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Atlanticus HoldingsATLC -0.25%62 3-Year Book Growth Rate is 21.80% as of Jun. 2026, which is 156% above its 10-year median of 8.50. GuruFocus rates ATLC with a GF Score™ of 62/100 and a GF Value™ of $225.18 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 515 Credit Services companies, Atlanticus Holdings ranks better than 84.08% on this metric.
During the past 12 months, Atlanticus Holdings's average Book Value per Share Growth Rate was 24.20% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 21.80% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 42.80% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of Atlanticus Holdings was 634.50% per year. The lowest was -60.30% per year. And the median was 8.50% per year.
Atlanticus Holdings (NAS:ATLC) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Atlanticus Holdings 3-Year Book Growth Rate Related Terms
ATLC vs JCAP, LU, QFIN: 3-Year Book Growth Rate Comparison
For the Credit Services subindustry, Atlanticus Holdings's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate 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 3-Year Book Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Atlanticus Holdings's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Atlanticus Holdings's 3-Year Book Growth Rate falls into.
Atlanticus Holdings 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 21.80% mean?
Atlanticus Holdings (ATLC) has a 3-Year Book Growth Rate of 21.80% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Atlanticus Holdings and its competitors. This is 156% above median its historical median of 8.50. According to the industry distribution chart, Atlanticus Holdings ranks #82 out of 515 companies in the Credit Services industry, placing it in the top 15.9%.
Is Atlanticus Holdings' 3-Year Book Growth Rate too high?
Atlanticus Holdings' current 3-Year Book Growth Rate of 21.80% is 156% above median its 10-year median of 8.50. The Credit Services industry median 3-Year Book Growth Rate is 6.00. Atlanticus Holdings' value of 21.80% is 263.3% above this industry median. Based on the distribution chart, Atlanticus Holdings ranks #82 out of 515 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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' 3-Year Book Growth Rate compare to JCAP and LU?
According to the Credit Services industry distribution chart, Atlanticus Holdings ranks #82 out of 515 companies for 3-Year Book Growth Rate. This places Atlanticus Holdings in the top 16% of its industry — outperforming the majority of peers. The industry median 3-Year Book Growth Rate is 6.00. Atlanticus Holdings' value of 21.80% is 263.3% above this benchmark. While the company's 10-year median is 8.50 vs. the industry median of 6.00, Atlanticus Holdings has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Credit Services company?
The median 3-Year Book Growth Rate among Credit Services companies is 6.00, based on 515 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Atlanticus Holdings's current 3-Year Book Growth Rate of 21.80% is 263.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Atlanticus Holdings and its competitors. For the Credit Services industry, the median 3-Year Book Growth Rate is 6.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Atlanticus Holdings's current 3-Year Book Growth Rate is 21.80%, which is 156% above median its own 10-year median of 8.50. 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 $225.18, compared to a current price of $93.49 — trading 58.5% below its estimated fair value. The current 3-Year Book Growth Rate is 21.80%, which is 156% above median its 10-year median of 8.50 and 263.3% above the Credit Services industry median of 6.00. Atlanticus Holdings' overall GF Score™ is 62/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Atlanticus Holdings (ATLC), the current 3-Year Book Growth Rate is 21.80% as of Jun. 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 $93.49 is trading 58.5% below its estimated GF Value™ of $225.18.
GuruFocus considers Atlanticus Holdings to be Significantly Undervalued.
Key valuation signals for ATLC:
3-Year Book Growth Rate: 21.80% (156% above median its 10-year median of 8.50)
GF Value™: $225.18 vs. price of $93.49 (58.5% below fair value)
Industry Position: 263.3% above the Credit Services median (#82 of 515)
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
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