Atlanticus Holdings Corporation (ATLC) — Analysis Summary
Atlanticus Holdings Corporation (ATLC) has a market cap of $1.44B with year-over-year revenue growth of +50.1%. Net margin stands at 6.2%. The stock trades at a P/E ratio of 9.3.
Key Takeaways
- Revenue changed +50.1% year-over-year
- Net margin of 6.2%
- P/E ratio of 9.3
Compared to other companies in the PERSONAL CREDIT INSTITUTIONS sector, ATLC posted revenue growth of +50.1% and trades at a P/E of 9.3.
Atlanticus Holdings Corporation (ATLC)
PREVIOUS CLOSE 2026-10-12 · MARKET DATA POLYGON · FINANCIALS SEC EDGAR
Red Flags & WarningsHigh Risk Signals
Multiple material red flags are active and deserve closer underwriting before relying on any valuation output.
Debt/EBITDA at 8.4x — highly leveraged, potential refinancing risk
Interest coverage at 0.0x — earnings do not cover interest payments
D/E at 8.0x — extreme leverage
Atlanticus Holdings Corp is a financial technology company powering more inclusive financial solutions for Everyday Americans. It provides technology and other support services to lenders who offer an array of financial products and services to consumers. The company's products and services are reported through two reportable segments. Credit as a Service (CaaS) offers products including private label credit cards using the Fortiva and Curae brand names as well as merchant-associated brands and Auto Finance provides purchase and/or service loans secured by automobiles from or for, and also provides floor-plan financing for, a pre-qualified network of independent automotive dealers and automotive finance companies in the buy-here, pay-here used car business.
Sector
PERSONAL CREDIT INSTITUTIONS
Employees
576
Headquarters
ATLANTA, GA
Exchange
XNAS
Systematic competitive advantage assessment based on 4yr data
This assessment is based on quantitative analysis of historical financial data and does not constitute investment advice. Moat ratings may change with industry and competitive dynamics.
First version surfaces recent SEC Forms 3, 4, and 5 activity. It does not yet parse individual buy/sell transactions.
Capital Structure
Cash Flow
Annual Dividend/Share
N/A
Dividend Yield
N/A
Dividend History
Disclaimer: This is not financial advice. Data sourced from SEC EDGAR and Polygon.io. Past performance does not guarantee future results. Always conduct your own research before making investment decisions.