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Atlanticus HoldingsATLC -2.10%62 Equity-to-Asset is 0.09 as of Jun. 2026, which is at its 10-year median of 0.09. 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 550 Credit Services companies, Atlanticus Holdings ranks worse than 90.91% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Atlanticus Holdings's Total Stockholders Equity for the quarter that ended in Jun. 2026 was $701.9 Mil. Atlanticus Holdings's Total Assets for the quarter that ended in Jun. 2026 was $7,491.8 Mil.
Therefore, Atlanticus Holdings's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.09.
The historical rank and industry rank for Atlanticus Holdings's Equity-to-Asset or its related term are showing as below:
ATLC'
s Equity-to-Asset Range Over the Past 10 Years
Min: -0.1 Med: 0.09 Max: 0.18
Current: 0.09
During the past 13 years, the highest Equity to Asset Ratio of Atlanticus Holdings was 0.18. The lowest was -0.10. And the median was 0.09.
ATLC's Equity-to-Asset is ranked worse than 90.91% of 550
companies
in the Credit Services industry
Industry Median: 0.4
vs ATLC: 0.09
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Atlanticus Holdings Equity-to-Asset Related Terms
Atlanticus Holdings Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Atlanticus Holdings's Equity-to-Asset 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.
ATLC vs QFIN, JCAP, LU: Equity-to-Asset Comparison
For the Credit Services subindustry, Atlanticus Holdings's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Atlanticus Holdings's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Atlanticus Holdings's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Atlanticus Holdings's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.09 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Atlanticus Holdings and its competitors. This is near median its historical median of 0.09. According to the industry distribution chart, Atlanticus Holdings ranks #500 out of 550 companies in the Credit Services industry, placing it in the top 90.9%.
Is Atlanticus Holdings' Equity-to-Asset too high?
Atlanticus Holdings' current Equity-to-Asset of 0.09 is near median its 10-year median of 0.09. The Credit Services industry median Equity-to-Asset is 0.40. Atlanticus Holdings' value of 0.09 is 77.5% below this industry median. Based on the distribution chart, Atlanticus Holdings ranks #500 out of 550 companies in the Credit Services industry, which is in the bottom quartile relative to peers. 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' Equity-to-Asset compare to QFIN and JCAP?
According to the Credit Services industry distribution chart, Atlanticus Holdings ranks #500 out of 550 companies for Equity-to-Asset. This places Atlanticus Holdings in the lower half of its industry. The industry median Equity-to-Asset is 0.40. Atlanticus Holdings' value of 0.09 is 77.5% below this benchmark. While the company's 10-year median is 0.09 vs. the industry median of 0.40, 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 Equity-to-Asset for a Credit Services company?
The median Equity-to-Asset among Credit Services companies is 0.40, based on 550 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Atlanticus Holdings's current Equity-to-Asset of 0.09 is 77.5% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Atlanticus Holdings and its competitors. For the Credit Services industry, the median Equity-to-Asset is 0.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Atlanticus Holdings's current Equity-to-Asset is 0.09, which is near median its own 10-year median of 0.09. 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 Equity-to-Asset is 0.09, which is near median its 10-year median of 0.09 and 77.5% below the Credit Services industry median of 0.40. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Atlanticus Holdings (ATLC), the current Equity-to-Asset is 0.09 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 $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:
Equity-to-Asset: 0.09 (near median its 10-year median of 0.09)
GF Value™: $83.05 vs. price of $91.08 (9.7% above fair value)
Industry Position: 77.5% below the Credit Services median (#500 of 550)
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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