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LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Atlanticus Holdings's long-term debt to total assests ratio for the quarter that ended in Jun. 2026 was 0.84.
Atlanticus Holdings's long-term debt to total assets ratio
increased
from Jun. 2025 (0.77) to Jun. 2026 (0.84).
It may suggest that Atlanticus Holdings is progressively becoming more dependent on debt to grow their business.
LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.
Atlanticus Holdings LT-Debt-to-Total-Asset Related Terms
Atlanticus Holdings LT-Debt-to-Total-Asset Historical Data
* Premium members only.
The historical data trend for Atlanticus Holdings's LT-Debt-to-Total-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.
* 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 LT-Debt-to-Total-Asset of 0.84 as of Jun. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Atlanticus Holdings and its competitors.
Is Atlanticus Holdings' LT-Debt-to-Total-Asset too high?
Atlanticus Holdings' current LT-Debt-to-Total-Asset is 0.84. 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' LT-Debt-to-Total-Asset compare to QFIN and JCAP?
Atlanticus Holdings' LT-Debt-to-Total-Asset of 0.84 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good LT-Debt-to-Total-Asset for a Credit Services company?
A good LT-Debt-to-Total-Asset depends on the Credit Services industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Atlanticus Holdings and its competitors. Atlanticus Holdings's current LT-Debt-to-Total-Asset is 0.84. 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 LT-Debt-to-Total-Asset is 0.84. 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 LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Atlanticus Holdings (ATLC), the current LT-Debt-to-Total-Asset is 0.84 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:
LT-Debt-to-Total-Asset: 0.84
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.
68GF Score
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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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