ATLC (Atlanticus Holdings) ROC %: % (As of Jun. 2026)

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Founder & CEO of GuruFocus
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.

ATLC Atlanticus Holdings Corp ATLC
62 GF Score
Price $91.08
GF Value $83.05
Valuation Fairly Valued
! 3 Warning Signs
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What is Atlanticus Holdings ROC %?

Atlanticus Holdings ATLC -2.10% 62 ROC % is % as of Jun. 2026. 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.

ROC %does not apply to banks.

ATLC
62GF Score
Atlanticus Holdings Corp ATLC
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
Atlanticus Holdings (ATLC) has a ROC % of % as of Jun. 2026. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Atlanticus Holdings and its competitors.
Is Atlanticus Holdings' ROC % too high?
Atlanticus Holdings' current ROC % is %. 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' ROC % compare to QFIN and JCAP?
Atlanticus Holdings' ROC % of % can be compared against companies in the Credit Services industry. The industry median ROC % is 2.22. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Credit Services company?
The median ROC % among Credit Services companies is 2.22, based on 424 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 ROC % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Atlanticus Holdings and its competitors. For the Credit Services industry, the median ROC % is 2.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Atlanticus Holdings's current ROC % is %. 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 ROC % is %. 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 ROC % calculated?
ROC % is calculated from a company's financial statements. For Atlanticus Holdings (ATLC), the current ROC % is % 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:

  • ROC %: %
  • GF Value™: $83.05 vs. price of $91.08 (9.7% above fair value)
  • GF Score™: 62/100 with 3 warning signs

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 Business Description

Address Five Concourse Parkway, Suite 300, Atlanta, GA, USA, 30328
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

ROC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$91.08
Price
$83.05
GF Value