Upturn unsubscribed user
$1.14/ day, billed weekly
Cancel anytime
(Ad-Free, Unlimited access)​
NO CREDIT CARD REQUIRED
ATLC logo ATLC
Upturn stock ratingUpturn stock rating
ATLC logo

Atlanticus Holdings Corporation (ATLC)

Upturn stock ratingUpturn stock rating
$53.56
Last Close (24-hour delay)
upturn advisory
PASS
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
  • WEEK

Upturn Advisory Summary

06/27/2025: ATLC (3-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

ratingratingratingratingrating

Moderate Performance

These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.

Number of Analysts

rating

7 Analysts rated it

These Stocks/ETFs, based on Upturn Advisory, have historically outperformed the market, making them a top-tier choice for investors.

Year Target Price $68.14

Year Target Price $68.14

Analyst’s Price TargetsFor last 52 week
$68.14Target price
Low$25.44
Current$53.56
high$64.7

Analysis of Past Performance

Type Stock
Historic Profit 61.52%
Avg. Invested days 32
Today’s Advisory PASS
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 3.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/27/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 810.16M USD
Price to earnings Ratio 10.36
1Y Target Price 68.14
Price to earnings Ratio 10.36
1Y Target Price 68.14
Volume (30-day avg) -
Beta 1.84
52 Weeks Range 25.44 - 64.70
Updated Date 06/29/2025
52 Weeks Range 25.44 - 64.70
Updated Date 06/29/2025
Dividends yield (FY) -
Basic EPS (TTM) 5.17

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 27.45%
Operating Margin (TTM) 34.41%

Management Effectiveness

Return on Assets (TTM) 3.81%
Return on Equity (TTM) 20.56%

Valuation

Trailing PE 10.36
Forward PE 7.87
Enterprise Value 2994340864
Price to Sales(TTM) 1.91
Enterprise Value 2994340864
Price to Sales(TTM) 1.91
Enterprise Value to Revenue 10.44
Enterprise Value to EBITDA -
Shares Outstanding 15126200
Shares Floating 5283289
Shares Outstanding 15126200
Shares Floating 5283289
Percent Insiders 64.74
Percent Institutions 20.18

Analyst Ratings

Rating 4.29
Target Price 68.14
Buy 1
Strong Buy 4
Buy 1
Strong Buy 4
Hold 2
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

Atlanticus Holdings Corporation

stock logo

Company Overview

overview logo History and Background

Atlanticus Holdings Corporation was founded in 1996. It has evolved from a consumer finance company focused on auto lending to a more diversified financial services company primarily operating in the credit and retail financial services sectors.

business area logo Core Business Areas

  • Credit as a Service: Provides outsourced credit management and servicing solutions to financial institutions and retailers, allowing them to offer private label credit products to their customers.
  • Auto Finance: Offers auto loans through dealerships, specializing in financing for consumers with less-than-perfect credit.

leadership logo Leadership and Structure

David Hanna serves as the CEO. The company operates with a functional organizational structure, with teams dedicated to credit, finance, operations, and technology.

Top Products and Market Share

overview logo Key Offerings

  • Private Label Credit Cards: Offers private label credit card programs through retailers. Market share data is not publicly available. Competitors include Synchrony Financial (SYF) and Alliance Data Systems (ADS).
  • Auto Loans: Provides auto financing solutions. Competitors include subprime auto lenders such as Credit Acceptance Corporation (CACC) and Santander Consumer USA (SC).

Market Dynamics

industry overview logo Industry Overview

The consumer finance industry is influenced by economic conditions, interest rates, and regulatory changes. There is a growing demand for credit products and services, particularly among underserved populations.

Positioning

Atlanticus positions itself as a provider of financial solutions for consumers who may not qualify for traditional credit. It has a competitive advantage in its expertise in risk management and underwriting.

Total Addressable Market (TAM)

The total addressable market for consumer credit is substantial, estimated to be in the trillions of dollars. Atlanticus is positioned to capture a portion of this market by focusing on underserved segments.

Upturn SWOT Analysis

Strengths

  • Strong risk management capabilities
  • Diversified revenue streams
  • Established partnerships with retailers
  • Experienced management team

Weaknesses

  • Reliance on economic conditions
  • Exposure to regulatory changes
  • Higher cost of capital
  • Potential for reputational risk

Opportunities

  • Expansion into new markets
  • Development of new products and services
  • Increased demand for credit among underserved populations
  • Strategic acquisitions

Threats

  • Increased competition
  • Economic downturn
  • Regulatory scrutiny
  • Technological disruption

Competitors and Market Share

competitor logo Key Competitors

  • Capital One (COF)
  • Synchrony Financial (SYF)
  • Credit Acceptance Corporation (CACC)

Competitive Landscape

Atlanticus faces competition from larger financial institutions and specialized lenders. Its advantage lies in its ability to serve underserved markets and its expertise in risk management.

Growth Trajectory and Initiatives

Historical Growth: Atlanticus' growth has been driven by its ability to expand its credit and retail financial services offerings and enter new markets.

Future Projections: Future growth projections depend on various factors, including economic conditions and the company's ability to execute its strategic initiatives.

Recent Initiatives: Recent strategic initiatives include expanding its credit card programs and investing in technology to improve its risk management capabilities.

Summary

Atlanticus Holdings Corporation is a diversified financial services company focusing on consumer credit. The company benefits from its risk management expertise and partnerships, but it faces challenges from economic volatility and competition. Successfully navigating regulatory changes and technological advancements will be crucial for continued growth. While small compared to the overall financial landscape, its niche focus allows for specialized service, yet, the company must prioritize building a strong moat through innovation.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • SEC Filings
  • Company Website
  • Market Research Reports
  • Finviz.com
  • Yahoo Finance

Disclaimers:

The information provided is for informational purposes only and should not be considered financial advice. Market share data is based on estimates and may not be precise. The AI rating is based on limited information and should be used with caution.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 417

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.