Atlanticus Holdings Corporation ATLCP | NASDAQ

Dividends

Company Overview:

Market Cap: $1.21B
Trailing PE: 1.8x
FWD PE *: 1.7x
Payout Ratio (TTM): 3.1%
52-Week Range: $20.00 - $24.90

* Forward PE is based on street estimates.

5.4 Year ATLCP Performance Metrics:

Total Return (with DRIP): 23.4% (3.96% CAGR)
Total Return (no DRIP): 19.4% (3.33% CAGR)
Share Price: -15.4% (-3.05% CAGR)
Yield on Cost (with DRIP): 11.25%
Total Invested: $10,000
Total Value (with DRIP): $12,340
Total Return $ (with DRIP): $2,340
Dividend Increase: 0.0% (0.00% CAGR)
Dividend Yield (FWD): 9.12% ($1.91)
ATLCP 5.4-yr Total Return ($10K invested)
1M 3M 6M YTD 1Y 3Y 5Y 10Y
ATLCP Share Price
1M 3M 6M YTD 1Y 3Y 5Y 10Y All
ATLCP Price CAGR:1Y: -13.52%2Y: -5.59%5Y: -3.55%10Y: -3.05%
ATLCP Dividend Charts
ATLCP - Dividends
ATLCP Dividend CAGR:1Y: 0.00%2Y: 0.00%5Y: -0.87%10Y: -0.87%
ATLCP - Dividend Payout Ratio
ATLCP Dividend Payout Ratio CAGR:1Y: -73.55%2Y: -68.48%5Y: -28.82%10Y: 0.00%
ATLCP - Dividend to Free Cash Flow Ratio
ATLCP Dividend to FCF Ratio CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
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ATLCP - Chart 1
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ATLCP Financials: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:

Revenue
ATLCP Revenue CAGR:1Y: 650.88%2Y: 154.91%5Y: 43.85%10Y: 45.63%
Earnings Per Share (EPS)
ATLCP EPS CAGR:1Y: 312.71%2Y: 95.82%5Y: 19.97%10Y: 0.00%
Net Income
ATLCP Net Income CAGR:1Y: 287.79%2Y: 79.65%5Y: 15.21%10Y: 0.00%
EBITDA
ATLCP EBITDA CAGR:1Y: 544.17%2Y: 141.68%5Y: 31.82%10Y: 0.00%
Free Cash Flow
ATLCP Free Cash Flow CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
Free Cash Flow / Share
ATLCP Free Cash Flow / Share CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
Operating Income
ATLCP Operating Income CAGR:1Y: 498.13%2Y: 128.26%5Y: 27.40%10Y: 0.00%
Gross Profit
ATLCP Gross Profit CAGR:1Y: 249.90%2Y: 121.96%5Y: 27.82%10Y: 0.00%
Shares Outstanding
ATLCP Shares Outstanding CAGR:1Y: 0.18%2Y: 1.09%5Y: -1.61%10Y: 3.27%
Share Buybacks
ATLCP Share Buybacks CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
Stock-Based Comp
ATLCP Stock-Based Comp CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
Expenses
ATLCP Expenses CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
Revenue vs Net Income
EPS vs FCF / Share
EPS vs PE Ratio
FCF vs FCF / Share
FCF vs Stock Based Comp
Cash & Debt
Revenue by Segment
ATLCP Revenue CAGR:1Y: 650.88%2Y: 154.91%5Y: 43.85%10Y: 45.63%

Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

REVENUE: Actual + Estimates
ATLCP Actual Revenue CAGR:1Y: 650.88%2Y: 154.91%5Y: 43.85%10Y: 45.63%
EPS: Actual + Estimates
ATLCP Actual EPS CAGR:1Y: 312.71%2Y: 95.82%5Y: 19.97%10Y: 0.00%
NET INCOME: Actual + Estimates
ATLCP Actual Net Income CAGR:1Y: 287.79%2Y: 79.65%5Y: 15.21%10Y: 0.00%
EBITDA: Actual + Estimates
ATLCP Actual EBITDA CAGR:1Y: 544.17%2Y: 141.68%5Y: 31.82%10Y: 0.00%

