ATLCP
NASDAQ
US
Atlanticus Holdings Corporation - 7.625% Series B Cumulative Perpetual Preferred Stock, no par value per share
$21.80
▼ $-0.30
(-1.35%)
Vol 14K
10
Quality Score
ok
Deep Check
1/5
fail
Rev ✗
NI ✓
>IPO ✗
Mkt Cap
$1.0B
P/E
8.6
ROE
19.8%
Margin
16.2%
D/E
958.94
Beta
1.99
52W
$41–$79
Wall Street Consensus
11 analysts · Apr 20265
Strong Buy
5
Buy
1
Hold
0
Sell
0
Strong Sell
90.9%
Buy Rating
Price Chart
Similar Stocks
Earnings
Beat rate: 50.0%| Quarter | EPS Est | EPS Act | Surprise |
|---|---|---|---|
| Dec 2025 | $1.62 | $1.75 | +$0.13 |
| Sep 2025 | $1.55 | $1.21 | $-0.34 |
| Jun 2025 | $1.25 | $1.51 | +$0.26 |
| Mar 2025 | $1.51 | $1.49 | $-0.02 |
Quarterly Revenue & Earnings
| Quarter | 2024-0… | 2024-1… | 2025-0… | 2025-0… | 2025-0… | 2025-1… |
|---|---|---|---|---|---|---|
| Revenue | — | $88.7M | $87.1M | $89.6M | $103.3M | $122.5M |
| Net Income | — | $31.3M | $31.5M | $30.6M | $25.0M | $35.1M |
Fundamentals Trend
| Metric | 2025-06-30 | 2025-09-02 | 2025-10-02 | 2025-11-03 | 2025-12-03 | 2026-01-02 |
|---|---|---|---|---|---|---|
| ROE (TTM) | 21.1% | 21.1% | 21.1% | 21.1% | 19.8% | 19.8% |
| P/E (TTM) | 6.74 | 7.72 | 7.24 | 6.78 | 7.33 | 8.56 |
| Net Margin | 17.2% | 18.6% | 18.6% | 18.6% | 16.2% | 16.2% |
| Gross Margin | 50.5% | 51.8% | 51.8% | 51.8% | 50.4% | 50.4% |
| D/E Ratio | 459.85 | 459.85 | 459.85 | 459.85 | 958.94 | 958.94 |
| Current Ratio | 1.39 | 1.39 | 1.39 | 1.39 | 1.15 | 1.15 |
Key Ratios
ROA (TTM)
2.7%
P/S (TTM)
1.39
P/B
1.4
EPS (TTM)
$6.20
CF/Share
$4.10
Rev Growth 3Y
+3.0%
52W High
$78.91
52W Low
$41.37
$41.37
52-Week Range
$78.91
Financial Health
Free Cash Flow
$266.1M
Net Debt
$5.9B
Cash
$621.1M
Total Debt
$6.5B
As of Dec 31, 2025
How does ATLCP compare to Financial Services peers?
Peer group: Small-cap Financial Services ($300M+) · 132 companies
ATLCP valuation vs Financial Services peers
P/E ratio
8.6
▼
30%
below
peers
(12.3)
vs Peers
vs Industry
Undervalued
P/S ratio
1.4
▼
57%
below
peers
(3.3)
vs Peers
vs Industry
Undervalued
P/B ratio
1.4
▼
13%
below
peers
(1.6)
vs Peers
vs Industry
Fair value
Div yield
—
▼
0%
below
peers
(4.5%)
vs Peers
vs Industry
In line
ATLCP profitability vs Financial Services peers
ROE
19.8%
▲
62%
above
peers
(12.3%)
vs Peers
vs Industry
Top tier
Net margin
16.2%
▼
14%
below
peers
(18.9%)
vs Peers
vs Industry
In line
Gross margin
50.4%
▼
22%
below
peers
(65.1%)
vs Peers
vs Industry
Weak
ROA
2.7%
▼
5%
below
peers
(2.9%)
vs Peers
vs Industry
In line
ATLCP financial health vs Financial Services peers
D/E ratio
958.9
▲
826%
above
peers
(103.6)
vs Peers
vs Industry
High debt
Current ratio
1.2
▲
0%
above
peers
(1.2)
vs Peers
vs Industry
In line
Beta
2.0
▲
110%
above
peers
(1.0)
vs Peers
vs Industry
More volatile
ATLCP fundamentals radar
ATLCP
Peer median
Industry
ATLCP profitability vs leverage
Bubble size = market cap · X = net margin · Y = D/E ratio
ATLCP vs peers: key metrics
Top Holders
Top 5: 0.7%Psi Advisors, Llc
0.70%
$488K
As of Sep 30, 2025
Dividends
$1.91
/ year
Feb 27, 2026
$0.4770
Dec 01, 2025
$0.4770
Aug 29, 2025
$0.4770
May 30, 2025
$0.4770
Feb 28, 2025
$0.4770
Nov 29, 2024
$0.4770
Aug 30, 2024
$0.4770
May 31, 2024
$0.4770
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