Atlanticus Holdings (ATLC) Fair Value & Analysis

Financial Services · US · Market cap $1.4B

A solid business, but screening 46% overvalued on our models.

What matters now

• Solid but not exceptional quality (50/100) and above fair value, neither a clear bargain nor a standout compounder.
• A fairly wide model range ($54.06 to $131.35) leaves room in how you read the outcome.
• For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 25, 2026.

How to read this chart

60‑month range $21.92 – $111.79 · fair‑value band $54.06 – $131.35 · the $100.01 price screens above the $54.06 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 25, 2026.

Full chart & analysis →

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Analysis

Atlanticus Holdings (ATLC) currently trades at $100.01, while our model-based Fair Value estimate is $54.06, implying the stock looks roughly 46.0% overvalued today. The Quality Score stands at 50/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).

Over the trailing twelve months, Atlanticus Holdings generated revenue of $629M at a net margin of 21.4%. Revenue grew 60.8% year over year. It earns a return on equity of 21.4%. Net debt stands at $5.9B. Fundamentals as of Jul 25, 2026

Our scenario range runs from $54.06 (bear case) to $131.35 (bull case); at $100.01, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 119% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -41% fair-value upside, at -46%, ATLC screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: Growth DCF ($496.00) versus Dividend Discount ($10.52). Highest evidence: Growth DCF (80).

Key figures & financial health

Quality Score breakdown

About the company

Atlanticus Holdings Corporation, a financial technology company, provides products and services to lenders in the United States. The company operates in two segments, Credit as a Service (CaaS) and Auto Finance.

Full company description

Atlanticus Holdings Corporation, a financial technology company, provides products and services to lenders in the United States. The company operates in two segments, Credit as a Service (CaaS) and Auto Finance. Its 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, Mercury, and Fortiva brand names. The company's 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.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Atlanticus Holdings reported revenue of $704M in FY2025 versus $454M in FY2021, a compound +11.6%/yr. Reported net income was $122M in FY2025, compounding −9.0%/yr from FY2021.

ATLC screens 46% overvalued. Compare with Visa Inc →

Earlier news

External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.

• Atlanticus vs. Enova: Which FinTech Lender Is the Better Buy Now? Yahoo Finance · Jul 30, 2026
• Here's Why Atlanticus' Scalable Platform Support Long-Term Growth Yahoo Finance · Jul 9, 2026
• Is Atlanticus Stock Still Worth Buying After a 71% Rally in a Year? Yahoo Finance · Jul 8, 2026

Peer Group

Credit Services · 333 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Valuation Multiples vs Credit Services median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 0: the price sits above our fair-value range.

Insider activity: 45/100

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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Frequently asked questions

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.