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Atlanticus Holdings Corporation

ATLC | US

53.86

USD

4.93

10.08%

ATLC | US
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About Atlanticus Holdings Corporation

Sector

Financial Services

Industry

Credit Services

Earnings date

30/06/2024

As of date

17/03/2026

Close

53.86

Open

50.34

High

54.34

Low

50.15

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
67.0
Sharpe
0.11
Luna's Score
45/100
Recommendation
Sell

Luna says (ATLC | US)

What's Working

Strength based on increasing price with high volume

Value Stock (Price to Book < 3)

Strong Operating Margin (> 25%)

What's not Working

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

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10 days

87.3%

1 month

67.0%

3 months

58.2%

6 months

53.6%

Returns

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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

794.15M

MarketCap(USD)

794.15M

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

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Range10D

11.58

Range1M

11.58

Range3M

23.45

Volumes: Market Activity

Volume Averages

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Rel. volume

1.30

Price X volume

5.10M

Peers

Name
Ticker
Industry
Close
Marketcap
Day Return
PE Ratio
Debt to Equity
 
 
 
 
 
 
 
 
World Acceptance CorporationWRLDCredit Services138.7812.03M4.05%8.93136.27%
NerdWallet Inc. Class A Common StockNRDSCredit Services10.16799.67M0.69%n/a2.06%
PRA Group IncPRAACredit Services17.57692.56M2.69%213.00285.96%
Atlanticus Holdings CorporationATLCPCredit Services24.29657.46M-0.43%3.01442.84%
Federal Agricultural Mortgage CorpAGM-PDCredit Services21.545631.33M0.30%2.201768.36%
Green Dot CorporationGDOTCredit Services11.32608.07M6.29%n/a7.63%
LexinFintech Holdings LtdLXCredit Services2.66437.34M2.31%4.2851.60%
Sezzle Inc. Common StockSEZLCredit Services68.12381.46M1.98%31.93138.87%
CNFinance Holdings LimitedCNFCredit Services4.8095329.85M5.90204.91%
Regional Management CorpRMCredit Services31.47319.60M1.81%12.60408.85%
  • 1

Diversifiers

Name
Ticker
Industry
Close
Marketcap
Day Return
PE Ratio
Debt to Equity
 
 
 
 
 
 
 
 
Janus International Group Inc.JBIBuilding Products & Equipment5.49797.82M3.00%11.62116.21%
HUYA IncHUYAMedia - Diversified3.15713.07M-8.96%n/a0.00%
Latham Group Inc.SWIMBuilding Products & Equipment6.07701.55M-0.82%65.1877.00%
Fox Factory Holding CorpFOXFRecreational Vehicles16.37682.35M3.80%42.0564.69%
Ennis IncEBFBuilding Products & Equipment20.9543.48M-1.14%13.282.28%
Malibu Boats IncMBUURecreational Vehicles26.05520.76M0.58%n/a1.50%
The Marcus CorporationMCSMedia - Diversified15.76507.06M0.96%n/a83.32%
AMC Entertainment Holdings IncAMCMedia - Diversified1.0894393.66M0.88%n/a-511.14%
MCBC Holdings IncMCFTRecreational Vehicles19.99331.98M0.60%34.2726.82%
ACCO Brands CorporationACCOBuilding Products & Equipment3.21307.51M-0.93%n/a174.23%
  • 1

Industry Comparison

ParameterCompanyIndustryIndicator
Enterprise to EBITDA-13.23-
Ent. to Revenue10.1011.29Par
PE Ratio8.8818.44Cheaper
Price to Book1.273.87Cheaper
Dividend Yield-4.90-
Std. Deviation (3M)58.2145.36Riskier
Debt to Equity4.436.69Cheaper
Debt to Assets0.740.42Expensive
Market Cap794.15M23.69BEmerging
  • 1

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