Atlanticus Holdings Corp Preferred (ATLCP)vsCapital One Financial Corporation (COF)
ATLCP
Atlanticus Holdings Corp Preferred
$24.44
+3.13%
FINANCIAL SERVICES · Cap: $619.02M
COF
Capital One Financial Corporation
$200.70
-1.38%
FINANCIAL SERVICES · Cap: $121.11B
Smart Verdict
WallStSmart Research — data-driven comparison
Capital One Financial Corporation generates 5674% more annual revenue ($36.31B vs $628.89M). ATLCP leads profitability with a 21.4% profit margin vs 8.9%. ATLCP trades at a lower P/E of 3.1x. COF earns a higher WallStSmart Score of 65/100 (C+).
ATLCP
Buy59
out of 100
Grade: C
COF
Buy65
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
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
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 : ATLCP
The strongest argument for ATLCP centers on P/E Ratio, Price/Book, Operating Margin. 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 : ATLCP
The primary concerns for ATLCP 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 59.9x leaves little room for execution misses.
Key Dynamics to Monitor
ATLCP profiles as a growth stock while COF is a hypergrowth play — different risk/reward profiles.
ATLCP carries more volatility with a beta of 2.16 — expect wider price swings.
ATLCP 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
COF scores higher overall (65/100 vs 59/100) and 46.3% revenue growth. Both earn "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 Corp Preferred
FINANCIAL SERVICES · CREDIT SERVICES · USA
Atlanticus Holdings Corp Preferred (ATLCP) is a key player in the alternative finance sector, offering innovative credit solutions designed to improve financial access for underserved consumers. A subsidiary of Atlanticus Holdings Corporation, the company utilizes advanced technology and data analytics to address the limitations of traditional lending practices. With a diverse portfolio of lending platforms and strategic partnerships, ATLCP is firmly positioned to capitalize on growth opportunities while promoting responsible lending and financial inclusivity. Committed to sustainable value creation, Atlanticus not only empowers consumers with essential financial resources but also aims to deliver attractive returns for its investors.
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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