Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
ATLC
BuyPremium GrowerAtlanticus Holdings Corporation · Financial Services · United States · $1.4B · Avg Vol: $14M/d
COMPANY DESCRIPTION
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.
FINANCIAL SUMMARY (USD)
| Year | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | 292.6M | 256.3M | 299.4M | 402.6M | 11.2% | 730.5M | 617.3M | 702.1M | 32.1% |
| EPS | 10.32 | 7.55 | 5.35 | 5.92 | 7.40 | -8.0% | 7.70 | 11.96 | — | 61.6% |
| Shares | — | 14.5M | 14.6M | 14.9M | 14.9M | +3.2% | 15.2M | — | — | — |
| Debt | — | 1.8B | 2.0B | 2.5B | 6.5B | 53.3% | 6.3B | — | — | — |
| Equity | — | 326.4M | 394.7M | 492.9M | 608.7M | 23.1% | — | — | — | — |
| Op CF | — | 347.6M | 459.3M | 469.4M | 638.0M | 22.4% | 937.0M | — | — | — |
| Inv CF | — | -682.3M | -672.2M | -747.0M | -1.5B | — | — | — | — | — |
| Fin CF | — | 261.3M | 163.3M | 393.6M | 1.1B | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of ATLC are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| ATLC | Atlanticus Holdings Corporation(you) | $1.4B | 78 | Buy |
| EZPW | EZCORP, Inc. | $2.0B | 77 | Buy |
| JCAP | Jefferson Capital, Inc. | $1.2B | 86 | Strong Buy |
| ECPG | Encore Capital Group, Inc. | $2.1B | 84 | Strong Buy |
| SEZL | Sezzle Inc. | $4.2B | 80 | Buy |
| WRLD | World Acceptance Corporation | $878M | 62 | Hold |
| BFH | Bread Financial Holdings, Inc. | $4.1B | 69 | Buy |
| MFIN | Medallion Financial Corp. | $274M | 79 | Buy |
| WU | The Western Union Company | $2.3B | 54 | Hold |
| CACC | Credit Acceptance Corporation | $6.2B | 72 | Buy |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%