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Atlanticus Holdings (ATLC)
NASDAQ:ATLC
US Market
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Atlanticus Holdings (ATLC) Ratios

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Atlanticus Holdings Ratios

ATLC's free cash flow for Q1 2025 was $0.96. For the 2025 fiscal year, ATLC's free cash flow was decreased by $ and operating cash flow was $0.00. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
0.18 18.01 2.33 9.69 4.27
Quick Ratio
0.18 18.01 2.08 65.10 43.11
Cash Ratio
0.18 2.60 0.22 9.69 4.27
Solvency Ratio
0.04 0.05 0.47 0.39 0.45
Operating Cash Flow Ratio
0.19 3.11 0.20 5.02 5.10
Short-Term Operating Cash Flow Coverage
6.34 0.00 0.21 0.00 0.00
Net Current Asset Value
$ -2.56B$ 482.06M$ 2.08B$ -1.21B$ -912.60M
Leverage Ratios
Debt-to-Assets Ratio
0.68 0.75 0.76 0.73 0.77
Debt-to-Equity Ratio
4.13 4.66 4.96 4.35 7.88
Debt-to-Capital Ratio
0.80 0.82 0.83 0.81 0.89
Long-Term Debt-to-Capital Ratio
0.82 0.82 0.83 0.81 0.89
Financial Leverage Ratio
6.04 6.23 6.52 5.93 10.29
Debt Service Coverage Ratio
1.58 1.97 >-0.01 -0.77 -0.40
Interest Coverage Ratio
5.42 2.36 2.53 4.06 2.22
Debt to Market Cap
3.08 3.58 9.06 1.32 2.55
Interest Debt Per Share
170.00 147.25 129.86 98.23 67.32
Net Debt to EBITDA
7.45 6.79 0.00 0.00 0.00
Profitability Margins
Gross Profit Margin
116.77%91.07%85.00%90.44%90.45%
EBIT Margin
21.85%20.59%-1.66%-0.62%-2.34%
EBITDA Margin
22.16%20.94%0.00%0.00%0.00%
Operating Profit Margin
36.13%22.32%70.76%54.95%33.68%
Pretax Profit Margin
13.02%11.13%51.02%54.92%33.62%
Net Profit Margin
10.12%8.90%46.35%44.50%27.66%
Continuous Operations Profit Margin
10.01%8.83%46.01%44.47%27.60%
Net Income Per EBT
77.73%80.00%90.84%81.02%82.28%
EBT Per EBIT
36.03%49.86%72.10%99.95%99.82%
Return on Assets (ROA)
3.37%3.80%5.68%9.15%7.80%
Return on Equity (ROE)
23.57%23.66%37.01%54.24%80.25%
Return on Capital Employed (ROCE)
43.02%10.08%33.10%11.55%9.83%
Return on Invested Capital (ROIC)
-19.12%8.08%4.63%46.97%63.06%
Return on Tangible Assets
3.37%3.80%5.68%9.15%3.92%
Earnings Yield
13.66%18.34%35.38%16.55%26.38%
Efficiency Ratios
Receivables Turnover
0.00 0.51 0.08 0.00 0.00
Payables Turnover
0.00 1.67 0.99 0.90 0.78
Inventory Turnover
0.00 0.00 0.10 -0.02 -0.02
Fixed Asset Turnover
88.71 50.77 13.42 35.22 29.79
Asset Turnover
0.33 0.43 0.12 0.21 0.28
Working Capital Turnover Ratio
-1.30 0.48 0.22 1.59 2.96
Cash Conversion Cycle
0.00 499.87 7.88K -22.78K -18.68K
Days of Sales Outstanding
0.00 717.90 4.64K 0.00 0.00
Days of Inventory Outstanding
0.00 0.00 3.60K -22.37K -18.21K
Days of Payables Outstanding
0.00 218.03 368.83 403.79 468.93
Operating Cycle
0.00 717.90 8.25K -22.37K -18.21K
Cash Flow Ratios
Operating Cash Flow Per Share
33.01 31.67 23.66 14.09 14.69
Free Cash Flow Per Share
32.73 31.39 23.33 13.62 14.63
CapEx Per Share
0.42 0.28 0.33 0.47 0.05
Free Cash Flow to Operating Cash Flow
0.99 0.99 0.99 0.97 1.00
Dividend Paid and CapEx Coverage Ratio
18.25 15.89 11.68 7.35 14.87
Capital Expenditure Coverage Ratio
79.41 115.06 71.34 29.96 284.02
Operating Cash Flow Coverage Ratio
0.20 0.23 0.19 0.15 0.23
Operating Cash Flow to Sales Ratio
0.41 0.40 1.18 0.53 0.63
Free Cash Flow Yield
54.99%81.18%89.04%19.09%59.41%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
7.32 5.45 2.83 6.04 3.79
Price-to-Sales (P/S) Ratio
0.74 0.49 1.31 2.69 1.05
Price-to-Book (P/B) Ratio
1.49 1.29 1.05 3.28 3.04
Price-to-Free Cash Flow (P/FCF) Ratio
1.82 1.23 1.12 5.24 1.68
Price-to-Operating Cash Flow Ratio
1.80 1.22 1.11 5.06 1.68
Price-to-Earnings Growth (PEG) Ratio
0.72 -0.20 -0.11 0.06 0.02
Price-to-Fair Value
1.49 1.29 1.05 3.28 3.04
Enterprise Value Multiple
10.80 9.11 0.00 0.00 0.00
Enterprise Value
2.91B 2.20B 1.82B 2.09B 1.10B
EV to EBITDA
10.80 9.11 0.00 0.00 0.00
EV to Sales
2.39 1.91 6.21 5.23 3.24
EV to Free Cash Flow
5.87 4.84 5.32 10.19 5.20
EV to Operating Cash Flow
5.82 4.80 5.25 9.85 5.18
Tangible Book Value Per Share
39.62 36.73 24.95 21.73 8.04
Shareholders’ Equity Per Share
39.89 29.97 25.05 21.76 8.10
Tax and Other Ratios
Effective Tax Rate
0.11 0.21 0.10 0.19 0.18
Revenue Per Share
80.33 79.65 20.00 26.52 23.49
Net Income Per Share
8.13 7.09 9.27 11.80 6.50
Tax Burden
0.78 0.80 0.91 0.81 0.82
Interest Burden
0.60 0.54 -30.79 -88.04 -14.39
Research & Development to Revenue
0.00 0.00 <0.01 <0.01 <0.01
SG&A to Revenue
0.03 0.04 0.15 0.09 0.09
Stock-Based Compensation to Revenue
<0.01 <0.01 0.01 <0.01 <0.01
Income Quality
4.11 4.47 2.57 1.19 2.27
Currency in USD
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