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Stock Research: Atlanticus Holdings

Independent stock analysis through peer comparison: Get the 360° View as an objective basis for stock decision-making and explore the detailed ranks.

Atlanticus Holdings

NSQ:ATLC US04914Y1029
90
  • Value
    55
  • Growth
    37
  • Safety
    Safety
    15
  • Combined
    61
  • Sentiment
    81
  • 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 the metrics below and half above average for Atlanticus Holdings. The consolidated Value Rank has an attractive rank of 55, which means that the share price of Atlanticus Holdings is on the lower side compared with the typical size in indicators such as revenues, profits, and invested capital. This means that the stock price is lower than for 55% of alternative stocks in the same industry. The consolidated Sentiment Rank has a good rank of 81, which means that professional investors are more optimistic about the stock than for 81% of alternative investment opportunities. But the consolidated Growth Rank has a low rank of 37, which means that the company exhibits below-average growth momentum when looking at financial metrics such as revenue, profit, invested capital growth, and stock returns. The consolidated Safety Rank has a riskier rank of 15, meaning the company has a riskier financing structure than 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: 9-Apr-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

Deep dive into 15 detailed ranks and 3 years of history. Unlock the analysis.

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Metrics Current 2025 2024 2023
Value
55 77 56 37
Growth
37 63 37 100
Safety
Safety
15 26 30 49
Sentiment
81 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
90 16 37 32
Sentiment
81 85 78 37
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Metrics Current 2025 2024 2023
Value
55 77 56 37
Growth
37 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)
93 87 89 87
Price vs. Earnings (P/E)
84 56 86 69
Price vs. Book (P/B)
49 53 56 20
Dividend Yield
1 85 1 1
Value
55 77 56 37
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Metrics Current 2025 2024 2023
Revenue Growth
98 84 74 95
Profit Growth
44 41 26 93
Capital Growth
21 26 8 59
Stock Returns
39 85 67 100
Growth
37 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

With good value and positive sentiment, but low growth and risky financing, this combination is generally dangerous as debt requires growth to sustain it. Only investors with a strong belief in future growth potential and a high-risk tolerance should consider this stock.

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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