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Atlanticus HoldingsATLC -2.49%62 ROA % is 2.34% as of Mar. 2026, which is 35% below its 10-year median of 3.60. GuruFocus rates ATLC with a GF Score™ of 62/100 and a GF Value™ of $212.64 (Significantly Undervalued). The stock has 7 warning signs investors should review. Among 546 Credit Services companies, Atlanticus Holdings ranks better than 55.31% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Atlanticus Holdings's annualizedNet Income for the quarter that ended in Mar. 2026 was $176.7 Mil.
Atlanticus Holdings's average Total Assets over the quarter that ended in Mar. 2026 was $7,544.1 Mil. Therefore, Atlanticus Holdings's annualized ROA % for the quarter that ended in Mar. 2026 was 2.34%.
The historical rank and industry rank for Atlanticus Holdings's ROA % or its related term are showing as below:
ATLC'
s ROA % 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 ROA % was 11.29%. The lowest was -10.35%. And the median was 3.60%.
ATLC's ROA % is ranked better than 55.31% of 546
companies
in the Credit Services industry
Industry Median: 1.93
vs ATLC: 2.32
Atlanticus Holdings (NAS:ATLC) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % 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 ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Atlanticus Holdings ROA % Related Terms
Atlanticus Holdings ROA % Historical Data
* Premium members only.
The historical data trend for Atlanticus Holdings's ROA % 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 the Credit Services subindustry, Atlanticus Holdings's ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Atlanticus Holdings's ROA % distribution charts can be found below:
* The bar in red indicates where Atlanticus Holdings's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Atlanticus Holdings (ATLC) has a ROA % of 2.34% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Atlanticus Holdings and its competitors. This is 35% below median its historical median of 3.60. According to the industry distribution chart, Atlanticus Holdings ranks #244 out of 546 companies in the Credit Services industry, placing it in the top 44.7%.
Is Atlanticus Holdings' ROA % too high?
Atlanticus Holdings' current ROA % of 2.34% is 35% below median its 10-year median of 3.60. The Credit Services industry median ROA % is 1.93. Atlanticus Holdings' value of 2.34% is 21.2% above this industry median. Based on the distribution chart, Atlanticus Holdings ranks #244 out of 546 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 Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Atlanticus Holdings' ROA % compare to QFIN and ECPG?
According to the Credit Services industry distribution chart, Atlanticus Holdings ranks #244 out of 546 companies for ROA %. This puts Atlanticus Holdings in the upper half of its industry. The industry median ROA % is 1.93. Atlanticus Holdings' value of 2.34% is 21.2% above this benchmark. While the company's 10-year median is 3.60 vs. the industry median of 1.93, 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 ROA % for a Credit Services company?
The median ROA % among Credit Services companies is 1.93, based on 546 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Atlanticus Holdings's current ROA % of 2.34% is 21.2% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Atlanticus Holdings and its competitors. For the Credit Services industry, the median ROA % is 1.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Atlanticus Holdings's current ROA % is 2.34%, which is 35% 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 Significantly Undervalued. The stock's GF Value™ is $212.64, compared to a current price of $100.46 — trading 52.8% below its estimated fair value. The current ROA % is 2.34%, which is 35% below median its 10-year median of 3.60 and 21.2% above the Credit Services industry median of 1.93. Atlanticus Holdings' overall GF Score™ is 62/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For Atlanticus Holdings (ATLC), the current ROA % is 2.34% as of Mar. 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 undervalued.
The current stock price of $100.46 is trading 52.8% below its estimated GF Value™ of $212.64.
GuruFocus considers Atlanticus Holdings to be Significantly Undervalued.
Key valuation signals for ATLC:
ROA %: 2.34% (35% below median its 10-year median of 3.60)
GF Value™: $212.64 vs. price of $100.46 (52.8% below fair value)
Industry Position: 21.2% above the Credit Services median (#244 of 546)
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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