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Atlanticus HoldingsATLC -2.10%62 Return-on-Tangible-Asset is 2.67% as of Jun. 2026, which is 26% below its 10-year median of 3.60. 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 549 Credit Services companies, Atlanticus Holdings ranks better than 53.73% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Atlanticus Holdings's annualizedNet Income for the quarter that ended in Jun. 2026 was $198.9 Mil. Atlanticus Holdings's average total tangible assets for the quarter that ended in Jun. 2026 was $7,452.0 Mil. Therefore, Atlanticus Holdings's annualized Return-on-Tangible-Asset for the quarter that ended in Jun. 2026 was 2.67%.
The historical rank and industry rank for Atlanticus Holdings's Return-on-Tangible-Asset or its related term are showing as below:
ATLC'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -10.35 Med: 3.6 Max: 11.29
Current: 2.32
During the past 13 years, Atlanticus Holdings's highest Return-on-Tangible-Asset was 11.29%. The lowest was -10.35%. And the median was 3.60%.
ATLC's Return-on-Tangible-Asset is ranked better than 53.73% of 549
companies
in the Credit Services industry
Industry Median: 2.04
vs ATLC: 2.32
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Atlanticus Holdings Return-on-Tangible-Asset Related Terms
Atlanticus Holdings Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Atlanticus Holdings's Return-on-Tangible-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: Return-on-Tangible-Asset Comparison
For the Credit Services subindustry, Atlanticus Holdings's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-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 Return-on-Tangible-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Atlanticus Holdings's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Atlanticus Holdings's Return-on-Tangible-Asset falls into.
* 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Jun. 2026) net income data.
What does a Return-on-Tangible-Asset of 2.67% mean?
Atlanticus Holdings (ATLC) has a Return-on-Tangible-Asset of 2.67% as of Jun. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Atlanticus Holdings and its competitors. This is 26% below median its historical median of 3.60. According to the industry distribution chart, Atlanticus Holdings ranks #254 out of 549 companies in the Credit Services industry, placing it in the top 46.3%.
Is Atlanticus Holdings' Return-on-Tangible-Asset too high?
Atlanticus Holdings' current Return-on-Tangible-Asset of 2.67% is 26% below median its 10-year median of 3.60. The Credit Services industry median Return-on-Tangible-Asset is 2.04. Atlanticus Holdings' value of 2.67% is 30.9% above this industry median. Based on the distribution chart, Atlanticus Holdings ranks #254 out of 549 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' Return-on-Tangible-Asset compare to QFIN and JCAP?
According to the Credit Services industry distribution chart, Atlanticus Holdings ranks #254 out of 549 companies for Return-on-Tangible-Asset. This puts Atlanticus Holdings in the upper half of its industry. The industry median Return-on-Tangible-Asset is 2.04. Atlanticus Holdings' value of 2.67% is 30.9% above this benchmark. While the company's 10-year median is 3.60 vs. the industry median of 2.04, Atlanticus Holdings has consistently been above 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 Return-on-Tangible-Asset for a Credit Services company?
The median Return-on-Tangible-Asset among Credit Services companies is 2.04, based on 549 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Atlanticus Holdings's current Return-on-Tangible-Asset of 2.67% is 30.9% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Atlanticus Holdings and its competitors. For the Credit Services industry, the median Return-on-Tangible-Asset is 2.04 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Atlanticus Holdings's current Return-on-Tangible-Asset is 2.67%, which is 26% below median its own 10-year median of 3.60. 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 Return-on-Tangible-Asset is 2.67%, which is 26% below median its 10-year median of 3.60 and 30.9% above the Credit Services industry median of 2.04. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Atlanticus Holdings (ATLC), the current Return-on-Tangible-Asset is 2.67% 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:
Return-on-Tangible-Asset: 2.67% (26% below median its 10-year median of 3.60)
GF Value™: $83.05 vs. price of $91.08 (9.7% above fair value)
Industry Position: 30.9% above the Credit Services median (#254 of 549)
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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