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Atlanticus HoldingsATLC -0.77%62 Intrinsic Value: Projected FCF is $382.11 as of Sep. 09, 2026. 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 306 Credit Services companies, Atlanticus Holdings ranks better than 78.1% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
As of today (2026-09-09), Atlanticus Holdings's Intrinsic Value: Projected FCF is $382.11. The stock price of Atlanticus Holdings is $93.00. Therefore, Atlanticus Holdings's Price-to-Intrinsic-Value-Projected-FCF of today is 0.2.
The historical rank and industry rank for Atlanticus Holdings's Intrinsic Value: Projected FCF or its related term are showing as below:
ATLC'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.15 Med: 0.32 Max: 2.07
Current: 0.24
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Atlanticus Holdings was 2.07. The lowest was 0.15. And the median was 0.32.
ATLC's Price-to-Projected-FCF is ranked better than 78.1% of 306
companies
in the Credit Services industry
Industry Median: 0.71
vs ATLC: 0.24
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Atlanticus Holdings's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
93.00
/
382.1100104876
=
0.24
* 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 Intrinsic Value: Projected FCF Related Terms
Atlanticus Holdings Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for Atlanticus Holdings's Intrinsic Value: Projected FCF 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 JCAP, LU, QFIN: Intrinsic Value: Projected FCF Comparison
For the Credit Services subindustry, Atlanticus Holdings's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-FCF 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 Price-to-Projected-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Atlanticus Holdings's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Atlanticus Holdings's Price-to-Projected-FCF falls into.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of $382.11 mean?
Atlanticus Holdings (ATLC) has a Intrinsic Value: Projected FCF of $382.11 as of Sep. 09, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Atlanticus Holdings and its competitors. According to the industry distribution chart, Atlanticus Holdings ranks #67 out of 306 companies in the Credit Services industry, placing it in the top 21.9%.
Is Atlanticus Holdings' Intrinsic Value: Projected FCF too high?
Atlanticus Holdings' current Intrinsic Value: Projected FCF is $382.11. The Credit Services industry median Intrinsic Value: Projected FCF is 0.71. Atlanticus Holdings' value of $382.11 is 53718.3% above this industry median. Based on the distribution chart, Atlanticus Holdings ranks #67 out of 306 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' Intrinsic Value: Projected FCF compare to JCAP and LU?
According to the Credit Services industry distribution chart, Atlanticus Holdings ranks #67 out of 306 companies for Intrinsic Value: Projected FCF. This places Atlanticus Holdings in the top 22% of its industry — outperforming the majority of peers. The industry median Intrinsic Value: Projected FCF is 0.71. Atlanticus Holdings' value of $382.11 is 53718.3% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for a Credit Services company?
The median Intrinsic Value: Projected FCF among Credit Services companies is 0.71, based on 306 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Atlanticus Holdings's current Intrinsic Value: Projected FCF of $382.11 is 53718.3% 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Atlanticus Holdings and its competitors. For the Credit Services industry, the median Intrinsic Value: Projected FCF is 0.71 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Atlanticus Holdings's current Intrinsic Value: Projected FCF is $382.11. 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 $93.00 — trading 58.7% below its estimated fair value. The current Intrinsic Value: Projected FCF is $382.11 and 53718.3% above the Credit Services industry median of 0.71. 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 Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Atlanticus Holdings (ATLC), the current Intrinsic Value: Projected FCF is $382.11 as of Sep. 09, 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 $93.00 is trading 58.7% below its estimated GF Value™ of $225.18.
GuruFocus considers Atlanticus Holdings to be Significantly Undervalued.
Key valuation signals for ATLC:
Intrinsic Value: Projected FCF: $382.11
GF Value™: $225.18 vs. price of $93.00 (58.7% below fair value)
Industry Position: 53718.3% above the Credit Services median (#67 of 306)
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
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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