(ATLC) Atlanticus Holdings - Ratings and Ratios

Atlanticus Holdings Corporation (NASDAQ:ATLC), a financial technology company established in 1996 and headquartered in Atlanta, Georgia, specializes in providing innovative financial solutions. The company operates through two primary segments: Credit as a Service (CaaS) and Auto Finance. The CaaS segment offers tailored credit products, targeting non-prime consumers across various industries such as healthcare, consumer electronics, and home improvement. This segment utilizes brands like Fortiva and Curae to deliver private label and general-purpose credit cards through partnerships with retailers and financial institutions. Additionally, it provides loan servicing and invests in emerging financial products. The Auto Finance segment focuses on the buy-here, pay-here used car market, offering loans and floor plan financing, which cater to independent dealers and automotive finance companies.

From a technical standpoint, ATLCs stock is in an uptrend, with prices above the 20, 50, and 200-day moving averages, supported by moderate volume. The ATR of 3.07 indicates manageable volatility. Fundamentally, the forward P/E of 7.87 signals expected earnings growth, while the ROE of 22.34% underscores strong profitability. This combination suggests potential stock appreciation, driven by expanding market share in niche sectors like non-prime credit and the buy-here, pay-here auto market. The companys strategic partnerships and efficient operations position it well for sustained growth.