Atlanticus Holdings Corp. (ATLC) Quality Score
Growth remains strong (avg 100/100), but business quality is pulling the composite down (avg 65/100).
Broad-market heuristics · Not a buy/sell signal
Valuation and growth
Valuation
Growth
Under 20x, reasonable relative to earnings
2.0x book, reasonable for a financial
Above 10% CAGR, strong compounder
Above 8% book-value compounding, strong
Business Quality & Capital Allocation
Roughly flat, no meaningful dilution
Above 15%, strong return on equity
9.4% equity/assets, comfortable cushion
Net margin compressed >2pp, profitability pressure
Atlanticus Holdings (ATLC) quality: score, margins and returns
Atlanticus Holdings (ATLC) scores 79/100 on Intrinsiqq's quality score (a solid business), a weighted blend of 8 metrics each scored 0 to 100. Every metric is computed from SEC filings; this is analysis, not investment advice.
Frequently asked
Is Atlanticus Holdings (ATLC) a high-quality business?+
Atlanticus Holdings scores 79 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which rates it a solid business on these measures. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.
What does Atlanticus Holdings's quality score measure?+
Intrinsiqq's quality score weighs profitability, returns on capital, revenue growth, and balance-sheet strength, using measures suited to banks, insurers and other financial companies (where free-cash-flow and operating-margin metrics do not apply), each computed from ATLC's SEC filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where Atlanticus Holdings scores well and where it falls behind.
How profitable is Atlanticus Holdings?+
Atlanticus Holdings runs a net margin of about 21.2%. Revenue has grown at roughly 16.4% a year recently. High, stable margins usually point to pricing power and operating discipline. Margins are most telling next to growth and returns on capital, all of which feed this quality score. This is analysis from SEC filings, not investment advice.
SourceQuality score computed from the 10-Q filed 1 Aug 2026, covering the period ending 30 Jun 2026, as reported to the SEC. Data last refreshed 12 Oct 2026. How this is calculated.
Fiscal year ends Dec. Sector medians are approximate S&P 500 benchmarks and update periodically. Checks use broad-market heuristics, so sector norms may differ, and the valuation checks are more cyclical than the quality checks.
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Spot a number that looks wrong? Check it in ATLC's SEC filings or
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Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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