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Screener Weekly Summary Pricing

Atlanticus Holdings Corporation (ATLC) vs Jefferson Capital, Inc. (JCAP)

Atlanticus Holdings Corporation and Jefferson Capital, Inc. are both Credit Services companies. Atlanticus Holdings Corporation is the larger, with a market value of $1.4B against $1.1B — 1.2× the size. Jefferson Capital, Inc. trades at the lower P/E: 7.9× against 9.6×. Atlanticus Holdings Corporation grew revenue faster over the last twelve months: 83.7% against 26.4%. Jefferson Capital, Inc. has the higher net margin (20.1% vs 5.46%) and the higher return on invested capital (42.0% vs 17.1%). Across the 18 metrics below, Atlanticus Holdings Corporation leads on 9 and Jefferson Capital, Inc. on 9.

Valuation

Metric ATLC JCAP Credit Services median
P/E 9.63 7.90 9.64
P/S 0.53 1.63 0.87
P/B 2.01 2.26 1.16
Price to free cash flow 1.50 4.89 2.99
EV/EBITDA n/m 3.34 9.58
EV/Sales 0.55 1.59 2.32
Earnings yield 10.39% 12.66% 6.72%
Free cash flow yield 66.80% 20.45% 12.33%

Profitability

Metric ATLC JCAP Credit Services median
Gross margin 83.16% 64.54% 77.13%
Operating margin 0.00% 45.82% 0.34%
Net margin 5.46% 20.06% 9.25%
Free cash flow margin 35.30% 33.30% 13.03%
Return on equity 23.04% 29.83% 8.49%
Return on assets 2.60% 6.87% 2.29%
Return on invested capital 17.09% 41.96% 4.09%

Growth

Metric ATLC JCAP Credit Services median
Revenue growth (TTM) 83.72% 26.35% 4.62%
EPS growth (last fiscal year) 24.95% — —
Revenue growth, 5-year CAGR 28.43% — 9.13%
Net income growth, 5-year CAGR 7.73% — 0.00%

Health

Metric ATLC JCAP Credit Services median
Debt to equity 0.99 0.00 0.68
Current ratio 1.26 0.03 1.55
Net debt to EBITDA 0.00 (0.14) 0.13

Dividend

Metric ATLC JCAP Credit Services median
Dividend yield 1.22% — 3.34%
Payout ratio 0.00 — 0.00

Size

Metric ATLC JCAP Credit Services median
Market cap 1.39b 1.12b 872.19m

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