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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 0.16
ATLC's Cash to Debt is ranked higher than
68% of the 170 Companies
in the Global Credit Services industry.

( Industry Median: 0.21 vs. ATLC: 0.16 )
ATLC' s 10-Year Cash to Debt Range
Min: 0.1   Max: No Debt
Current: 0.16

Equity to Asset -0.09
ATLC's Equity to Asset is ranked lower than
54% of the 173 Companies
in the Global Credit Services industry.

( Industry Median: 0.25 vs. ATLC: -0.09 )
ATLC' s 10-Year Equity to Asset Range
Min: -0.09   Max: 0.88
Current: -0.09

-0.09
0.88
F-Score: 1
Z-Score: -0.52
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 4/10

vs
industry
vs
history
Operating margin (%) -16.82
ATLC's Operating margin (%) is ranked higher than
50% of the 177 Companies
in the Global Credit Services industry.

( Industry Median: 22.45 vs. ATLC: -16.82 )
ATLC' s 10-Year Operating margin (%) Range
Min: -69.83   Max: 285.18
Current: -16.82

-69.83
285.18
Net-margin (%) -14.58
ATLC's Net-margin (%) is ranked lower than
51% of the 177 Companies
in the Global Credit Services industry.

( Industry Median: 14.66 vs. ATLC: -14.58 )
ATLC' s 10-Year Net-margin (%) Range
Min: -31.08   Max: 211.21
Current: -14.58

-31.08
211.21
ROE (%) -173.43
ATLC's ROE (%) is ranked lower than
54% of the 178 Companies
in the Global Credit Services industry.

( Industry Median: 12.37 vs. ATLC: -173.43 )
ATLC' s 10-Year ROE (%) Range
Min: -173.43   Max: 225.32
Current: -173.43

-173.43
225.32
ROA (%) -7.34
ATLC's ROA (%) is ranked lower than
52% of the 180 Companies
in the Global Credit Services industry.

( Industry Median: 3.20 vs. ATLC: -7.34 )
ATLC' s 10-Year ROA (%) Range
Min: -47.57   Max: 37.68
Current: -7.34

-47.57
37.68
ROC (Joel Greenblatt) (%) -291.61
ATLC's ROC (Joel Greenblatt) (%) is ranked lower than
51% of the 174 Companies
in the Global Credit Services industry.

( Industry Median: 22.22 vs. ATLC: -291.61 )
ATLC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -368.95   Max: 2825.13
Current: -291.61

-368.95
2825.13
Revenue Growth (3Y)(%) -15.60
ATLC's Revenue Growth (3Y)(%) is ranked higher than
52% of the 145 Companies
in the Global Credit Services industry.

( Industry Median: 7.80 vs. ATLC: -15.60 )
ATLC' s 10-Year Revenue Growth (3Y)(%) Range
Min: -25.7   Max: 53.8
Current: -15.6

-25.7
53.8
EPS Growth (3Y)(%) -21.20
ATLC's EPS Growth (3Y)(%) is ranked higher than
55% of the 120 Companies
in the Global Credit Services industry.

( Industry Median: 18.20 vs. ATLC: -21.20 )
ATLC' s 10-Year EPS Growth (3Y)(%) Range
Min: -75.8   Max: 337.1
Current: -21.2

-75.8
337.1
» ATLC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2013

ATLC Guru Trades in Q1 2013

Whitney Tilson 14,918 sh (unchged)
» More
Q2 2013

ATLC Guru Trades in Q2 2013

Whitney Tilson 14,918 sh (unchged)
» More
Q3 2013

ATLC Guru Trades in Q3 2013

Whitney Tilson 14,818 sh (-0.67%)
» More
Q4 2013

ATLC Guru Trades in Q4 2013

Whitney Tilson Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with ATLC

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Whitney Tilson 2013-12-31 Sold Out 0.09%$3.31 - $3.75 $ 2.47-30%0
Whitney Tilson 2012-12-31 New Buy0.04%$3.28 - $3.99 $ 2.47-33%14918
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
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Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/S 0.20
ATLC's P/S is ranked higher than
99% of the 199 Companies
in the Global Credit Services industry.

