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Atlanticus HoldingsATLC -1.36%68 3-Year EPS without NRI Growth Rate is 0.70% as of Jun. 2026, which is 92% below its 10-year median of 9.30. GuruFocus rates ATLC with a GF Score™ of 68/100 and a GF Value™ of $83.15 (Fairly Valued). The stock has 3 warning signs investors should review. Among 430 Credit Services companies, Atlanticus Holdings ranks worse than 65.35% on this metric.
During the past 12 months, Atlanticus Holdings's average EPS without NRI Growth Rate was 35.10% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 0.70% per year.
During the past 5 years, the average EPS without NRI Growth Rate was -0.20% 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 EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of Atlanticus Holdings was 337.10% per year. The lowest was -285.90% per year. And the median was 9.30% per year.
Atlanticus Holdings (NAS:ATLC) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Atlanticus Holdings 3-Year EPS without NRI Growth Rate Related Terms
ATLC vs JCAP, LU, QFIN: 3-Year EPS without NRI Growth Rate Comparison
For the Credit Services subindustry, Atlanticus Holdings's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI 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 EPS without NRI Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Atlanticus Holdings's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Atlanticus Holdings's 3-Year EPS without NRI Growth Rate falls into.
Atlanticus Holdings 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. 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 EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 0.70% mean?
Atlanticus Holdings (ATLC) has a 3-Year EPS without NRI Growth Rate of 0.70% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Atlanticus Holdings and its competitors. This is 92% below median its historical median of 9.30. According to the industry distribution chart, Atlanticus Holdings ranks #281 out of 430 companies in the Credit Services industry, placing it in the top 65.3%.
Is Atlanticus Holdings' 3-Year EPS without NRI Growth Rate too high?
Atlanticus Holdings' current 3-Year EPS without NRI Growth Rate of 0.70% is 92% below median its 10-year median of 9.30. The Credit Services industry median 3-Year EPS without NRI Growth Rate is 11.50. Atlanticus Holdings' value of 0.70% is 93.9% below this industry median. Based on the distribution chart, Atlanticus Holdings ranks #281 out of 430 companies in the Credit Services industry, which is below the industry midpoint. Overall, Atlanticus Holdings has a GF Score™ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Atlanticus Holdings' 3-Year EPS without NRI Growth Rate compare to JCAP and LU?
According to the Credit Services industry distribution chart, Atlanticus Holdings ranks #281 out of 430 companies for 3-Year EPS without NRI Growth Rate. This places Atlanticus Holdings in the lower half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 11.50. Atlanticus Holdings' value of 0.70% is 93.9% below this benchmark. While the company's 10-year median is 9.30 vs. the industry median of 11.50, Atlanticus Holdings has consistently been below 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 EPS without NRI Growth Rate for a Credit Services company?
The median 3-Year EPS without NRI Growth Rate among Credit Services companies is 11.50, based on 430 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI 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 EPS without NRI Growth Rate of 0.70% is 93.9% below 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 EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Atlanticus Holdings and its competitors. For the Credit Services industry, the median 3-Year EPS without NRI Growth Rate is 11.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Atlanticus Holdings's current 3-Year EPS without NRI Growth Rate is 0.70%, which is 92% below median its own 10-year median of 9.30. 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 Fairly Valued. The stock's GF Value™ is $83.15, compared to a current price of $89.31 — trading 7.4% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 0.70%, which is 92% below median its 10-year median of 9.30 and 93.9% below the Credit Services industry median of 11.50. Atlanticus Holdings' overall GF Score™ is 68/100 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 EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Atlanticus Holdings (ATLC), the current 3-Year EPS without NRI Growth Rate is 0.70% 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 overvalued.
The current stock price of $89.31 is trading 7.4% above its estimated GF Value™ of $83.15.
GuruFocus considers Atlanticus Holdings to be Fairly Valued.
Key valuation signals for ATLC:
3-Year EPS without NRI Growth Rate: 0.70% (92% below median its 10-year median of 9.30)
GF Value™: $83.15 vs. price of $89.31 (7.4% above fair value)
Industry Position: 93.9% below the Credit Services median (#281 of 430)
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.
68GF Score
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