ScoreWhy is Atlanticus Holdings Corp. ?
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 22.67% and Operating profit at 1.46%
3
Flat results in Sep 25
- ROCE(HY) Lowest at 21.01%
- INTEREST COVERAGE RATIO(Q) Lowest at 147.07
- DEBT-EQUITY RATIO (HY) Highest at 879.49 %
4
With ROE of 18.81%, it has a very attractive valuation with a 1.27 Price to Book Value
- The stock is trading at a fair value compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 12.61%, its profits have risen by 11.4% ; the PEG ratio of the company is 0.6
5
High Institutional Holdings at 26.15%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 2.01% over the previous quarter.
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Atlanticus Holdings Corp. should be less than 10%
- Overall Portfolio exposure to Finance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Atlanticus Holdings Corp. for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
Atlanticus Holdings Corp.
15.98%
1.99
52.81%
S&P 500
16.12%
0.77
19.29%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
22.67%
EBIT Growth (5y)
1.46%
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
26.15%
ROCE (avg)
299.97%
ROE (avg)
45.08%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
7
Industry P/E
Price to Book Value
1.27
EV to EBIT
0.71
EV to EBITDA
0.71
EV to Capital Employed
2.66
EV to Sales
0.17
PEG Ratio
0.59
Dividend Yield
NA
ROCE (Latest)
373.04%
ROE (Latest)
18.81%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bullish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 494.31 MM
RAW MATERIAL COST(Y)
Fallen by 0.01% (YoY
CASH AND EQV(HY)
Highest at USD 1,009.17 MM
NET SALES(Q)
Highest at USD 494.68 MM
-17What is not working for the Company
ROCE(HY)
Lowest at 21.01%
INTEREST COVERAGE RATIO(Q)
Lowest at 147.07
DEBT-EQUITY RATIO
(HY)
Highest at 879.49 %
INTEREST(Q)
Highest at USD 75.46 MM
PRE-TAX PROFIT(Q)
Lowest at USD 32.48 MM
NET PROFIT(Q)
Lowest at USD 24.98 MM
EPS(Q)
Lowest at USD 1.21
Here's what is working for Atlanticus Holdings Corp.
Operating Cash Flow
Highest at USD 494.31 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Sales
At USD 494.68 MM has Grown at 37.03%
over average net sales of the previous four periods of USD 361.01 MMMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Net Sales
Highest at USD 494.68 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Cash and Eqv
Highest at USD 1,009.17 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Raw Material Cost
Fallen by 0.01% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Depreciation
Highest at USD 1.49 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
Depreciation
At USD 1.49 MM has Grown at 68.47%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (USD MM)
Here's what is not working for Atlanticus Holdings Corp.
Interest
At USD 75.46 MM has Grown at 40.57%
period on period (QoQ)MOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
Interest Coverage Ratio
Lowest at 147.07
in the last five periodsMOJO Watch
The company's ability to manage interest payments is deteriorating
Operating Profit to Interest
Interest
Highest at USD 75.46 MM
in the last five periods and Increased by 40.57% (QoQ)MOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
Pre-Tax Profit
Lowest at USD 32.48 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (USD MM)
Net Profit
Lowest at USD 24.98 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (USD MM)
EPS
Lowest at USD 1.21
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (USD)
Debt-Equity Ratio
Highest at 879.49 %
in the last five Semi-Annual periodsMOJO Watch
The company is borrowing more to fund its operations; it's liquidity situation may be stressed
Debt-Equity Ratio
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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