ATLC vs UPST
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. UPST: AI-powered marketplace that reimagines consumer lending through proprietary machine learning models to deliver higher approval rates and lower interest rates than traditional FICO-based systems.
Side-by-side fundamentals
| Metric | ATLC | UPST | Edge |
|---|---|---|---|
| Price as of 2026-07-22 close | $95.17 | $28.64 | |
| Market cap as of 2026-07-23 | $1.5B | $2.7B | |
| P/E as of 2026-07-23 | 10.78 | 55.49 | ATLC lower |
| PEG as of 2026-07-23 | 0.48 | 1.72 | ATLC lower |
| Net margin as of 2026-07-23 | +13.3% | +4.3% | ATLC higher |
| Gross margin as of 2026-07-23 | +45.6% | +82.2% | UPST higher |
| Operating margin as of 2026-07-23 | +17.6% | +4.1% | ATLC higher |
| ROE as of 2026-07-23 | +21.0% | +7.3% | ATLC higher |
| ROA as of 2026-07-23 | +2.1% | +2.0% | ATLC higher |
| Debt / equity as of 2026-07-23 | 9.19 | 2.29 | UPST lower |
| Revenue growth (YoY) as of 2026-07-23 | +65.1% | +57.7% | ATLC higher |
| Revenue CAGR (3y) SEC XBRL | +23.4% | +7.4% | ATLC higher |
| Dividend yield as of 2026-07-23 | +0.6% | n/a | |
| Beta as of 2026-07-23 | 2.06 | 2.21 | |
| 1-year return as of 2026-07-22 close | +83.4% | -64.2% | ATLC 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.