Atlanticus Holdings Corp Preferred (ATLCP)vsCapital One Financial Corporation (COF)
ATLCP
Atlanticus Holdings Corp Preferred
$21.09
+0.62%
FINANCIAL SERVICES · Cap: $619.02M
COF
Capital One Financial Corporation
$193.60
-1.78%
FINANCIAL SERVICES · Cap: $125.67B
Smart Verdict
WallStSmart Research — data-driven comparison
Capital One Financial Corporation generates 6593% more annual revenue ($48.89B vs $730.47M). COF leads profitability with a 22.2% profit margin vs 21.1%. ATLCP trades at a lower P/E of 2.8x. COF earns a higher WallStSmart Score of 75/100 (B).
ATLCP
Buy57
out of 100
Grade: C
COF
Strong Buy75
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Revenue surging 83.3% year-over-year
Earnings expanding 66.0% YoY
Every $100 of equity generates 28 in profit
Keeps 21 of every $100 in revenue as profit
Growing faster than its price suggests
Reasonable price relative to book value
Strong operational efficiency at 37.8%
Large-cap with strong market position
Keeps 22 of every $100 in revenue as profit
Attractively priced relative to earnings
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Negative free cash flow — burning cash
Distress zone — elevated risk
Weak financial health signals
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ATLCP
The strongest argument for ATLCP centers on P/E Ratio, Price/Book, Revenue Growth. 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, Price/Book, Operating Margin. Profitability is solid with margins at 22.2% and operating margin at 37.8%. PEG of 0.18 suggests the stock is reasonably priced for its growth.
Bear Case : ATLCP
The primary concerns for ATLCP are Market Cap, Piotroski F-Score, Free Cash Flow. Debt-to-equity of 7.11 is elevated, increasing financial risk.
Bear Case : COF
The primary concerns for COF are Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
ATLCP profiles as a growth stock while COF is a mature play — different risk/reward profiles.
ATLCP carries more volatility with a beta of 1.99 — expect wider price swings.
ATLCP is growing revenue faster at 83.3% — sustainability is the question.
COF generates stronger free cash flow (5.3B), providing more financial flexibility.
Bottom Line
COF scores higher overall (75/100 vs 57/100), backed by strong 22.2% margins. 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 Corp Preferred
FINANCIAL SERVICES · CREDIT SERVICES · USA
Atlanticus Holdings Corp Preferred (ATLCP) stands at the forefront of the alternative finance industry, focusing on innovative credit solutions that enhance financial accessibility for underserved consumers. As a subsidiary of Atlanticus Holdings Corporation, the company leverages advanced technology and data analytics to overcome traditional lending barriers, offering a diverse array of lending platforms backed by strategic partnerships. ATLCP is strategically positioned to capitalize on growth opportunities while fostering responsible lending practices and promoting financial inclusivity. With a commitment to sustainable value creation, the firm not only empowers consumers through essential financial resources but also seeks to provide attractive risk-adjusted 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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