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Upturn AI SWOT - About
ATLC 
Atlanticus Holdings Corporation (ATLC)
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Upturn Advisory Summary
10/17/2025: ATLC (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
7 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $86
1 Year Target Price $86
| 4 | Strong Buy |
| 1 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 56.38% | Avg. Invested days 29 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/17/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 812.54M USD | Price to earnings Ratio 9.44 | 1Y Target Price 86 |
Price to earnings Ratio 9.44 | 1Y Target Price 86 | ||
Volume (30-day avg) 7 | Beta 2.16 | 52 Weeks Range 35.36 - 78.91 | Updated Date 10/19/2025 |
52 Weeks Range 35.36 - 78.91 | Updated Date 10/19/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 5.69 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 26.89% | Operating Margin (TTM) 32.63% |
Management Effectiveness
Return on Assets (TTM) 3.75% | Return on Equity (TTM) 20.77% |
Valuation
Trailing PE 9.44 | Forward PE 7.87 | Enterprise Value 3317351168 | Price to Sales(TTM) 1.78 |
Enterprise Value 3317351168 | Price to Sales(TTM) 1.78 | ||
Enterprise Value to Revenue 10.66 | Enterprise Value to EBITDA - | Shares Outstanding 15125449 | Shares Floating 5284529 |
Shares Outstanding 15125449 | Shares Floating 5284529 | ||
Percent Insiders 64.73 | Percent Institutions 21.91 |
Upturn AI SWOT
Atlanticus Holdings Corporation
Company Overview
History and Background
Atlanticus Holdings Corporation was founded in 1996. Initially focused on private-label credit cards, it has evolved into a technology-enabled credit platform.
Core Business Areas
- Auto Finance: Provides auto loans and financing solutions through its portfolio companies, catering to consumers with limited access to traditional credit markets.
- Credit and Other Investments: Manages credit portfolios, including investments in credit cards and other consumer finance assets. This segment includes the operations of RefiJet and Fortiva Retail Credit.
Leadership and Structure
David B. Hanna serves as the CEO. The company operates with a board of directors and a structured management team overseeing the various business segments.
Top Products and Market Share
Key Offerings
- Auto Loans: Provides direct and indirect auto loans, including those for borrowers who may not qualify for traditional financing. Market share data is unavailable. Competitors include subprime auto lenders like Credit Acceptance Corporation (CACC) and Exeter Finance.
- Retail Credit Cards: Offers private-label credit cards through Fortiva Retail Credit, focusing on underserved markets. Market share data is unavailable. Competitors include Synchrony Financial (SYF) and Capital One (COF).
- Refinance Programs: Offers refinance programs primarily in the auto loan sector. Market share data is unavailable. Competitors include traditional banks and online lenders such as LendingClub (LC).
Market Dynamics
Industry Overview
The consumer finance industry is characterized by increasing demand for credit, especially among underserved populations. The industry is also being impacted by fintech innovations and regulatory changes.
Positioning
Atlanticus is positioned as a technology-enabled financial services provider specializing in the subprime market. Its competitive advantage lies in its proprietary credit scoring models and its ability to manage risk in this segment.
Total Addressable Market (TAM)
The total addressable market for subprime lending is estimated in the hundreds of billions of dollars. Atlanticus is positioned to capture a share of this market through its targeted offerings.
Upturn SWOT Analysis
Strengths
- Proprietary credit scoring models
- Technology-enabled platform
- Focus on underserved markets
- Diversified revenue streams (Auto & Credit)
Weaknesses
- Higher risk profile due to subprime lending
- Dependence on regulatory environment
- Potential for increased competition
- Sensitivity to economic downturns
Opportunities
- Expansion into new markets
- Development of new credit products
- Strategic partnerships with retailers
- Leveraging technology to improve efficiency
Threats
- Economic recessions
- Increased regulation
- Competition from fintech companies
- Changes in consumer behavior
Competitors and Market Share
Key Competitors
- Credit Acceptance Corporation (CACC)
- Synchrony Financial (SYF)
- Capital One (COF)
Competitive Landscape
Atlanticus competes by focusing on underserved markets and leveraging technology for credit scoring. Competitors may have broader market reach or different risk profiles.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by expansion in the auto finance and retail credit segments. Requires historical financial data for specific growth rates.
Future Projections: Future growth projections depend on analyst estimates and management guidance, which are generally available from financial news sources.
Recent Initiatives: Recent initiatives would include any new product launches, strategic partnerships, or acquisitions announced by the company.
Summary
Atlanticus Holdings Corporation is a financial services company focused on the subprime market, offering auto loans and retail credit cards. Their proprietary credit scoring and technology are strengths, but they face risks from the subprime market and regulatory changes. Growth opportunities exist in new markets, but economic downturns pose threats. Overall, Atlanticus is a specialized player with both growth potential and inherent risks.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings (e.g., 10-K, 10-Q)
- Company Website
- Financial News Outlets (e.g., Reuters, Bloomberg)
- Analyst Reports
Disclaimers:
This analysis is based on publicly available information and does not constitute financial advice. Market share data is often proprietary and may not be available for all companies.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Atlanticus Holdings Corporation
Exchange NASDAQ | Headquaters Atlanta, GA, United States | ||
IPO Launch date 1999-04-23 | President, CEO & Director Mr. Jeffrey A. Howard | ||
Sector Financial Services | Industry Credit Services | Full time employees 417 | Website https://www.atlanticus.com |
Full time employees 417 | Website https://www.atlanticus.com | ||
Atlanticus Holdings Corporation, a financial technology company, provides products and services to lenders in the United States. It operates in two segments, Credit as a Service (CaaS) and Auto Finance. The CaaS segment offers private label credit products associated with the healthcare space under the Curae brand, as well as consumer electronics, furniture, elective medical procedures, and home-improvement under the Fortiva brand and its retail partners' brands; and general-purpose credit cards under the Aspire, Imagine, and Fortiva brand names. Its private label and general-purpose credit cards originated from its bank partners through various channels, including retail and healthcare point-of-sale locations, direct mail solicitation, and digital marketing and partnerships with third parties. This segment also offers loan servicing, such as risk management and customer service outsourcing for third parties, as well as engages in other product testing and investments. 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 and pay-here used car business. This segment also provides floor plan financing and installment lending products. The company was founded in 1996 and is headquartered in Atlanta, Georgia.
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