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Atlanticus Holdings Corporation

ATLC | US

47.96

USD

-4.79

-9.08%

ATLC | US

About Atlanticus Holdings Corporation

Sector

Financial Services

Industry

Credit Services

Earnings date

30/06/2024

As of date

13/03/2026

Close

47.96

Open

54.50

High

56.00

Low

47.63

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
58.0
Sharpe
-0.03
Luna's Score
36/100
Recommendation
Sell

Luna says (ATLC | US)

What's Working

Value Stock (Price to Book < 3)

Strong Operating Margin (> 25%)

What's not Working

Negative Momentum (Declining Price)

Weakness based on declining price with high volume

Price Below SMA10D

High Short-term Volatility

Smallcap (300M - 2B USD)

High Market Beta (> 0.8)

High Debt to Equity (> 0.75)

High Debt to Asset (> 0.45)

Weak Sharpe Ratio (< 0.3)

Volatility Signals

Bullish: Stable Volatility (6-month <= 1-month volatility) is positive for the stock performance.

Risk Meter

10 days

70.7%

1 month

58.0%

3 months

54.1%

6 months

52.9%

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

707.16M

MarketCap(USD)

707.16M

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: Bearish (SMA1M < SMA3M)

Long-term: Bullish (SMA6M > SMA12M)

SMAs: Stock Price Trends

Range10D

11.45

Range1M

11.45

Range3M

23.32

Volumes: Market Activity

Rel. volume

1.84

Price X volume

6.12M

Peers

Name
Ticker
Industry
Close
Marketcap
Day Return
PE Ratio
Debt to Equity
 
 
 
 
 
 
 
 
PRA Group IncPRAACredit Services16.73659.45M-0.77%213.00285.96%
Atlanticus Holdings CorporationATLCPCredit Services24.3113658.03M-0.14%3.01442.84%
Federal Agricultural Mortgage CorpAGM-PDCredit Services21.675635.14M-0.57%2.201768.36%
Green Dot CorporationGDOTCredit Services10.53565.63M-6.23%n/a7.63%
LexinFintech Holdings LtdLXCredit Services2.6427.47M-2.26%4.2851.60%
Sezzle Inc. Common StockSEZLCredit Services66.31371.32M1.56%31.93138.87%
Regional Management CorpRMCredit Services30.88313.60M-1.87%12.60408.85%
Yirendai LtdYRDCredit Services3.53306.88M-0.56%1.820.00%
Runway Growth Finance Corp. Common StockRWAYCredit Services6.63255.57M-7.40%14.32108.35%
X Financial American Depositary Shares each representing two Class AXYFCredit Services4.71223.31M0.21%1.767.13%
  • 1

Diversifiers

Name
Ticker
Industry
Close
Marketcap
Day Return
PE Ratio
Debt to Equity
 
 
 
 
 
 
 
 
HUYA IncHUYAMedia - Diversified3.37762.87M4.33%n/a0.00%
Janus International Group Inc.JBIBuilding Products & Equipment5.17751.31M-1.15%11.62116.21%
Latham Group Inc.SWIMBuilding Products & Equipment6.02695.77M-1.79%65.1877.00%
Fox Factory Holding CorpFOXFRecreational Vehicles15.5646.09M-2.08%42.0564.69%
Ennis IncEBFBuilding Products & Equipment21.15549.98M-0.52%13.282.28%
Malibu Boats IncMBUURecreational Vehicles25.75514.76M-0.08%n/a1.50%
The Marcus CorporationMCSMedia - Diversified15.67504.16M-1.63%n/a83.32%
AMC Entertainment Holdings IncAMCMedia - Diversified1.09393.88M0.00%n/a-511.14%
MCBC Holdings IncMCFTRecreational Vehicles19.63326.00M-1.51%34.2726.82%
ACCO Brands CorporationACCOBuilding Products & Equipment3.38323.80M-0.59%n/a174.23%
  • 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)54.10-Par
Debt to Equity4.436.69Cheaper
Debt to Assets0.740.42Expensive
Market Cap707.16M-Emerging
  • 1

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