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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#4717
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Banking
$886M
Jeffrey A. Howard
Atlanticus Holdings Corporation provides credit and related financial services and products in the United States. The Credit as a Service segment originates a range of consumer loan products, such as private label and general purpose credit cards. The Auto Finance segment purchases and/or services loans secured by automobiles from or for pre-qualified network of independent automotive dealers.
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = ATLC ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$ATLC Atlanticus Holdings Corp | 26 | 21 | 29 | 32 | 7.2x | 5.5x | 19.7% | 1.6% | 91.5% | 9.8% | 7.5% | 56.5% | 0.0% | 1104.0x | $886M | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
Atlanticus Holdings Corp (ATLC) receives a "Avoid" rating with a composite score of 26.4/100. It ranks #4717 out of 7,333 stocks in our coverage universe and carries a 1-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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Lagging peers — losers tend to keep underperforming
Expensive relative to fundamentals — limited margin of safety
Weak fundamentals — higher risk of value trap
High volatility — wider range of outcomes increases timing risk
Aggressive spending — empire-building risk, dilutive growth
Below-average composite — caution warranted
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Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for ATLC.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 21 | 2 | +19ALPHA |
| MOMENTUM | 32 | 27 | +5NEUTRAL |
| VALUATION | 29 | 22 | +7ALPHA |
| INVESTMENT | 20 | 5 | +15ALPHA |
| STABILITY | 20 | 10 | +10ALPHA |
| SHORT INT | 14 | 2 | +12ALPHA |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROIC 0.5% vs WACC 2.0% (spread -1.6%)
GM 92% vs sector 78%, OM 10% vs sector 18%
Capital turnover 0.09x
Rev growth 57%, 10yr history
Interest coverage 0.4x, Net debt/EBITDA 172.7x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate Atlanticus Holdings Corp (ATLC) as Avoid with a composite score of 26.4/100 at a current price of $52.79. The stock falls in the bottom quintile, and the multi-factor weakness suggests a high probability of continued underperformance.
Atlanticus Holdings Corp holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 26.4/100 places it at rank #4717 in our full universe.
No Moat
Very High
Poor
Fair Value
Gross margins of 92% signal strong pricing power.
Returns on equity of 19.7% exceed cost of capital.
Stable competitive position in a defensive sector.
Leverage of 1104% D/E amplifies downside risk.
Weak momentum suggests persistent institutional selling pressure.
Below-average quality raises earnings sustainability concerns.
Atlanticus Holdings Corp represents a avoid based on multi-factor quantitative performance.
Our quantitative model flags Atlanticus Holdings Corp with an Avoid rating, assigning a composite score of 26.4/100 and 1 out of 5 stars. Ranked #4717 of 7,333 stocks, ATLC falls in the bottom tier across key factors. Historically, stocks with this profile have faced elevated risk of underperformance and capital loss.
Atlanticus Holdings Corp registers a weak quality score of just 21/100, indicating significant profitability challenges. The company reports a return on equity of 19.7% (sector avg: 9.0%), gross margins of 91.5% (sector avg: 77.7%), net margins of 7.5% (sector avg: 21.9%). Low quality scores are often associated with businesses in turnaround mode, early-stage growth, or structurally challenged industries.
ATLC registers a value score of just 29/100, suggesting the stock trades at a significant premium to its fundamental metrics. Key valuation metrics include a P/E ratio of 7.16x, an EV/EBITDA of 5.47x, a P/B ratio of 1.41x. High-premium valuations like this require strong future execution to avoid multiple compression, and downside risk is elevated if growth disappoints.
Atlanticus Holdings Corp's investment score of 20/100 suggests limited reinvestment activity. Key growth metrics include revenue growth of 56.5% vs. a sector average of 10.7% and a return on assets of 1.6% (sector: 1.3%). While this can be positive for mature, cash-generative businesses returning capital to shareholders, it may also signal a lack of growth opportunities or management conservatism.
