Atlanticus Holdings Corporation (ATLC) Stock Price

ATLCStock

$92.02+72.10%52W

Market Cap$1.40B

P/E11.42x

PEG Ratio-0.10

Div yield—

Beta1.79

ATLC Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)25.06%

Price vs S&P 500 (4W)2.41%

PEG Ratio-0.10

VGM Score62.09

P/E Ratio (Annual)11.42x

P/CF (Annual)2.19x

Book Value / Share (Quarterly)$48.90

P/TBV (Annual)1.64x

Indicated Dividend (Annual)$0.00

Revenue Growth (3Y)22.58%

Cash Flow / Share (Quarterly)$61.73

Payout Ratio (TTM)5.99%

Price vs S&P 500 (YTD)25.52%

Gross Margin (TTM)45.55%

Net Profit Margin (TTM)13.02%

EPS (TTM)$8.06

10-Day Avg Trading Volume0.12M

EPS Excl Extra (TTM)$8.06

Revenue Growth (5Y)13.90%

EPS (Annual)$6.37

Dividend / Share (Annual)$0.83

ROI (Annual)1.71%

Gross Margin (Annual)46.52%

Net Profit Margin (5Y Avg)23.58%

Cash / Share (Quarterly)$36.60

P/E Basic Excl Extra (TTM)9.06x

Revenue Growth QoQ (YoY)96.21%

EPS Growth (5Y)6.36%

P/E Normalized (Annual)11.42x

ROA (Last FY)1.60%

Revenue Growth TTM (YoY)79.04%

EBITD / Share (TTM)$11.23

ROE (5Y Avg)26.81%

Operating Margin (TTM)17.20%

Cash Flow / Share (Annual)$42.42

P/B Ratio1.88x

P/B Ratio (Quarterly)2.08x

Net Income / Employee (Annual)$212,200

EV / Revenue (TTM)6.01x

Net Interest Coverage (TTM)8.74x

ROA (TTM)2.08%

EPS Growth QoQ (YoY)62.78%

EV / EBITDA (TTM)33.10x

EPS Incl Extra (Annual)$6.37

Current Ratio (Annual)1.49x

Quick Ratio (Quarterly)1.15x

3-Month Avg Trading Volume0.15M

52-Week Price Return72.10%

EV / Free Cash Flow (Annual)11.24x

P/E Incl Extra (TTM)9.06x

Revenue / Employee (TTM)$2,054,200

Tangible BV / Share (Quarterly)$47.25

P/S Ratio (Annual)1.61x

Asset Turnover (Annual)0.11x

52-Week High$114.34

Operating Margin (5Y Avg)28.66%

EPS Excl Extra (Annual)$6.37

CapEx CAGR (5Y)48.32%

Tangible BV CAGR (5Y)-6.63%

26-Week Price Return34.97%

Quick Ratio (Annual)1.34x

13-Week Price Return-8.60%

Total Debt / Equity (Annual)10.05x

Current Ratio (Quarterly)1.27x

Enterprise Value$7.11B

Revenue / Share Growth (5Y)14.97%

Asset Turnover (TTM)0.16x

Book Value / Share Growth (5Y)26.44%

Revenue / Employee (Annual)$1,502,300

Pretax Margin (Annual)18.46%

Cash / Share (Annual)$41.62

3-Month Return Std Dev43.66%

Gross Margin (5Y Avg)58.22%

Net Income / Employee (TTM)$267,400

EBITDA CAGR (5Y)7.44%

EBITDA Interim CAGR (5Y)8.08%

ROE (Last FY)18.84%

Net Interest Coverage (Annual)16.94x

EPS Basic Excl Extra (Annual)$6.37

P/FCF (TTM)1.49x

EV / Free Cash Flow (TTM)7.59x

Total Debt / Equity (Quarterly)8.45x

EPS Incl Extra (TTM)$8.06

ROI (TTM)2.21%

Dividend Growth Rate (5Y)-0.39%

P/S Ratio (TTM)1.18x

Pretax Margin (5Y Avg)28.66%

Revenue / Share (Annual)$45.13

Tangible BV / Share (Annual)$41.44

Forward P/E7.72x

Free OCF CAGR (5Y)24.45%

Price vs S&P 500 (52W)56.56%

P/E Ratio (TTM)9.06x

EPS Growth TTM (YoY)24.58%

Year-to-Date Return37.45%

