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Atlanticus Holdings (ATLC)
NASDAQ:ATLC
US Market

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
2.33 18.01 2.33 9.69 4.27
Quick Ratio
2.08 18.01 2.08 65.10 43.11
Cash Ratio
0.22 2.60 0.22 9.69 4.27
Solvency Ratio
0.47 0.05 0.47 0.39 0.45
Operating Cash Flow Ratio
0.20 3.11 0.20 5.02 5.10
Short-Term Operating Cash Flow Coverage
0.21 0.00 0.21 0.00 0.00
Net Current Asset Value
$ 2.08B$ 482.06M$ 2.08B$ -1.21B$ -912.60M
Leverage Ratios
Debt-to-Assets Ratio
0.76 0.75 0.76 0.73 0.77
Debt-to-Equity Ratio
4.96 4.66 4.96 4.35 7.88
Debt-to-Capital Ratio
0.83 0.82 0.83 0.81 0.89
Long-Term Debt-to-Capital Ratio
0.83 0.82 0.83 0.81 0.89
Financial Leverage Ratio
6.52 6.23 6.52 5.93 10.29
Debt Service Coverage Ratio
>-0.01 1.97 >-0.01 -0.77 -0.40
Interest Coverage Ratio
2.53 2.36 2.53 4.06 2.22
Debt to Market Cap
9.06 3.58 9.06 1.32 2.55
Interest Debt Per Share
129.86 147.25 129.86 98.23 67.32
Net Debt to EBITDA
0.00 6.79 0.00 0.00 0.00
Profitability Margins
Gross Profit Margin
85.00%91.07%85.00%90.44%90.45%
EBIT Margin
-1.66%20.59%-1.66%-0.62%-2.34%
EBITDA Margin
0.00%20.94%0.00%0.00%0.00%
Operating Profit Margin
70.76%22.32%70.76%54.95%33.68%
Pretax Profit Margin
51.02%11.13%51.02%54.92%33.62%
Net Profit Margin
46.35%8.90%46.35%44.50%27.66%
Continuous Operations Profit Margin
46.01%8.83%46.01%44.47%27.60%
Net Income Per EBT
90.84%80.00%90.84%81.02%82.28%
EBT Per EBIT
72.10%49.86%72.10%99.95%99.82%
Return on Assets (ROA)
5.68%3.80%5.68%9.15%7.80%
Return on Equity (ROE)
37.01%23.66%37.01%54.24%80.25%
Return on Capital Employed (ROCE)
33.10%10.08%33.10%11.55%9.83%
Return on Invested Capital (ROIC)
4.63%8.08%4.63%46.97%63.06%
Return on Tangible Assets
5.68%3.80%5.68%9.15%3.92%
Earnings Yield
35.38%18.34%35.38%16.55%26.38%
Efficiency Ratios
Receivables Turnover
0.08 0.51 0.08 0.00 0.00
Payables Turnover
0.99 1.67 0.99 0.90 0.78
Inventory Turnover
0.10 0.00 0.10 -0.02 -0.02
Fixed Asset Turnover
13.42 50.77 13.42 35.22 29.79
Asset Turnover
0.12 0.43 0.12 0.21 0.28
Working Capital Turnover Ratio
0.22 0.48 0.22 1.59 2.96
Cash Conversion Cycle
7.88K 499.87 7.88K -22.78K -18.68K
Days of Sales Outstanding
4.64K 717.90 4.64K 0.00 0.00
Days of Inventory Outstanding
3.60K 0.00 3.60K -22.37K -18.21K
Days of Payables Outstanding
368.83 218.03 368.83 403.79 468.93
Operating Cycle
8.25K 717.90 8.25K -22.37K -18.21K
Cash Flow Ratios
Operating Cash Flow Per Share
23.66 31.67 23.66 14.09 14.69
Free Cash Flow Per Share
23.33 31.39 23.33 13.62 14.63
CapEx Per Share
0.33 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
11.68 15.89 11.68 7.35 14.87
Capital Expenditure Coverage Ratio
71.34 115.06 71.34 29.96 284.02
Operating Cash Flow Coverage Ratio
0.19 0.23 0.19 0.15 0.23
Operating Cash Flow to Sales Ratio
1.18 0.40 1.18 0.53 0.63
Free Cash Flow Yield
89.04%81.18%89.04%19.09%59.41%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
2.83 5.45 2.83 6.04 3.79
Price-to-Sales (P/S) Ratio
1.31 0.49 1.31 2.69 1.05
Price-to-Book (P/B) Ratio
1.05 1.29 1.05 3.28 3.04
Price-to-Free Cash Flow (P/FCF) Ratio
1.12 1.23 1.12 5.24 1.68
Price-to-Operating Cash Flow Ratio
1.11 1.22 1.11 5.06 1.68
Price-to-Earnings Growth (PEG) Ratio
-0.11 -0.20 -0.11 0.06 0.02
Price-to-Fair Value
1.05 1.29 1.05 3.28 3.04
Enterprise Value Multiple
0.00 9.11 0.00 0.00 0.00
Enterprise Value
1.82B 2.20B 1.82B 2.09B 1.10B
EV to EBITDA
0.00 9.11 0.00 0.00 0.00
EV to Sales
6.21 1.91 6.21 5.23 3.24
EV to Free Cash Flow
5.32 4.84 5.32 10.19 5.20
EV to Operating Cash Flow
5.25 4.80 5.25 9.85 5.18
Tangible Book Value Per Share
24.95 36.73 24.95 21.73 8.04
Shareholders’ Equity Per Share
25.05 29.97 25.05 21.76 8.10
Tax and Other Ratios
Effective Tax Rate
0.10 0.21 0.10 0.19 0.18
Revenue Per Share
20.00 79.65 20.00 26.52 23.49
Net Income Per Share
9.27 7.09 9.27 11.80 6.50
Tax Burden
0.91 0.80 0.91 0.81 0.82
Interest Burden
-30.79 0.54 -30.79 -88.04 -14.39
Research & Development to Revenue
<0.01 0.00 <0.01 <0.01 <0.01
SG&A to Revenue
0.15 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
2.57 4.47 2.57 1.19 2.27
Currency in USD
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