ATLC is currently showing below-average momentum at 32/100, which may indicate weakening institutional interest or negative sentiment shifts. Revenue growth stands at 56.5% year-over-year, while a beta of 1.55 reflects its sensitivity to broader market moves. Investors should note that declining momentum can precede further price weakness, though contrarian opportunities sometimes emerge at these levels.
Atlanticus Holdings Corp registers a low stability score of 20/100, indicating high volatility and potentially stressed financial conditions. Key stability metrics include a beta of 1.55 and a debt-to-equity ratio of 1104.00x (sector avg: 0.5x). Stocks at this level carry elevated capital loss risk and may be unsuitable for conservative portfolios without careful risk management.
Atlanticus Holdings Corp's short interest score of 14/100 reveals significant bearish positioning, suggesting institutional investors are actively betting against the stock. Specific risk factors include high market sensitivity (beta: 1.55), elevated leverage (D/E: 1104.00x), small-cap liquidity risk. At $886M (small-cap), ATLC carries meaningful risk and is best suited for investors with high risk tolerance who have thoroughly evaluated the bear thesis.
Atlanticus Holdings Corp is a small-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #4717 of 7,333 overall (36th percentile). Key comparisons include ROE of 19.7% exceeding the 9.0% sector median and operating margins of 9.8% below the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While ATLC currently exhibits a AVOID profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
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Improvement in Short Int. (14) would have the largest impact on the composite score.
EV/EBITDA 30% BELOW SECTOR MEDIAN (FAVORABLE)
ROE 119% ABOVE SECTOR MEDIAN (FAVORABLE)
Gross Margin 18% ABOVE SECTOR MEDIAN (FAVORABLE)
Above 50MA
37.18%
Net New Highs
+51081
Insiders were net sellers of Atlanticus Holdings Corporation's ( NASDAQ:ATLC ) stock during the past year. That is...
Atlanticus Holdings Corporation (NASDAQ: ATLC) announced that its Board of Directors approved a quarterly dividend of $0.476563 per share for Series B Cumulative Perpetual Preferred shareholders. The cash dividend will be paid on March 16, 2026 to shareholders of record as of March 1, 2026.
Wrapping up Q3 earnings, we look at the numbers and key takeaways for the personal loan stocks, including Sezzle (NASDAQ:SEZL) and its peers.
Atlanticus Holdings (ATLC) declares a $0.4766 quarterly dividend, matching prior; forward yield 3.62%. Key dates: Mar 1 ex-div/record, Mar 16 pay.
Atlanticus Holdings (NASDAQ:ATLC) has been analyzed by 6 analysts in the last three months, revealing a diverse range of perspectives from bullish to bearish. The following table summarizes their recent ratings, shedding light on the changing sentiments within the past 30 days and comparing them to the preceding months. Bullish Somewhat Bullish Indifferent Somewhat Bearish Bearish Total Ratings 1 4 1 0 0 Last 30D 1 0 0 0 0 1M Ago 0 2 1 0 0 2M Ago 0 1 0 0 0 3M Ago 0 1 0 0 0 In the assessment of 12-month price targets, analysts unveil insights for Atlanticus Holdings, presenting an average target of $39.0, a high estimate of $45.00, and a low estimate of $33.00. Observing a 1.3% increase, the current average has risen from the previous average price target of $38.50. Deciphering Analyst Ratings: An In-Depth Analysis The perception of Atlanticus Holdings by financial experts is analyzed through recent analyst actions. The following summary presents key analysts, their recent evaluations, and adjustments to ratings and price targets. Analyst Analyst Firm Action Taken Rating Current Price Target Prior Price Target Vincent Caintic BTIG Announces Buy $45.00 - David Scharf JMP Securities Maintains Market Outperform $39.00 $39.00 Tim Switzer Keefe, Bruyette & Woods Announces Market Perform $33.00 - David Scharf JMP Securities Maintains Market Outperform $39.00 $39.00 David Scharf JMP Securities Maintains Market Outperform $39.00 $39.00 David Scharf JMP Securities Raises Outperform $39.00 $37.00 Key Insights: Action Taken: Responding to changing market dynamics and company performance, analysts update their recommendations. Whether they ...Full story available on Benzinga.com