Atlanticus Holdings Corp Preferred (ATLCP)vsSynchrony Financial (SYF)
ATLCP
Atlanticus Holdings Corp Preferred
$24.44
+3.13%
FINANCIAL SERVICES · Cap: $619.02M
SYF
Synchrony Financial
$76.32
+1.71%
FINANCIAL SERVICES · Cap: $24.68B
Smart Verdict
WallStSmart Research — data-driven comparison
Synchrony Financial generates 1473% more annual revenue ($9.89B vs $628.89M). SYF leads profitability with a 36.4% profit margin vs 21.4%. ATLCP trades at a lower P/E of 3.1x. SYF earns a higher WallStSmart Score of 77/100 (B+).
ATLCP
Buy59
out of 100
Grade: C
SYF
Strong Buy77
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
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
Attractively priced relative to earnings
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 48.0%
Every $100 of equity generates 22 in profit
Reasonable price relative to book value
Earnings expanding 20.1% YoY
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
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, 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 : 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 48.0%.
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 : 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 mature 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.
SYF generates stronger free cash flow (2.2B), providing more financial flexibility.
Bottom Line
SYF scores higher overall (77/100 vs 59/100), backed by strong 36.4% 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) 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 →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?