Atlanticus Holdings Corporation (ATLC) vs The Western Union Company (WU)

Atlanticus Holdings Corporation and The Western Union Company are both Credit Services companies. The Western Union Company is the larger, with a market value of $1.9B against $1.4B — 1.4× the size. The Western Union Company trades at the lower P/E: 4.9× against 9.6×. Atlanticus Holdings Corporation grew revenue faster over the last twelve months: 83.7% against −1.63%. The Western Union Company has the higher net margin (9.79% vs 5.46%) and the lower return on invested capital (14.9% vs 17.1%). Both pay a dividend; The Western Union Company yields more (7.89% vs 1.22%). Across the 22 metrics below, Atlanticus Holdings Corporation leads on 14 and The Western Union Company on 8.

Valuation

Metric ATLC WU Credit Services median
P/E 9.63 4.94 9.64
P/S 0.53 0.48 0.87
P/B 2.01 2.11 1.16
Price to free cash flow 1.50 4.56 2.99
EV/EBITDA n/m 4.52 9.58
EV/Sales 0.55 0.92 2.32
Earnings yield 10.39% 20.23% 6.72%
Free cash flow yield 66.80% 21.94% 12.33%

Profitability

Metric ATLC WU Credit Services median
Gross margin 83.16% 35.09% 77.13%
Operating margin 0.00% 15.91% 0.34%
Net margin 5.46% 9.79% 9.25%
Free cash flow margin 35.30% 10.51% 13.03%
Return on equity 23.04% 43.97% 8.49%
Return on assets 2.60% 4.96% 2.29%
Return on invested capital 17.09% 14.91% 4.09%

Growth

Metric ATLC WU Credit Services median
Revenue growth (TTM) 83.72% (1.63%) 4.62%
EPS growth (last fiscal year) 24.95% (44.53%) —
Revenue growth, 5-year CAGR 28.43% (3.48%) 9.13%
Net income growth, 5-year CAGR 7.73% (7.66%) 0.00%

Health

Metric ATLC WU Credit Services median
Debt to equity 0.99 2.95 0.68
Current ratio 1.26 1.12 1.55
Net debt to EBITDA 0.00 1.78 0.13

Dividend

Metric ATLC WU Credit Services median
Dividend yield 1.22% 7.89% 3.34%
Payout ratio 0.00 0.48 0.00

Size

Metric ATLC WU Credit Services median
Market cap 1.39b 1.89b 872.19m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack