Atlanticus Holdings Corporation (ATLC)vsVisa Inc. Class A (V)
ATLC
Atlanticus Holdings Corporation
$55.97
-0.60%
FINANCIAL SERVICES · Cap: $827.79M
V
Visa Inc. Class A
$304.91
+0.38%
FINANCIAL SERVICES · Cap: $585.66B
Smart Verdict
WallStSmart Research — data-driven comparison
Visa Inc. Class A generates 7329% more annual revenue ($41.39B vs $557.17M). V leads profitability with a 50.2% profit margin vs 21.9%. ATLC trades at a lower P/E of 9.2x. ATLC earns a higher WallStSmart Score of 70/100 (B-).
ATLC
Strong Buy70
out of 100
Grade: B-
V
Strong Buy68
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+78.5%
Fair Value
$257.00
Current Price
$55.97
$201.03 discount
Margin of Safety
+17.4%
Fair Value
$369.26
Current Price
$304.91
$64.35 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Revenue surging 50.1% year-over-year
Keeps 22 of every $100 in revenue as profit
Strong operational efficiency at 26.3%
Earnings expanding 22.7% YoY
Mega-cap, among the largest globally
Every $100 of equity generates 54 in profit
Keeps 50 of every $100 in revenue as profit
Strong operational efficiency at 68.3%
Generating 6.4B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Distress zone — elevated risk
Elevated debt levels
Expensive relative to growth rate
Moderate valuation
Trading at 15.2x book value
Grey zone — moderate risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ATLC
The strongest argument for ATLC centers on P/E Ratio, Price/Book, Revenue Growth. Profitability is solid with margins at 21.9% and operating margin at 26.3%. Revenue growth of 50.1% demonstrates continued momentum.
Bull Case : V
The strongest argument for V centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 50.2% and operating margin at 68.3%. Revenue growth of 14.6% demonstrates continued momentum.
Bear Case : ATLC
The primary concerns for ATLC are Market Cap, Altman Z-Score, Debt/Equity. Debt-to-equity of 9.63 is elevated, increasing financial risk.
Bear Case : V
The primary concerns for V are PEG Ratio, P/E Ratio, Price/Book.
Key Dynamics to Monitor
ATLC profiles as a growth stock while V is a mature play — different risk/reward profiles.
ATLC carries more volatility with a beta of 1.94 — expect wider price swings.
ATLC is growing revenue faster at 50.1% — sustainability is the question.
V generates stronger free cash flow (6.4B), providing more financial flexibility.
Bottom Line
ATLC scores higher overall (70/100 vs 68/100), backed by strong 21.9% margins and 50.1% revenue growth. V offers better value entry with a 17.4% margin of safety. 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 →Visa Inc. Class A
FINANCIAL SERVICES · CREDIT SERVICES · USA
Visa Inc. is an American multinational financial services corporation headquartered in Foster City, California, United States. It facilitates electronic funds transfers throughout the world, most commonly through Visa-branded credit cards, debit cards and prepaid cards. Visa is one of the world's most valuable companies.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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