Overview
Founded in 1996, Atlanticus' business utilizes proprietary analytics and a flexible technology platform to enable financial institutions to provide various credit and related financial services and products to the financially underserved consumer credit market. The company applies the experience gained and infrastructure built from servicing over 17 million customers and $25 billion in consumer loans over their 24-year operating history to support lenders that originate a range of consumer loan products. These products include retail credit and general-purpose credit cards marketed through their omnichannel platform, including retail point-of-sale, direct mail solicitation, Internet-based marketing, and partnerships with third parties. Additionally, through its CAR subsidiary, Atlanticus serves the individual needs of automotive dealers and automotive non-prime financial organizations with multiple financing and service programs.
Basic Stats
The share price of Atlanticus Holdings Corporation as of September 4, 2025 is $68.76 / share. This is an increase of 2.89% from the prior week. The market cap (or net worth) of Atlanticus Holdings Corporation as of September 4, 2025 is $1,037.93 MM.
The Factor Analysis chart (below right) shows a view of Atlanticus Holdings Corporation from a variety of lenses. Each factor shows how well the company ranks against all other companies in the Fintel global investing universe. Factor scores range from zero to 100, with 100 being most desirable, and 50 being average.
For example, a company with a Value Score of 100 would be the most undervalued company in our database. A company with a Value Score of zero would be the most overvalued.
| Market Cap | 1,037.93 MM |
| EV | 3,531.27 MM |
| Shares Out. | 15.13 MM |
| Earnings Date | |
| EPS (TTM) | 8.13 |
| Dividend Yield | |
| Ex-Dividend Date | |
| Borrow Rate | 0.49 |
| Short Shares Avail. | 0.06 MM |
| Short Interest | 0.28 MM |
| Short Float | 5.29 % |
| Days to Cover | 12.97 days |
| Risk Free Rate | 4.22 % |
| Price Change (1 yr) | 107.25 % |
| Volatility (1 yr) | 0.50 |
| Beta | 1.67 |
| Sharpe Ratio (1 yr) | 2.08 |
| Sortino Ratio (1 yr) | 3.79 |
| PE Ratio | 8.44 |
| Price/Book | 1.73 |
| Price/TBV | 1.84 |
| Book/Market | 0.58 |
| EBIT/EV | 0.04 |
| EBIT(3yr avg)/EV | 0.04 |
| ROA | 0.04 |
| ROE | 0.22 |
| ROIC | 0.04 |
| CROIC | 0.02 |
| OCROIC | 0.15 |
| Implied Volatility | |
| Put/Call OI Ratio |
Factor Scores range from 0 to 100, with 100 being most desirable. Larger circles are better. In situations where we have no data (e.g. no insider trades), we plot the score at 50 to avoid penalizing companies. However, a company that does not pay dividends will get a Dividend Score of Zero. Additionally, we inverted volatility to create a "stability" metric which is better when higher.
Price Target
The average one-year price target for Atlanticus Holdings Corporation is $72.59. The forecasts range from a low of $56.56 to a high of $88.20. A stock’s price target is the price at which analysts consider it fairly valued with respect to its projected earnings and historical earnings. Analysts typically set price targets that correspond to their buy or sell recommendations.
Update Frequency: Monthly
Stock Upgrades/Downgrades
This card shows analyst upgrades/downgrades for Atlanticus Holdings Corporation. An analyst rating is a classification that gives investors a sense of analyst sentiment about the direction and performance of an equity - usually a stock - over a period of time, typically 12 months.
The standard analyst ratings are generally as follows:
- Buy/Overweight/Outperform - Any of these ratings conveys an analyst’s belief that the stock is likely to outperform a market index (e.g. the S&P 500).
- Hold/Equal-Weight/Market Perform - Any of these ratings conveys an analyst’s belief that the stock is likely to perform in line with a market index.
- Sell/Underweight/Underperform - Any of these ratings suggest that an analyst believes the stock is likely to underperform a market index.
When an analyst upgrades a stock, they are signaling that the company’s fundamentals are being undervalued by investors. It could also mean they believe the market is underestimating the company’s potential. The opposite is true when a stock receives a downgrade.
The average rating of each individual analyst’s rating is the consensus rating for a stock. This gives investors a broader sense of the overall sentiment for that stock.
| Date | Analyst | Prior | Latest Recommendation |
Action |
|---|---|---|---|---|
| 2023-01-13 | JMP Securities | Market Outperform | Maintains | |
| 2022-07-15 | JMP Securities | Market Outperform | Maintains | |
| 2022-05-16 | JMP Securities | Market Outperform | Maintains | |
| 2022-05-16 | B. Riley Securities | Buy | Maintains | |
| 2022-03-17 | JMP Securities | Market Outperform | Maintains | |
| 2021-09-21 | JMP Securities | Market Outperform | Initiate | |
| 2021-06-14 | B. Riley Securities | Buy | Initiate | |
| 2023-05-10 | JMP Securities | Market Outperform | Reiterate | |
| 2023-06-16 | Jefferies | Buy | Initiate | |
| 2023-06-20 | JMP Securities | Market Outperform | Market Outperform | Maintains |
| 2023-11-13 | JMP Securities | Market Outperform | Market Outperform | Maintains |
| 2023-08-14 | JMP Securities | Market Outperform | Market Outperform | Reiterate |
| 2023-10-16 | JMP Securities | Market Outperform | Market Outperform | Maintains |
| 2024-03-11 | JMP Securities | Outperform | Outperform | Maintains |
| 2023-09-13 | Janney Montgomery Scott | Neutral | Initiate | |
| 2024-06-07 | BTIG | Buy | Initiate | |
| 2024-05-13 | JMP Securities | Market Outperform | Market Outperform | Reiterate |
| 2024-05-28 | JMP Securities | Market Outperform | Market Outperform | Reiterate |
| 2024-05-22 | Keefe, Bruyette & Woods | Market Perform | Initiate | |
| 2024-03-05 | JMP Securities | Market Outperform | Market Outperform | Reiterate |
| 2024-04-17 | JMP Securities | Market Outperform | Market Outperform | Reiterate |
| 2024-11-12 | BTIG | Buy | Buy | Maintains |
| 2024-12-03 | JMP Securities | Market Outperform | Market Outperform | Maintains |
| 2024-11-21 | B. Riley Securities | Buy | Buy | Maintains |
| 2024-11-13 | Stephens & Co. | Overweight | Initiate | |
| 2024-11-13 | JMP Securities | Market Outperform | Market Outperform | Maintains |
| 2025-03-21 | Citizens Capital Markets | Market Outperform | Market Outperform | Maintains |
| 2024-10-14 | JMP Securities | Market Outperform | Market Outperform | Maintains |
| 2025-03-14 | Citizens Capital Markets | Market Outperform | Market Outperform | Reiterate |
| 2025-03-17 | Keefe, Bruyette & Woods | Market Perform | Market Perform | Reiterate |
| 2025-07-17 | JMP Securities | Market Outperform | Market Outperform | Maintains |
| 2025-08-12 | JMP Securities | Market Outperform | Market Outperform | Maintains |
| 2025-05-12 | Keefe, Bruyette & Woods | Market Perform | Market Perform | Reiterate |
