Atlanticus Holdings Corp.

  • Market Cap: Small Cap
  • Industry: Finance
  • ISIN: US04914Y1029
USD
59.58
2.98 (5.27%)
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

52 Week

Valuation
Technical
Day's Volume

CASH

72.66 k

Shareholding (Mar 2025)

FII

1.18%

Held by 42 FIIs

DII

89.31%

Held by 10 DIIs

Promoter

0.00%

How big is Atlanticus Holdings Corp.?

22-Jun-2025

As of Jun 18, Atlanticus Holdings Corp. has a market capitalization of 824.63 million and reported net sales of 1,365.90 million and net profit of 115.41 million over the latest four quarters. Shareholder's funds are 532.91 million, with total assets of 3,270.71 million as of Dec 24.

As of Jun 18, Atlanticus Holdings Corp. has a market capitalization of 824.63 million, categorizing it as a Micro Cap company.<BR><BR>As of Jun 18, the sum of Net Sales for the latest four quarters is 1,365.90 million, while the sum of Net Profit for the same period is 115.41 million.<BR><BR>As of Dec 24, the reporting period shows Shareholder's Funds at 532.91 million and Total Assets at 3,270.71 million.

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What does Atlanticus Holdings Corp. do?

22-Jun-2025

Atlanticus Holdings Corporation provides financial services in the micro-cap market, with recent net sales of $345 million and a net profit of $31 million. The company has a market cap of $824.63 million and key metrics include a P/E ratio of 7.00 and a return on equity of 20.37%.

Overview: <BR>Atlanticus Holdings Corporation is focused on providing financial services within the finance industry and operates in the micro-cap market.<BR><BR>Financial Snapshot: <BR>Most recent Net Sales: 345 Million (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 31 Million (Quarterly Results - Mar 2025) <BR>Market-cap: USD 824.63 Million (Micro Cap)<BR><BR>Key Metrics: <BR>P/E: 7.00 <BR>Debt Equity: -999,999.00 <BR>Return on Equity: 20.37% <BR>Price to Book: 1.44<BR><BR>Contact Details: <BR>Address: 5 Concourse Pkwy Ste 300, ATLANTA GA: 30328-6101 <BR>Tel: 1 770 8282000 <BR>Website: https://www.atlanticus.com/

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Should I buy, sell or hold Atlanticus Holdings Corp.?

22-Jun-2025

Who are in the management team of Atlanticus Holdings Corp.?

22-Jun-2025

As of March 2022, the management team of Atlanticus Holdings Corp. includes David Hanna (Chairman and CEO), Jeffrey Howard (President and Director), and Independent Directors Deal Hudson, Mack Mattingly, and Thomas Rosencrants. They oversee the company's strategic direction and operations.

As of March 2022, the management team of Atlanticus Holdings Corp. includes the following individuals:<BR><BR>- Mr. David Hanna, who serves as the Chairman of the Board and Chief Executive Officer.<BR>- Mr. Jeffrey Howard, who is the President and a Director.<BR>- Dr. Deal Hudson, who is an Independent Director.<BR>- Sen. Mack Mattingly, who is also an Independent Director.<BR>- Mr. Thomas Rosencrants, who serves as an Independent Director. <BR><BR>This team is responsible for overseeing the company's strategic direction and operations.

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Is Atlanticus Holdings Corp. overvalued or undervalued?

20-Sep-2025

As of July 7, 2025, Atlanticus Holdings Corp. is considered very attractive due to its undervalued status, with a P/E ratio of 7, an EV to EBITDA of 1.17, and a PEG ratio of 0.60, significantly outperforming peers and the S&P 500 over the past year.

As of 7 July 2025, the valuation grade for Atlanticus Holdings Corp. has moved from attractive to very attractive. The company appears to be undervalued, given its strong performance metrics. Key ratios include a P/E ratio of 7, an EV to EBITDA of 1.17, and a PEG ratio of 0.60, all of which suggest that the stock is trading at a significant discount relative to its earnings growth potential.<BR><BR>In comparison to peers, Atlanticus Holdings Corp. has a notably lower P/E ratio than U-Haul Holding Co., which stands at 45.54, indicating that Atlanticus is more favorably priced relative to its earnings. Additionally, LendingClub Corp. has a PEG ratio of 0.3580, which is also lower than Atlanticus's, reinforcing the notion of Atlanticus being undervalued. Over the past year, Atlanticus has returned 107.37%, significantly outperforming the S&P 500's 17.14%, further supporting the attractiveness of its current valuation.

