ATLC — Stock Film
STOCK FILMSCENE 1/11ATLC · $81.61
Stock Expert AI presents
ATLC
Atlanticus Holdings Corporation
~4 min film100% real numbers0 jargon
WHAT DOES THIS COMPANY DO?
Atlanticus Holdings Corporation. A quick introduction.

On the stock market since 1999, it operates in the world of money and finance. It has 417 employees. Now — the numbers.

on the stock market since 1999
417 employees
$1.2B market value
Revenue last year:
$0
The net profit left over:
$0
Out of every $100 in sales, $17 stays as net profit.
THE SLICE THAT TURNS INTO PROFIT: 17%

This is an established company with proven profits.

WHERE DOES THE MONEY COME FROM?
64%Merchant Fees
Merchant Fees 64%Other Revenue 36%
64% of all revenue comes from a single line: Merchant Fees.

That much dependence is a risk in itself: if this one line weakens, the whole company feels it directly.

THE SALES TREND
Sales are growing overall, with a pause along the way.

Average growth of 12% a year over the last 4 years. Every year shown ended in profit.

$453.9M
2021
$374.4M
2022
$365.7M
2023
$459.6M
2024
$704.5M
2025
INSIDE THE REPORT CARD

We compared this company with its own sector across five subjects.

A score of 50 means class average.

BUSINESS QUALITY
91
very strong

Profit power and business quality lead the class.

FINANCIAL STRENGTH
4
very weak

For a bank, strength is measured by capital buffers and reserves — not cash minus debt.

VALUATION
80
very strong

The price looks reasonable next to what the company earns.

GROWTH
92
very strong

Sales are growing strongly for its sector.

PRICE MOMENTUM
97
very strong

The stock has been running stronger than the market lately.

WORTH WATCHING

Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.

THE COUNCIL REVIEW
9

angles, checked one by one.

The 2 that stand out are on screen; the rest came back neutral.

The council scores out of 10; report-card grades are out of 100.

STRENGTHS
Sales are growing fast8/10
Few are betting against it10/10
THE FIVE-YEAR JOURNEY
Below the peak, but no collapse.

The stock trades 26% below its peak. The market has trimmed its expectations for the company.

1
THE BRIGHT SIDE · 1/3
A fat profit margin

The net profit margin is 17% — the profit kept from each dollar of revenue is the company’s cushion in hard quarters.

2
THE BRIGHT SIDE · 2/3
Sales keep climbing

Over the last 3 years, sales grew about 23% a year on average.

3
THE BRIGHT SIDE · 3/3
Delivers on expectations

It met or beat analyst expectations in 8 of the last 8 quarters — consistency is a promise kept.

1
THE RISKS · 1/2
A wildly swinging price

This stock swings about 2.2 times as much as the market average. Big rallies — and big drops — can both happen fast.

2
THE RISKS · 2/2
A thin financial cushion

The balance sheet offers little cushion against a rough stretch. Report-card grade: 4/100.

FINALE · THE GRADE
A
0 / 100 · MoonshotScore

On our five-subject report card, ATLC sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”

The takeaway: ATLC is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.

The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.

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This was a film — not investment advice.
Data: FMP & company filings
Jul 24, 2026 · stockexpertai.com · Stock Film