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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 : 3/10

vs
industry
vs
history
Cash-to-Debt 0.15
NAS:ATLC's Cash-to-Debt is ranked lower than
69% of the 449 Companies
in the Global Credit Services industry.

( Industry Median: 8.43 vs. NAS:ATLC: 0.15 )
Ranked among companies with meaningful Cash-to-Debt only.
NAS:ATLC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.1  Med: 0.26 Max: No Debt
Current: 0.15
0.1
No Debt
Equity-to-Asset -0.07
NAS:ATLC's Equity-to-Asset is ranked lower than
97% of the 413 Companies
in the Global Credit Services industry.

( Industry Median: 0.43 vs. NAS:ATLC: -0.07 )
Ranked among companies with meaningful Equity-to-Asset only.
NAS:ATLC' s Equity-to-Asset Range Over the Past 10 Years
Min: -0.1  Med: 0.4 Max: 0.88
Current: -0.07
-0.1
0.88
Debt-to-Equity -10.49
NAS:ATLC's Debt-to-Equity is ranked lower than
99.99% of the 220 Companies
in the Global Credit Services industry.

( Industry Median: 1.40 vs. NAS:ATLC: -10.49 )
Ranked among companies with meaningful Debt-to-Equity only.
NAS:ATLC' s Debt-to-Equity Range Over the Past 10 Years
Min: -206.15  Med: 1.01 Max: 212.37
Current: -10.49
-206.15
212.37
Debt-to-EBITDA 2.59
NAS:ATLC's Debt-to-EBITDA is ranked lower than
99.99% of the 283 Companies
in the Global Credit Services industry.

( Industry Median: 6.70 vs. NAS:ATLC: 2.59 )
Ranked among companies with meaningful Debt-to-EBITDA only.
NAS:ATLC' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0  Med: 0 Max: 2.59
Current: 2.59
0
2.59
Beneish M-Score: -1.73
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
Net Margin % -24.40
NAS:ATLC's Net Margin % is ranked lower than
87% of the 438 Companies
in the Global Credit Services industry.

( Industry Median: 13.22 vs. NAS:ATLC: -24.40 )
Ranked among companies with meaningful Net Margin % only.
NAS:ATLC' s Net Margin % Range Over the Past 10 Years
Min: -35.15  Med: -2.22 Max: 207.87
Current: -24.4
-35.15
207.87
ROA % -7.40
NAS:ATLC's ROA % is ranked lower than
89% of the 453 Companies
in the Global Credit Services industry.

( Industry Median: 2.32 vs. NAS:ATLC: -7.40 )
Ranked among companies with meaningful ROA % only.
NAS:ATLC' s ROA % Range Over the Past 10 Years
Min: -47.57  Med: -3.41 Max: 17.53
Current: -7.4
-47.57
17.53
3-Year Revenue Growth Rate -10.50
NAS:ATLC's 3-Year Revenue Growth Rate is ranked lower than
69% of the 356 Companies
in the Global Credit Services industry.

( Industry Median: 6.60 vs. NAS:ATLC: -10.50 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NAS:ATLC' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: 6.5 Max: 64.7
Current: -10.5
0
64.7
GuruFocus has detected 5 Warning Signs with Atlanticus Holdings Corp NAS:ATLC.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NAS:ATLC's 30-Y Financials

Financials (Next Earnings Date: 2018-11-15 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q3 2017

ATLC Guru Trades in Q3 2017

Jim Simons 19,000 sh (+29.25%)
» More
Q4 2017

ATLC Guru Trades in Q4 2017

Jim Simons 20,500 sh (+7.89%)
» More
Q1 2018

ATLC Guru Trades in Q1 2018

Jim Simons 20,700 sh (+0.98%)
» More
Q2 2018

ATLC Guru Trades in Q2 2018

Jim Simons 20,700 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with ATLC

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Business Description

Industry: Credit Services » Credit Services    NAICS: 522291    SIC: 6141
Compare:BKK:GCAP, HKSE:08452, BOM:501295, NZSE:GFL, COL:CDB.N0000, SSE:8594, IST:SEKFK, LSE:ORCH, ASX:LCA, XKLS:3441, WAR:PMT, IST:CRDFA, COL:BLI.N0000, BKK:ML, AMEX:DXF, BOM:511724, TSXV:MIT, BOM:511066, NAS:ASFI, NZSE:SRF » details
Headquarter Location:USA
Atlanticus Holdings Corp is focused on providing financial services. It offers financial products and services to a market represented by credits risks that regulators classify as sub-prime.

Atlanticus Holdings Corp invests in financial services industry. The company provides various credit and related financial services and products to or associated with the financially underserved consumer credit market. The operating business segments are Credit and Other Investments, and Auto Finance. In Credit and Other Investments segment, the company originates consumer loans through multiple channels, including retail point-of-sale, direct mail solicitation, online and partnerships. The Auto Finance segment purchases and service loans secured by automobiles from or for, and also provide floorplan financing for, a pre-qualified network of independent automotive dealers and automotive finance companies in the buy-here, pay-here, and used car business.

Ratios

vs
industry
vs
history
PS Ratio 0.35
ATLC's PS Ratio is ranked higher than
98% of the 414 Companies
in the Global Credit Services industry.

( Industry Median: 3.46 vs. ATLC: 0.35 )
Ranked among companies with meaningful PS Ratio only.
ATLC' s PS Ratio Range Over the Past 10 Years
Min: 0.09  Med: 0.35 Max: 24.81
Current: 0.35
0.09
24.81
EV-to-Revenue 2.60
ATLC's EV-to-Revenue is ranked higher than
78% of the 425 Companies
in the Global Credit Services industry.

( Industry Median: 5.35 vs. ATLC: 2.60 )
Ranked among companies with meaningful EV-to-Revenue only.
ATLC' s EV-to-Revenue Range Over the Past 10 Years
Min: 0.6  Med: 2.3 Max: 62.8
Current: 2.6
0.6
62.8

Buy Back

vs
industry
vs
history

Valuation & Return

vs
industry
vs
history
Price-to-Median-PS-Value 1.01
ATLC's Price-to-Median-PS-Value is ranked higher than
74% of the 366 Companies
in the Global Credit Services industry.

( Industry Median: 1.00 vs. ATLC: 1.01 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
ATLC' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.44  Med: 2.69 Max: 26.58
Current: 1.01
0.44
26.58

More Statistics

Revenue (TTM) (Mil) $130.18
EPS (TTM) $ -2.29
Beta-0.93
Volatility42.74%
52-Week Range $1.52 - 4.91
Shares Outstanding (Mil)15.60

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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