Atlanticus Holdings Story

ATLC -- USA Stock  

USD 2.96  0.29  8.92%

Macroaxis News
  
By David Taylor

Atlanticus Holdings is a financial services company that deals in both car loans and credit cards.  They originate these loans and then provide servicing for customers.  

I have been very bullish on the financial sector of the stock market.  Our economy in the United States is growing and expanding.  Because of this, the Fed is raising interest rates.  With higher interest rates ATLC will be able to earn more from its loan portfolio.  That translates into a larger bottom line without even having to grow its customer base.  As interest rates increase, the loans that ATLC has on its book will get their interest rates increased. 

Higher interest rates mean higher profits for credit card companies such as this.

Financial companies may be the story of the year and this stock may be one that has been left behind.  This is a car loan and credit card origination and maintenance company.  As interest rates move higher around the nation this company will be able to earn more through its loan portfolio that it maintains.  




Atlanticus Holdings is a financial services company that deals in both car loans and credit cards.  They originate these loans and then provide servicing for customers.  

I have been very bullish on the financial sector of the stock market.  Our economy in the United States is growing and expanding.  Because of this, the Fed is raising interest rates.  With higher interest rates ATLC will be able to earn more from its loan portfolio.  That translates into a larger bottom line without even having to grow its customer base.  As interest rates increase, the loans that ATLC has on its book will get their interest rates increased.  

At this time ATLC has been increasing its assets over the past few years.  Here is a look at the asset totals that the company has in its portfolios along with its debt, respectively:

2012:  $380,426 / $361,239

2013:  $352,235 / $351,077

2014:  $268,355 / $260,913

2015:  $280,729 / $269,778

Both total assets and total debt saw a drop in 2014 from the year previous.  The world economies were pulling back hard and the United States economy was far from immune to that.  Since then the company has been improving its assets, or its loan portfolio.  This upward trend was met with debts increasing simultaneously, however, at a slower pace.  That is positive for the company.  Given the current levels of its assets, increases in interest rates will translate into increases in revenue and earnings per share.  Here are the two aforementioned, respectively:

2012:  $156,016 / $1.27

2013:  $138,630 / ($1.29)

2014:  $167,416 / $0.51

2015:  $128,103 / $0.12

During the year 2015 total revenue declined from the previous year.  However, 2016 numbers are improved, although the financial world is awaiting the final numbers for the year.  In the meantime, the EPS is expected to push towards $0.25 per share for the year.  Right now, the stock is trading at $2.25 per share.  That would put this stock in line with my minimum criteria of 10-times earnings.  However, it is my belief that if the earnings came in at that level the stock would trade up quickly and stay there for a long time.  The timing on this stock is immediate in consideration of its earnings release coming up shortly the middle of next month.  

Regardless of where the earnings come in for the last quarter of last year, I am continually bullish on the industry.  I mentioned that interest rates are heading higher.  That means revenue for this company and it does not even need to lift a finger to get that new revenue.  We have all seen adjustments to our credit cards with the interest that we pay.  This company’s customers, along with other financial companies in the sector, are going to do the exact same across two board.  The balances on customer’s credit cards are not likely to change.  But, the makeup of the payments will.  Their interest rate will increase and the amount that gets applied to the overall balance goes down.  Again, more revenue to the company. 

As the economy in the United States continues to expand at the rate that it has been expanding, the Federal Reserve is going to have to continue to increase interest rates.   That increase will affect financial companies such as ATLC.  They will pass that interest rate down to their credit card holders.  And, the bottom line will continue to expand for this company.  

You would do well to get into a company with expanding fundamentals such as these.  And, with the company’s earnings report just around the corner, you would do well to get involved in this company soon. 

Atlanticus Holdings Competition Technical Indicators

Mean
Deviation
Jensen
Alpha
Sortino
Ratio
Treynor
Ratio
Semi
Deviation
Information
Ratio
Expected
Shortfall
Potential
Upside
Value
At Risk
Maximum
Drawdown
 7.39 (0.67)  0.00 (2.03)  0.00 (0.0489)  0.00  12.00 (18.52)  55.12 
 1.36  0.07  0.00 (0.10)  0.00  0.0451  0.00  3.64 (2.24)  9.13 
 2.39 (0.06)  0.00 (0.29)  0.00  0.0043  0.00  4.62 (5.65)  12.11 
 3.05 (0.39)  0.00  8.25  0.00 (0.0357)  0.00  3.72 (9.64)  38.17 
 1.93  0.03  0.00 (0.13)  0.00  0.0339  0.00  4.82 (4.46)  11.26 
 5.14  0.57  0.08 (1.72)  5.90  0.1 (11.96)  19.47 (14.51)  37.12 
 1.78  0.22  0.11  0.91  2.19  0.14 (2.65)  4.12 (4.60)  10.08 
 2.11  0.02  0.00 (0.15)  0.00  0.0358  0.00  4.70 (5.38)  12.59 
 2.15 (0.08)  0.00 (0.36)  0.00  0.0053  0.00  4.08 (4.70)  14.05 
 1.70 (0.05)  0.00 (0.27)  0.00  0.0137  0.00  2.43 (3.70)  8.38 

Acquisition by Deal Hudson of 28000 shares of Atlanticus Holdings subject to Rule 16b-3

Atlanticus Holdings Corporation insider trading alert for grant of common stock by Deal Hudson, the corporate stakeholder, on January 2, 2019. This event was filed by Atlanticus Holdings Corp with SEC on 2019-01-02. Statement of changes in beneficial ownership - SEC Form 4 [view details]   

About Contributor

David Taylor
   David Taylor is a Senior Member of Macroaxs Editorial Board - Sector Analysis. David is a professional writer who writes for multiple investment news outlets. His primary focus is dynamic movements in financial markets and effects of economic volatility on North American industries and sectors. David has many years of experience in financial service industry including working with major banks as a FX trader. In his free time, he does a lot of outdoors type activities including rock climbing, mountain biking, hiking, mountaineering and kayaking in the summer, and snowboarding in the winter. View Profile
This story should be regarded as informational only and should not be considered as solicitation to sell or buy any financial products. Macroaxis does not express any opinion as to the present or future value of any investments referred to in this post. This post may not be reproduced without the consent of Macroaxis LLC.

Story Momentum

This media report from Macroaxis distributed on January 31, 2017 was a factor to the next trading day price decrease.The overall trading delta against the next closing price was 3.79% . The overall trading delta when the story was published against the current closing price is 8.55% .

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