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Atlanticus HoldingsATLC -2.10%68 Shiller PE Ratio is 23.18 as of Aug. 29, 2026, which is 16% above its 10-year median of 19.97. GuruFocus rates ATLC with a GF Score™ of 68/100 and a GF Value™ of $83.05 (Fairly Valued). The stock has 3 warning signs investors should review. Among 335 Credit Services companies, Atlanticus Holdings ranks worse than 65.67% on this metric.
The historical rank and industry rank for Atlanticus Holdings's Shiller PE Ratio or its related term are showing as below:
ATLC'
s Shiller PE Ratio Range Over the Past 10 Years
Min: 9.55 Med: 19.97 Max: 89
Current: 23.16
During the past years, Atlanticus Holdings's highest Shiller PE Ratio was 89.00. The lowest was 9.55. And the median was 19.97.
ATLC's Shiller PE Ratio is ranked worse than 65.67% of 335
companies
in the Credit Services industry
Industry Median: 14.16
vs ATLC: 23.16
E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.
Atlanticus Holdings's adjusted earnings per share data for the three months ended in Jun. 2026 was $2.500. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is $3.93 for the trailing ten years ended in Jun. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
Atlanticus Holdings (NAS:ATLC) Shiller PE Ratio Explanation
Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.
Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.
Be Aware
Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.
Atlanticus Holdings Shiller PE Ratio Related Terms
Atlanticus Holdings Shiller PE Ratio Historical Data
* Premium members only.
The historical data trend for Atlanticus Holdings's Shiller PE Ratio 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: Shiller PE Ratio Comparison
For the Credit Services subindustry, Atlanticus Holdings's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Atlanticus Holdings's Shiller PE Ratio distribution charts can be found below:
* The bar in red indicates where Atlanticus Holdings's Shiller PE Ratio falls into.
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual 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.
Add all the adjusted EPS together and divide 10 will get our E10.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
Atlanticus Holdings (ATLC) has a Shiller PE Ratio of 23.18 as of Aug. 29, 2026. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Atlanticus Holdings and its competitors. This is 16% above median its historical median of 19.97. Over the past decade, Atlanticus Holdings' Shiller PE Ratio has ranged from 9.55 to 89.00. According to the industry distribution chart, Atlanticus Holdings ranks #220 out of 335 companies in the Credit Services industry, placing it in the top 65.7%.
Is Atlanticus Holdings' Shiller PE Ratio too high?
Atlanticus Holdings' current Shiller PE Ratio of 23.18 is 16% above median its 10-year median of 19.97. Over the past 10 years, this metric has ranged from a low of 9.55 to a high of 89.00. The Credit Services industry median Shiller PE Ratio is 14.16. Atlanticus Holdings' value of 23.18 is 63.7% above this industry median. Based on the distribution chart, Atlanticus Holdings ranks #220 out of 335 companies in the Credit Services industry, which is below the industry midpoint. Overall, Atlanticus Holdings has a GF Score™ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Atlanticus Holdings' Shiller PE Ratio compare to QFIN and JCAP?
According to the Credit Services industry distribution chart, Atlanticus Holdings ranks #220 out of 335 companies for Shiller PE Ratio. This places Atlanticus Holdings in the lower half of its industry. The industry median Shiller PE Ratio is 14.16. Atlanticus Holdings' value of 23.18 is 63.7% above this benchmark. Historically, Atlanticus Holdings' own Shiller PE Ratio has ranged from 9.55 to 89.00 over the past decade. While the company's 10-year median is 19.97 vs. the industry median of 14.16, 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 Shiller PE Ratio for a Credit Services company?
The median Shiller PE Ratio among Credit Services companies is 14.16, based on 335 companies in the industry. Companies in the top quartile (top 25%) have a Shiller PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Shiller PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Atlanticus Holdings's current Shiller PE Ratio of 23.18 is 63.7% 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 Shiller PE Ratio mean?
A high Shiller PE Ratio can signal that a stock is expensive relative to its fundamentals. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Atlanticus Holdings and its competitors. For the Credit Services industry, the median Shiller PE Ratio is 14.16 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Atlanticus Holdings's current Shiller PE Ratio is 23.18, which is 16% above median its own 10-year median of 19.97. 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 Shiller PE Ratio is 23.18, which is 16% above median its 10-year median of 19.97 and 63.7% above the Credit Services industry median of 14.16. Atlanticus Holdings' overall GF Score™ is 68/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Shiller PE Ratio calculated?
Shiller PE Ratio is calculated from a company's financial statements. For Atlanticus Holdings (ATLC), the current Shiller PE Ratio is 23.18 as of Aug. 29, 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:
Shiller PE Ratio: 23.18 (16% above median its 10-year median of 19.97)
GF Value™: $83.05 vs. price of $91.08 (9.7% above fair value)
Industry Position: 63.7% above the Credit Services median (#220 of 335)
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.
68GF Score
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Shiller PE Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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