Atlanticus Holdings Corporation (ATLC) — Stock Score Summary

Atlanticus Holdings Corporation (ATLC) has a MoatMap StockRank of 87/100 based on Quality (59/100), Value (36/100), and Momentum (77/100) factor scores. The current signal is STRONG BUY. Atlanticus Holdings provides credit and financial services to subprime and underbanked consumers in the US. It is highly sensitive to credit cycles and consumer default rates, presenting an unfavorable risk-reward profile in a volatile macro environment.

Atlanticus Holdings Corporation provides credit and related financial services to underserved consumers through its Fortiva Retail Credit and Reflections brands. The company specializes in subprime and near-prime lending, a segment often overlooked by traditional banks, utilizing proprietary analytics for credit assessment. It stands as a niche player in consumer finance, targeting individuals with less-than-perfect credit histories.

Key Financial Metrics

Price$88.78
Market Cap$1.3B
P/E (TTM)11.48
P/E (Forward)6.16
Price/Book1.91
Return on Equity21.4%
Debt/Equity929.03
Gross Margin72.4%
Operating Margin31.0%
Revenue Growth60.8%

Atlanticus Holdings Corporation operates in the Credit Services industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Atlanticus Holdings Corporation’s (ATLC) StockRank?
MoatMap’s StockRank for Atlanticus Holdings Corporation (ATLC) is 87/100, with a Strong Buy signal. It is a composite of Quality (59), Value (36), and Momentum (77) factor ranks across MoatMap’s 19,000+ stock universe.
Does Atlanticus Holdings Corporation have an economic moat?
Atlanticus Holdings Corporation (ATLC) has a Quality factor score of 59/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Atlanticus Holdings Corporation a buy, hold, or sell?
MoatMap’s current signal for Atlanticus Holdings Corporation (ATLC) is Strong Buy, based on a StockRank of 87/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Atlanticus Holdings Corporation in?
Atlanticus Holdings Corporation (ATLC) operates in the Financial Services sector, specifically the Credit Services industry (United States).
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