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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 $79.18, about 59.9% overvalued vs fair value, +44.4% 1Y return, ranked 614/1037 in sector.
$79.18
-0.26%
As of April 28, 2026
Previous close • Vol 90d: 55.5%
52-Week Range
Market Cap
$1.18B
Enterprise Value
$6.82B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Good
Valuation
Fair
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Good
Valuation
Fair
Completeness: 82%
Confidence: 50%
Updated: Mar 8
Top Beats
No strong beats yet

Quick Facts

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

Next Events

Earnings May 7 Estimated

Fair Value Snapshot

Bear Base Bull
$18
$32
$60
Current: $79.18 -60% 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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Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing ATLC's balance between Growth (32.5%), Profitability (36.2%), and Safety (31.3%). Growth 32% Safety 31% Profitability 36%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

66th percentile vs peers
66
Key Signals
Asset Growth YoY 20.8% 80p NII Growth YoY 6.5% 54p Equity Growth YoY 24.9% 86p EPS Growth YoY 13.0% 42p
Strengths
  • Asset Growth YoY in top 20% of peers (20.8%, 80th percentile)
  • Equity Growth YoY in top 20% of peers (24.9%, 86th percentile)
  • Net Interest Margin in top 20% of peers (25.1%, 94th percentile)
  • D/E Ratio in top 20% of peers (5.08, 82th percentile)
  • Debt/Assets in top 20% of peers (76.6%, 80th percentile)
Risks

No significant risks identified for this axis.

Profitability

73th percentile vs peers
74
Key Signals
Strengths
Risks
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Safety

63th percentile vs peers
64
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
- - -
-59.9% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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