Atlanticus Holdings Corporation 9.25% Senior Notes due 2029
Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 Fundamental Analysis
Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 (ATLCZ) shows moderate financial fundamentals with a PE ratio of 6.55, profit margin of 5.68%, and ROE of 19.16%. The company generates $2.0B in annual revenue with moderate year-over-year growth of 3.28%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 42.3/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze ATLCZ's fundamental strength across five key dimensions:
Efficiency Score
WeakATLCZ struggles to generate sufficient returns from assets.
Valuation Score
ExcellentATLCZ trades at attractive valuation levels.
Growth Score
ModerateATLCZ shows steady but slowing expansion.
Financial Health Score
WeakATLCZ carries high financial risk with limited liquidity.
Profitability Score
ModerateATLCZ maintains healthy but balanced margins.
Key Financial Metrics
Is ATLCZ Expensive or Cheap?
P/E Ratio
ATLCZ trades at 6.55 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, ATLCZ's PEG of 1.64 indicates fair valuation.
Price to Book
The market values Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 at 1.20 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 18.48 times EBITDA. This signals the market has high growth expectations.
How Well Does ATLCZ Make Money?
Net Profit Margin
For every $100 in sales, Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 keeps $5.68 as profit after all expenses.
Operating Margin
Core operations generate 0.00 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $19.16 in profit for every $100 of shareholder equity.
ROA
Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 generates $1.47 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 generates strong operating cash flow of $638.70M, reflecting robust business health.
Free Cash Flow
Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 generates strong free cash flow of $631.13M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $41.68 in free cash annually.
FCF Yield
ATLCZ converts 85.81% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
6.55
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
1.64
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.20
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.37
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
9.60
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.13
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.19
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.00
vs 25 benchmark
How ATLCZ Stacks Against Its Sector Peers
| Metric | ATLCZ Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 6.55 | 18.50 | Better (Cheaper) |
| ROE | 19.16% | 809.00% | Weak |
| Net Margin | 5.68% | 2211.00% | Weak |
| Debt/Equity | 9.60 | 0.90 | Weak (High Leverage) |
| Current Ratio | 0.13 | 691.82 | Weak Liquidity |
| ROA | 1.47% | -24320.00% (disorted) | Weak |
ATLCZ outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Atlanticus Holdings Corporation 9.25% Senior Notes due 2029's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
-100.00%
Industry Style: Value, Dividend, Cyclical
DecliningEPS CAGR
-100.00%
Industry Style: Value, Dividend, Cyclical
DecliningFCF CAGR
-100.00%
Industry Style: Value, Dividend, Cyclical
Declining