Atlanticus Holdings Corp Preferred (ATLCP) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Atlanticus Holdings Corp Preferred stock (ATLCP) is currently trading at $22.87. Atlanticus Holdings Corp Preferred PE ratio is 3.09. WallStSmart rates ATLCP as Underperform.
- ATLCP PE ratio analysis and historical PE chart
- ATLCP PS ratio (Price-to-Sales) history and trend
- ATLCP intrinsic value — DCF, Graham Number, EPV models
- ATLCP stock price prediction 2025 2026 2027 2028 2029 2030
- ATLCP fair value vs current price
- ATLCP insider transactions and insider buying
- Is ATLCP undervalued or overvalued?
- Atlanticus Holdings Corp Preferred financial analysis — revenue, earnings, cash flow
- ATLCP Piotroski F-Score and Altman Z-Score
- ATLCP analyst price target and Smart Rating
Atlanticus Holdings Corp Preferred
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ATLCP Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Atlanticus Holdings Corp Preferred (ATLCP)
ATLCP trades at a significant discount to its Graham intrinsic value of $328.14, offering a 92% 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 Corp Preferred (ATLCP) · 7 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, revenue growth, eps growth. Concerns around institutional own.. Mixed signals suggest waiting for clearer direction before acting.
Atlanticus Holdings Corp Preferred (ATLCP) Key Strengths (5)
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
Strong earnings growth at 22.70% per year
Solid profitability: $20 profit per $100 equity
Supporting Valuation Data
Atlanticus Holdings Corp Preferred (ATLCP) Areas to Watch (2)
Very low institutional interest at 2.87%
Small-cap company with higher risk but more growth potential
Atlanticus Holdings Corp Preferred (ATLCP) Detailed Analysis Report
Overall Assessment
This company scores 48/100 in our Smart Analysis, earning a D+ grade. Out of 7 metrics analyzed, 5 register as strengths (avg 8.6/10) while 2 fall into concern territory (avg 3.5/10). 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. 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 higher 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
Fundamental challenges outweigh strengths at current levels. Institutional Own. and Market Cap are the primary drags. Consider waiting for meaningful improvement before committing capital.
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.
ATLCP Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
WallStSmart Analysis Synopsis
Data-driven financial summary for Atlanticus Holdings Corp Preferred (ATLCP) · FINANCIAL SERVICES › CREDIT SERVICES
The Big Picture
Atlanticus Holdings Corp Preferred 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 Corp Preferred 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 Corp Preferred.
Bottom Line
Atlanticus Holdings Corp Preferred 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
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About Atlanticus Holdings Corp Preferred(ATLCP)
NASDAQ
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.