Ratios, Profit Margins & Return on Capital:

Net Profit Margin
ATLCP Net Profit Margin CAGR:1Y: -12.03%2Y: -29.52%5Y: -19.91%10Y: 0.00%
Gross Profit Margin
ATLCP Gross Profit Margin CAGR:1Y: -19.37%2Y: -12.93%5Y: -11.14%10Y: 0.00%
Price to Earnings
ATLCP Price to Earnings CAGR:1Y: -63.32%2Y: -19.67%5Y: -6.34%10Y: 0.00%
Price To Sales Ratio
ATLCP Price To Sales Ratio CAGR:1Y: -65.35%2Y: -37.03%5Y: -23.06%10Y: -2.91%
Return on Capital Employed
ATLCP Return on Capital Employed CAGR:1Y: 2,235.88%2Y: 194.10%5Y: 21.98%10Y: 0.00%
Return on Invested Capital
ATLCP Return on Invested Capital CAGR:1Y: 7,504.78%2Y: 419.31%5Y: 51.95%10Y: 0.00%

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ATLCP Dividends Info:

Annual Dividend: $1.906252
Forward Yield: 9.12%
Ex-Dividend Date: 2026-09-01
Lifetime Dividends / Share: $10.03

Projected Future Returns & Dividends for ATLCP

Based on past 5.4-year performance, here are ATLCP growth metrics:

Share price CAGR of -3.05%
Dividend CAGR of -0.87%

Using ATLCP CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

ATLCP (DRIP)ATLCP - No DRIP
Current Price$20.91$20.91
Start Shares478.24478.24
Start Value$10,000$10,000
  
After 10 years:
Final Share Count1,177.94478.24
Dividends Payment$0.35$0.35
Annual Dividends$1,647$669
Yield on cost16.47%6.69%
Share Price$15.34$15.34
Total Dividends$12,488$7,961
Final Value$18,066$15,296

Estimated Future Value + Dividends - ATLCP

NOTE: Above numbers are our estimate based on ATLCP's Dividend and Price CAGR over past 5.4 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

Company Info

Atlanticus Holdings Corporation (ATLCP) had its IPO on 2021-06-14, and is traded on NASDAQ stock exchange.

Atlanticus Holdings Corporation is a U.S.-based financial services company specializing in credit and related financial products for consumers. Its operations are primarily divided into two key segments: Credit as a Service and Auto Finance. The Credit as a Service segment focuses on originating diverse consumer loan products. This includes both private label and general-purpose credit cards, which are issued by lenders through various distribution channels such as retail partnerships, healthcare providers, direct marketing campaigns, digital platforms, and strategic collaborations. It also extends credit to consumers for a wide array of purchases, from consumer electronics and furniture to elective medical procedures, general healthcare, educational services, and home improvements, achieved through partnerships with retailers and service providers. Furthermore, this segment provides comprehensive loan servicing, encompassing risk management and customer service outsourcing for other entities. It also actively tests and invests in emerging consumer finance technology platforms. The Auto Finance segment is dedicated to acquiring and/or servicing automobile-secured loans. These loans originate from a vetted network of independent automotive dealerships and finance companies operating within the buy-here, pay-here and used car sectors. Additionally, it offers floor plan financing and various installment lending products. Beyond its segments, Atlanticus also actively invests in and manages portfolios of credit card receivables. Established in 1996, Atlanticus Holdings Corporation is headquartered in Atlanta, Georgia.

ATLCP website: https://www.atlanticus.com


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DCF Model — ATLCP

Value from:
Pay up to today
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vs current price $20.91
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Cash flow & implied price by year

FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.

EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.

Free cash flow today
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grows for the next years
Then mature
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every future dollar counted back to today
Pile of today-dollars
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÷ shares
Implied price path
YearFCFImplied price
Sensitivity — fair value: growth ↓ × target return →