Atlanticus Holdings Corporation (ATLC) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Atlanticus Holdings Corporation stock (ATLC) is currently trading at $55.97. Atlanticus Holdings Corporation PE ratio is 9.17. Atlanticus Holdings Corporation PS ratio (Price-to-Sales) is 1.49. Analyst consensus price target for ATLC is $92.40. WallStSmart rates ATLC as Moderate Buy.
- ATLC PE ratio analysis and historical PE chart
- ATLC PS ratio (Price-to-Sales) history and trend
- ATLC intrinsic value — DCF, Graham Number, EPV models
- ATLC stock price prediction 2025 2026 2027 2028 2029 2030
- ATLC fair value vs current price
- ATLC insider transactions and insider buying
- Is ATLC undervalued or overvalued?
- Atlanticus Holdings Corporation financial analysis — revenue, earnings, cash flow
- ATLC Piotroski F-Score and Altman Z-Score
- ATLC analyst price target and Smart Rating
Atlanticus Holdings Corporation
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ATLC Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Atlanticus Holdings Corporation (ATLC)
ATLC trades at a significant discount to its Graham intrinsic value of $257.00, offering a 79% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Atlanticus Holdings Corporation (ATLC) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/sales, price/book. Overall metrics suggest strong investment potential with favorable risk/reward.
Atlanticus Holdings Corporation (ATLC) Key Strengths (7)
Revenue surging 50.10% year-over-year
Keeps $22 of every $100 in revenue as net profit
Strong operational efficiency: $26 kept per $100 revenue
Paying $1.49 for every $1 of annual revenue
Trading at 1.36x book value, attractively priced
Strong earnings growth at 22.70% per year
Solid profitability: $20 profit per $100 equity
Supporting Valuation Data
Atlanticus Holdings Corporation (ATLC) Areas to Watch (2)
Low institutional interest, mostly retail-driven
Small-cap company with higher risk but more growth potential
Supporting Valuation Data
Atlanticus Holdings Corporation (ATLC) Detailed Analysis Report
Overall Assessment
This company scores 70/100 in our Smart Analysis, earning a B- grade. Out of 9 metrics analyzed, 7 register as strengths (avg 8.4/10) while 2 fall into concern territory (avg 4.5/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Revenue Growth, Profit Margin, Operating Margin. Valuation metrics including Price/Sales (1.49), Price/Book (1.36) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 19.70%, Operating Margin at 26.30%, Profit Margin at 21.90%. Growth metrics are encouraging with Revenue Growth at 50.10%, EPS Growth at 22.70%.
The Bear Case
The primary concerns are Institutional Own., Market Cap.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Institutional Own. improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 19.70% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 50.10% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Revenue Growth and Profit Margin makes a compelling case at current levels. The key risk is Institutional Own., but the overall fundamental picture is positive with a clear path to maintaining or improving the current B- grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
ATLC Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
ATLC's Price-to-Sales ratio of 1.49x sits near its historical average of 1.55x (29th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 12% below its historical high of 1.68x set in Mar 2026, and 14% above its historical low of 1.3x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for Atlanticus Holdings Corporation (ATLC) · FINANCIAL SERVICES › CREDIT SERVICES
The Big Picture
Atlanticus Holdings Corporation is a strong growth company balancing expansion with improving profitability. Revenue reached 557M with 50% growth year-over-year. Profit margins are strong at 21.9%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 50% YoY, reaching 557M. This pace significantly outperforms most CREDIT SERVICES peers.
ROE of 1970.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Debt-to-equity ratio of 9.63 is elevated. High leverage amplifies both gains and losses and increases financial risk.
What to Watch Next
Growth sustainability: can Atlanticus Holdings Corporation maintain 50%+ revenue growth, or will competition slow it down?
Volatility is elevated with a beta of 1.94, so expect amplified moves relative to the broader market.
Debt management: total debt of 6.1B is significantly higher than cash (425M). Monitor refinancing risk.
Sector dynamics: monitor CREDIT SERVICES industry trends, competitive moves, and regulatory changes that could impact Atlanticus Holdings Corporation.
Bottom Line
Atlanticus Holdings Corporation offers an attractive blend of growth (50% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(12 last 3 months)
| Insider | Type | Shares |
|---|---|---|
HUDSON, DEAL W Director | Sell | -1,675 |
Data sourced from SEC Form 4 filings
Last updated: 8:22:21 AM
About Atlanticus Holdings Corporation(ATLC)
NASDAQ
FINANCIAL SERVICES
CREDIT SERVICES
USA
Atlanticus Holdings Corporation provides credit and related financial products and services to clients in the United States. The company is headquartered in Atlanta, Georgia.