( Industry Median: 2.81 vs. ATLC: 0.20 )
ATLC' s 10-Year P/S Range
Min: 0.09   Max: 15.8
Current: 0.2

0.09
15.8
EV-to-EBIT -8.36
ATLC's EV-to-EBIT is ranked lower than
55% of the 199 Companies
in the Global Credit Services industry.

( Industry Median: 20.78 vs. ATLC: -8.36 )
ATLC' s 10-Year EV-to-EBIT Range
Min: -38.9   Max: 49.1
Current: -8.36

-38.9
49.1

Valuation & Return

vs
industry
vs
history
Price/DCF (Projected) 0.04
ATLC's Price/DCF (Projected) is ranked higher than
99% of the 199 Companies
in the Global Credit Services industry.

( Industry Median: 3.04 vs. ATLC: 0.04 )
ATLC' s 10-Year Price/DCF (Projected) Range
Min: 0.01   Max: 0.94
Current: 0.04

0.01
0.94
Price/Median PS Value 0.16
ATLC's Price/Median PS Value is ranked higher than
98% of the 199 Companies
in the Global Credit Services industry.

( Industry Median: 1.26 vs. ATLC: 0.16 )
ATLC' s 10-Year Price/Median PS Value Range
Min: 0.12   Max: 7.2
Current: 0.16

0.12
7.2
Earnings Yield (Greenblatt) -12.00
ATLC's Earnings Yield (Greenblatt) is ranked lower than
51% of the 178 Companies
in the Global Credit Services industry.

( Industry Median: 5.30 vs. ATLC: -12.00 )
ATLC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2   Max: 101.2
Current: -12

2
101.2

Business Description

Industry: Credit Services » Credit Services
Compare: » details
Atlanticus Holdings Corp is Georgia corporation formed in 2009, as successor to an entity that commenced operations in 1996. The Company provides various credit and related financial services and products to or associated with the financially underserved consumer credit market, a market represented by credit risks that regulators classify as sub-prime. The Company manages its business activities through two reportable segments; Credit and Other Investments, and Auto Finance. Within its Credit and Other Investments segment, it offers point-of-sale financing whereby the Company partner with retailers and service providers to provide credit to their customers for the purchase of goods and services or the rental of goods under rent-to-own arrangements. The Company specializes in providing this 'second look' credit service in various industries across the United States. Using its infrastructure and technology platform, the Company also provides loan servicing activities, including underwriting, marketing, customer service and collections operations for third parties. Also within this segment, it continues to collect on portfolios of credit card receivables underlying now-closed credit card accounts. These receivables include both receivables it originated through third-party financial institutions and portfolios of receivables it purchased from third-party financial institutions. The only open credit card accounts underlying its credit card receivables are those the Company generates through its credit card products in the U.K. It also reports within its Credit and Other Investments segment the income earned from investments in two equity-method investees, one that holds credit card receivables for which the Company is the servicer and another that holds structured financing notes underlying credit card receivables for which the Company is the servicer. Through ITS Credit and Other Investments segment, IT engages in testing and limited investment activities in ancillary finance, technology and other products. Within its Auto Finance segment, its CAR subsidiary operations mainly purchase and/or service 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. It purchases auto loans at a discount and with dealer retentions or holdbacks that provide risk protection. Also within its Auto Finance segment, the Company manages portfolios of auto finance receivables that it previously originated through franchised and independent auto dealers in connection with prior business activities, as well as provides additional lending products, such as floor plan financing and additional installment lending products to certain dealers. The Company competes with Credit Acceptance Corporation, Westlake Financial, Mid-Atlantic Finance, General Motors Financial Company, Inc., Drive Financial, Western Funding Inc., among others. The Comp

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