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Is Atlanticus Holdings Corp. technically bullish or bearish?

07-Oct-2025

As of October 3, 2025, Atlanticus Holdings Corp. shows a mildly bullish trend with mixed technical indicators, having underperformed the S&P 500 recently but significantly outperformed it over the past year and five years.

As of 3 October 2025, the technical trend for Atlanticus Holdings Corp. has changed from bullish to mildly bullish. The weekly MACD is mildly bearish, while the monthly MACD indicates a bullish stance. The daily moving averages are mildly bullish, suggesting some positive momentum in the short term. However, the weekly Bollinger Bands are bearish, which adds caution to the outlook. The KST is bullish on both weekly and monthly time frames, indicating underlying strength. The Dow Theory shows a mildly bearish stance on the weekly chart but is mildly bullish on the monthly chart. Overall, the indicators present a mixed picture, leaning mildly bullish.<BR><BR>In terms of performance, Atlanticus has underperformed the S&P 500 over the past week and month, with returns of -11.20% and -20.19% compared to the S&P 500's gains of 1.09% and 4.15%, respectively. However, it has outperformed the benchmark over the longer term, with a 1-year return of 55.04% versus 17.82% for the S&P 500, and a remarkable 5-year return of 312.65% compared to 100.56%.

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iScoreScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

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Dashboard
1

Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 45.08%

 
2

Healthy long term growth as Net Sales has grown by an annual rate of 21.14% and Operating profit at -0.66%

 
3

Negative results in Jun 25

4

With ROE of 20.37%, it has a very attractive valuation with a 1.49 Price to Book Value

5

High Institutional Holdings at 21.73%

6

Underperformed the market in the last 1 year

stock-summaryMojo Parameters
Mojo Parameters
Stock DNA
stock-summary
Industry

Finance

stock-summary
Market cap

USD 1,129 Million (Small Cap)

stock-summary
P/E

7.00

stock-summary
Industry P/E

NA

stock-summary
Dividend Yield

0.00%

stock-summary
Debt Equity

-999,999.00

stock-summary
Return on Equity

20.38%

stock-summary
Price to Book

1.87

Revenue and Profits:
Net Sales:
394 Million
(Quarterly Results - Jun 2025)
Net Profit:
30 Million
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
-11.21%
0%
-11.21%
6 Months
18.8%
0%
18.8%
1 Year
-4.32%
0%
-4.32%
2 Years
90.23%
0%
90.23%
3 Years
109.71%
0%
109.71%
4 Years
5.66%
0%
5.66%
5 Years
263.51%
0%
263.51%

Atlanticus Holdings Corp. for the last several years.

Risk Adjusted Returns v/s stock-summary
stock-summaryNews & Corporate Actions
News
Announcements stock-summary
Icon
No announcement available
Corporate Actions stock-summary
Icon
No corporate action available
stock-summaryKey Factors
Quality key factors stock-summary
Factor
Value
Sales Growth (5y)
21.14%
EBIT Growth (5y)
-0.66%
EBIT to Interest (avg)
3.60
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
21.29%
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
21.73%
ROCE (avg)
299.97%
ROE (avg)
45.08%
Valuation key factors
Factor
Value
P/E Ratio
7
Industry P/E
Price to Book Value
1.49
EV to EBIT
1.18
EV to EBITDA
1.17
EV to Capital Employed
3.55
EV to Sales
0.29
PEG Ratio
0.60
Dividend Yield
NA
ROCE (Latest)
299.97%
ROE (Latest)
20.37%
Technicals key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
No Trend
Mildly Bearish
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Mar 2025stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Domestic Funds

Domestic Funds

Held in 35 Schemes (9.51%)

Foreign Institutions

Held by 42 Foreign Institutions (1.18%)

