Atlanticus Holdings Corp
NASDAQ:ATLC
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EV/EBIT
Enterprise Value to EBIT (EV/EBIT) ratio compares a company`s total enterprise value to its earnings before interest and taxes. It shows how much investors are paying for each dollar of the company`s earnings, including both equity and debt.
Enterprise Value to EBIT (EV/EBIT) ratio compares a company`s total enterprise value to its earnings before interest and taxes. It shows how much investors are paying for each dollar of the company`s earnings, including both equity and debt.
Valuation Scenarios
If EV/EBIT returns to its 3-Year Average (19.2), the stock would be worth $33.2 (56% downside from current price).
| Scenario | EV/EBIT Value | Implied Price | Upside/Downside |
|---|---|---|---|
| Current Multiple | 44 | $76.22 |
0%
|
| 3-Year Average | 19.2 | $33.2 |
-56%
|
| 5-Year Average | 15.7 | $27.11 |
-64%
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| Industry Average | 20 | $34.57 |
-55%
|
| Country Average | 19.6 | $33.96 |
-55%
|
Forward EV/EBIT
Today’s price vs future ebit
| Today's Enterprise Value | EBIT | Forward EV/EBIT | ||
|---|---|---|---|---|
|
$6.7B
|
/ |
Jan 2026
$159.7m
|
= |
|
|
$6.7B
|
/ |
Dec 2026
$202.6m
|
= |
|
Forward EV/EBIT shows whether today’s EV/EBIT still looks high or low once future ebit are taken into account.
Peer Comparison
| Market Cap | EV/EBIT | P/E | ||||
|---|---|---|---|---|---|---|
| US |
|
Atlanticus Holdings Corp
NASDAQ:ATLC
|
1.1B USD | 44 | 10.2 | |
| US |
|
American Express Co
NYSE:AXP
|
218.5B USD | 27.7 | 20.4 | |
| US |
|
Capital One Financial Corp
NYSE:COF
|
122.9B USD | 0 | 56.5 | |
| IN |
|
Bajaj Finance Ltd
NSE:BAJFINANCE
|
5.8T INR | 26 | 31.5 | |
| US |
|
Discover Financial Services
NYSE:DFS
|
50.3B USD | 0 | 9.1 | |
| US |
|
Synchrony Financial
NYSE:SYF
|
25.8B USD | 0 | 7.3 | |
| IN |
|
Shriram Finance Ltd
NSE:SHRIRAMFIN
|
2.5T INR | 26.9 | 20.7 | |
| US |
|
SoFi Technologies Inc
NASDAQ:SOFI
|
23.3B USD | 0 | 48.4 | |
| KZ |
K
|
Kaspi.kz AO
NASDAQ:KSPI
|
16.2B USD | 0 | 0 | |
| IN |
|
Muthoot Finance Ltd
NSE:MUTHOOTFIN
|
1.4T INR | 21.7 | 16.3 | |
| IN |
|
Tata Capital Ltd
NSE:TATACAP
|
1.4T INR | 12.7 | 32.4 |
Market Distribution
| Min | 0 |
| 30th Percentile | 13.6 |
| Median | 19.6 |
| 70th Percentile | 27.8 |
| Max | 1 826 183.2 |
Other Multiples
Atlanticus Holdings Corp
Glance View
Atlanticus Holdings Corp. is a financial holding company, which engages in the provision of financial technology and related services. The company is headquartered in Atlanta, Georgia and currently employs 328 full-time employees. The Company’s segments include Credit as a Service (CaaS) and Auto Finance Segment. CaaS segment provides private label credit and general purpose credit cards originated by lenders through multiple channels, including retail and healthcare, direct mail solicitation, digital marketing and partnerships with third parties. Its flexible technology solutions allow bank partners to integrate its paperless process and instant decisioning platform with the existing infrastructure of participating retailers and service providers. Auto Finance segment conducted through its CAR platform. CAR primarily purchases and/or services loans secured by automobiles and provides floor-plan financing for pre-qualified network of independent automotive dealers and automotive finance companies in the buy-here and pay-here used car business.
