NASDAQ: ATLC
Atlanticus Holdings Corp Stock

$52.30+0.35 (+0.67%)
Updated Apr 17, 2025
ATLC Price
$52.30
Fair Value Price
$106.86
Market Cap
$790.53M
52 Week Low
$23.10
52 Week High
$64.70
P/E
8.83x
P/B
1.6x
P/S
2.05x
PEG
2.56x
Dividend Yield
N/A
Revenue
$401.43M
Earnings
$111.30M
Gross Margin
100%
Operating Margin
34.82%
Profit Margin
21.8%
Debt to Equity
5.46
Operating Cash Flow
$469M
Beta
1.55
Next Earnings
May 7, 2025
Ex-Dividend
N/A
Next Dividend
N/A

ATLC Overview

Atlanticus Holdings Corporation provides credit and related financial services and products to customers the United States. It operates in two segments, Credit as a Service, and Auto Finance. The Credit as a Service segment originates a range of consumer loan products, such as private label and general purpose credit cards originated by lenders through various channels, including retail and healthcare, direct mail solicitation, digital marketing, and partnerships with third parties; and offers credit to their customers for the purchase of various goods and services, including consumer electronics, furniture, elective medical procedures, healthcare, educational services, and home-improvements by partnering with retailers and service providers. In addition, it offers loan servicing, such as risk management and customer service outsourcing for third parties; and engages in testing and investment activities in consumer finance technology platforms. 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, pay-here, and used car business. This segment also provides floor plan financing and installment lending products. Further, the company invests in and services portfolios of credit card receivables. Atlanticus Holdings Corporation was founded in 1996 and is headquartered in Atlanta, Georgia.

Zen Rating

Our proven quant model uses 115 proprietary factors, including AI, to determine ATLC's potential to beat the market

AStrong Buy
  • Stocks with a Zen Rating of Strong Buy (A) had an average return of +32.52% per year. Learn More

Zen Rating Component Grades

B
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.

Industry: Credit Service

Industry Rating
A
ATLC
Ranked
#9 of 50

Top Ranked Stocks in Industry

Name / TickerPriceZen Rating
$25.24A
$8.30A
$7.16A
View Top Credit Service Stocks

Be the first to know about important ATLC news, forecast changes, insider trades & much more!

ATLC News

Overview

Due Diligence Score

Industry Average (35)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how ATLC scored across 33 valuation, financial, forecast, performance, and dividend due diligence checks.

Due Diligence Checks

ATLC ($52.30) is undervalued by 51.06% relative to our estimate of its Fair Value price of $106.86 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
ATLC ($52.30) is significantly undervalued by 51.06% relative to our estimate of its Fair Value price of $106.86 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
ATLC ($52.30) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 30 more ATLC due diligence checks available for Premium users.

Valuation

ATLC fair value

Fair Value of ATLC stock based on Discounted Cash Flow (DCF)

Price
$52.30
Fair Value
$106.86
Undervalued by
51.06%
ATLC ($52.30) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
ATLC ($52.30) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
ATLC ($52.30) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation

ATLC price to earnings (PE)

For valuing profitable companies with steady earnings

Company
8.83x
Industry
28.47x
Market
27.98x
ATLC is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
ATLC is good value based... subscribe to Premium to read more.
P/E vs Market Valuation

ATLC price to book (PB)

For valuing companies that are loss-making or have lots of physical asset

Company
1.6x
Industry
5.13x
ATLC is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation

ATLC price to earnings growth (PEG)

For valuing profitable companies with growth potential

ATLC is poor value relative... subscribe to Premium to read more.
PEG Value Valuation

ATLC's financial health

Profit margin

Revenue
$117.5M
Net Income
$31.3M
Profit Margin
22.4%
ATLC's Earnings (EBIT) of $139.77M... subscribe to Premium to read more.
Interest Coverage Financials
ATLC's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$3.3B
Liabilities
$2.7B
Debt to equity
5.46
ATLC's debt relative to shareholder... subscribe to Premium to read more.
Shrinking Debt Financials
ATLC's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials

Cash flow

Operating
$122.6M
Investing
-$176.0M
Financing
$168.3M
ATLC's operating cash flow ($469.41M)... subscribe to Premium to read more.
Debt Coverage Financials

ATLC vs Credit Service Stocks

TickerZen RatingMarket Cap1d %P/EP/B
ATLCA$790.53M+0.67%8.83x1.60x
WRLDB$717.53M+2.26%8.63x1.68x
OPFIA$717.16M-0.60%23.06x21.88x
EZPWB$875.17M+0.82%10.15x1.06x
PRAAC$672.06M+2.22%9.50x0.59x

Atlanticus Holdings Stock FAQ

What is Atlanticus Holdings's quote symbol?

(NASDAQ: ATLC) Atlanticus Holdings trades on the NASDAQ under the ticker symbol ATLC. Atlanticus Holdings stock quotes can also be displayed as NASDAQ: ATLC.

If you're new to stock investing, here's how to buy Atlanticus Holdings stock.

What is the 52 week high and low for Atlanticus Holdings (NASDAQ: ATLC)?

(NASDAQ: ATLC) Atlanticus Holdings's 52-week high was $64.70, and its 52-week low was $23.10. It is currently -19.17% from its 52-week high and 126.46% from its 52-week low.

How much is Atlanticus Holdings stock worth today?

(NASDAQ: ATLC) Atlanticus Holdings currently has 15,115,344 outstanding shares. With Atlanticus Holdings stock trading at $52.30 per share, the total value of Atlanticus Holdings stock (market capitalization) is $790.53M.

Atlanticus Holdings stock was originally listed at a price of $14.38 in Apr 23, 1999. If you had invested in Atlanticus Holdings stock at $14.38, your return over the last 25 years would have been 263.7%, for an annualized return of 5.3% (not including any dividends or dividend reinvestments).

How much is Atlanticus Holdings's stock price per share?

(NASDAQ: ATLC) Atlanticus Holdings stock price per share is $52.30 today (as of Apr 17, 2025).

What is Atlanticus Holdings's Market Cap?

(NASDAQ: ATLC) Atlanticus Holdings's market cap is $790.53M, as of Apr 21, 2025.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

Atlanticus Holdings's market cap is calculated by multiplying ATLC's current stock price of $52.30 by ATLC's total outstanding shares of 15,115,344.
WallStreetZen does not provide financial advice and does not issue recommendations or offers to buy stock or sell any security.

Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.