Stocktoria
Atlanticus Holdings Corp ATLC
Atlanticus Holdings Corp (ATLC) earns a Piotroski F-score of 3/9 (weak financial health). It does not currently pay a dividend. FY2025 revenue was $2.0B at a 6.2% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 3/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| ATLC | Atlanticus Holdings Corp | 3/9 | — | 13.7 | +50.1% |
| CACC | CREDIT ACCEPTANCE CORP | 6/9 | — | 15.5 | +7.2% |
| ENVA | Enova International, Inc. | 6/9 | — | 18.6 | +18.6% |
| AFRM | Affirm Holdings, Inc. | 5/9 | — | 510.1 | +38.8% |
| RM | Regional Management Corp. | 4/9 | — | 8.5 | +9.7% |
| WRLD | WORLD ACCEPTANCE CORP | 4/9 | — | 23.2 | +3.7% |
| LPRO | Open Lending Corp | 6/9 | 0.56 | — | +288% |
All Finance, Insurance & Real Estate companies →
About Atlanticus Holdings Corp
Atlanticus Holdings Corporation, a financial technology company, provides products and services to lenders in the United States. The company operates in two segments, Credit as a Service (CaaS) and Auto Finance. Its CaaS segment offers private label credit products associated with the healthcare space under the Curae brand, as well as consumer electronics, furniture, elective medical procedures, and home-improvement under the Fortiva brand and its retail partners' brands; and general-purpose credit cards under the Aspire, Imagine, Mercury, and Fortiva brand names. The company's private label and general-purpose credit cards originated from its bank partners through various channels, including retail and healthcare point-of-sale locations, direct mail solicitation, and digital marketing and partnerships with third parties. This segment also offers loan servicing, such as risk management and customer service outsourcing for third parties, as well as engages in other product testing and investments. The Auto Finance segment purchases and/or services loans secured by automobiles from or for a pre-qualified network of independent automotive dealers and automotive finance companies in the buy-here and pay-here used car business. This segment also provides floor plan financing and installment lending products. The company was founded in 1996 and is headquartered in Atlanta, Georgia.
FAQ
Is ATLC financially healthy?
Atlanticus Holdings Corp's Piotroski F-score is 3/9 (8–9 is excellent, 0–3 weak).
Does ATLC pay a dividend?
No, Atlanticus Holdings Corp does not currently pay a dividend.
How profitable is ATLC?
In FY2025, Atlanticus Holdings Corp had a net margin of 6.2% and a return on equity of 20.1%.
Is ATLC overvalued or undervalued?
Atlanticus Holdings Corp trades at about 16.3× trailing earnings — above its 10-year norm (10-year range 5.0×–25.3×, median 8.4×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for ATLC?
The average Wall-Street price target for Atlanticus Holdings Corp is $104.00, about 6.8% above the recent price, from 5 analysts.
Is ATLC a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on Atlanticus Holdings Corp: a Piotroski F-score of 3/9, a P/E of about 13.7×. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.