Part of the financial services sector, Atlanticus Holdings Corporation (ATLC) is listed under Credit Services. Valued at $1.52B, ATLC is a small-cap name in its sector. The company operates in two segments, Credit as a Service (CaaS) and Auto Finance.
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The company holds $651.1M in cash, though total debt stands at $6.35B. This level of leverage is common in the industry but worth monitoring as interest rate conditions evolve. Return on equity stands at 21.4%, which is strong for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 2.5% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $292.6M (2022) to $402.6M (2025), reflecting a 38% increase over the period.
Atlanticus Holdings Corporation's elevated beta suggests the stock experiences more pronounced price movements than the overall market, which increases both upside potential and downside risk. Debt significantly exceeds cash reserves, which means the company's financial flexibility could be constrained during economic downturns. No single metric tells the full story. Reviewing ATLC's risk profile alongside its fundamentals and technical indicators provides a more complete picture.