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Atlanticus Holdings Corporation (ATLC) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Atlanticus Holdings Corporation

ATLCMarket cap $1.44BPrice $94.6

Country🇺🇸United States

SectorFinancials

IndustryConsumer Finance

Provides credit cards and financing to consumers that traditional banks often reject, turning subprime borrowers into a profitable niche. Its Fortiva and Aspire brands quietly power millions of retail and online purchases nationwide.

In Bastion Portfolios?

52W Return+76%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+13%8

Revenue Forecast

Rev CAGR (1y)+56%10

Rev CAGR (3y)+29%10

Rev CAGR (5y)+21%9

Earnings Forecast

EPS Growth Y+1+62%10

EPS Growth Y+2+37%9

EPS Growth Y+3+67%10

Quality

Margins

EBIT Margin0%8

Net Income Margin21%8

Free Cash Flow Margin128%10

Debt

Net Debt/EBITDAna–

Efficiency

ROE23%8

ROA3%4

Earnings Stability44

GEAR+VERY STRONG95

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)710

P/E Ratio (Forward 3y)310

P/BV2.07

EV Multiples

EV/EBITDA Fwd010

EV/EBIT Fwd010

Yield

Free Cash Flow Yield0.0%9

Dividend Yieldna–

Momentum

Short term

1 month return+1%8

3 month return+1%7

YTD return+41%9

Mid term

Price vs 52wHigh83%6

1 year return+71%10

Long term

3 year return+222%9

5 year return+74%7

Risk Shield

Price Risk

Beta1.62

Volatility53%3

Free Cash Flow

Free Cash Flow Margin128%10

Free Cash Flow Yield0.0%9

Quality

ROCE4%4

Earnings Stability44

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

ATLCAtlanticus Holdings

Revenue FY25$557M

GROWTH RATING↗

VERY STRONG97 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+13%8

Revenue, next 1Y+56%10

Revenue, next 3Y, CAGR+29%10

Revenue, next 5Y, CAGR+21%9

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+62%10

EPS growth, FY27E+37%9

EPS growth, FY28E+67%10

GROWTH ASSESSMENT

STRENGTHS

It out-grows 97% of companies worldwide.

Revenue grew 13%/yr over the last 3 years, ahead of 70% of companies worldwide.8/10

Revenue is set to grow 29%/yr over the next 3 years, ahead of most of the market.10/10

Revenue grew 13%/yr over the last 3 years and is set to grow 29%/yr from here.

The runway holds up: revenue is set to grow 21%/yr over five years.9/10

Earnings are set to grow faster than sales (EPS about 62%/yr vs revenue 29%/yr), so margins should widen.

WATCH

None flagged.

WEAKNESSES

None flagged.

BOTTOM LINE

Hyper Compounder

A top-tier grower that's speeding up.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

STRONG84 / 100

SHORT-TERM RETURNS▾SCORE

1-month return+1%8

3-month return+1%7

YTD return+41%9

MID & LONG-TERM▾SCORE

% of 52-week high83%6

1-year return+71%10

3-year return+222%9

5-year return+74%7

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +222% over three years and +74% over five, ahead of 70% of the market.

It's up 71% over the past year, but 17% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (+1%), over three months (+1%) and so far this year (+41%).

WATCH

None flagged.

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally. The market is behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on Atlanticus Holdings Corporation. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

ATLCAtlanticus Holdings

Revenue FY25$557M

GROWTH RATING↗

VERY STRONG97 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+13%8

Revenue, next 1Y+56%10

Revenue, next 3Y, CAGR+29%10

Revenue, next 5Y, CAGR+21%9

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+62%10

EPS growth, FY27E+37%9

EPS growth, FY28E+67%10

GROWTH ASSESSMENT

STRENGTHS

It out-grows 97% of companies worldwide.

Revenue grew 13%/yr over the last 3 years, ahead of 70% of companies worldwide.8/10

Revenue is set to grow 29%/yr over the next 3 years, ahead of most of the market.10/10

Revenue grew 13%/yr over the last 3 years and is set to grow 29%/yr from here.

The runway holds up: revenue is set to grow 21%/yr over five years.9/10

Earnings are set to grow faster than sales (EPS about 62%/yr vs revenue 29%/yr), so margins should widen.

WATCH

None flagged.

WEAKNESSES

None flagged.

BOTTOM LINE

Hyper Compounder

A top-tier grower that's speeding up.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

STRONG84 / 100

SHORT-TERM RETURNS▾SCORE

1-month return+1%8

3-month return+1%7

YTD return+41%9

MID & LONG-TERM▾SCORE

% of 52-week high83%6

1-year return+71%10

3-year return+222%9

5-year return+74%7

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +222% over three years and +74% over five, ahead of 70% of the market.

It's up 71% over the past year, but 17% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (+1%), over three months (+1%) and so far this year (+41%).

WATCH

None flagged.

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally. The market is behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on Atlanticus Holdings Corporation. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community