ATLANTICUS HOLDINGS CORP (ATLC)
Financials · Consumer credit / fintech lending platform · NASDAQ
Atlanticus is a financial technology company enabling near-prime consumer lending through its proprietary decisioning platform and receivables acquisition model.
What ATLANTICUS HOLDINGS CORP does
Atlanticus is a financial technology company that powers inclusive financial solutions for underserved Americans. It provides technology platforms, decisioning systems, and support services to bank partners (The Bank of Missouri, WebBank, and First Bank and Trust) who originate private label and general purpose credit cards. Atlanticus purchases the resulting receivables from its bank partners and other third parties, leveraging proprietary analytics and machine learning to offer credit to consumers typically overlooked by traditional lenders. The company operates through two segments: Credit as a Service (CaaS), covering private label cards, general purpose cards, patient financing and dealer solutions; and Auto Finance.
Themes: ["Near-prime / underserved consumer credit","Fintech / lending platform","Credit decisioning and analytics","Credit cards / consumer financing","Auto finance","Machine learning credit models"]
Fundamentals
- Price$98.24 as of 2026-07-09 close
- Market cap$1.4B as of 2026-07-10
- 1-year return+72.4% as of 2026-07-09 close
- P/E10.74 as of 2026-07-10
- Net margin+13.3% as of 2026-07-10
- Gross margin+45.6% as of 2026-07-10
- ROE+21.0% as of 2026-07-10
- Debt / equity9.19 as of 2026-07-10
- Revenue growth (YoY)+65.1% as of 2026-07-10
- Revenue CAGR (3y)+23.4% SEC XBRL
- Beta2.06 as of 2026-07-10
Dividend: yield +0.6%; pays a dividend.
Key risks (from latest filing)
["Credit risk concentration in near-prime consumer portfolio; economic deterioration or rising delinquencies could materially impact receivables value and profitability","Regulatory risk; bank partners provide regulatory oversight and charter; changes in consumer lending regulations or banking requirements could restrict operations","Receivables concentration and funding dependence; the company's model depends on continued ability to acquire and securitize receivables at favorable terms"]
Competitors & peers
- SLM Solutions Group (SSOL)
- Enova International (ENVA)
- MoneyLion Inc.
- Elevate Credit (ELVT)
- Curo Group Holdings (CURO)
- Upstart Holdings (UPST)
- LendingClub (LC)
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.