ATLC
Atlanticus Holdings Corporation

Market cap $30.51M
Enterprise value $281.91M
Employees 285
Revenue $49.7M
EBITDA N/A
Income -$24.6M
EPS -1.77
P/E N/A
Forward P/E N/A
EV/EBITDA N/A
PEG N/A
Earnings date N/A
Volume 444 / 4.55k
Relative vol. 0.10 ×
Sales Q/Q 18.68%
Sales Y/Y 0.79%
Est. EPS Q/Q N/A
Beta -0.74
Mean Recomm. 4.00
IPO year 1995
Country United States
RSI 46.15
Range $2.20 – $2.24
52 weeks $2.13 – $2.61
SMA 50 $2 +2.54%
SMA 200 $2 +4.16%
1 year target $3 +36.36%

Intraday

5 days

1 month

3 months

6 months

1 year

5 years

10 years

All time

Date
#
Company
Insider Title
Trans.
Transaction
Shares Price per share Total price Shares after Source
2017-12-07 Thomas G Rosencrants
Director
Director Buy 5,500 $2.37 $13,035
2017-12-07
9,731
2017-12-05 Thomas G Rosencrants
Director
Director Buy 4,231 $2.26 $9,562
2017-12-05
4,231
2017-11-29 Deal W Hudson
Director
Director Sale 7,000 $2.20 $15,400
2017-11-29
71,000
2017-08-31 Deal W Hudson
Director
Director Sale 6,000 $2.61 $15,660
2017-08-31
78,000
2017-08-21 Mack F Mattingly
Director
Director Sale 7,000 $2.50 $17,500
2017-08-21
85,000
2016-06-07 Thomas G Rosencrants
Director
Director Sale 35,000 $3.14 $109,900
2016-06-07
37,000
2016-04-15 Mack F Mattingly
Director
Director Sale 5,087 $3.10 $15,770
2016-04-15
73,000
2016-04-13 Mack F Mattingly
Director
Director Sale 2,997 $3.15 $9,441
2016-04-13
78,087
2016-04-11 Mack F Mattingly
Director
Director Sale 816 $3.18 $2,595
2016-04-11
81,084
2015-08-26 Mack F Mattingly
Director
Director Sale 5,301 $3.70 $19,614
2015-08-26
63,900
2015-08-24 Mack F Mattingly
Director
Director Sale 24,031 $3.74 $89,876
2015-08-24
69,201
2015-05-20 Deal W Hudson
Director
Director Sale 6,000 $2.54 $15,240
2015-05-20
47,000
2015-03-12 Deal W Hudson
Director
Director Sale 5,000 $2.56 $12,800
2015-03-12
53,000
2014-12-05 William Mc Camey
See Remarks
See Remarks Buy 5,000 $2.40 $12,000
2014-12-05
30,000
2014-12-04 Deal W Hudson
Director
Director Sale 5,000 $2.76 $13,800
2014-12-04
28,000
2014-11-19 William Mc Camey
See Remarks
See Remarks Buy 10,000 $2.64 $26,400
2014-11-19
25,000
2014-11-17 William Mc Camey
See Remarks
See Remarks Buy 15,000 $2.08 $31,200
2014-11-17
15,000
2014-08-19 Mack F Mattingly
Director
Director Sale 5,000 $2.75 $13,750
2014-08-19
63,232
2014-05-21 Deal W Hudson
Director
Director Sale 9,000 $2.90 $26,100
2014-05-21
33,000
2014-01-30 Deal W Hudson
Director
Director Sale 11,344 $2.88 $32,671
2014-01-30
42,000
2012-12-31 Chase & Co Jpmorgan
10% owner
10% owner Buy 79,566 $3.21 $255,407
2012-12-31
1,535,672
2012-12-31 Chase & Co Jpmorgan
10% owner
10% owner Buy 2,685 $3.45 $9,263
2012-12-31
1,672,583

Notable SEC filings of Atlanticus Holdings Corporation

Date Contents
Source
2017-05-16 8-K Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers; Submission of Matters to a Vote of Security Holders; Other Events; Financial Statements and Exhibits
2017-05-15 10-Q Quarterly report
2017-03-31 10-K Yearly report
2017-02-15 8-K Entry into a Material Definitive Agreement; Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant
2016-11-29 8-K Entry into a Material Definitive Agreement; Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant
2016-11-14 10-Q Quarterly report
2016-08-15 10-Q Quarterly report
2016-05-18 8-K Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers; Submission of Matters to a Vote of Security Holders; Financial Statements and Exhibits
2016-05-12 10-Q Quarterly report
2016-03-30 10-K Yearly report
2015-11-30 8-K Entry into a Material Definitive Agreement; Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant
2015-11-13 10-Q Quarterly report
2015-08-14 10-Q Quarterly report
2015-05-15 10-Q Quarterly report
2015-05-14 8-K Submission of Matters to a Vote of Security Holders
2015-03-06 10-K Yearly report
2014-12-08 8-K Other Events
2014-12-02 8-K Entry into a Material Definitive Agreement; Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant
2014-11-14 10-Q Quarterly report
2014-11-04 8-K Notice of Delisting or Failure to Satisfy a Continued Listing Rule or Standard; Transfer of Listing
2014-08-14 10-Q Quarterly report
2014-06-26 8-K Entry into a Material Definitive Agreement; Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant; Financial Statements and Exhibits
2014-05-15 10-Q Quarterly report
2014-05-15 8-K Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers; Submission of Matters to a Vote of Security Holders
2014-03-28 10-K Yearly report
2014-02-21 8-K Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers

