Revenue Breakdown
Composition ()
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Revenue Streams
Atlanticus Holdings Corp (ATLC) generates its revenue through a diversified portfolio of business segments. Currently, the largest contributor to its top-line growth is Credit Card & Other Investment, accounting for 97.9% of total sales, equivalent to $484.65M. Another important revenue stream is Auto Finance. Understanding this composition is critical for investors evaluating how ATLC navigates market cycles within the Consumer Lending industry.
Profitability & Margins
Evaluating the bottom line, Atlanticus Holdings Corp maintains a gross margin of 57.79%. This metric reflects the company's pricing power and manufacturing efficiency. Further down the income statement, the operating margin stands at 18.16%, while the net margin is 13.75%. These profitability ratios, combined with a Return on Equity (ROE) of 20.11%, provide a clear picture of how effectively ATLC converts its operational activities into shareholder value.
Comparative Benchmarking
In the context of the broader market, ATLC competes directly with industry leaders such as OPFI and TREE. With a market capitalization of $778.58M, it holds a significant position in the sector. When comparing efficiency, ATLC's gross margin of 57.79% stands against OPFI's N/A and TREE's 94.70%. Such benchmarking helps identify whether Atlanticus Holdings Corp is trading at a premium or discount relative to its financial performance.
