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ATLC 
Atlanticus Holdings Corporation (ATLC)
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Upturn Advisory Summary
12/05/2025: 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 $85.83
1 Year Target Price $85.83
| 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 12/05/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 903.04M USD | Price to earnings Ratio 10.59 | 1Y Target Price 85.83 |
Price to earnings Ratio 10.59 | 1Y Target Price 85.83 | ||
Volume (30-day avg) 7 | Beta 2.09 | 52 Weeks Range 41.37 - 78.91 | Updated Date 12/6/2025 |
52 Weeks Range 41.37 - 78.91 | Updated Date 12/6/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 5.63 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-11-10 | When - | Estimate 1.52 | Actual 1.48 |
Profitability
Profit Margin 23.75% | Operating Margin (TTM) 28.21% |
Management Effectiveness
Return on Assets (TTM) 2.31% | Return on Equity (TTM) 19.59% |
Valuation
Trailing PE 10.59 | Forward PE 7.87 | Enterprise Value 6574462976 | Price to Sales(TTM) 1.81 |
Enterprise Value 6574462976 | Price to Sales(TTM) 1.81 | ||
Enterprise Value to Revenue 18.84 | Enterprise Value to EBITDA - | Shares Outstanding 15141530 | Shares Floating 5277732 |
Shares Outstanding 15141530 | Shares Floating 5277732 | ||
Percent Insiders 64.8 | Percent Institutions 23.33 |
Upturn AI SWOT
Atlanticus Holdings Corporation
Company Overview
History and Background
Atlanticus Holdings Corporation, founded in 1996, provides credit and related financial services and products to consumers. Initially focused on credit cards, it has expanded into auto finance and other consumer lending products.
Core Business Areas
- Auto Finance: Provides indirect auto financing to consumers with less-than-prime credit through its CAR segment.
- Credit and Other Investments: Manages credit card portfolios and other investments, primarily serving the near-prime consumer credit market.
Leadership and Structure
David Hanna is the CEO. The company has a standard corporate structure with a Board of Directors overseeing management.
Top Products and Market Share
Key Offerings
- CAR (Auto Finance): Indirect auto financing for subprime consumers. Market share is relatively fragmented within the subprime auto lending space, making precise data difficult to pinpoint. Competitors include regional and national subprime auto lenders, and captive finance arms of auto manufacturers. Revenue is driven by interest income and fees.
- Credit Cards: Credit card programs focused on the near-prime market. Similar to auto lending, market share is spread across many competitors. Competitors include large credit card issuers and fintech lenders. Revenue is primarily derived from interest and fees.
Market Dynamics
Industry Overview
The consumer credit market is experiencing increasing competition from fintech companies and traditional lenders. Economic factors significantly influence demand and credit quality.
Positioning
Atlanticus is positioned as a specialist in the near-prime and subprime consumer credit market. Its competitive advantage lies in its underwriting expertise and risk management capabilities.
Total Addressable Market (TAM)
The TAM for near-prime and subprime consumer credit is estimated to be in the hundreds of billions of dollars. Atlanticus is a relatively small player, positioning itself for growth through niche markets and efficient underwriting.
Upturn SWOT Analysis
Strengths
- Expertise in near-prime and subprime lending
- Proprietary underwriting models
- Diversified product offerings within consumer credit
- Experienced management team
Weaknesses
- Higher risk associated with near-prime and subprime lending
- Sensitivity to economic downturns
- Reliance on debt financing
- Regulatory scrutiny
Opportunities
- Growing demand for non-traditional credit products
- Expansion into new geographic markets
- Technological advancements in underwriting and servicing
- Strategic partnerships
Threats
- Increased competition from fintech lenders
- Economic recession leading to higher default rates
- Changes in consumer credit regulations
- Rising interest rates increasing borrowing costs
Competitors and Market Share
Key Competitors
- SFS
- COF
- DFS
Competitive Landscape
Atlanticus differentiates itself through its expertise in near-prime and subprime lending. It faces competition from larger, more diversified financial institutions, as well as specialized fintech lenders.
Growth Trajectory and Initiatives
Historical Growth: Atlanticus's historical growth has been driven by expansion within the near-prime and subprime consumer credit markets. Factors influencing growth have included economic conditions, regulatory changes, and competition.
Future Projections: Analyst estimates for future growth would be included here. These estimates would depend on factors such as macroeconomic conditions and the company's strategic initiatives.
Recent Initiatives: Recent initiatives include investments in technology to improve underwriting and servicing capabilities, as well as expansion into new product areas within consumer credit.
Summary
Atlanticus Holdings Corporation is a niche player in the consumer credit market, specializing in near-prime and subprime lending. Its underwriting expertise is a key strength, but it faces risks associated with this higher-risk segment and is susceptible to economic downturns. The company should focus on managing credit risk, optimizing capital allocation, and leveraging technology to improve efficiency.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q)
- Industry reports
- Analyst estimates
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions and company performance can change rapidly, and past performance is not indicative of future results.
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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