Atlanticus Holdings Corp Preferred (ATLCP)vsSynchrony Financial (SYF)
ATLCP
Atlanticus Holdings Corp Preferred
$22.87
-0.78%
FINANCIAL SERVICES · Cap: $619.02M
SYF
Synchrony Financial
$67.63
+0.54%
FINANCIAL SERVICES · Cap: $24.23B
Smart Verdict
WallStSmart Research — data-driven comparison
Synchrony Financial generates 1651% more annual revenue ($9.76B vs $557.17M). SYF leads profitability with a 36.4% profit margin vs 21.9%. ATLCP trades at a lower P/E of 3.1x. SYF earns a higher WallStSmart Score of 71/100 (B).
ATLCP
Buy53
out of 100
Grade: C-
SYF
Strong Buy71
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+92.5%
Fair Value
$328.14
Current Price
$22.87
$305.27 discount
Margin of Safety
+59.2%
Fair Value
$178.92
Current Price
$67.63
$111.29 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
Attractively priced relative to earnings
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 48.5%
Every $100 of equity generates 21 in profit
Reasonable price relative to book value
Generating 2.5B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Distress zone — elevated risk
Elevated debt levels
Expensive relative to growth rate
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 21.9% and operating margin at 26.3%. Revenue growth of 50.1% demonstrates continued momentum.
Bull Case : SYF
The strongest argument for SYF centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 36.4% and operating margin at 48.5%.
Bear Case : ATLCP
The primary concerns for ATLCP are Market Cap, Altman Z-Score, Debt/Equity. Debt-to-equity of 9.63 is elevated, increasing financial risk.
Bear Case : SYF
The primary concerns for SYF are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
ATLCP profiles as a growth stock while SYF is a value play — different risk/reward profiles.
ATLCP carries more volatility with a beta of 1.94 — expect wider price swings.
ATLCP is growing revenue faster at 50.1% — sustainability is the question.
SYF generates stronger free cash flow (2.5B), providing more financial flexibility.
Bottom Line
SYF scores higher overall (71/100 vs 53/100), backed by strong 36.4% margins. ATLCP offers better value entry with a 92.5% margin of safety. 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) is a prominent entity in the financial services sector, focused on providing innovative credit solutions and consumer finance offerings through its parent company, Atlanticus Holdings Corporation. Leveraging advanced technology and data-driven analytics, ATLCP works to enhance access to credit for underserved consumers, effectively filling the gaps left by traditional lending practices. The company's diverse lending platforms and strategic partnerships bolster its investment portfolio and strengthen its position within the alternative finance market. With a commitment to responsible lending and financial inclusivity, Atlanticus aims to create sustainable value for both its investors and the consumers it serves.
Visit Website →Synchrony Financial
FINANCIAL SERVICES · CREDIT SERVICES · USA
Synchrony Financial is a consumer financial services company headquartered in Stamford, Connecticut, United States. The company offers consumer financing products, including credit, promotional financing and loyalty programs, installment lending to industries, and FDIC-insured consumer savings products through Synchrony Bank, its wholly owned online bank subsidiary.
Visit Website →Compare with Other CREDIT SERVICES Stocks
Want to dig deeper into these stocks?