5-Day Price Return-2.73%

EPS Normalized (Annual)$6.37

ROA (5Y Avg)4.73%

Net Profit Margin (Annual)14.12%

Month-to-Date Return5.13%

Cash Flow / Share (TTM)$4.10

EBITD / Share (Annual)$8.63

EPS Growth (3Y)-3.03%

Operating Margin (Annual)18.46%

LT Debt / Equity (Annual)10.05x

P/CF (TTM)1.49x

ROI (5Y Avg)5.04%

P/E Excl Extra (TTM)9.06x

LT Debt / Equity (Quarterly)8.45x

EPS Basic Excl Extra (TTM)$8.06

P/TBV (Quarterly)2.16x

Payout Ratio (Annual)10.17%

P/B Ratio (Annual)1.56x

Dividend / Share (TTM)$0.61

Pretax Margin (TTM)17.20%

Book Value / Share (Annual)$43.47

Price vs S&P 500 (13W)-11.29%

Net Margin Growth (5Y)-7.49%

Dividend Yield (TTM)0.66%

Beta1.79x

P/FCF (Annual)2.21x

Revenue / Share (TTM)$61.73

ROE (TTM)22.75%

52-Week Low$47.50

vGradeC

gGradeB

mGradeB

vgmGradeB

ATLC Earnings Surprise History

Quarter	Report date	EPS estimate	EPS actual	Surprise
Q2 2026	Aug 6, 2026	$2.49	$2.50	+0.40%(+$0.01)
Q1 2026	May 7, 2026	$1.66	$2.23	+34.34%(+$0.57)
Q4 2025	Mar 12, 2026	$1.57	$1.75	+11.64%(+$0.18)
Q3 2025	Nov 10, 2025	$1.59	$1.21	-24.14%(-$0.39)
Q2 2025	Aug 7, 2025	$1.23	$1.51	+22.37%(+$0.28)

ATLC Analyst Recommendations

Jun 2026

Jul 2026

Aug 2026

Sep 2026

4.36

4.25

4.33

Industry Peers — Personal Credit Institutions(15)

Symbol	Value Score	Growth Score	Momentum Score	P/E Ratio (Annual)	ROE (TTM)	Operating Margin (TTM)	Revenue Growth (5Y)	Price
ATLCAtlanticus Holdings Corporation	C	B	B	11.4x	22.8%	17.2%	13.9%	$92.02
AFRMAffirm Holdings, Inc. Class A Common Stock	D	A	B	12.9x	47.9%	9.8%	37.4%	$74.01
OMFOneMain Holdings, Inc.	B	C	B	8.2x	23.1%	15.7%	4.8%	$55.95
CACCCredit Acceptance Corp	C	C	B	13.2x	32.4%	47.0%	6.8%	$540.98
NNINelnet, Inc. Class A	D	C	B	10.6x	8.2%	16.0%	7.1%	$127.42
ENVAEnova International, Inc.	C	C	B	14.4x	25.8%	40.2%	21.8%	$177.89
SLMSLM Corporation	C	C	C	5.5x	30.3%	26.7%	7.2%	$21.81
BFHBread Financial Holdings, Inc.	C	C	A	7.6x	17.1%	15.1%	3.4%	$102.56
LCLendingClub Corporation	D	C	B	16.3x	11.9%	21.0%	2.9%	$16.01
PICSPicS N.V. Class A Common Shares	C	A	B	7.9x	28.2%	-153.0%	—	$13.17
HAPNHappen, Inc. Common Stock	C	C	B	12.3x	12.9%	25.6%	2.9%	$14.49
WRLDWorld Acceptance Corp	C	D	B	23.5x	11.0%	8.7%	2.2%	$171.64
RMREGIONAL MANAGEMENT CORP	B	C	B	7.1x	12.5%	22.5%	11.5%	$34.37
ATLCLAtlanticus Holdings Corporation 6.125% Senior Notes due 2026	C	B	B	11.4x	22.8%	17.2%	13.9%	$24.98
ATLCZAtlanticus Holdings Corporation 9.25% Senior Notes due 2029	C	B	B	11.4x	22.8%	17.2%	13.9%	$25.14
LPROOpen Lending Corporation Common Stock	D	C	A	—	-7.0%	-7.4%	-3.1%	$0.00

About Atlanticus Holdings Corporation

Atlanticus Holdings Corp operates a diversified financial services platform serving underserved consumers through two primary segments: Credit as a Service (CaaS) and Auto Finance. The company derives the majority of its revenue from CaaS, which provides credit products and services to consumers underserved by traditional lenders.