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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Atlanticus Holdings has the Financial Strength Rank of 2. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.
Warning Sign:
Atlanticus Holdings Corp displays poor financial strength. Usually, this is caused by too much debt for the company.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.
A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
GuruFocus does not calculate Atlanticus Holdings's interest coverage with the available data.
Atlanticus Holdings's debt to revenue ratio for the quarter that ended in Jun. 2026 was 9.44.
Altman Z-Score does not apply to banks and insurance companies.
The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
Atlanticus Holdings has the Financial Strength Rank of 2. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.
Atlanticus Holdings Financial Strength Related Terms
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* 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 Financial Strength of 2 as of Jun. 2026. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Atlanticus Holdings and its competitors. This is 33% below median its historical median of 3.00. Over the past decade, Atlanticus Holdings' Financial Strength has ranged from 2.00 to 5.00.
Is Atlanticus Holdings' Financial Strength too high?
Atlanticus Holdings' current Financial Strength of 2 is 33% below median its 10-year median of 3.00. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 5.00. 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' Financial Strength compare to QFIN and JCAP?
Atlanticus Holdings' Financial Strength of 2 can be compared against companies in the Credit Services industry. Historically, Atlanticus Holdings' own Financial Strength has ranged from 2.00 to 5.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Financial Strength for a Credit Services company?
A good Financial Strength depends on the Credit Services industry context. However, Financial Strength 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 Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Atlanticus Holdings and its competitors. Atlanticus Holdings's current Financial Strength is 2, which is 33% below median its own 10-year median of 3.00. 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 Financial Strength is 2, which is 33% below median its 10-year median of 3.00. 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 Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For Atlanticus Holdings (ATLC), the current Financial Strength is 2 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:
Financial Strength: 2 (33% below median its 10-year median of 3.00)
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
Get the complete analysis for ATLC
Financial Strength is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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