Atlanticus Holdings CorpATLC
Price$87.53Intrinsic value$47.6346% below price

Valuation

How Intrinsic Value compares with model outputs

Intrinsic Value $47.63median of 2 methodsbased on filings through 30 Jun 2026
Market Price $87.53Price as of 30 Sep 2026
Margin of Safety -45.6%as of 30 Sep 2026

Valuation methods vs. Market Price

Company vs. peer median Members

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Assumptions

ParameterValue
Years 1–5: analyst growth pathFive-year total matches analyst consensus exactly. Year 1: 56.9% (near-term consensus, capped) · years 2–5: 42.8%/yr (balance of the path).45.5% per year
Years 6–10: glide to demonstrated growth own history 23.7%, capped at 20%
Per-year rates
Yr 638.2%Yr 733.7%Yr 829.1%Yr 924.6%Yr 1020.0%
42.8% → 20.0%
Years 11–20: glide to long-run rate
Per-year rates
Yr 1118.3%Yr 1216.6%Yr 1314.9%Yr 1413.2%Yr 1511.5%Yr 169.8%Yr 178.1%Yr 186.4%Yr 194.7%Yr 203.0%
20.0% → 3.0%
Beyond year 20: terminal growthPerpetual long-run rate3.0%
Historical EPS growth (multi-year median)median of 3 windows (5/6/7y)23.7%
Discount rate (cost of equity) 12.6%
Volatility vs market (adjusted beta)1.70

Valuation Detail Members

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Assumptions Sandbox Members

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Compare with peers

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Best in rowHigher is betterLower is better—Data not available
TargetAtlanticus Holdings CorpATLCFinancials
Valuation
P/E11.4×
P/S4.2×
P/B2.6×
EV / Revenue—
EV / EBITDA—
Profitability
Gross margin28.0%
Operating margin58.7%
Net margin44.4%
FCF margin182.4%
Returns
ROE21.9%
ROA2.1%
ROIC2.4%
Growth
Revenue growth (YoY)69.5%
5-yr fwd EPS growth45.5%
Financial strength
Debt / Equity8.98×
Current ratio—
Altman Z-Score—
Interest coverage—
Dividend yield—

Best value in each row is highlighted. Figures are periodic snapshots from the same filings used across each dossier; a dash means the figure is not available.

AI-assisted, source-linked narrative; figures from company filings (SEC EDGAR) and market data. Dates shown per section. Not investment advice. Terms of Use.