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Atlanticus Holdings Corporation

ATLC | US

78.93

USD

2.71

3.56%

ATLC | US

About Atlanticus Holdings Corporation

Sector

Financial Services

Industry

Credit Services

Earnings date

30/06/2024

As of date

24/04/2026

Close

78.93

Open

75.23

High

79.34

Low

74.58

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 and home-improvements by partnering with retailers and service providers. This segment also 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. It also invests in and services portfolios of credit card receivables. The company was founded in 1996 and is headquartered in Atlanta Georgia.

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ATLC | US

Risk
50.0
Sharpe
0.80
Luna's Score
52/100
Recommendation
Hold

Luna says (ATLC | US)

What's Working

Positive Momentum

Value Stock (Price to Book < 3)

Strong Operating Margin (> 25%)

What's not Working

Smallcap (300M - 2B USD)

High Market Beta (> 0.8)

High Debt to Equity (> 0.75)

High Debt to Asset (> 0.45)

Volatility Signals

Bearish: Increased Volatility (6-month > 1-month volatility)

Risk Meter

10 days

44.1%

1 month

50.0%

3 months

59.5%

6 months

53.9%

Returns

Fundamental Ratios

PE

8.88

Fwd. PE

8.28

Price to book

1.27

Debt to equity

4.43

Debt to assets

0.74

Ent. to EBITDA

-

Ent. to rev.

10.10

PEG

-

Other Fundamentals

EBITDA

-

MarketCap

1.16B

MarketCap(USD)

1.16B

Div. yield

-

Op. margin

31.46

Erngs. growth

-3.50

Rev. growth

1.50

Ret. on equity

18.87

Short ratio

25.91

Short perc.

7.02

Market Sentiment (SMA and Price signals)

Short-term: Bullish (SMA10D > SMA1M)

Intermediate-term: Bullish (SMA1M > SMA3M)

Long-term: Bullish (SMA6M > SMA12M)

SMAs: Stock Price Trends

Range10D

18.11

Range1M

28.67

Range3M

31.84

Volumes: Market Activity

Rel. volume

0.94

Price X volume

4.68M

Peers

Name
Ticker
Industry
Close
Marketcap
Day Return
PE Ratio
Debt to Equity
 
 
 
 
 
 
 
 
Common StockFINVCredit Services4.811.25B1.91%5.350.00%
OAKTREE SPECIALTY LENDING CORPORATION - COMMON STOCKOCSLCredit Services12.311.01B-1.44%18.89113.44%
Navient CorporationNAVICredit Services8.95979.22M1.24%11.001923.98%
Barings BDC IncBBDCCredit Services8.8930.67M0.80%9.19113.15%
OPFIOPFICredit Services8.73891.84M1.87%13.652119.01%
World Acceptance CorporationWRLDCredit Services151.32885.92M-0.50%8.93136.27%
NerdWallet Inc. Class A Common StockNRDSCredit Services10.88856.33M4.02%n/a2.06%
PRA Group IncPRAACredit Services21.15833.68M1.98%213.00285.96%
Green Dot CorporationGDOTCredit Services12.2655.34M-0.16%n/a7.63%
Atlanticus Holdings CorporationATLCPCredit Services23.21628.22M-1.19%3.01442.84%
  • 1

Diversifiers

Name
Ticker
Industry
Close
Marketcap
Day Return
PE Ratio
Debt to Equity
 
 
 
 
 
 
 
 
Lincoln Educational Services CorporationLINCBuilding Products & Equipment39.111.23B-1.21%51.6088.92%
Winnebago Industries IncWGORecreational Vehicles32.87951.75M0.70%22.5356.33%
Janus International Group Inc.JBIBuilding Products & Equipment5.44790.55M1.30%11.62116.21%
Fox Factory Holding CorpFOXFRecreational Vehicles17.7737.79M2.31%42.0564.69%
HUYA IncHUYAMedia - Diversified3.09699.49M-0.32%n/a0.00%
Latham Group Inc.SWIMBuilding Products & Equipment6.01694.62M-0.17%65.1877.00%
The Marcus CorporationMCSMedia - Diversified18.78604.22M0.91%n/a83.32%
AMC Entertainment Holdings IncAMCMedia - Diversified1.64592.62M-1.80%n/a-511.14%
Ennis IncEBFBuilding Products & Equipment20.33528.66M-1.26%13.282.28%
Malibu Boats IncMBUURecreational Vehicles26.1521.76M-0.91%n/a1.50%
  • 1

Industry Comparison

ParameterCompanyIndustryIndicator
Enterprise to EBITDA---
Ent. to Revenue10.10-Par
PE Ratio8.8818.44Cheaper
Price to Book1.273.87Cheaper
Dividend Yield---
Std. Deviation (3M)59.54-Riskier
Debt to Equity4.436.69Cheaper
Debt to Assets0.740.42Expensive
Market Cap1.16B-Emerging
  • 1

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