Atlanticus Holdings (YCC) Ratios
Atlanticus Holdings Ratios
DE:YCC's free cash flow for Q2 2026 was $276.86M. For the 2026 fiscal year, DE:YCC's free cash flow was decreased by $-68.00K and operating cash flow was $276.93M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 1.76 | 5.21 | 5.51 | 9.30 | 10.06 |
| Quick Ratio | 1.76 | 5.21 | 5.51 | 9.30 | 10.06 |
| Cash Ratio | 1.42 | 5.21 | 5.51 | 8.68 | 9.69 |
| Solvency Ratio | 0.02 | 0.04 | 0.05 | 0.07 | 0.11 |
| Operating Cash Flow Ratio | 1.46 | 6.51 | 7.45 | 7.81 | 5.02 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Current Asset Value | $ -6.25B | $ -2.41B | $ -1.97B | $ -1.65B | $ -1.23B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.86 | 0.77 | 0.75 | 0.76 | 0.73 |
| Debt-to-Equity Ratio | 10.75 | 5.08 | 5.13 | 5.57 | 4.95 |
| Debt-to-Capital Ratio | 0.91 | 0.84 | 0.84 | 0.85 | 0.83 |
| Long-Term Debt-to-Capital Ratio | 0.91 | 0.83 | 0.84 | 0.85 | 0.83 |
| Financial Leverage Ratio | 12.52 | 6.64 | 6.86 | 7.32 | 6.75 |
| Debt Service Coverage Ratio | 0.43 | 0.72 | 0.97 | 1.70 | 3.33 |
| Interest Coverage Ratio | 0.53 | 0.87 | 1.18 | 1.82 | 4.06 |
| Debt to Market Cap | 6.44 | 3.02 | 3.58 | 4.69 | 1.32 |
| Interest Debt Per Share | 452.56 | 180.73 | 147.25 | 129.86 | 98.23 |
| Net Debt to EBITDA | 34.91 | 14.81 | 12.72 | 9.30 | 4.58 |
| Profitability Margins | |||||
| Gross Profit Margin | 56.26% | 61.59% | 69.51% | 77.80% | 80.04% |
| EBIT Margin | 22.67% | 30.15% | 35.16% | 39.87% | 48.37% |
| EBITDA Margin | 24.08% | 31.28% | 36.26% | 41.16% | 48.92% |
| Operating Profit Margin | 22.67% | 30.15% | 35.16% | 39.87% | 48.37% |
| Pretax Profit Margin | 22.67% | 30.15% | 35.16% | 39.87% | 48.37% |
| Net Profit Margin | 17.35% | 24.22% | 28.12% | 36.22% | 39.19% |
| Continuous Operations Profit Margin | 17.12% | 23.96% | 27.88% | 35.95% | 39.17% |
| Net Income Per EBT | 76.51% | 80.31% | 80.00% | 90.84% | 81.02% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 1.60% | 3.40% | 3.80% | 5.68% | 9.15% |
| Return on Equity (ROE) | 20.08% | 22.58% | 26.06% | 41.54% | 61.77% |
| Return on Capital Employed (ROCE) | 2.22% | 4.33% | 4.86% | 6.37% | 11.55% |
| Return on Invested Capital (ROIC) | 1.68% | 3.44% | 3.85% | 5.74% | 9.35% |
| Return on Tangible Assets | 1.61% | 3.40% | 3.80% | 5.68% | 9.15% |
| Earnings Yield | 12.07% | 13.53% | 18.34% | 35.38% | 16.55% |
| Efficiency Ratios | |||||
| Receivables Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Payables Turnover | 1.08 | 2.45 | 1.81 | 1.87 | 2.14 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 25.44 | 18.84 | 16.07 | 17.18 | 39.99 |
| Asset Turnover | 0.09 | 0.14 | 0.14 | 0.16 | 0.23 |
| Working Capital Turnover Ratio | 2.22 | 1.58 | 1.13 | 1.00 | 1.70 |
| Cash Conversion Cycle | -337.02 | -149.04 | -201.77 | -194.71 | -170.40 |
| Days of Sales Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 337.02 | 149.04 | 201.77 | 194.71 | 170.40 |
| Operating Cycle | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 42.18 | 31.83 | 31.67 | 23.66 | 14.09 |
| Free Cash Flow Per Share | 41.85 | 31.71 | 31.39 | 23.33 | 13.62 |
| Dividend Paid and CapEx Coverage Ratio | 36.54 | 17.05 | 15.89 | 11.68 | 7.35 |
| Capital Expenditure Coverage Ratio | 126.98 | 262.38 | 115.06 | 71.34 | 29.96 |
| Operating Cash Flow Coverage Ratio | 0.10 | 0.19 | 0.23 | 0.19 | 0.15 |
| Operating Cash Flow to Sales Ratio | 0.91 | 1.02 | 1.26 | 0.92 | 0.47 |
| Free Cash Flow Yield | 62.51% | 56.84% | 81.18% | 89.04% | 19.09% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 9.06 | 7.39 | 5.45 | 2.83 | 6.04 |
| Price-to-Sales (P/S) Ratio | 1.44 | 1.79 | 1.53 | 1.02 | 2.37 |
| Price-to-Book (P/B) Ratio | 1.66 | 1.67 | 1.42 | 1.17 | 3.73 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 1.60 | 1.76 | 1.23 | 1.12 | 5.24 |
| Price-to-Operating Cash Flow Ratio | 1.59 | 1.75 | 1.22 | 1.11 | 5.06 |
| Price-to-Earnings Growth (PEG) Ratio | 0.37 | 0.68 | -0.19 | -0.11 | 0.06 |
| Enterprise Value Multiple | 40.88 | 20.54 | 16.95 | 11.78 | 9.42 |
| Enterprise Value | 6.93B | 2.95B | 2.25B | 1.82B | 2.09B |
| EV to EBITDA | 40.88 | 20.54 | 16.95 | 11.78 | 9.42 |
| EV to Sales | 9.84 | 6.42 | 6.15 | 4.85 | 4.61 |
| EV to Free Cash Flow | 10.96 | 6.31 | 4.94 | 5.32 | 10.19 |
| EV to Operating Cash Flow | 10.87 | 6.29 | 4.89 | 5.25 | 9.85 |
| Tangible Book Value Per Share | 37.92 | 33.18 | 27.06 | 22.22 | 19.07 |
| Shareholders’ Equity Per Share | 40.25 | 33.42 | 27.21 | 22.31 | 19.11 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.24 | 0.21 | 0.21 | 0.10 | 0.19 |
| Revenue Per Share | 46.58 | 31.16 | 25.21 | 25.59 | 30.11 |
| Net Income Per Share | 8.08 | 7.55 | 7.09 | 9.27 | 11.80 |
| Tax Burden | 0.77 | 0.80 | 0.80 | 0.91 | 0.81 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.26 | 0.23 | 0.12 | 0.12 | 0.07 |
| Stock-Based Compensation to Revenue | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Income Quality | 5.29 | 4.22 | 4.47 | 2.57 | 1.19 |
Currency in USD