---
title: "Atlanticus Holdings Corporation (ATLC.US)"
type: "Symbol"
locale: "en"
url: "https://longbridge.com/en/quote/ATLC.US.md"
symbol: "ATLC.US"
name: "Atlanticus Holdings Corporation"
industry: "Consumer Finance"
datetime: "2026-04-14T21:39:08.563Z"
locales:
  - [en](https://longbridge.com/en/quote/ATLC.US.md)
  - [zh-CN](https://longbridge.com/zh-CN/quote/ATLC.US.md)
  - [zh-HK](https://longbridge.com/zh-HK/quote/ATLC.US.md)
---

# Atlanticus Holdings Corporation (ATLC.US)

## Company Overview

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.

| Item | Detail |
|------|--------|
| Industry | Consumer Finance |
| Exchange | US Market |
| Website | [www.atlanticus.com](https://www.atlanticus.com) |

## Key Drivers
> *AI-analyzed key factors driving this stock's performance*


## Longbridge Financial Score™: C
> *Longbridge Financial Score™ — Proprietary multi-factor rating model by Longbridge*
> Updated: 2026-04-14T04:30:16.000Z

**Overall: C (0.42)**

**Industry**: Consumer Finance

| Metric | Value |
|--------|-------|
| Industry Ranking | 31 / 55 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Blend - Stocks in which the company has both growth and mature businesses.
- **Scale**: Small - The company's operation has a high degree of growth and volatility, making it easy to achieve high investment returns.

**Multi Score**: C

#### Style Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 39.31% |  |
| Net Profit YoY | 27.96% |  |
| P/B Ratio | 1.64 |  |
| Dividend Ratio | 0.00% |  |

#### Size Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 1000943686.53 |  |
| Revenue | 557167000.00 |  |

#### Multi Score Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 20.30% | A |
| Profit Margin | 21.93% | A |
| Gross Margin | 71.13% | A |
| Revenue YoY | 39.31% | A |
| Net Profit YoY | 27.96% | B |
| Total Assets YoY | 133.07% | A |
| Net Assets YoY | 11.13% | B |
| Cash Flow Margin | 570.65% | A |
| OCF YoY | 39.31% | A |
| Turnover | 0.10 | E |
| Gearing Ratio | 91.55% | E |

```chart-data:radar
{
  "title": "Longbridge Financial Score - Atlanticus Holdings Corporation",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Style Score",
      "grade": "",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "39.31%",
          "rating": ""
        },
        {
          "name": "Net Profit YoY",
          "value": "27.96%",
          "rating": ""
        },
        {
          "name": "P/B Ratio",
          "value": "1.64",
          "rating": ""
        },
        {
          "name": "Dividend Ratio",
          "value": "0.00%",
          "rating": ""
        }
      ]
    },
    {
      "name": "Size Score",
      "grade": "",
      "indicators": [
        {
          "name": "Market Cap",
          "value": "1000943686.53",
          "rating": ""
        },
        {
          "name": "Revenue",
          "value": "557167000.00",
          "rating": ""
        }
      ]
    },
    {
      "name": "Multi Score",
      "grade": "C",
      "indicators": [
        {
          "name": "ROE",
          "value": "20.30%",
          "rating": "A"
        },
        {
          "name": "Profit Margin",
          "value": "21.93%",
          "rating": "A"
        },
        {
          "name": "Gross Margin",
          "value": "71.13%",
          "rating": "A"
        },
        {
          "name": "Revenue YoY",
          "value": "39.31%",
          "rating": "A"
        },
        {
          "name": "Net Profit YoY",
          "value": "27.96%",
          "rating": "B"
        },
        {
          "name": "Total Assets YoY",
          "value": "133.07%",
          "rating": "A"
        },
        {
          "name": "Net Assets YoY",
          "value": "11.13%",
          "rating": "B"
        },
        {
          "name": "Cash Flow Margin",
          "value": "570.65%",
          "rating": "A"
        },
        {
          "name": "OCF YoY",
          "value": "39.31%",
          "rating": "A"
        },
        {
          "name": "Turnover",
          "value": "0.10",
          "rating": "E"
        },
        {
          "name": "Gearing Ratio",
          "value": "91.55%",
          "rating": "E"
        }
      ]
    }
  ]
}
```

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | 8.95 | 19/55 | 9.36 | 8.34 | 7.75 |
| PB | 1.64 | 27/55 | 1.69 | 1.51 | 1.39 |
| PS (TTM) | 1.80 | 28/55 | 2.05 | 1.84 | 1.67 |
| Dividend Yield | 0.00% | - | - | - | - |

## Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
| --- | --- | --- | --- | --- | --- | --- | --- |
| 01 | Dave (DAVE.US) | A | A | A | B | A | A |
| 02 | NerdWallet (NRDS.US) | B | B | A | A | A | A |
| 03 | Capital One Financial (COF.US) | D | B | E | A | A | B |
| 04 | Kaspi.KZ JSC (KSPI.US) | A | A | C | E | B | B |
| 05 | FirstCash (FCFS.US) | B | B | B | D | B | B |

## Institutional View

### Analyst Rating Distribution

> As of 2026-04-07T04:00:00.000Z

Total Analysts: **5**

| Rating | Count | Percentage |
|--------|-------|-----------| 
| Buy | 4 | 80% |
| Overweight | 1 | 20% |

### Target Price Forecast

| Metric | Price |
|--------|-------|
| Current Price | 68.18 |
| Highest Target | 105.00 |
| Lowest Target | 72.00 |

## References

- [Company Overview — Profile, executives, shareholders, business breakdown](https://longbridge.com/en/quote/ATLC.US/overview.md)
- [Financial Reports — Income, balance sheet, cash flow, dividends](https://longbridge.com/en/quote/ATLC.US/norm.md)
- [Related News](https://longbridge.com/en/quote/ATLC.US/news.md)
- [Filings — Company announcements and regulatory filings](https://longbridge.com/en/quote/ATLC.US/filings.md)

---

> **Disclaimer: This article is for reference only and does not constitute any investment advice.**