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

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Atlanticus Holdings Ratios

ATLC's free cash flow for Q4 2025 was $0.49. For the 2025 fiscal year, ATLC's free cash flow was decreased by $ and operating cash flow was $0.19. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 1.76 1.76 5.21 5.51 9.30
Quick Ratio
 1.76 1.76 5.21 5.51 9.30
Cash Ratio
 1.42 1.42 5.21 5.51 8.68
Solvency Ratio
 0.02 0.02 0.04 0.05 0.07
Operating Cash Flow Ratio
 1.46 1.46 6.51 7.45 7.81
Short-Term Operating Cash Flow Coverage
 0.00 0.00 0.00 0.00 0.00
Net Current Asset Value
$ -6.25B$ -6.25B$ -2.41B$ -1.97B$ -1.65B
Leverage Ratios
Debt-to-Assets Ratio
 0.86 0.86 0.77 0.75 0.76
Debt-to-Equity Ratio
 10.75 10.75 5.08 5.13 5.57
Debt-to-Capital Ratio
 0.91 0.91 0.84 0.84 0.85
Long-Term Debt-to-Capital Ratio
 0.91 0.91 0.83 0.84 0.85
Financial Leverage Ratio
 12.52 12.52 6.64 6.86 7.32
Debt Service Coverage Ratio
 0.43 0.43 0.72 0.97 1.70
Interest Coverage Ratio
 0.53 0.53 0.87 1.18 1.82
Debt to Market Cap
 5.63 6.44 3.02 3.58 4.69
Interest Debt Per Share
 452.56 452.56 180.73 147.25 129.86
Net Debt to EBITDA
 34.91 34.91 14.81 12.72 9.30
Profitability Margins
Gross Profit Margin
56.26%56.26%61.59%69.51%77.80%
EBIT Margin
22.67%22.67%30.15%35.16%39.87%
EBITDA Margin
24.08%24.08%31.28%36.26%41.16%
Operating Profit Margin
22.67%22.67%30.15%35.16%39.87%
Pretax Profit Margin
22.67%22.67%30.15%35.16%39.87%
Net Profit Margin
17.35%17.35%24.22%28.12%36.22%
Continuous Operations Profit Margin
17.12%17.12%23.96%27.88%35.95%
Net Income Per EBT
76.51%76.51%80.31%80.00%90.84%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.60%1.60%3.40%3.80%5.68%
Return on Equity (ROE)
20.94%20.08%22.58%26.06%41.54%
Return on Capital Employed (ROCE)
2.22%2.22%4.33%4.86%6.37%
Return on Invested Capital (ROIC)
1.68%1.68%3.44%3.85%5.74%
Return on Tangible Assets
1.61%1.61%3.40%3.80%5.68%
Earnings Yield
10.41%12.07%13.53%18.34%35.38%
Efficiency Ratios
Receivables Turnover
 0.00 0.00 0.00 0.00 0.00
Payables Turnover
 1.08 1.08 2.45 1.81 1.87
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 25.44 25.44 18.84 16.07 17.18
Asset Turnover
 0.09 0.09 0.14 0.14 0.16
Working Capital Turnover Ratio
 2.05 2.22 1.58 1.13 1.00
Cash Conversion Cycle
 -337.02 -337.02 -149.04 -201.77 -194.71
Days of Sales Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 337.02 337.02 149.04 201.77 194.71
Operating Cycle
 0.00 0.00 0.00 0.00 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
 42.18 42.18 31.83 31.67 23.66
Free Cash Flow Per Share
 41.68 41.85 31.71 31.39 23.33
CapEx Per Share
 0.50 0.33 0.12 0.28 0.33
Free Cash Flow to Operating Cash Flow
 0.99 0.99 1.00 0.99 0.99
Dividend Paid and CapEx Coverage Ratio
 31.91 36.54 17.05 15.89 11.68
Capital Expenditure Coverage Ratio
 84.40 126.98 262.38 115.06 71.34
Operating Cash Flow Coverage Ratio
 0.10 0.10 0.19 0.23 0.19
Operating Cash Flow to Sales Ratio
 0.91 0.91 1.02 1.26 0.92
Free Cash Flow Yield
54.49%62.51%56.84%81.18%89.04%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 9.60 8.29 7.39 5.45 2.83
Price-to-Sales (P/S) Ratio
 1.64 1.44 1.79 1.53 1.02
Price-to-Book (P/B) Ratio
 1.93 1.66 1.67 1.42 1.17
Price-to-Free Cash Flow (P/FCF) Ratio
 1.84 1.60 1.76 1.23 1.12
Price-to-Operating Cash Flow Ratio
 1.84 1.59 1.75 1.22 1.11
Price-to-Earnings Growth (PEG) Ratio
 0.39 0.34 0.68 -0.19 -0.11
Price-to-Fair Value
 1.93 1.66 1.67 1.42 1.17
Enterprise Value Multiple
 41.73 40.88 20.54 16.95 11.78
Enterprise Value
 7.08B 6.93B 2.95B 2.25B 1.82B
EV to EBITDA
 41.73 40.88 20.54 16.95 11.78
EV to Sales
 10.05 9.84 6.42 6.15 4.85
EV to Free Cash Flow
 11.23 10.96 6.31 4.94 5.32
EV to Operating Cash Flow
 11.10 10.87 6.29 4.89 5.25
Tangible Book Value Per Share
 37.92 37.92 33.18 27.06 22.22
Shareholders’ Equity Per Share
 40.25 40.25 33.42 27.21 22.31
Tax and Other Ratios
Effective Tax Rate
 0.24 0.24 0.21 0.21 0.10
Revenue Per Share
 46.58 46.58 31.16 25.21 25.59
Net Income Per Share
 8.08 8.08 7.55 7.09 9.27
Tax Burden
 0.77 0.77 0.80 0.80 0.91
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.26 0.26 0.23 0.12 0.12
Stock-Based Compensation to Revenue
 <0.01 <0.01 <0.01 0.01 0.01
Income Quality
 5.27 5.29 4.22 4.47 2.57
Currency in USD