Atlanticus vs Regional Management
ATLC and RM side by side, both in personal credit institutions. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How ATLC and RM compare
Atlanticus is the larger company, worth 4.2 times as much as Regional Management ($1.4B against $335M).
On earnings, Regional Management is cheaper: it trades at 7.6× trailing earnings, against 12.2× for Atlanticus.
Atlanticus grew revenue faster over the last twelve months (83.7% versus 9.6% for Regional Management).
Regional Management keeps more of each dollar of sales as profit, with a net margin of 7.0% compared with 5.8% at Atlanticus.
Regional Management pays a dividend yielding 3.3%; Atlanticus does not pay one.
Regional Management scores higher on the StockData Score (14 against 10 for Atlanticus), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | ATLC | RM |
|---|---|---|
| Size and price | ||
| Market cap | $1.4B | $335M |
| Share price | $93.46 | $36.30 |
| Change, 1 year | 66.1% | −7.0% |
| Change, 5 years | 9.4% | −39.0% |
| Beta (5Y) | 1.80 | 1.09 |
| Employees | 576 | 2,112 |
| StockData Score | ||
| Total score | 10 | 14 (better) |
| Valuation score | 3 | 6 (better) |
| Growth score | 4 (better) | 1 |
| Performance score | 3 (better) | 1 |
| Health score | 0 | 4 (better) |
| Dividend score | 0 | 2 (better) |
| Valuation | ||
| P/E | 12.2× | 7.6× (better) |
| P/S | 0.5× | 0.5× (better) |
| P/B | 2.0× | 0.9× (better) |
| EV/EBITDA | 1.3× (better) | 4.2× |
| P/FCF | – | 1.0× |
| PEG | 16.54 | – |
| FCF yield | – | 96.6% |
| Fair value | $143.75 | $48.10 |
| Margin of safety | 35.0% (better) | 24.5% |
| Growth | ||
| Revenue growth (TTM) | 83.7% (better) | 9.6% |
| Revenue growth, 5Y average | 28.4% (better) | 11.5% |
| Net income growth (TTM) | 25.3% | 34.8% (better) |
| EPS growth (TTM) | 35.3% | 36.9% (better) |
| EPS growth, 5Y average | 8.6% | 13.1% (better) |
| Profitability | ||
| Gross margin | 92.6% | – |
| Net margin | 5.8% | 7.0% (better) |
| FCF margin | – | 48.2% |
| Return on equity | 24.3% (better) | 12.6% |
| Financial health | ||
| Debt / equity | – | 0.00 |
| Altman Z-score | 0.59 | 0.71 (better) |
| Piotroski F-score | 6 (better) | 5 |
| Dividends and buybacks | ||
| Dividend yield | – | 3.3% |
| Years of dividend growth | – | 0 |
| Dividend growth, 5Y average | – | 43.1% |
| Buyback yield | 1.4% | 7.5% (better) |
| Shareholder yield | 1.4% | 10.8% (better) |
| Ownership | ||
| Held by institutions | 26.1% | 88.7% |
| Held by insiders | 91.5% | 23.0% |
| Insider net buying, 12 months | −$10.6M (better) | −$18.6M |
| Short interest, % of float | – | 4.8% |
Go deeper
- ATLC stock overview
- ATLC income statement
- ATLC valuation and score
- RM stock overview
- RM income statement
- RM valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.