Atlanticus Holdings Corporation (ATLC) Stock Score, Valuation & Financial Research
Atlanticus Holdings Corporation is in the Financial Services sector and Financial - Credit Services industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 68/100.
Quick answer for ATLC
Atlanticus Holdings Corporation currently has a Wall Street Score of 68/100. The stored market price is $93.2. Its financial score is 40/100. Its valuation score is 100/100. The latest WSS change is +0.7 points. These figures are a research snapshot, not a buy or sell recommendation.
What Atlanticus Holdings Corporation does
Atlanticus Holdings Corporation, operating under the ticker ATLC, is a financial services enterprise providing a spectrum of credit and related financial solutions to consumers throughout the United States. The company's operations are structured into two principal divisions: Credit as a Service and Auto Finance. The Credit as a Service segment is dedicated to the origination and facilitation of various consumer loan products. This includes both private label credit cards, often associated with specific retailers or healthcare providers, and general purpose credit cards. These cards are issued by lenders and disseminated through multiple avenues, such as retail and healthcare partnerships, targeted direct mail campaigns, digital marketing initiatives, and collaborations with external organizations. This segment empowers customers to finance acquisitions of diverse goods and services, ran
ATLC financial snapshot
- Wall Street Score:
- 68/100
- Current price:
- $93.2
- Market capitalization:
- $1.41B
- Revenue:
- $1.66B
- Net income:
- $154.0M
- Free cash flow:
- $632.9M
- Cash:
- $645.2M
- Total debt:
- $6.29B
- EPS:
- 9.60
- P/E ratio:
- 9.7x
- Financial score:
- 40/100
- Valuation score:
- 100/100
- Revenue score:
- 66/100
What stands out
- Reported year-over-year revenue growth is +1.4%.
- Free cash flow is $632.9M, showing positive cash generation.
- The balance sheet shows $645.2M of cash versus $6.29B of total debt, so leverage deserves attention.
- The latest Wall Street Score change is +0.7 points: ATLC increased 0.7 points because Valuation improved by 15 points.
What the numbers mean
Its current valuation score is 100/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 40/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-09-08.
How to research ATLC
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.