Atlanticus Holdings Corporation cash flow to debt ratio of 9.75% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Atlanticus Holdings Corporation's free cash flow has increased 35.35% from $467.62M last year to $632.94M, signaling increasing performance

Atlanticus Holdings Corporation's debt to equity ratio is 8.97, which means that the company's assets are unhealthy financed, signaling financial risk.

Atlanticus Holdings Corporation's debt has increased relative to shareholder equity from 5.08 last year to 8.97 today, signaling weakened financials

Atlanticus Holdings Corporation has a net debt to EBITDA ratio of 34.91x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk

Atlanticus Holdings Corporation earns at least as much interest as it pays. Interest obligations are fully covered.

Atlanticus Holdings Corporation's profit margin has decreased (65.63%) in the last year from 24.22% to 8.32%, signaling decreasing performance

Atlanticus Holdings Corporation's short-term assets of $767.41M exceed its short-term liabilities of $436.65M

Atlanticus Holdings Corporation's return on assets of 2.06% is lower than the 5.00% threshold, indicating inefficient asset utilization

Atlanticus Holdings Corporation's return on equity of 23.44%, is higher than 15.00%, indicating good performance

Atlanticus Holdings Corporation's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Atlanticus Holdings Corporation had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Atlanticus Holdings Corporation has positive free cash flow, indicating the company generates cash after capital expenditures

Atlanticus Holdings Corporation has a free cash flow yield of 43.71%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Atlanticus Holdings Corporation's yearly earnings has increased 9.80% since last year from $111.30M to $122.20M, signaling increasing performance

Atlanticus Holdings Corporation's yearly revenue has increased 50.26% since last year from $1.31B to $1.97B, signaling increasing performance

ROIC 5.49% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. See methodology.

Atlanticus Holdings Corporation's 3-year revenue CAGR of 23.45% is positive, indicating growing revenue over the past 3 years

Atlanticus Holdings Corporation had revenue growth in 3 out of 5 years, indicating consistent revenue performance

Atlanticus Holdings Corporation had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Atlanticus Holdings Corporation is undervalued relative to its fair value price of 350.90 based on Discounted Cash Flow model

Atlanticus Holdings Corporation has an earnings yield of 10.63%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Atlanticus Holdings Corporation is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model

Atlanticus Holdings Corporation has an EV/EBITDA ratio of 43.45x, which exceeds the 20.00x threshold, indicating the stock may be overvalued relative to its operating earnings

Atlanticus Holdings Corporation is undervalued relative to its fair value price of 251.28 based on Earnings Fair Value model

Atlanticus Holdings Corporation has a PEG-ratio over 1 which is considered overvalued

Atlanticus Holdings Corporation has a price-to-book ratio of 2.08x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Atlanticus Holdings Corporation has a price-to-sales ratio of 0.78x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue