Atlanticus Holdings Corp
Research Atlanticus Holdings Corp (ATLC) on Bullrun: valuation model: 10.0% overvalued, market cap USD 1.43B, P/E 12.2. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerATLC
- ExchangeNASDAQ
- CountryUnited States
- SectorFinancial Services
- IndustryCredit Services
- CurrencyUSD
- Valuation signal10.0% overvalued
- Market capUSD 1.43B
- P/E12.2
- Financial periodQ2 2026
- RevenueUSD 166.75M
- Net incomeUSD 49.72M
- Free cash flowUSD 276.86M
Valuation Snapshot
Bullrun's latest valuation model marks Atlanticus Holdings Corp as 10.0% overvalued; latest market cap is USD 1.43B; P/E is 12.2.
Peer valuation comparison
Latest P/E is 12.2x versus a Financial Services sector median of 13.84x (11.8% below).
Latest P/E is 12.2x versus a United States median of 24.87x (50.9% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 1.97B | USD 120.61M | USD 632.94M | 91.8% | 5.96 | USD 621.09M | USD 6.54B | USD 608.70M |
| FY2024 | USD 1.31B | USD 110.11M | USD 467.62M | 91.0% | 4.77 | USD 375.42M | USD 2.51B | USD 492.91M |
| FY2023 | USD 1.16B | USD 101.95M | n/a | 91.3% | 4.24 | USD 339.34M | USD 2.03B | USD 394.68M |
| FY2022 | USD 1.05B | USD 134.61M | n/a | 90.9% | 5.83 | USD 316.33M | USD 1.59B | USD 326.41M |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-08-25 | USD 1.43B | 12.2 | n/a | n/a |
| 2025 | 2025-12-31 | USD 999.06M | 11.2 | n/a | n/a |
| 2024 | 2024-12-31 | USD 831.36M | 11.7 | n/a | n/a |
| 2023 | 2023-12-29 | USD 564.10M | 9.4 | n/a | n/a |
| 2022 | 2022-12-30 | USD 378.47M | 3.8 | n/a | n/a |
| 2021 | 2021-12-31 | USD 1.06B | 9.4 | n/a | n/a |
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;
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Frequently asked questions
Is Atlanticus Holdings Corp overvalued or undervalued?
Bullrun's valuation model currently marks Atlanticus Holdings Corp as 10.0% overvalued.
What is Atlanticus Holdings Corp's market cap?
Atlanticus Holdings Corp's market capitalization is USD 1.43B.
What is Atlanticus Holdings Corp's P/E ratio?
Atlanticus Holdings Corp's price-to-earnings (P/E) ratio is 12.2.
What does Atlanticus Holdings Corp do?
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.