ATLC:NGS-Atlanticus Holdings Corporation (USD)

EQUITY | Credit Services | Nasdaq Global Select

Last Closing

USD 49.23

Change

+0.33 (+0.67)%

Market Cap

USD 0.05B

Volume

0.04M

Analyst Target

USD 3.00
Analyst Rating

Verdict

ducovest Verdict

Verdict

About

Atlanticus Holdings Corp provides various credit & financial services and products to or associated with the financially underserved consumer credit market-a market largely represented by credit risks that regulators classify as sub-prime.

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2025-06-05 )

Largest Industry Peers for Credit Services

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QFIN 360 Finance Inc

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CACC Credit Acceptance Corporation

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UPST Upstart Holdings Inc

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SEZL Sezzle Inc. Common Stock

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LX Lexinfintech Holdings Ltd

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NAVI Navient Corp

N/A

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EZPW EZCORP Inc

-0.11 (-0.84%)

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ECPG Encore Capital Group Inc

-1.04 (-2.72%)

USD 0.95B

ETFs Containing ATLC

N/A

Market Performance

  Market Performance vs. Industry/Classification (Credit Services) Market Performance vs. Exchange (Nasdaq Global Select)
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain -11.74% 37% F 38% F
Dividend Return N/A N/A N/A N/A N/A
Total Return -11.74% 37% F 38% F
Trailing 12 Months  
Capital Gain 86.20% 79% B- 92% A
Dividend Return N/A N/A N/A N/A N/A
Total Return 86.20% 79% B- 92% A
Trailing 5 Years  
Capital Gain 228.20% 85% B 93% A
Dividend Return N/A N/A N/A N/A N/A
Total Return 228.20% 85% B 93% A
Average Annual (5 Year Horizon)  
Capital Gain 61.05% 83% B 91% A-
Dividend Return 61.05% 83% B 91% A-
Total Return N/A N/A N/A N/A N/A
Risk Return Profile  
Volatility (Standard Deviation) 134.41% 23% F 15% F
Risk Adjusted Return 45.42% 70% C- 77% C+
Market Capitalization 0.05B 60% D- 70% C-

Key Financial Ratios

  Ratio vs. Industry/Classification (Credit Services) Ratio vs. Market (Nasdaq Global Select)
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 10.61 54% 70%
Price/Book Ratio 1.56 50% 54%
Price / Cash Flow Ratio 1.77 61% 48%
Price/Free Cash Flow Ratio N/A N/A N/A
Management Effectiveness  
Return on Equity 19.80% 80% 90%
Return on Invested Capital 9.98% 67% 77%
Return on Assets 3.68% 54% 78%
Debt to Equity Ratio 503.34% 15% 4%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Superior return on equity

The company management has delivered better return on equity in the most recent 4 quarters than its peers, placing it in the top quartile.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

Superior Earnings Growth

This stock has shown top quartile earnings growth in the previous 5 years compared to its sector.

What to not like:
Highly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector