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Atlanticus HoldingsATLC -2.10%62 Return-on-Tangible-Equity is 30.66% as of Jun. 2026, which is 7% above its 10-year median of 28.53. 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 529 Credit Services companies, Atlanticus Holdings ranks better than 88.47% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Atlanticus Holdings's annualized net income for the quarter that ended in Jun. 2026 was $198.9 Mil. Atlanticus Holdings's average shareholder tangible equity for the quarter that ended in Jun. 2026 was $648.7 Mil. Therefore, Atlanticus Holdings's annualized Return-on-Tangible-Equity for the quarter that ended in Jun. 2026 was 30.66%.
The historical rank and industry rank for Atlanticus Holdings's Return-on-Tangible-Equity or its related term are showing as below:
ATLC'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -75.66 Med: 28.53 Max: 240.75
Current: 25.7
During the past 13 years, Atlanticus Holdings's highest Return-on-Tangible-Equity was 240.75%. The lowest was -75.66%. And the median was 28.53%.
ATLC's Return-on-Tangible-Equity is ranked better than 88.47% of 529
companies
in the Credit Services industry
Industry Median: 7.22
vs ATLC: 25.70
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Atlanticus Holdings Return-on-Tangible-Equity Related Terms
Atlanticus Holdings Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Atlanticus Holdings's Return-on-Tangible-Equity 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-Equity Comparison
For the Credit Services subindustry, Atlanticus Holdings's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Atlanticus Holdings's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Atlanticus Holdings's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 30.66% mean?
Atlanticus Holdings (ATLC) has a Return-on-Tangible-Equity of 30.66% as of Jun. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Atlanticus Holdings and its competitors. This is near median its historical median of 28.53. According to the industry distribution chart, Atlanticus Holdings ranks #61 out of 529 companies in the Credit Services industry, placing it in the top 11.5%.
Is Atlanticus Holdings' Return-on-Tangible-Equity too high?
Atlanticus Holdings' current Return-on-Tangible-Equity of 30.66% is near median its 10-year median of 28.53. The Credit Services industry median Return-on-Tangible-Equity is 7.22. Atlanticus Holdings' value of 30.66% is 324.7% above this industry median. Based on the distribution chart, Atlanticus Holdings ranks #61 out of 529 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 Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Atlanticus Holdings' Return-on-Tangible-Equity compare to QFIN and JCAP?
According to the Credit Services industry distribution chart, Atlanticus Holdings ranks #61 out of 529 companies for Return-on-Tangible-Equity. This places Atlanticus Holdings in the top 12% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 7.22. Atlanticus Holdings' value of 30.66% is 324.7% above this benchmark. While the company's 10-year median is 28.53 vs. the industry median of 7.22, 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-Equity for a Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.22, based on 529 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Atlanticus Holdings's current Return-on-Tangible-Equity of 30.66% is 324.7% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Atlanticus Holdings and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Atlanticus Holdings's current Return-on-Tangible-Equity is 30.66%, which is near median its own 10-year median of 28.53. 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-Equity is 30.66%, which is near median its 10-year median of 28.53 and 324.7% above the Credit Services industry median of 7.22. 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Atlanticus Holdings (ATLC), the current Return-on-Tangible-Equity is 30.66% 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-Equity: 30.66% (near median its 10-year median of 28.53)
GF Value™: $83.05 vs. price of $91.08 (9.7% above fair value)
Industry Position: 324.7% above the Credit Services median (#61 of 529)
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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