8419 | -- | -77.88 | -- | 39.65 | -- | -- | -- |
| Fintech Scion Ltd | 2.42m | -40.66m | 325.94m | 23.00 | -- | 26.74 | -- | 134.68 | -0.0694 | -0.0694 | 0.0081 | 0.0613 | 0.057 | 96.52 | 2.61 | 105,225.20 | -95.79 | -46.61 | -105.35 | -67.73 | 71.55 | 85.82 | -1,680.15 | -628.01 | 1.57 | -- | 0.00 | -- | -21.53 | 133.07 | -786.97 | -- | -1.16 | -- |
| Greystone Housing Impact Investors LP | 104.90m | 47.21m | 340.98m | 0.00 | 7.21 | 0.9777 | 6.99 | 3.25 | 2.06 | 2.06 | 4.56 | 18.78 | 0.0681 | -- | 10.55 | -- | 3.51 | 3.05 | 4.26 | 3.42 | 34.16 | 56.90 | 51.49 | 50.30 | -- | -- | 0.7087 | 68.38 | 29.39 | 3.50 | -28.95 | 5.71 | 8.41 | 0.9772 |
| Athena Bitcoin Global | 140.15m | 13.94m | 354.17m | 41.00 | 30.35 | 44.67 | 22.08 | 2.53 | 0.0029 | 0.0029 | 0.0293 | 0.0019 | 5.22 | -- | 198.79 | -- | 51.89 | -- | 129.20 | -- | 16.74 | -- | 9.95 | -- | -- | 38.18 | 0.5068 | -- | -9.86 | -- | 213.58 | -- | -- | -- |
| Ares Commercial Real Estate Corp | 202.58m | -38.87m | 368.44m | 2.80k | -- | 0.5858 | -- | 1.82 | -0.7192 | -0.7192 | 3.72 | 11.56 | 0.0844 | -- | -- | 72,349.29 | -1.62 | 1.02 | -1.63 | 1.03 | 39.82 | 50.13 | -19.19 | 13.74 | -- | -- | 0.721 | 268.35 | 17.20 | 11.36 | -230.49 | -- | -- | 2.62 |
| Atlanticus Holdings Corp | 466.30m | 77.65m | 386.37m | 386.00 | 6.16 | 0.9657 | 4.78 | 0.8286 | 4.24 | 4.24 | 24.70 | 36.63 | 0.1831 | -- | -- | 1,208,029.00 | 4.00 | 6.58 | 4.24 | 7.02 | 54.97 | 67.67 | 21.86 | 23.62 | -- | -- | 0.7902 | 0.00 | -0.7545 | 19.52 | -29.74 | 58.12 | 23.62 | -- |
| Invesco Mortgage Capital Inc | 288.33m | -37.54m | 410.25m | 0.00 | -- | 0.8267 | -- | 1.42 | -0.7977 | -0.7977 | 6.54 | 16.15 | 0.0556 | -- | 11.32 | -- | -0.3055 | -3.24 | -2.00 | -17.75 | 12.97 | 42.75 | -5.50 | -102.42 | -- | 0.6586 | 0.8507 | -- | 34.60 | -14.82 | 91.00 | -- | -- | -35.59 |
| DigiAsia Corp | 0.00 | -63.56k | 413.92m | -- | -- | 13.01 | 1,095.34 | -- | -0.0059 | -0.0059 | 0.00 | 0.5242 | 0.00 | -- | -- | -- | -0.0544 | -- | -0.056 | -- | -- | -- | -- | -- | -- | -- | 0.1845 | -- | -- | -- | -100.64 | -- | -- | -- |
| Yiren Digital Ltd - ADR | 676.26m | 287.35m | 446.61m | 1.06k | 1.57 | 0.3999 | 1.55 | 0.6604 | 3.22 | 3.22 | 7.57 | 12.60 | 0.5205 | -- | 13.60 | -- | 22.11 | 10.63 | 27.36 | 16.04 | 80.06 | 83.23 | 42.49 | 18.68 | -- | -- | 0.00 | -- | 42.54 | -16.29 | 74.09 | 5.66 | -- | -- |
| Lendingtree Inc | 672.50m | -122.40m | 475.15m | 860.00 | -- | 3.83 | -- | 0.7065 | -9.42 | -9.42 | 51.88 | 9.52 | 0.6718 | -- | 8.87 | 781,979.10 | -12.23 | -4.13 | -13.28 | -4.90 | 94.24 | 94.20 | -18.20 | -4.74 | -- | -- | 0.8099 | -- | -31.73 | -2.54 | 34.87 | -- | -3.42 | -- |
| Green Dot Corporation | 1.50bn | 6.72m | 479.49m | 1.20k | 66.76 | 0.5544 | 5.35 | 0.3194 | 0.1351 | 0.1351 | 28.67 | 16.27 | 0.3126 | -- | 28.84 | 1,251,107.00 | 0.14 | 1.23 | 0.7948 | 4.96 | -- | -- | 0.4477 | 3.58 | -- | 4.20 | 0.7961 | 0.00 | 3.57 | 7.10 | -89.50 | -43.71 | 4.47 | -- |
Data as of Apr 25 2024. Currency figures normalised to Atlanticus Holdings Corp's reporting currency: US Dollar USD
11.24%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Dimensional Fund Advisors LPas of 31 Dec 2023 | 602.27k | 4.12% |
| BlackRock Fund Advisorsas of 31 Dec 2023 | 346.88k | 2.37% |
| The Vanguard Group, Inc.as of 31 Dec 2023 | 247.52k | 1.69% |
| Renaissance Technologies LLCas of 31 Dec 2023 | 108.56k | 0.74% |
| Geode Capital Management LLCas of 31 Dec 2023 | 103.77k | 0.71% |
| SSgA Funds Management, Inc.as of 31 Dec 2023 | 99.23k | 0.68% |
| Northern Trust Investments, Inc.(Investment Management)as of 31 Dec 2023 | 43.50k | 0.30% |
| American Century Investment Management, Inc.as of 31 Dec 2023 | 32.56k | 0.22% |
| Los Angeles Capital Management LLCas of 31 Mar 2024 | 32.02k | 0.22% |
| Denali Advisors LLCas of 31 Mar 2024 | 26.04k | 0.18% |
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Data from 31 Dec 2023 - 31 Mar 2024Source: FactSet Research Systems Inc.
