Atlanticus Holdings Corporation (ATLC)vsCapital One Financial Corporation (COF)
ATLC
Atlanticus Holdings Corporation
$94.46
+1.18%
FINANCIAL SERVICES · Cap: $1.43B
COF
Capital One Financial Corporation
$208.30
+0.57%
FINANCIAL SERVICES · Cap: $127.79B
Smart Verdict
WallStSmart Research — data-driven comparison
Capital One Financial Corporation generates 6486% more annual revenue ($48.11B vs $730.47M). COF leads profitability with a 21.9% profit margin vs 21.1%. COF trades at a lower P/E of 11.5x. COF earns a higher WallStSmart Score of 75/100 (B).
ATLC
Strong Buy71
out of 100
Grade: B
COF
Strong Buy75
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 83.3% year-over-year
Earnings expanding 66.0% YoY
Keeps 21 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 29.5%
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 33.6%
Revenue surging 1111.0% year-over-year
Large-cap with strong market position
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Distress zone — elevated risk
Elevated debt levels
Weak financial health signals
Earnings declined 3.2%
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ATLC
The strongest argument for ATLC centers on Revenue Growth, EPS Growth, Profit Margin. Profitability is solid with margins at 21.1% and operating margin at 29.5%. Revenue growth of 83.3% demonstrates continued momentum.
Bull Case : COF
The strongest argument for COF centers on PEG Ratio, P/E Ratio, Price/Book. Profitability is solid with margins at 21.9% and operating margin at 33.6%. Revenue growth of 1111.0% demonstrates continued momentum.
Bear Case : ATLC
The primary concerns for ATLC are Market Cap, Piotroski F-Score, Altman Z-Score. Debt-to-equity of 8.48 is elevated, increasing financial risk.
Bear Case : COF
The primary concerns for COF are Piotroski F-Score, EPS Growth, Altman Z-Score.
Key Dynamics to Monitor
ATLC carries more volatility with a beta of 2.02 — expect wider price swings.
COF is growing revenue faster at 1111.0% — sustainability is the question.
COF generates stronger free cash flow (7.9B), providing more financial flexibility.
Monitor CREDIT SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
COF scores higher overall (75/100 vs 71/100), backed by strong 21.9% margins and 1111.0% revenue growth. Both earn "Strong Buy" and "Strong 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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