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Atlanticus Holdings Corp ATLC

Nasdaq · stock · Personal Credit Institutions · website · IPO 1999-04-23

Atlanticus Holdings Corp statistics & valuation

Market cap$1.7B
P / E13.7×
P / S0.8×
P / B2.7×
Net margin6.2%
Return on equity20.1%
Graham number -33%$65.25

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($65.25); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
-773.40% 141.40% 5.80% 16.70% 23.80% 13.00% 8.90% 8.50% 6.20% 2016201720182019202020212022202320242025
Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
-109.50% 2918.70% 121.80% 61.80% 41.50% 26.10% 22.60% 20.10% 2016201720182019202020212022202320242025
Shares outstanding
15.3M 15.3M 15.6M 15.9M 20.1M 20.9M 19.4M 18.9M 18.8M 19.2M 2016201720182019202020212022202320242025
Net debt ($)
2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
-1.70% -9.60% 1.30% 2.80% 7.80% 9.20% 5.70% 3.80% 3.40% 1.60% 2016201720182019202020212022202320242025
Free cash flow margin (%)
-509.50% 746.50% 21.90% 37.60% 2016201720182019202020212022202320242025
Debt / equity (×)
2016201720182019202020212022202320242025
EPS ($)
-$0.46 -$2.93 $0.56 $1.66 $3.95 $7.56 $5.83 $4.24 $4.77 $5.96 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

Atlanticus Holdings Corp trades at about 16.3× earnings — above its 10-year norm (10-year range 5×–25.3×, median 8.4×).

5× 25.3×

Shaded band = 10-year range (5×–25.3×); dot = today's 16.3×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net margin6.2%8.5%8.9%13.0%23.8%16.7%5.8%141.4%-773.4%—
FCF margin—————37.6%21.9%746.5%-509.5%—
Return on assets1.6%3.4%3.8%5.7%9.2%7.8%2.8%1.3%-9.6%-1.7%
Return on equity20.1%22.6%26.1%41.5%61.8%121.8%2918.7%-35.5%112.9%-109.5%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.