Atlanticus executives

Insider Title Age Since Compensation
William Mccamey (45)
Chief Financial Officer, Treasurer since 2014
Chief Financial Officer, Treasurer 45 2014 $962,168
Jeffrey Howard (45)
President, Director since 2014
President, Director 45 2014 $894,679
David Hanna (50)
Chairman of the Board, Chief Executive Officer since 2000
Chairman of the Board, Chief Executive Officer 50 2000 $509,159
Richard Gilbert (61)
Chief Operating Officer since 2011
Chief Operating Officer 61 2011 $177,574
Thomas Rosencrants (65)
Independent Director since 1999
Independent Director 65 1999
Mack Mattingly (84)
Independent Director since 1999
Independent Director 84 1999
Deal Hudson (65)
Independent Director since 2002
Independent Director 65 2002
Atlanticus Holdings Corporation logo

Atlanticus Holdings Corporation provides credit and related financial services and products to financially underserved consumer credit market in the United States. It operates in two segments, Credit and Other Investments, and Auto Finance. The Credit and Other Investments segment originates a range of consumer loan products, such as retail credit, personal loans, and credit cards through various channels, including retail point-of-sale, direct mail solicitation, Internet-based marketing, and partnerships with third parties; and offers point-of-sale financing by partnering with retailers and service providers to provide credit to their customers for the purchase of various goods and services. This segment also invests in and services portfolios of credit card receivables. In addition, this segment offers loan servicing, such as risk management and customer service outsourcing for third parties; and engages in testing and investment activities in consumer finance technology platforms. The Auto Finance segment purchases and/or services 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, and used car business. This segment also provides floor plan financing and installment lending products. The company was formerly known as CompuCredit Holdings Corporation and changed its name to Atlanticus Holdings Corporation in November 2012. Atlanticus Holdings Corporation was founded in 1996 and is headquartered in Atlanta, Georgia.

  • Atlanticus Holdings Corporation, Five Concourse Parkway, Atlanta 30328, United States
  • atlanticus.com
  • 770-828-2000

Quarterly EPS estimates

Profit margin

Debt to assets

Cash flow

Balance sheet

(in millions) 2017Q3 2017Q2 2017Q1 2016Q4
Current assets
Cash $73.633 $80.184 $84.607 $83.282
Short term investments
Net receivables $12.019 $12.77 $13.591 $15.648
Inventory
Other current assets
Total current assets
Long term investments $305.228 $285.65 $255.221 $247.097
Property, plant & equipment $3.296 $3.382 $3.568 $3.829
Goodwill
Intangible assets
Other assets $39.636 $23.065 $20.129 $20.858
Deferred long term asset charges
Total assets $429.067 $399.647 $371.123 $363.989
Current liabilities
Accounts payable $165.942 $164.129 $147.234 $142.537
Short long term debt
Other current liabilities
Total current liabilities
Long term debt
Other liabilities
Deferred long term liabilities
Minority interest -$0.002 -$0.001 -$0.011 -$0.01
Total liabilities $445.927 $400.99 $364.099 $358.202
Stockholders' equity
Stock option warrants
Common stock
Retained earnings -$228.382 -$213.915 -$205.131 -$205.859
Treasury stock
Capital surplus $212.618 $212.572 $212.155 $211.646
Other stockholder equity -$1.096
Total stockholder equity -$16.86 -$1.343 $7.024 $5.787
Net tangible assets -$16.86 -$1.343 $7.024 $5.787
(in millions) 2016 2015 2014
Current assets
Cash $83.282 $61.981 $57.347
Short term investments
Net receivables $15.648 $26.706 $18.255
Inventory
Other current assets
Total current assets
Long term investments $247.097 $172.619 $179.376
Property, plant & equipment $3.829 $5.686 $7.036
Goodwill
Intangible assets
Other assets $20.858 $23.86 $22.174
Deferred long term asset charges
Total assets $363.989 $280.729 $268.355
Current liabilities
Accounts payable $142.537 $94.025 $80.901
Short long term debt
Other current liabilities
Total current liabilities
Long term debt
Other liabilities
Deferred long term liabilities
Minority interest -$0.01 -$0.008 $0.001
Total liabilities $358.202 $269.77 $260.914
Stockholders' equity
Stock option warrants
Common stock
Retained earnings -$205.859 -$199.524 -$201.237
Treasury stock
Capital surplus $211.646 $211.083 $210.519
Other stockholder equity -$0.6 -$1.841
Total stockholder equity $5.787 $10.959 $7.441
Net tangible assets $5.787 $10.959 $7.441