Strategic Entities with highest holding

Highest Public shareholder

stock-summaryFinancial
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  {
    "link": "quarterly",
    "btn_text": "All Quarterly Results",
    "header": "Quarterly Results Snapshot (Consolidated) - Jun'25 - QoQ",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "QoQ Growth in quarter ended Jun 2025 is 14.19% vs -2.35% in Mar 2025",
        "dir": 1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "QoQ Growth in quarter ended Jun 2025 is -2.57% vs 0.32% in Mar 2025",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Jun'25",
        "Mar'25",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "394.20",
          "val2": "345.20",
          "chgp": "14.19%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "96.10",
          "val2": "90.30",
          "chgp": "6.42%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "53.70",
          "val2": "47.50",
          "chgp": "13.05%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "30.30",
          "val2": "31.10",
          "chgp": "-2.57%",
          "chgp_class": "negative"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "238.00%",
          "val2": "256.10%",
          "chgp": "-1.81%",
          "chgp_class": "negative"
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    "link": "annual",
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    "rhs": [
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        "prefix": "Net Sales ",
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        "dir": 1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in year ended Dec 2024 is 7.94% vs -24.22% in Dec 2023",
        "dir": 1
      }
    ],
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      "header": [
        "Dec'24",
        "Dec'23",
        "Change(%)"
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      "body": [
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          "field": "Net Sales",
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          "val2": "1,155.90",
          "chgp": "13.45%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "317.80",
          "val2": "242.60",
          "chgp": "31.00%",
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          "field": "Interest",
          "val1": "160.20",
          "val2": "109.30",
          "chgp": "46.57%",
          "chgp_class": "negative"
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          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
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          "field": "Consolidate Net Profit",
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          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "227.80%",
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          "chgp": "2.20%",
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]
Quarterly Results Snapshot (Consolidated) - Jun'25 - QoQstock-summary
Jun'25
Mar'25
Change(%)
Net Sales
394.20
345.20
14.19%
Operating Profit (PBDIT) excl Other Income
96.10
90.30
6.42%
Interest
53.70
47.50
13.05%
Exceptional Items
0.00
0.00
Consolidate Net Profit
30.30
31.10
-2.57%
Operating Profit Margin (Excl OI)
238.00%
256.10%
-1.81%
USD in Million.
Direction Arrows
Net Sales

QoQ Growth in quarter ended Jun 2025 is 14.19% vs -2.35% in Mar 2025

Direction Arrows
Consolidated Net Profit

QoQ Growth in quarter ended Jun 2025 is -2.57% vs 0.32% in Mar 2025

Annual Results Snapshot (Consolidated) - Dec'24stock-summary
Dec'24
Dec'23
Change(%)
Net Sales
1,311.40
1,155.90
13.45%
Operating Profit (PBDIT) excl Other Income
317.80
242.60
31.00%
Interest
160.20
109.30
46.57%
Exceptional Items
0.00
0.00
Consolidate Net Profit
110.10
102.00
7.94%
Operating Profit Margin (Excl OI)
227.80%
205.80%
2.20%
USD in Million.
Direction Arrows
Net Sales

YoY Growth in year ended Dec 2024 is 13.45% vs 10.41% in Dec 2023

Direction Arrows
Consolidated Net Profit

YoY Growth in year ended Dec 2024 is 7.94% vs -24.22% in Dec 2023

stock-summaryCompany CV
About Atlanticus Holdings Corp. stock-summary
stock-summary
Atlanticus Holdings Corp.
Finance
Atlanticus Holdings Corporation is focused on providing financial services. Through its subsidiaries, the Company offers an array of financial products and services. The Company operates through two segments: Credit and Other Investments, and Auto Finance. The Company's Credit and Other Investments segment includes its point-of-sale and direct-to-consumer finance operations, investments in and servicing of its various credit card receivables portfolios and other product development and limited investment in consumer finance technology platforms that capitalize on its credit infrastructure. The Company's Auto Finance segment operations are principally conducted through its CAR platform, which purchases and services loans secured by automobiles from or for a pre-qualified network of independent automotive dealers and automotive finance companies in the buy-here, pay-here used car business. The Company also provides loan servicing activities.
Company Coordinates stock-summary
Company Details
5 Concourse Pkwy Ste 300 , ATLANTA GA : 30328-6101
stock-summary
Tel: 1 770 8282000
stock-summary
Registrar Details