ATLC Valuation

Atlanticus Holdings Corp

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63.290

+1.94(3.162%)1D

Overview
Forecast
Valuation
Earnings

ATLC Relative Valuation

ATLC's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, ATLC is overvalued; if below, it's undervalued.

Historical Valuation

Atlanticus Holdings Corp (ATLC) is now in the Fair zone, suggesting that its current forward PE ratio of 9.16 is considered Fairly compared with the five-year average of 6.50. The fair price of Atlanticus Holdings Corp (ATLC) is between 37.19 to 64.87 according to relative valuation methord.

Relative Value

Fair Zone

37.19-64.87

Current Price：61.35

Fair

9.16

Trailing

Forward

0.00

EV/EBITDA

Atlanticus Holdings Corp. (ATLC) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

0.00

EV/EBIT

Atlanticus Holdings Corp. (ATLC) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.

0.55

Atlanticus Holdings Corp. (ATLC) has a current PS of 0.55. The 5-year average PS is 0.49. The thresholds are as follows: Strongly Undervalued below -0.02, Undervalued between -0.02 and 0.24, Fairly Valued between 0.74 and 0.24, Overvalued between 0.74 and 0.99, and Strongly Overvalued above 0.99. The current Forward PS of 0.55 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

Atlanticus Holdings Corp. (ATLC) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Atlanticus Holdings Corp. (ATLC) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Atlanticus Holdings Corp (ATLC) has a current Price-to-Book (P/B) ratio of 1.65. Compared to its 3-year average P/B ratio of 1.34 , the current P/B ratio is approximately 22.51% higher. Relative to its 5-year average P/B ratio of 2.35, the current P/B ratio is about -29.97% higher. Atlanticus Holdings Corp (ATLC) has a Forward Free Cash Flow (FCF) yield of approximately 52.42%. Compared to its 3-year average FCF yield of 81.45%, the current FCF yield is approximately -35.65% lower. Relative to its 5-year average FCF yield of 66.73% , the current FCF yield is about -21.45% lower.

1.65

P/B

Median3y

1.34

Median5y

2.35

53.10

FCF Yield

Median3y

81.45

Median5y

66.73

Competitors Valuation Multiple

The average P/S ratio for ATLC's competitors is 0.79, providing a benchmark for relative valuation. Atlanticus Holdings Corp Corp (ATLC) exhibits a P/S ratio of 0.55, which is -29.77% above the industry average. Given its robust revenue growth of 40.39%, this premium appears sustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

ATLC.O

Atlanticus Holdings Corp

World Acceptance Corp

Encore Capital Group Inc

Performance Decomposition

Market capitalization of ATLC increased by 79.04% over the past 1 year. The primary factor behind the change was an increase in P/E Change from 7.22 to 10.78.

The secondary factor is the Revenue Growth, contributed 40.39%to the performance.

Overall, the performance of ATLC in the past 1 year is driven by P/E Change. Which is more unsustainable.

40.39%

102.07M → 143.30M

Revenue Growth

-10.58%

23.64 → 21.14

Margin Expansion

49.23%

7.22 → 10.78

P/E Change

79.04%