ATLC
Financial ServicesAtlanticus Holdings Corporation · Financial - Credit Services · $1B
What is Atlanticus Holdings Corporation?
Atlanticus Holdings Corporation is a specialty financial services company focused on serving credit-underserved consumers across the United States through lending and credit card programs.
Atlanticus operates two segments: Credit as a Service and Auto Finance. The Credit as a Service segment partners with retailers and healthcare providers to offer private label and general purpose credit cards to consumers who are underserved by traditional lenders. The Auto Finance segment purchases and services loans secured by used vehicles through a network of independent dealers.
Founded in 1996 and headquartered in Atlanta, Georgia, Atlanticus has built its business around non-prime consumer credit markets.
- Private label and general purpose credit cards
- Retail and healthcare point-of-sale financing
- Auto loan purchasing and servicing
- Consumer finance technology platform investments
Is ATLC a Good Stock to Buy?
UQS Score rates ATLC as Good overall.
The Quality and Growth pillars both register as Strong, reflecting a business model that has demonstrated earnings capacity and expansion within its niche lending markets. Valuation is rated Attractive relative to peers.
The Moat and Risk pillars are both rated Weak, signaling limited competitive differentiation and meaningful exposure to credit cycle and regulatory risks.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does ATLC pay dividends?
No — Atlanticus Holdings Corporation does not currently pay a dividend.
ATLC does not currently pay a dividend. For a specialty lender focused on non-prime consumers, retaining capital to fund loan originations and portfolio growth is typically prioritized over shareholder distributions.
When does ATLC report earnings?
Atlanticus Holdings reports earnings on a quarterly cadence, consistent with US-listed financial companies.
The company's Growth pillar is rated Strong, suggesting the business has been expanding its credit portfolios and revenue base. However, the Risk pillar warrants attention, as credit quality and charge-off trends are key variables for any non-prime lender.
For the most recent quarter's results, visit Atlanticus Holdings' investor relations page directly.
ATLC Price History
+81.0% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Atlanticus Holdings Corporation?
Based on Atlanticus Holdings Corporation's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
Frequently Asked Questions
What does Atlanticus Holdings do?
Atlanticus Holdings provides credit products and financial services to underserved US consumers. It operates through two segments: Credit as a Service, which issues credit cards via retail and healthcare partnerships, and Auto Finance, which purchases and services used-vehicle loans through independent dealers.
Does ATLC pay dividends?
No, ATLC does not currently pay a dividend. The company reinvests capital into growing its loan portfolios and expanding its credit programs rather than returning cash to shareholders through distributions.
When does ATLC report earnings?
Atlanticus Holdings follows a standard quarterly reporting schedule. For confirmed dates and the latest results, check the investor relations section of the company's official website.
Is ATLC a good stock to buy?
UQS Score rates ATLC as Good, with Strong Quality and Growth pillars and an Attractive Valuation. However, Weak Moat and Risk ratings highlight real concerns around competitive positioning and credit exposure. The full pillar breakdown is available to Pro members.
Is ATLC overvalued?
The UQS Valuation pillar for ATLC is rated Attractive, suggesting the stock may be reasonably priced relative to its fundamentals and sector peers. View the complete valuation analysis by signing up for a Pro account.
What is ATLC's market cap bracket?
ATLC is classified as a small-cap stock. This places it in a segment of the market that can offer growth potential but may also carry higher volatility and lower liquidity compared to large-cap financial services companies.
Is ATLC a long-term quality investment?
From a long-term quality perspective, ATLC's Strong Quality and Growth pillars are encouraging. However, the Weak Moat rating suggests limited durable competitive advantages, and the Weak Risk rating means investors should weigh credit cycle exposure carefully before committing long-term capital.
What sector does ATLC belong to?
ATLC operates in the Financial Services sector, specifically within specialty consumer lending. It focuses on non-prime credit card origination and auto loan servicing — segments that differ meaningfully from traditional bank or insurance business models.
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Pro Analysis
ATLC — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 14, 2026 | 60.4 | 75.8 | 22.0 | 92.7 | 36.4 | 80.0 | +5.1 |
| May 11, 2026 | 55.3 | 75.6 | 22.0 | 92.7 | 2.5 | 80.0 | +1.0 |
| May 10, 2026 | 54.3 | 75.6 | 22.0 | 92.7 | 2.5 | 73.3 | -4.9 |
| Apr 18, 2026 | 59.2 | 81.5 | 22.0 | 92.7 | 18.3 | 80.0 | -3.0 |
| Apr 15, 2026 | 62.2 | 81.5 | 22.0 | 92.7 | 18.3 | 100.0 | +6.0 |
| Apr 11, 2026 | 56.2 | 65.3 | 22.0 | 96.7 | 0.0 | 100.0 | -2.4 |
| Apr 10, 2026 | 58.6 | 75.2 | 22.0 | 96.7 | 0.0 | 100.0 | +2.4 |
| Apr 9, 2026 | 56.2 | 65.3 | 22.0 | 96.7 | 0.0 | 100.0 | -2.4 |
| Apr 7, 2026 | 58.6 | 75.2 | 22.0 | 96.7 | 0.0 | 100.0 | +2.4 |
| Apr 4, 2026 | 56.2 | 65.3 | 22.0 | 96.7 | 0.0 | 100.0 | -2.4 |
ATLC — Pillar Breakdown
Quality
— 75.8/100 (25%)Atlanticus Holdings Corporation demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 92.7/100 (20%)Atlanticus Holdings Corporation is growing rapidly with strong revenue and earnings expansion.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 36.4/100 (15%)Atlanticus Holdings Corporation has some risk factors including moderate leverage or solvency concerns.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 80.6/100 (15%)Atlanticus Holdings Corporation appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 22/100 (25%)Atlanticus Holdings Corporation operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for ATLC.
Score Composition
Financial Data
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How is the ATLC UQS Score Calculated?
The UQS (Unified Quality Score) for Atlanticus Holdings Corporation is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Atlanticus Holdings Corporation's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Atlanticus Holdings Corporation is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.