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Beta is the sensitivity of the expected excess asset returns to the expected excess market returns. As of today (2026-07-19), Atlanticus Holdings's Beta is 1.9481.
Atlanticus Holdings (NAS:ATLC) Beta Explanation
Beta is a measure of the volatility, or systematic risk, of a security or a portfolio in comparison to the market as a whole. We usually compare beta to 1. A beta of 1 indicates that the security's price will move with the market. A beta of less than 1 means that the security will be less volatile than the market. A beta of greater than 1 indicates that the security's price will be more volatile than the market.
Beta is primarily used in the Capital Asset Pricing Model (CAPM) to calculate the Cost of Equity, which can be used in the calculation of WACC %. The formula of Cost of Equity is:
Cost of Equity = Risk-Free Rate of Return + Beta of Asset * (Expected Return of the Market - Risk-Free Rate of Return)
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, Atlanticus Holdings's Beta, along with its competitors' market caps and Beta data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Atlanticus Holdings Beta vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Atlanticus Holdings's Beta distribution charts can be found below:
* The bar in red indicates where Atlanticus Holdings's Beta falls into.
Beta is the sensitivity of the expected excess asset returns to the expected excess market returns. A stock's beta can be calculated by dividing the product of the covariance of the individual stock's returns and the market's returns by the variance of the market's returns over a specified period. Basically, GuruFocus uses the returns calculated over three-year period.
Atlanticus Holdings (ATLC) has a Beta of 1.9481 as of Jul. 19, 2026. Beta is the sensitivity of the expected excess asset returns to the expected excess market returns. View historical data for Atlanticus Holdings and its competitors.
Is Atlanticus Holdings' Beta too high?
Atlanticus Holdings' current Beta is 1.9481. Overall, Atlanticus Holdings has a GF Score™ of 62/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Atlanticus Holdings' Beta compare to QFIN and ECPG?
Atlanticus Holdings' Beta of 1.9481 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Beta for a Credit Services company?
A good Beta depends on the Credit Services industry context. However, Beta should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Beta mean?
A high Beta can signal that a stock is expensive relative to its fundamentals. Beta is the sensitivity of the expected excess asset returns to the expected excess market returns. View historical data for Atlanticus Holdings and its competitors. Atlanticus Holdings's current Beta is 1.9481. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Atlanticus Holdings stock overvalued right now?
Based on GuruFocus' analysis, Atlanticus Holdings (ATLC) is currently considered Significantly Undervalued. The stock's GF Value™ is $212.64, compared to a current price of $100.46 — trading 52.8% below its estimated fair value. The current Beta is 1.9481. Atlanticus Holdings' overall GF Score™ is 62/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Beta calculated?
Beta is calculated from a company's financial statements. For Atlanticus Holdings (ATLC), the current Beta is 1.9481 as of Jul. 19, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Atlanticus Holdings (ATLC) Overvalued in 2026?
Based on GuruFocus' analysis, Atlanticus Holdings stock appears to be undervalued.
The current stock price of $100.46 is trading 52.8% below its estimated GF Value™ of $212.64.
GuruFocus considers Atlanticus Holdings to be Significantly Undervalued.
Key valuation signals for ATLC:
Beta: 1.9481
GF Value™: $212.64 vs. price of $100.46 (52.8% below fair value)
No single metric tells the full story. See the ATLC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Atlanticus Holdings Corp is a financial technology company powering more inclusive financial solutions for Everyday Americans. It provides technology and other support services to lenders who offer an array of financial products and services to consumers. The company's products and services are reported through two reportable segments. Credit as a Service (CaaS) offers products including private label credit cards using the Fortiva and Curae brand names as well as merchant-associated brands and Auto Finance provides purchase and/or service loans secured by automobiles from or for, and also provides floor-plan financing for, a pre-qualified network of independent automotive dealers and automotive finance companies in the buy-here, pay-here used car business.
62GF Score
Get the complete analysis for ATLC
Beta is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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