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Atlanticus Holdings Corporation (ATLC)
Price$82.61
Value ScoreC
Growth ScoreC
Momentum ScoreA
Favorite Metrics
Price vs S&P 500 (26W)49.24%
Price vs S&P 500 (4W)5.52%
VGM Score64.50
Market Capitalization$1.30B
P/E Ratio (Annual)10.67x
All Metrics
P/CF (Annual)2.04x
Book Value / Share (Quarterly)$45.63
P/TBV (Annual)1.64x
Indicated Dividend (Annual)$0.00
Revenue Growth (3Y)22.58%
Cash Flow / Share (Quarterly)$52.37
Payout Ratio (TTM)6.76%
Price vs S&P 500 (YTD)17.85%
Gross Margin (TTM)45.61%
Net Profit Margin (TTM)13.32%
EPS (TTM)$7.06
10-Day Avg Trading Volume0.11M
EPS Excl Extra (TTM)$7.06
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)$43.16
P/E Basic Excl Extra (TTM)9.67x
Revenue Growth QoQ (YoY)88.26%
EPS Growth (5Y)6.36%
P/E Normalized (Annual)10.67x
ROA (Last FY)1.60%
Revenue Growth TTM (YoY)65.12%
EBITD / Share (TTM)$9.74
ROE (5Y Avg)26.81%
Operating Margin (TTM)17.55%
Cash Flow / Share (Annual)$42.42
P/B Ratio1.89x
P/B Ratio (Quarterly)1.14x
Net Income / Employee (Annual)$212,200
EV / Revenue (TTM)6.90x
Net Interest Coverage (TTM)8.74x
ROA (TTM)2.09%
EPS Growth QoQ (YoY)41.50%
EV / EBITDA (TTM)37.48x
EPS Incl Extra (Annual)$6.37
Current Ratio (Annual)1.49x
Quick Ratio (Quarterly)1.44x
3-Month Avg Trading Volume0.07M
52-Week Price Return74.71%
EV / Free Cash Flow (Annual)11.03x
P/E Incl Extra (TTM)9.67x
Revenue / Employee (TTM)$1,758,000
Tangible BV / Share (Quarterly)$43.80
P/S Ratio (Annual)1.51x
Asset Turnover (Annual)0.11x
52-Week High$93.20
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 Return65.17%
Quick Ratio (Annual)1.34x
13-Week Price Return59.93%
Total Debt / Equity (Annual)10.05x
Current Ratio (Quarterly)1.61x
Enterprise Value$6.98B
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 Dev58.31%
Gross Margin (5Y Avg)58.22%
Net Income / Employee (TTM)$234,100
EBITDA CAGR (5Y)7.44%
EBITDA Interim CAGR (5Y)3.69%
ROE (Last FY)18.84%
Net Interest Coverage (Annual)16.94x
EPS Basic Excl Extra (Annual)$6.37
P/FCF (TTM)1.65x
EV / Free Cash Flow (TTM)8.84x
Total Debt / Equity (Quarterly)9.19x
EPS Incl Extra (TTM)$7.06
ROI (TTM)2.23%
Dividend Growth Rate (5Y)-0.39%
P/S Ratio (TTM)1.29x
Pretax Margin (5Y Avg)28.66%
Revenue / Share (Annual)$45.13
Tangible BV / Share (Annual)$41.44
Forward P/E7.86x
Free OCF CAGR (5Y)24.45%
Price vs S&P 500 (52W)46.51%
P/E Ratio (TTM)9.67x
EPS Growth TTM (YoY)14.46%
Year-to-Date Return28.78%
5-Day Price Return3.70%
EPS Normalized (Annual)$6.37
ROA (5Y Avg)4.73%
Net Profit Margin (Annual)14.12%
Month-to-Date Return8.58%
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)1.64x
ROI (5Y Avg)5.04%
P/E Excl Extra (TTM)9.67x
LT Debt / Equity (Quarterly)9.19x
EPS Basic Excl Extra (TTM)$7.06
P/TBV (Quarterly)1.18x
Payout Ratio (Annual)10.17%
P/B Ratio (Annual)1.56x
Dividend / Share (TTM)$0.60
Pretax Margin (TTM)17.55%
Book Value / Share (Annual)$43.47
Price vs S&P 500 (13W)50.19%
Net Margin Growth (5Y)-7.49%
Dividend Yield (TTM)0.70%
Beta2.17x
P/FCF (Annual)2.06x
Revenue / Share (TTM)$53.29
ROE (TTM)20.99%
52-Week Low$45.74
vGradeC
gGradeC
mGradeA
vgmGradeB
Show chart for
Earnings Surprise History
Q1 262.23est. 1.77
Analyst Recommendations
Feb 2026
Mar 2026
Apr 2026
May 2026
4.25
4.36
4.36
4.36
Industry Peers — Personal Credit Institutions(14)
| Symbol | Value Score | Growth Score | Momentum Score | Price |
|---|---|---|---|---|
ATLCAtlanticus Holdings Corporation | C | C | A | $82.61 |
| AFRMAffirm Holdings, Inc. Class A Common Stock | D | B | A | $72.91 |
| OMFOneMain Holdings, Inc. | B | C | C | $54.76 |
| CACCCredit Acceptance Corp | C | C | B | $561.66 |
| NNINelnet, Inc. Class A | C | C | C | $129.16 |
| SLMSLM Corporation | C | C | C | $22.06 |
| ENVAEnova International, Inc. | C | C | B | $164.33 |
| BFHBread Financial Holdings, Inc. | B | C | B | $89.39 |
| LCLendingClub Corporation | C | C | B | $18.39 |
| ATLCLAtlanticus Holdings Corporation 6.125% Senior Notes due 2026 | C | C | A | $25.15 |
| ATLCZAtlanticus Holdings Corporation 9.25% Senior Notes due 2029 | C | C | A | $25.71 |
About
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.