ATLC:NSD-Atlanticus Holdings Corporation (USD)

COMMON STOCK | Credit Services |

Last Closing

USD 49.23

Change

+0.33 (+0.67)%

Market Cap

USD 0.83B

Volume

0.04M

Analyst Target

USD 3.00
Analyst Rating

Verdict

ducovest Verdict

Verdict

About

Atlanticus Holdings Corporation, a financial technology company, provides products and services to lenders in the United States. It operates in two segments, Credit as a Service (CaaS) and Auto Finance. The CaaS segment offers private label credit products associated with the healthcare space under the Curae brand, as well as consumer electronics, furniture, elective medical procedures, and home-improvement under the Fortiva brand and its retail partners' brands; and general-purpose credit cards under the Aspire, Imagine, and Fortiva brand names. Its private label and general-purpose credit cards originated from its bank partners through various channels, including retail and healthcare point-of-sale locations, direct mail solicitation, and digital marketing and partnerships with third parties. This segment also offers loan servicing, such as risk management and customer service outsourcing for third parties, as well as engages in other product testing and investments. The Auto Finance segment purchases and/or services loans secured by automobiles from or for a pre-qualified network of independent automotive dealers and automotive finance companies in the buy-here and pay-here used car business. This segment also provides floor plan financing and installment lending products. The company was founded in 1996 and is headquartered in Atlanta, Georgia.

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

Symbol Name Price(Change) Market Cap
PYPL PayPal Holdings Inc

-0.33 (-0.45%)

USD 68.54B
SOFI SoFi Technologies Inc.

+0.21 (+1.56%)

USD 14.47B
QFIN 360 Finance Inc

+0.54 (+1.27%)

USD 6.28B
CACC Credit Acceptance Corporation

-12.52 (-2.57%)

USD 5.71B
UPST Upstart Holdings Inc

+0.72 (+1.42%)

USD 4.31B
SEZL Sezzle Inc. Common Stock

+3.94 (+3.29%)

USD 3.00B
LX Lexinfintech Holdings Ltd

+0.04 (+0.54%)

USD 1.47B
NAVI Navient Corp

N/A

USD 1.36B
EZPW EZCORP Inc

-0.11 (-0.84%)

USD 0.96B
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
  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 0.83B 60% D- 70% C-

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