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Screener Weekly Summary Pricing

Atlanticus Holdings Corporation (ATLC) vs Lufax Holding Ltd. Sponsored ADR (LU)

Atlanticus Holdings Corporation and Lufax Holding Ltd. Sponsored ADR are both Credit Services companies. Atlanticus Holdings Corporation is the larger, with a market value of $1.4B against $1.1B — 1.3× the size. Lufax Holding Ltd. Sponsored ADR has negative trailing earnings, so its P/E is not meaningful; Atlanticus Holdings Corporation trades at 9.6×. Atlanticus Holdings Corporation grew revenue faster over the last twelve months: 83.7% against −22.5%. Atlanticus Holdings Corporation has the higher net margin (5.46% vs −13.3%) and the higher return on invested capital (17.1% vs 9.42%). Both pay a dividend; Lufax Holding Ltd. Sponsored ADR yields more (5.92% vs 1.22%). Across the 21 metrics below, Atlanticus Holdings Corporation leads on 11 and Lufax Holding Ltd. Sponsored ADR on 10.

Valuation

Metric ATLC LU Credit Services median
P/E 9.63 n/m 9.64
P/S 0.53 0.27 0.87
P/B 2.01 0.08 1.16
Price to free cash flow 1.50 11.53 2.99
EV/EBITDA n/m n/m 9.58
EV/Sales 0.55 0.00 2.32
Earnings yield 10.39% (49.59%) 6.72%
Free cash flow yield 66.80% 8.67% 12.33%

Profitability

Metric ATLC LU Credit Services median
Gross margin 83.16% 100.00% 77.13%
Operating margin 0.00% 49.67% 0.34%
Net margin 5.46% (13.30%) 9.25%
Free cash flow margin 35.30% 2.34% 13.03%
Return on equity 23.04% (3.83%) 8.49%
Return on assets 2.60% (1.50%) 2.29%
Return on invested capital 17.09% 9.42% 4.09%

Growth

Metric ATLC LU Credit Services median
Revenue growth (TTM) 83.72% (22.46%) 4.62%
EPS growth (last fiscal year) 24.95% 55.84% —
Revenue growth, 5-year CAGR 28.43% (12.93%) 9.13%
Net income growth, 5-year CAGR 7.73% 0.00% 0.00%

Health

Metric ATLC LU Credit Services median
Debt to equity 0.99 0.89 0.68
Current ratio 1.26 1.72 1.55
Net debt to EBITDA 0.00 (1.19) 0.13

Dividend

Metric ATLC LU Credit Services median
Dividend yield 1.22% 5.92% 3.34%
Payout ratio 0.00 1.69 0.00

Size

Metric ATLC LU Credit Services median
Market cap 1.39b 1.11b 872.19m

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