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Company Analysis

Atlanticus Holdings Corporation ATLC

A comprehensive view of key metrics, scores, and financial health for Atlanticus Holdings Corporation

Overview of Atlanticus Holdings Corporation

ATLC NMS
Financial Services Credit Services Small Cap
Atlanticus Holdings Corporation (ATLC), is a Small Cap company, in the Credit Services industry, last closed at $47.96, about 33.7% overvalued vs fair value, +0.8% 1Y return, ranked 606/1004 in sector.
$47.96
-9.08%
As of March 13, 2026
Previous close • Vol 90d: 54.0%
52-Week Range
Market Cap
$726.19M
Enterprise Value
$6.36B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.atlanticus.com
HQ Atlanta, GA
Employees 417
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$18
$32
$60
Current: $47.96 -34% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$979.8M
11.5%%
Interest Expense
$160.2M
Net Interest Income
$819.6M
6.5%%
Total Revenue
$299.4M
16.8%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
17.7%
Excellent

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$78.4M
89.8% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating Atlanticus Holdings Corporation's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
72
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Moderate
71
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing ATLC's balance between Growth (21.7%), Profitability (45.1%), and Safety (33.2%). Growth 22% Safety 33% Profitability 45%

Click axes to expand details. Marker shows current allocation.

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Growth

37th percentile vs peers
37
Key Signals
Rev Growth YoY 16.8% 56p EPS Growth YoY 13.0% 41p Revenue CAGR 3Y -9.2% 21p EPS CAGR 3Y -14.5% 25p TSR -23.4% 27p
Strengths
  • D/E Ratio in top 20% of peers (5.08, 83th percentile)
  • Operating Margin in top 20% of peers (50.1%, 83th percentile)
  • Fcf Margin in top 20% of peers (1.56, 97th percentile)
  • Net Profit Margin in top 20% of peers (37.2%, 87th percentile)
Risks
  • Growth below peer median (percentile: 37)

Profitability

77th percentile vs peers
77
Key Signals
Strengths
Risks
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Safety

56th percentile vs peers
57
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Atlanticus Holdings Corporation.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$31.78
- - -
-33.7% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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