Atlanticus Holdings Corp. (ATLC) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

UWM Holdings Corp.

LendingClub Corp.

EZCORP, Inc.

Federal Agricultural Mortgage Corp.

AdaptHealth Corp.

Encore Capital Group, Inc.

Atlanticus Holdings Corp.

Runway Growth Finance Corp.

World Acceptance Corp.

U-Haul Holding Co.

Rocket Cos., Inc.

Why is Atlanticus Holdings Corp. ?

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

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

Negative results in Jun 25

ROCE(HY) Lowest at 22.83%
INTEREST COVERAGE RATIO(Q) Lowest at 179
DEBT-EQUITY RATIO (HY) Highest at 383.73 %

With ROE of 20.37%, it has a very attractive valuation with a 1.49 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 1.77%, its profits have risen by 13.5% ; the PEG ratio of the company is 0.6

High Institutional Holdings at 21.73%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 3.59% over the previous quarter.

Underperformed the market in the last 1 year

The stock has generated a return of 1.77% in the last 1 year, much lower than market (S&P 500) returns of 12.33%

Real-Time Research Report

Verdict Report

How 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.

-4.32%

2.25

52.23%

S&P 500

13.22%

0.61

20.17%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

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)

Sales to Capital Employed (avg)

Tax Ratio

21.29%

Dividend Payout Ratio

Pledged Shares

Institutional Holding

21.73%

ROCE (avg)

299.97%

ROE (avg)

45.08%

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

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

ROCE (Latest)

299.97%

ROE (Latest)

20.37%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

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

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

7What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 499.22 MM

RAW MATERIAL COST(Y)

Fallen by -0.11% (YoY

CASH AND EQV(HY)

Highest at USD 944.68 MM

NET SALES(Q)

Highest at USD 394.16 MM

EPS(Q)

Highest at USD 1.51

-12What is not working for the Company

ROCE(HY)

Lowest at 22.83%

INTEREST COVERAGE RATIO(Q)

Lowest at 179

DEBT-EQUITY RATIO (HY)

Highest at 383.73 %

INTEREST(Q)

Highest at USD 53.68 MM

Here's what is working for Atlanticus Holdings Corp.

Operating Cash Flow

Highest at USD 499.22 MM and Grown

In each year in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Net Sales

Highest at USD 394.16 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

EPS

Highest at USD 1.51

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Cash and Eqv

Highest at USD 944.68 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Raw Material Cost

Fallen by -0.11% (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

Here's what is not working for Atlanticus Holdings Corp.

Interest

At USD 53.68 MM has Grown at 12.95%

period on period (QoQ)

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (USD MM)

Interest Coverage Ratio

Lowest at 179

in the last five periods

MOJO Watch

The company's ability to manage interest payments is deteriorating

Operating Profit to Interest

Interest

Highest at USD 53.68 MM

in the last five periods and Increased by 12.95% (QoQ)

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (USD MM)

Debt-Equity Ratio

Highest at 383.73 %

in the last five Semi-Annual periods

MOJO Watch

The company is borrowing more to fund its operations; it's liquidity situation may be stressed

Debt-Equity Ratio