ATLCP
NEUTRAL
$24.6
Live
Atlanticus Holdings Corporation · NASDAQ
$21.66
52W Range
$25.0
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Jan 24, 2026
Market cap
N/A
P/E
3.23
ROE
19.6%
Profit margin
23.7%
Debt/Equity
9.7
Dividend yield
7.72%
AI Analysis
AI-powered fundamental assessment
Confidence
65%
The Advanced Deterministic Scorecard shows a Piotroski F-Score of 4/9, indicating stable but not strong financial health, while the absence of an Altman Z-Score limits distress risk assessment. The stock appears deeply undervalued with a P/E of 3.23 versus a sector average of 21.99 and trades well below the Graham Number of $81.67, yet this is counterbalanced by negative earnings growth and an extremely high debt/equity ratio of 9.70. Strong revenue growth of 41.3% and a high dividend yield of 7.72% are offset by weak technicals and lack of analyst coverage. Overall, the company exhibits a mixed profile of value and risk, warranting caution despite attractive valuation metrics.
Key Strengths
Exceptionally low P/E ratio of 3.23 signals deep value relative to sector average of 21.99
High revenue growth of 41.3% YoY, significantly above sector average of 24.32%
Strong profitability with gross margin of 71.70%, operating margin of 28.21%, and ROE of 19.59%
High dividend yield of 7.72% offers attractive income potential
Current and quick ratios of 15.67 and 15.31 suggest strong short-term liquidity
Key Risks
Piotroski F-Score of 4/9 indicates marginal financial health with potential instability
Debt/Equity ratio of 9.70 is extremely high compared to sector average of 1.03, signaling significant leverage risk
Earnings declining YoY (-4.40%) and QoQ (-15.50%) despite strong revenue growth, raising margin sustainability concerns
Technical Trend score of 10/100 indicates strong bearish momentum near 52-week high
No analyst coverage or target price data, increasing information asymmetry and investment risk
AI Fair Value Estimate
Based on comprehensive analysis
$67.47
+174.3% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
62
Strong
90
50
65
45
60
AI Verdict
Mixed outlook with compelling value offset by financial risk and weak earnings momentum
Key drivers: Deep valuation discount (P/E, Price/Book), High revenue growth, Elevated leverage (Debt/Equity), Declining earnings trend, Lack of analyst coverage
Confidence
70%
Value
90/100
Ref P/E, PEG, Graham Number
Positives
- P/E of 3.23 is exceptionally low
- Price/Book of 0.63 indicates asset discount
- Current price of $24.60 well below Graham Number of $81.67
Watchpoints
No urgent risks highlighted.
Future
50/100
Ref Growth rates
Positives
- Revenue growth of 41.3% YoY is robust
Watchpoints
- Earnings growth declining YoY (-4.40%) and QoQ (-15.50%)
- No Forward P/E or PEG to assess future earnings expectations
Past
65/100
Ref Historical trends
Positives
- 1Y, 3Y, and 5Y price returns are positive (+13.4%, +49.0%, +45.4%)
- 52-week high recently tested at $25.00
Watchpoints
- Technical Trend score of 10/100 suggests weakening momentum despite price appreciation
Health
45/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Piotroski F-Score of 4/9 indicates baseline stability
- Current and quick ratios are very high (15.67, 15.31)
Watchpoints
- Piotroski score below 5 signals weak financial health
- Debt/Equity of 9.70 is dangerously high
- No Altman Z-Score available for distress risk modeling
Dividend
60/100
Ref Yield, Payout
Positives
- High dividend yield of 7.72%
- Dividend Strength score of 40/100 suggests moderate sustainability
Watchpoints
- Payout ratio unavailable, creating uncertainty around dividend coverage
- Declining earnings may pressure future payouts
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$24.6
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for ATLCP and closest competitors.
Updated 2026-01-23
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
ATLCP
Atlanticus Holdings Corporation
Primary
|
+45.4% | +49.0% | +13.4% | +16.4% | +3.1% | +1.2% |
ATL
Atlanticus Holdings Corporation
Primary
5Y
+45.4%
3Y
+49.0%
1Y
+13.4%
6M
+16.4%
1M
+3.1%
1W
+1.2%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
3.23
Forward P/E
N/A
PEG Ratio
N/A
P/B Ratio
0.63
P/S Ratio
N/A
EV/Revenue
12.12
EV/EBITDA
N/A
Market Cap
N/A
Profitability
Profit margins and return metrics
Profit Margin
23.75%
Operating Margin
28.21%
Gross Margin
71.7%
ROE
19.59%
ROA
2.31%
Growth
Revenue and earnings growth rates
Revenue Growth
+41.3%
Earnings Growth
-4.4%
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
-15.5%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
9.7
High debt
Current Ratio
15.67
Strong
Quick Ratio
15.31
Excellent
Cash/Share
$28.07
Financial Services Sector Comparison
Comparing ATLCP against 820 companies in the Financial Services sector
(141 bullish, 351 neutral, 328 bearish)
P/E Ratio
3.23
This Stock
vs
36.01
Sector Avg
-91.0%
(Discount)
Return on Equity (ROE)
19.59%
This Stock
vs
-0.73%
Sector Avg
-2773.3%
(Below Avg)
Profit Margin
23.75%
This Stock
vs
91.62%
Sector Avg
-74.1%
(Weaker)
Debt to Equity
9.7
This Stock
vs
1.36
Sector Avg
+613.9%
(Higher)
Revenue Growth
41.3%
This Stock
vs
35.27%
Sector Avg
+17.1%
(Growing)
Current Ratio
15.67
This Stock
vs
3.18
Sector Avg
+392.8%
(Stronger)
Past News Coverage
Recent headlines mentioning ATLCP from our newsroom.
Newest → oldest
No matching news yet.