ATLC vs ENVA
ATLC: Atlanticus Holdings is a fintech firm that leverages proprietary machine learning and predictive analytics to facilitate credit access for underserved, near-prime consumers through retail and healthcare point-of-sale channels. ENVA: Digital-first consumer and small business lender with a major pending bank acquisition, serving underserved borrowers through online origination and credit securitization.
Side-by-side fundamentals
| Metric | ATLC | ENVA | Edge |
|---|---|---|---|
| Price as of 2026-07-22 close | $95.17 | $222.49 | |
| Market cap as of 2026-07-23 | $1.5B | $5.7B | |
| P/E as of 2026-07-23 | 10.78 | 17.41 | ATLC lower |
| PEG as of 2026-07-23 | 0.48 | 0.41 | ENVA lower |
| Net margin as of 2026-07-23 | +13.3% | +16.9% | ENVA higher |
| Gross margin as of 2026-07-23 | +45.6% | +100.0% | ENVA higher |
| Operating margin as of 2026-07-23 | +17.6% | +40.0% | ENVA higher |
| ROE as of 2026-07-23 | +21.0% | +24.9% | ENVA higher |
| ROA as of 2026-07-23 | +2.1% | +5.2% | ENVA higher |
| Debt / equity as of 2026-07-23 | 9.19 | 3.45 | ENVA lower |
| Revenue growth (YoY) as of 2026-07-23 | +65.1% | +20.1% | ATLC higher |
| Revenue CAGR (3y) SEC XBRL | +23.4% | +22.0% | ATLC higher |
| Dividend yield as of 2026-07-23 | +0.6% | n/a | |
| Dividend streak (yrs) SEC XBRL | n/a | 2 | |
| Beta as of 2026-07-23 | 2.06 | 1.24 | |
| 1-year return as of 2026-07-22 close | +83.4% | +102.1% | ENVA higher |
Fundamentals: Finnhub, as of 2026-07-23. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-22.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.