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Upturn AI SWOT - About
ATLC 
Atlanticus Holdings Corporation (ATLC)
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Upturn Advisory Summary
09/16/2025: ATLC (3-star) is a STRONG-BUY. BUY since 23 days. Simulated Profits (16.81%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
7 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $81.67
1 Year Target Price $81.67
| 4 | Strong Buy |
| 1 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 66.57% | Avg. Invested days 29 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/16/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.15B USD | Price to earnings Ratio 12.69 | 1Y Target Price 81.67 |
Price to earnings Ratio 12.69 | 1Y Target Price 81.67 | ||
Volume (30-day avg) 7 | Beta 2.01 | 52 Weeks Range 33.41 - 78.91 | Updated Date 09/16/2025 |
52 Weeks Range 33.41 - 78.91 | Updated Date 09/16/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 6 |
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 12.69 | Forward PE 7.87 | Enterprise Value 3656614912 | Price to Sales(TTM) 2.52 |
Enterprise Value 3656614912 | Price to Sales(TTM) 2.52 | ||
Enterprise Value to Revenue 11.36 | Enterprise Value to EBITDA - | Shares Outstanding 15125400 | Shares Floating 5284529 |
Shares Outstanding 15125400 | Shares Floating 5284529 | ||
Percent Insiders 64.73 | Percent Institutions 21.84 |
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 diversified financial services company specializing in credit and related services for underserved consumers.
Core Business Areas
- Auto Finance: Provides auto loans and financing solutions to consumers with limited access to traditional credit markets.
- Credit and Other Investments: Manages and invests in a portfolio of credit and related assets, including providing Payment solutions in the retail and healthcare industries through Fortiva.
Leadership and Structure
The leadership team consists of key executives overseeing various business units. The organizational structure includes departments for finance, operations, technology, and risk management.
Top Products and Market Share
Key Offerings
- Fortiva Retail Credit: A point-of-sale financing program offering credit to consumers through a network of retailers and healthcare providers. Revenue data unavailable. Competitors include Synchrony Financial (SYF), Affirm (AFRM), and Bread (acquired by Alliance Data).
- American Credit Acceptance (ACA): An auto finance company providing financing solutions for consumers with less-than-perfect credit. ACA's total managed portfolio as of March 31, 2024, was $3.2 billion. Competitors include subprime auto lenders like Credit Acceptance Corporation (CACC) and Exeter Finance.
Market Dynamics
Industry Overview
The financial services industry is competitive and heavily regulated. The market for credit and lending to underserved consumers is substantial, but also carries higher risks and compliance challenges.
Positioning
Atlanticus Holdings Corporation focuses on the underserved consumer credit market. Their competitive advantages include proprietary analytics and risk management capabilities.
Total Addressable Market (TAM)
The TAM for subprime consumer credit is estimated to be in the hundreds of billions of dollars. Atlanticus is well-positioned to capture a portion of this market through its existing platforms.
Upturn SWOT Analysis
Strengths
- Proprietary Risk Analytics
- Diversified Revenue Streams
- Established Platform
- Experienced Management Team
Weaknesses
- High Credit Risk
- Regulatory Scrutiny
- Reliance on Debt Financing
- Sensitivity to Economic Downturns
Opportunities
- Expanding into New Verticals
- Increasing Market Share in Existing Segments
- Leveraging Technology for Enhanced Efficiency
- Strategic Partnerships
Threats
- Increased Competition
- Changes in Regulatory Landscape
- Economic Recession
- Rising Interest Rates
Competitors and Market Share
Key Competitors
- CACC
- SYF
- AFRM
- ALLY
Competitive Landscape
Atlanticus Holdings Corporation differentiates itself through its proprietary risk analytics and diversified product offerings. However, it faces intense competition from larger, more established players.
Major Acquisitions
Reflex Finance
- Year: 2015
- Acquisition Price (USD millions): 35
- Strategic Rationale: To expand its capabilities in the auto finance sector and provide additional financing options for consumers.
Growth Trajectory and Initiatives
Historical Growth: Historical growth data unavailable without specific numbers.
Future Projections: Future projections unavailable. Requires specific analyst estimates.
Recent Initiatives: Recent initiatives include expanding their Fortiva retail credit platform and optimizing their auto finance operations.
Summary
Atlanticus Holdings Corporation is a financial services company focused on the underserved consumer credit market. They are well-positioned due to proprietary analytics, but their main challenge includes high credit risks and regulatory scrutiny. They should focus on new verticals and leveraging technology. Economic conditions and competition remain key threats.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, Market research reports, Analyst reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise. Financial data may be outdated. Please consult a financial professional before making any investment decisions.
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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