Atlanticus Holdings Corp Preferred (ATLCP)vsVisa Inc. Class A (V)
ATLCP
Atlanticus Holdings Corp Preferred
$22.87
-0.78%
FINANCIAL SERVICES · Cap: $619.02M
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%. ATLCP trades at a lower P/E of 3.1x. V earns a higher WallStSmart Score of 68/100 (B-).
ATLCP
Buy53
out of 100
Grade: C-
V
Strong Buy68
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
+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 : 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 : 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 : 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 : V
The primary concerns for V are PEG Ratio, P/E Ratio, Price/Book.
Key Dynamics to Monitor
ATLCP profiles as a growth stock while V is a mature 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.
V generates stronger free cash flow (6.4B), providing more financial flexibility.
Bottom Line
V scores higher overall (68/100 vs 53/100), backed by strong 50.2% margins and 14.6% revenue growth. 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 →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
Want to dig deeper into these stocks?