Atlanticus Holdings Corporation, a financial technology company, provides products and services to lenders in the United States. It operates in two segments, Credit as a Service (CaaS) and Auto Finance. The CaaS segment offers private label credit products associated with the healthcare space under the Curae brand, as well as consumer electronics, furniture, elective medical procedures, and home-improvement under the Fortiva brand and its retail partners’ brands; and general-purpose credit cards under the Aspire, Imagine, and Fortiva brand names. Its private label and general-purpose credit cards originated from its bank partners through various channels, including retail and healthcare point-of-sale locations, direct mail solicitation, and digital marketing and partnerships with third parties. This segment also offers loan servicing, such as risk management and customer service outsourcing for third parties, as well as engages in other product testing and investments. The Auto Finance segment purchases and/or services loans secured by automobiles from or for a pre-qualified network of independent automotive dealers and automotive finance companies in the buy-here and pay-here used car business. This segment also provides floor plan financing and installment lending products. The company was founded in 1996 and is headquartered in Atlanta, Georgia.
Growth Trajectory | Discover ATLC's growth strategies, including increased marketing spend and diversification, with analyst price targets ranging from $72 to $95, averaging around $77. |
Financial Resilience | Learn about ATLC's robust financial performance, with Q2 2025 net income of $28 million surpassing forecasts, and analysts projecting FY 2026 EPS of $8.72. |
Market Dynamics | Delve into ATLC's competitive advantage in a market with limited competition, enabling aggressive marketing strategies and strong card portfolio growth. |
Strategic Acquisition | Explore how Atlanticus Holdings' acquisition of Mercury Financial is set to double its loan portfolio and drive significant earnings growth, particularly from 2026 onwards. |
Metrics to compare | ATLC | Sector Sector - Average of metrics from a broad group of related Financials sector companies | Relationship RelationshipATLCPeersSector | |
|---|---|---|---|---|
P/E Ratio | 7.4x | 12.0x | 10.1x | |
PEG Ratio | 0.29 | 0.06 | 0.03 | |
Price / Book | 1.3x | 1.7x | 1.0x | |
Price / LTM Sales | 1.6x | 2.3x | 2.9x | |
Upside (Analyst Target) | 69.5% | 45.7% | 11.5% | |
Fair Value Upside | Unlock | 34.9% | 1.6% | Unlock |