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Atlanticus HoldingsATLC -2.10%62 EV-to-OCF is 7.60 as of Aug. 29, 2026, which is 17% above its 10-year median of 6.47. GuruFocus rates ATLC with a GF Score™ of 62/100 and a GF Value™ of $83.05 (Fairly Valued). The stock has 3 warning signs investors should review. Among 546 Credit Services companies, Atlanticus Holdings ranks worse than 68.13% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Atlanticus Holdings's Enterprise Value is $7,116.6 Mil.
Atlanticus Holdings's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $937.0 Mil. Therefore, Atlanticus Holdings's EV-to-OCF for today is 7.60.
The historical rank and industry rank for Atlanticus Holdings's EV-to-OCF or its related term are showing as below:
ATLC'
s EV-to-OCF Range Over the Past 10 Years
Min: -26.35 Med: 6.47 Max: 124.29
Current: 7.6
During the past 13 years, the highest EV-to-OCF of Atlanticus Holdings was 124.29. The lowest was -26.35. And the median was 6.47.
ATLC's EV-to-OCF is ranked worse than 68.13% of 546
companies
in the Credit Services industry
Industry Median: -0.125
vs ATLC: 7.60
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Atlanticus Holdings's PE Ratio (TTM) for today is calculated as:
Atlanticus Holdings's share price for today is $91.08.
Atlanticus Holdings's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $7.690.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Atlanticus Holdings EV-to-OCF Related Terms
Atlanticus Holdings EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Atlanticus Holdings's EV-to-OCF can be seen below:
* 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 EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Atlanticus Holdings's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Atlanticus Holdings's EV-to-OCF falls into.
Atlanticus Holdings's current Enterprise Value is $7,116.6 Mil.
Atlanticus Holdings's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $937.0 Mil.
* 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.
Atlanticus Holdings (ATLC) has a EV-to-OCF of 7.60 as of Aug. 29, 2026. This is 17% above median its historical median of 6.47. According to the industry distribution chart, Atlanticus Holdings ranks #372 out of 546 companies in the Credit Services industry, placing it in the top 68.1%.
Is Atlanticus Holdings' EV-to-OCF too high?
Atlanticus Holdings' current EV-to-OCF of 7.60 is 17% above median its 10-year median of 6.47. Based on the distribution chart, Atlanticus Holdings ranks #372 out of 546 companies in the Credit Services industry, which is below the industry midpoint. Overall, Atlanticus Holdings has a GF Score™ of 62/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Atlanticus Holdings' EV-to-OCF compare to QFIN and JCAP?
According to the Credit Services industry distribution chart, Atlanticus Holdings ranks #372 out of 546 companies for EV-to-OCF. This places Atlanticus Holdings in the lower half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Credit Services company?
A good EV-to-OCF depends on the Credit Services industry context. However, EV-to-OCF 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. Atlanticus Holdings's current EV-to-OCF is 7.60, which is 17% above median its own 10-year median of 6.47. 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 $83.05, compared to a current price of $91.08 — trading 9.7% above its estimated fair value. The current EV-to-OCF is 7.60, which is 17% above median its 10-year median of 6.47. 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 EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Atlanticus Holdings (ATLC), the current EV-to-OCF is 7.60 as of Aug. 29, 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 $91.08 is trading 9.7% above its estimated GF Value™ of $83.05.
GuruFocus considers Atlanticus Holdings to be Fairly Valued.
Key valuation signals for ATLC:
EV-to-OCF: 7.60 (17% above median its 10-year median of 6.47)
GF Value™: $83.05 vs. price of $91.08 (9.7% above 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
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EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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