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Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year. Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years. If 5-Year Growth Rate is greater than 25% a year, we use 25. If 5-Year Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
Here, as of today, Atlanticus Holdings's PEG is 1. Atlanticus Holdings's 5-Year TTM Book Value Growth Rate is 25.
Atlanticus Holdings's EPS without NRI for the trailing twelve months (TTM) ended in Jun. 2026 was $5.96. Therefore, the Peter Lynch Fair Value for today is $149.00.
The historical rank and industry rank for Atlanticus Holdings's Peter Lynch Fair Value or its related term are showing as below:
ATLC'
s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.31 Med: 0.41 Max: 0.56
Current: 0.5
During the past 13 years, the highest Price to Peter Lynch Fair Value Ratio of Atlanticus Holdings was 0.56. The lowest was 0.31. And the median was 0.41.
ATLC's Price-to-Peter-Lynch-Fair-Value is ranked better than 59.66% of 176
companies
in the Credit Services industry
Industry Median: 0.65
vs ATLC: 0.50
Note: Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart.
Atlanticus Holdings (NAS:ATLC) Peter Lynch Fair Value Explanation
Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year.
Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years.
Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart. In Peter Lynch chart, a fixed P/E ratio of 15 is used to draw the Earnings Line. Therefore the value reached has a P/E ratio of 15. But in Peter Lynch Fair Value calculation, P/E equals to the growth rate of Book Value per share over the past 5 years, which is 25 instead of 15 in this case.
Atlanticus Holdings's Price to Peter Lynch Fair Value Ratio for today is calculated as
Price to Peter Lynch Fair Value
=
Share Price
/
Peter Lynch Fair Value
=
91.08
/
149.00
=
0.61
* 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 Peter Lynch Fair Value Related Terms
Atlanticus Holdings Peter Lynch Fair Value Historical Data
* Premium members only.
The historical data trend for Atlanticus Holdings's Peter Lynch Fair Value 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: Peter Lynch Fair Value Comparison
For the Credit Services subindustry, Atlanticus Holdings's Price-to-Peter-Lynch-Fair-Value, along with its competitors' market caps and Price-to-Peter-Lynch-Fair-Value 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-Peter-Lynch-Fair-Value vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Atlanticus Holdings's Price-to-Peter-Lynch-Fair-Value distribution charts can be found below:
* The bar in red indicates where Atlanticus Holdings's Price-to-Peter-Lynch-Fair-Value falls into.
Atlanticus Holdings's EPS without NRI for the trailing twelve months (TTM) uses the latest annual data, which was $5.96.
* Note that for companies that do not have enough quarterly data to calculate the 5-Year TTM EBITDA Growth Rate, we use the annual data for the calculation.
* 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.
** Please be aware that the 5-Year TTM Book Value Growth Rate is calculated based on TTM data over the last 5 years. For quarterly reported companies, the TTM data is the latest quarter data. For companies that report semi-annually, annually, or do not have enough quarterly data, GuruFocus uses the annual data as the TTM data.
If 5-Year Earnings Growth Rate is greater than 25% a year, we use 25.
If 5-Year Earnings Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
Please note that we use the 5-year average growth rate of EBITDA per share as the growth rate for non-bank companies, as EBITDA growth is subject to less manipulations than net earnings per share. For banks, we use the 5-year average growth rate of Book Value per share as the growth rate. The reason is that EBITDA is not applicable to Banks and Book value is a relative important measurement for Banks. In the calculation, PEG=1 because Peter Lynch thinks that the fair P/E ratio of the growth stock is equal to its earnings growth rate.
What does a Peter Lynch Fair Value of $149.00 mean?
Atlanticus Holdings (ATLC) has a Peter Lynch Fair Value of $149.00 as of Aug. 29, 2026. Peter Lynch Fair Value is the stock value based on a company's current earnings and five-year earnings growth, assuming a PEG of one. View historical data on Atlanticus Holdings and its competitors. According to the industry distribution chart, Atlanticus Holdings ranks #71 out of 176 companies in the Credit Services industry, placing it in the top 40.3%.
Is Atlanticus Holdings' Peter Lynch Fair Value too high?
Atlanticus Holdings' current Peter Lynch Fair Value is $149.00. The Credit Services industry median Peter Lynch Fair Value is 0.65. Atlanticus Holdings' value of $149.00 is 22823.1% above this industry median. Based on the distribution chart, Atlanticus Holdings ranks #71 out of 176 companies in the Credit Services industry, which is above 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' Peter Lynch Fair Value compare to QFIN and JCAP?
According to the Credit Services industry distribution chart, Atlanticus Holdings ranks #71 out of 176 companies for Peter Lynch Fair Value. This puts Atlanticus Holdings in the upper half of its industry. The industry median Peter Lynch Fair Value is 0.65. Atlanticus Holdings' value of $149.00 is 22823.1% 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 Peter Lynch Fair Value for a Credit Services company?
The median Peter Lynch Fair Value among Credit Services companies is 0.65, based on 176 companies in the industry. Companies in the top quartile (top 25%) have a Peter Lynch Fair Value significantly above this median, while those in the bottom quartile fall well below. However, Peter Lynch Fair Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Atlanticus Holdings's current Peter Lynch Fair Value of $149.00 is 22823.1% 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 Peter Lynch Fair Value mean?
A high Peter Lynch Fair Value can signal that a stock is expensive relative to its fundamentals. Peter Lynch Fair Value is the stock value based on a company's current earnings and five-year earnings growth, assuming a PEG of one. View historical data on Atlanticus Holdings and its competitors. For the Credit Services industry, the median Peter Lynch Fair Value is 0.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Atlanticus Holdings's current Peter Lynch Fair Value is $149.00. 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 Peter Lynch Fair Value is $149.00 and 22823.1% above the Credit Services industry median of 0.65. 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 Peter Lynch Fair Value calculated?
Peter Lynch Fair Value is calculated from a company's financial statements. For Atlanticus Holdings (ATLC), the current Peter Lynch Fair Value is $149.00 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:
Peter Lynch Fair Value: $149.00
GF Value™: $83.05 vs. price of $91.08 (9.7% above fair value)
Industry Position: 22823.1% above the Credit Services median (#71 of 176)
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
Peter Lynch Fair Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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