Atlanticus Holdings Corporation (ATLC)vsCapital One Financial Corporation (COF)
ATLC
Atlanticus Holdings Corporation
$84.10
+2.29%
FINANCIAL SERVICES · Cap: $1.15B
COF
Capital One Financial Corporation
$180.67
-1.38%
FINANCIAL SERVICES · Cap: $114.40B
Smart Verdict
WallStSmart Research — data-driven comparison
Capital One Financial Corporation generates 5674% more annual revenue ($36.31B vs $628.89M). ATLC leads profitability with a 21.4% profit margin vs 8.9%. ATLC trades at a lower P/E of 11.5x. ATLC earns a higher WallStSmart Score of 76/100 (B+).
ATLC
Strong Buy76
out of 100
Grade: B+
COF
Buy65
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Strong operational efficiency at 31.0%
Revenue surging 60.8% year-over-year
Earnings expanding 50.2% YoY
Keeps 21 of every $100 in revenue as profit
Reasonable price relative to book value
Growing faster than its price suggests
Reasonable price relative to book value
Revenue surging 46.3% year-over-year
Large-cap with strong market position
Strong operational efficiency at 28.6%
Generating 5.5B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Distress zone — elevated risk
Elevated debt levels
ROE of 2.9% — below average capital efficiency
Weak financial health signals
Premium valuation, high expectations priced in
Earnings declined 3.2%
Comparative Analysis Report
WallStSmart ResearchBull Case : ATLC
The strongest argument for ATLC centers on P/E Ratio, Operating Margin, Revenue Growth. Profitability is solid with margins at 21.4% and operating margin at 31.0%. Revenue growth of 60.8% demonstrates continued momentum.
Bull Case : COF
The strongest argument for COF centers on PEG Ratio, Price/Book, Revenue Growth. Revenue growth of 46.3% demonstrates continued momentum. PEG of 0.20 suggests the stock is reasonably priced for its growth.
Bear Case : ATLC
The primary concerns for ATLC are Market Cap, Piotroski F-Score, Altman Z-Score. Debt-to-equity of 9.23 is elevated, increasing financial risk.
Bear Case : COF
The primary concerns for COF are Return on Equity, Piotroski F-Score, P/E Ratio. A P/E of 56.6x leaves little room for execution misses.
Key Dynamics to Monitor
ATLC profiles as a growth stock while COF is a hypergrowth play — different risk/reward profiles.
ATLC carries more volatility with a beta of 2.15 — expect wider price swings.
ATLC is growing revenue faster at 60.8% — sustainability is the question.
COF generates stronger free cash flow (5.5B), providing more financial flexibility.
Bottom Line
ATLC scores higher overall (76/100 vs 65/100), backed by strong 21.4% margins and 60.8% revenue growth. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Atlanticus Holdings Corporation
FINANCIAL SERVICES · CREDIT SERVICES · USA
Atlanticus Holdings Corporation provides credit and related financial products and services to clients in the United States. The company is headquartered in Atlanta, Georgia.
Visit Website →Capital One Financial Corporation
FINANCIAL SERVICES · CREDIT SERVICES · USA
Capital One Financial Corporation is an American bank holding company specializing in credit cards, auto loans, banking, and savings accounts, headquartered in McLean, Virginia with operations primarily in the United States.
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