Income statement

(in millions) 2017Q3 2017Q2 2017Q1 2016Q4
Revenue
Total revenue $30.807 $28.161 $27.492 $25.959
Cost of revenue
Gross profit
Operating expenses
Research & development
Selling, general & administrative $20.265 $23.469 $20.019 $16.578
Non-recurring
Other operating expenses $17.764 $11.497 $0.311 $8.172
Total operating expenses
Operating income
Income from continuing operations
Net other income
EBIT -$7.222 -$6.805 $7.162 $1.209
Interest expense
Income before tax -$14.49 -$13.224 $1.345 -$4.305
Income tax expense -$0.022 -$4.443 $0.618 -$2.204
Minority interest -$0.002 -$0.001 -$0.011 -$0.01
Net income from continuing ops -$14.303 -$8.38 $1.062 -$1.906
Non-recurring events
Discontinued operations
Extraordinary items
Effect of accounting change
Other items
Net income
EBITDA -$14.467 -$8.784 $0.728 -$2.1
Income (for common shares) -$14.467 -$8.784 $0.728 -$2.1
(in millions) 2016 2015 2014
Revenue
Total revenue $96.33 $78.254 $99.721
Cost of revenue
Gross profit
Operating expenses
Research & development
Selling, general & administrative $66.693 $81.063 $96.732
Non-recurring
Other operating expenses $21.786 -$24.674 $6.242
Total operating expenses
Operating income
Income from continuing operations
Net other income
EBIT $7.851 $21.865 -$3.253
Interest expense
Income before tax -$12.356 $3.535 -$27.305
Income tax expense -$6.015 $1.829 -$34.632
Minority interest -$0.01 -$0.008 $0.001
Net income from continuing ops -$4.185 $4.493 $14.16
Non-recurring events
Discontinued operations
Extraordinary items
Effect of accounting change
Other items
Net income
EBITDA -$6.335 $1.713 $7.177
Income (for common shares) -$6.335 $1.713 $7.177

Cash flow

(in millions) 2017Q3 2017Q2 2017Q1 2016Q4
Net income -$14.467 -$8.784 $0.728 -$2.1
Operating activities
Depreciation $0.236 $0.243 $0.31 $0.428
Net income adjustments $7.063 $1.421 -$1.988 $8.274
Change in accounts receivable
Changes in liabilities -$0.087 $14.021 $4.014 $10.95
Changes in inventory
Changes in other operating activities -$11.131 -$3.367 -$0.228 -$9.693
Total cash flow from operations -$22.427 $8.015 $2.397 $14.31
Investing activities
Capital expenditures -$0.15 -$0.057 -$0.022 -$0.105
Investments -$26.647 -$20.053 -$4.018 -$19.708
Other cash flows from investing $0.195 -$12.605 $0.361 $0.617
Total cash flows from investing -$26.602 -$32.715 -$3.679 -$19.196
Financing activities
Dividends paid
Sale and purchase of stock -$0.268 $0.007 -$0.018 -$0.08
Net borrowings $43.407 $20.608 $3.513 $22.78
Other cash flows from financing
Total cash flows from financing $43.139 $20.615 $3.495 $22.7
Effect of exchange rate -$0.003 $0.251 $0.044 -$0.482
Change in cash and equivalents -$5.893 -$3.834 $2.257 $17.332
(in millions) 2016 2015 2014
Net income -$6.335 $1.713 $7.177
Operating activities
Depreciation $7.477 $40.565 $68.075
Net income adjustments $9.732 -$16.555 -$14.219
Change in accounts receivable
Changes in liabilities $34.35 -$15.582 -$88.085
Changes in inventory
Changes in other operating activities -$12.655 -$8.551 -$28.537
Total cash flow from operations $39.015 $0.864 -$20.734
Investing activities
Capital expenditures -$0.349 -$0.884 -$4.068
Investments -$79.36 $13.254 $37.16
Other cash flows from investing $3.869 $2.167 -$3.892
Total cash flows from investing -$75.84 $14.537 $29.2
Financing activities
Dividends paid
Sale and purchase of stock -$0.945 -$0.261 -$0.4
Net borrowings $64.404 -$3.311 -$18
Other cash flows from financing
Total cash flows from financing $63.459 -$3.572 -$18.4
Effect of exchange rate -$1.615 -$0.721 -$1.014
Change in cash and equivalents $25.019 $11.108 -$10.948
Messenger