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Stock Research: Atlanticus Holdings

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Atlanticus Holdings

NSQ:ATLC US04914Y1029
90
  • Value
    41
  • Growth
    83
  • Safety
    Safety
    15
  • Combined
    61
  • Sentiment
    77
  • 360° View
    360° View
    90
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Company Description

Atlanticus Holdings Corporation is a financial technology company focused on consumer credit. It operates in Credit as a Service (CaaS) and Auto Finance segments, providing financing solutions and purchasing/servicing auto loans. Its products are originated by bank partners like The Bank of Missouri and WebBank through various channels including retail/healthcare point-of-sale, direct mail, digital marketing, and third-party partnerships. In the last fiscal year, the company had a market cap of $818 million, profits of $299 million, revenue of $578 million, and 417 employees.

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ANALYSIS: With an Obermatt 360° View of 90 (better than 90% compared with alternatives) for 2026, overall professional sentiment and financial characteristics for the stock Atlanticus Holdings are very positive. The 360° View is based on consolidating four consolidated indicators, with half of the metrics below and half above average for Atlanticus Holdings. The consolidated Growth Rank has a good rank of 83, which means that the company experiences above-average growth momentum when looking at financial metrics such as revenue, profit, and invested capital growth as well as stock returns. This means that growth is higher than for 83% of competitors in the same industry. The consolidated Sentiment Rank also has a good rank of 77, which means that professional investors are more optimistic about the stock than for 77% of alternative investment opportunities. But the consolidated Value Rank has a less desirable rank of 41, which means that the share price of Atlanticus Holdings is on the higher side compared with typical size in indicators such as revenues, profits, and invested capital. This means the stock price is higher than for 59% of alternative stocks in the same industry. Finally, the consolidated Safety Rank has a riskier rank of 15, which means that the company has a financing structure that is riskier than those of 85% comparable companies when looking at the amount of its debt, its refinancing requirements, and its ability to service debt. ...read more

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Strongest Rank Dividend Yield
Weakest Rank Revenue Growth
Country USA
Industry Consumer Finance
Size Medium
Website atlanticus.com
Index
NASDAQ
Atlanticus Holdings stock price by TradingView. Not sourced by Obermatt.
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The higher the 360° View, the better the stock performed against its peers, considering all metrics. The 360° View represents an average of the other 5 ranks and is then scaled to a rank from 1 to 100. The shaded values are illustrative only.
Last update: 7-May-2026.

Make Sense of the Ranks

The higher, the better. For every stock, we judge its performance against its peers and rank it on a scale of 1 to 100. These ranks are percentiles: a rank of 75 means the company outperforms 75% of its peers in that specific area. The higher the rank, the better the stock stacks up against its peers.

Value
Identifies how good a value the stock is.
Good Value Expensive
Combined
Consolidated view across Value, Growth, and Safety.
Good Tread Carefully
Growth
Shows a company's growth potential.
High Growth Tough Times
Sentiment
Shows what the market thinks of a stock.
Positive Sentiment Skepticism
Safety
Safety
Assesses how financially secure a company is.
Well-Financed High Leverage
360° View
360° View
Holistic stock analysis: all key non-/financial metrics
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Detailed and Historical Ranks

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Metrics Current 2025 2024 2023
Value
41 77 56 37
Growth
83 63 37 100
Safety
Safety
15 26 30 49
Sentiment
77 85 78 37
360° View
360° View
90 93 49 71
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Metrics Current 2025 2024 2023
Analyst Opinions
97 92 87 78
Opinions Change
50 50 50 50
Pro Holdings
n/a 94 51 11
Market Pulse
85 16 37 32
Sentiment
77 85 78 37
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Metrics Current 2025 2024 2023
Value
41 77 56 37
Growth
83 63 37 100
Safety Safety
15 26 30 49
Combined
61 71 25 80
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Metrics Current 2025 2024 2023
Price vs. Sales (P/S)
87 87 89 87
Price vs. Earnings (P/E)
77 56 86 69
Price vs. Book (P/B)
35 53 56 20
Dividend Yield
1 85 1 1
Value
41 77 56 37
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Metrics Current 2025 2024 2023
Revenue Growth
100 84 74 95
Profit Growth
41 41 26 93
Capital Growth
34 26 8 59
Stock Returns
77 85 67 100
Growth
83 63 37 100
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Metrics Current 2025 2024 2023
Leverage
15 33 28 26
Refinancing
79 45 45 33
Liquidity
10 20 34 61
Safety Safety
15 26 30 49

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Frequently Asked
Questions

This is a classic, high-risk growth play: high growth and positive sentiment outweigh low Value Rank (expensive) and risky financing. This is for aggressive growth investors who are comfortable with the high price and risk, believing the growth story justifies the expense.

Obermatt provides unbiased stock analysis as a completely independent third party. We have no conflicts of interest with individual stock titles. Our data-driven analysis is based on algorithms honed over twelve years, giving you analysis that is free from personal bias and conflicts of interest.

The 360° View Rank indicates a company's overall performance across all major financial and non-financial metrics tracked by Obermatt. A 360° View Rank of 75 means the company is more well-rounded than 75% of similar companies. A high score indicates that the company is strong across the board; it is attractively priced, growing sustainably, financially stable, and well-regarded by the market. Learn more.

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