# Atlanticus Holdings Corporation (ATLC) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Consumer Finance. Price $93.13, market value $1.4 billion.

## Valuation
- **P/E (trailing): 12.1×** (5-yr avg 9.2×, 3-yr avg 10.7×). Atlanticus Holdings Corporation trades at 12.1× trailing earnings, well above its own five-year average of 9.2×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 7.0×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.28**. A PEG of 0.28 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 0.5×**. Each dollar of revenue is priced at 0.5×, a low multiple typical of thin-margin businesses or out-of-favour stocks.
- **Price / book: 2.0×**. The shares trade at 2.0× book value; book value is a meaningful part of the valuation.
- **Earnings yield: 8.3%**. The inverse of the P/E: 8.3% of the price is earned each year.

## Profitability
- **Net margin: 6.2%**. 6.2% of each dollar of sales reaches the bottom line.
- **Return on equity: 20.1%**. 20.1% on shareholders' equity is excellent if it is not driven by leverage; sustained above 20% usually signals a competitive advantage.
- **Return on assets: 2.0%**. Each dollar of assets produces 2.0% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 50.1%** (3-yr 23.4%/yr, 5-yr 28.4%/yr). Revenue grew 50.1% over the last year, against 28.4% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): 24.9%** (3-yr 0.7%/yr, 5-yr 8.6%/yr). Earnings per share rose 24.9%, slower than revenue, so margins compressed.

## Financial health
- **Piotroski F-score: 3/9**. 3 of 9 checks pass: weak or deteriorating financials.

## Dividends
- **Dividend: none**. Atlanticus Holdings Corporation does not currently pay a dividend.

## Price and momentum
- **Total return (1 yr): 35.4%** (YTD 39.1%, 3-mo 10.7%). The shares are up 35.4% over twelve months including dividends.
- **From 52-week high: -18.5%** (96.1% above the low). Trading 19% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 45**. An RSI of 45 is neutral.
- **Beta (1 yr): 1.63** (volatility 54%). Beta of 1.63 against the S&P 500: the shares move much more than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=ATLC · Page: https://foliofundamentals.com/stocks/atlc

Not investment advice.