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Screener Weekly Summary Pricing

Atlanticus Holdings Corporation (ATLC) vs World Acceptance Corporation (WRLD)

Atlanticus Holdings Corporation and World Acceptance Corporation are both Credit Services companies. Atlanticus Holdings Corporation is the larger, with a market value of $1.4B against $796.2M — 1.7× the size. Atlanticus Holdings Corporation trades at the lower P/E: 9.6× against 20.3×. Atlanticus Holdings Corporation grew revenue faster over the last twelve months: 83.7% against 4.26%. World Acceptance Corporation has the higher net margin (6.61% vs 5.46%) and the lower return on invested capital (3.97% vs 17.1%). Across the 21 metrics below, Atlanticus Holdings Corporation leads on 15 and World Acceptance Corporation on 6.

Valuation

Metric ATLC WRLD Credit Services median
P/E 9.63 20.33 9.64
P/S 0.53 1.31 0.87
P/B 2.01 2.13 1.16
Price to free cash flow 1.50 2.99 2.99
EV/EBITDA n/m 9.47 9.58
EV/Sales 0.55 2.05 2.32
Earnings yield 10.39% 4.92% 6.72%
Free cash flow yield 66.80% 33.43% 12.33%

Profitability

Metric ATLC WRLD Credit Services median
Gross margin 83.16% 100.00% 77.13%
Operating margin 0.00% 17.26% 0.34%
Net margin 5.46% 6.61% 9.25%
Free cash flow margin 35.30% 44.29% 13.03%
Return on equity 23.04% 9.90% 8.49%
Return on assets 2.60% 3.72% 2.29%
Return on invested capital 17.09% 3.97% 4.09%

Growth

Metric ATLC WRLD Credit Services median
Revenue growth (TTM) 83.72% 4.26% 4.62%
EPS growth (last fiscal year) 24.95% (57.24%) —
Revenue growth, 5-year CAGR 28.43% 2.08% 9.13%
Net income growth, 5-year CAGR 7.73% (17.09%) 0.00%

Health

Metric ATLC WRLD Credit Services median
Debt to equity 0.99 1.29 0.68
Current ratio 1.26 13.49 1.55
Net debt to EBITDA 0.00 3.46 0.13

Dividend

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

Size

Metric ATLC WRLD Credit Services median
Market cap 1.39b 796.24m 872.19m

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