📊 ATLCZ Key Takeaways
Investment Thesis
Atlanticus demonstrates strong operational fundamentals with exceptional revenue growth of 535.8% YoY and robust profitability metrics including 20.1% ROE and 32.4% FCF margin. The company generates substantial free cash flow ($637.9M) with minimal capital requirements, indicating a capital-light business model. However, the extremely low interest coverage ratio (0.5x) and high leverage ratio (7.0B liabilities vs 608.7M equity) present meaningful credit risks that warrant monitoring.
ATLCZ Strengths
- Explosive revenue growth of 535.8% YoY demonstrates strong market demand and business expansion
- Exceptional free cash flow generation of $637.9M with 32.4% FCF margin indicates high-quality earnings
- Strong ROE of 20.1% shows efficient capital deployment and shareholder value creation
- Net income growth of 9.3% YoY and EPS growth of 24.9% YoY show sustainable profitability
ATLCZ Risks
- Critically low interest coverage ratio of 0.5x suggests potential debt servicing stress and financial distress vulnerability
- Highly leveraged capital structure with 7.0B liabilities against only 608.7M equity (11.5x leverage) creates significant financial risk
- Net margin of only 6.2% is modest relative to debt burden, leaving limited cushion for operational deterioration
- Significant revenue growth may not be sustainable; reversion to historical growth rates could pressure cash flow
Key Metrics to Watch
- Interest coverage ratio trend - critical indicator of debt sustainability
- Debt/equity ratio and total leverage levels - monitor for covenant compliance and refinancing risks
- Free cash flow conversion and sustainability of 32.4% FCF margin
- Revenue growth sustainability and net margin stability
- Asset quality and loan portfolio composition given personal credit institution nature
ATLCZ Financial Metrics
💡 AI Analyst Insight
The 32.4% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
ATLCZ Profitability Ratios
ATLCZ vs Default Sector
How Atlanticus Holdings Corp compares to Default sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
ATLCZ Balance Sheet & Liquidity
ATLCZ 5-Year Financial Trend
5-Year Trend Summary: Atlanticus Holdings Corp's revenue has grown significantly by 911% over the 5-year period, indicating strong business expansion. The most recent EPS of $4.77 reflects profitable operations.
ATLCZ Growth Metrics (YoY)
ATLCZ Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $62.9M | $25.0M | $1.21 |
| Q2 2025 | $56.6M | $24.3M | $0.99 |
| Q1 2025 | $36.2M | $26.2M | $1.09 |
| Q3 2024 | $10.4M | $25.2M | $1.03 |
| Q2 2024 | $7.8M | $24.3M | $0.99 |
| Q1 2024 | $6.9M | $26.2M | $1.08 |
| Q3 2023 | $10.4M | $25.2M | $1.03 |
| Q2 2023 | $7.8M | $25.1M | $1.02 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
ATLCZ Capital Allocation
ATLCZ SEC Filings
Access official SEC EDGAR filings for Atlanticus Holdings Corp (CIK: 0001464343)
📋 Recent SEC Filings
❓ Frequently Asked Questions about ATLCZ
What is the AI rating for ATLCZ?
Atlanticus Holdings Corp (ATLCZ) has an AI rating of BUY with 72% confidence, based on fundamental analysis of SEC EDGAR filings.
What are ATLCZ's key strengths?
Explosive revenue growth of 535.8% YoY demonstrates strong market demand and business expansion. Exceptional free cash flow generation of $637.9M with 32.4% FCF margin indicates high-quality earnings.
What are the risks of investing in ATLCZ?
Critically low interest coverage ratio of 0.5x suggests potential debt servicing stress and financial distress vulnerability. Highly leveraged capital structure with 7.0B liabilities against only 608.7M equity (11.5x leverage) creates significant financial risk.
What is ATLCZ's revenue and growth?
Atlanticus Holdings Corp reported revenue of $2.0B.
Does ATLCZ pay dividends?
Atlanticus Holdings Corp does not currently pay dividends.
Where can I find ATLCZ SEC filings?
Official SEC filings for Atlanticus Holdings Corp (CIK: 0001464343) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is ATLCZ's EPS?
Atlanticus Holdings Corp has a diluted EPS of $5.96.
How is the AI analysis conducted?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.