What is ATLCL's Value Score?

Atlanticus Holdings Corporation - 6.125% Senior Notes due 2026 (ATLCL) has a StockPik Value Score of 100 out of 100 — a high score, indicating strong value characteristics across multiple metrics. The Value Score is a composite ranking built from P/E ratio, P/B ratio, Graham Number, ROE, gross margin, debt-to-equity, current ratio, and Piotroski F-Score, calculated from SEC EDGAR annual filing data.

What is ATLCL's Piotroski F-Score?

Atlanticus Holdings Corporation - 6.125% Senior Notes due 2026 (ATLCL) has a Piotroski F-Score of 3 out of 9 — a weak score indicating financial deterioration across multiple criteria. The F-Score assesses nine binary financial criteria across profitability, leverage, and operating efficiency. A score of 7–9 indicates a financially improving company; a score of 0–3 is a warning sign.

Is ATLCL trading below its Graham Number?

ATLCL is currently trading below its Graham Number. The stock price of $25.11 is 75.2% below the Graham Number of $101.27, representing a margin of safety by Benjamin Graham's definition. The Graham Number is calculated as √(22.5 × EPS × Book Value Per Share) and represents Benjamin Graham's ceiling price for a defensive investor.

What is ATLCL's Graham Number?

ATLCL's Graham Number is $101.27, calculated using the Benjamin Graham formula √(22.5 × EPS × Book Value per Share). The Graham Number is an estimate of intrinsic value — the maximum price a defensive investor should pay. At the current price of $25.11, ATLCL is trading 75% below its Graham Number.

What is ATLCL's Piotroski F-Score?

ATLCL's Piotroski F-Score is 3 out of 9, indicating weak financial health and possible deterioration. The Piotroski F-Score evaluates nine criteria across profitability, leverage, and operating efficiency. Scores of 7 or above are considered strong; 3 or below indicate financial weakness.

What is ATLCL's P/E ratio?

ATLCL's trailing P/E ratio is 2.5x — a low earnings multiple, suggesting the stock may be undervalued relative to its earnings. The Financial Services sector average P/E is 18.6x. Compare against other Financial Services stocks in the StockPik screener.

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Atlanticus Holdings Corporation - 6.125% Senior Notes due 2026 (ATLCL)

NASDAQ Small Cap

Financial Services › Personal Credit Institutions

$25.11

Market Cap: $381M

Data as of Jun 30, 2026 (TTM)

Price History

Feb 9, 2026 — Aug 18, 2026

Investment Snapshot

Trading 75% below Graham Number ($101.27) — significant margin of safety
Piotroski F-Score 3/9 — signs of financial weakness
ROE of 21.3% — good return on equity
Revenue growing at 50% annually

Atlanticus Holdings Corporation - 6.125% Senior Notes due 2026 (ATLCL) is a Financial Services company operating in Personal Credit Institutions, listed on the NASDAQ , with a market capitalisation of $381 million . Key value metrics: P/E ratio 2.5, P/B ratio 0.54, Piotroski F-Score 3 out of 9 .

Value Score

100

out of 100

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Key Metrics

P/E Ratio

2.55

P/B Ratio

0.54

EPS

$9.85

Div. Yield

—

PEG Ratio

—

P/S Ratio

—

EV/EBITDA

—

ROE

—

ROA

—

Gross Margin

—

Op. Margin

—

Net Margin

—

Debt/Equity

—

Current Ratio

—

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Current vs 5-Year Average

Based on 5 years of SEC filings

Net Margin

—

↑ +2.1pp avg —

Gross Margin

—

↑ +2.1pp avg —

Operating Margin

—

↑ +2.1pp avg —

Return on Equity

—

↑ +2.1pp avg —

Debt / Equity

—

↑ +2.1pp avg —

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Revenue & Net Income

Profit Margins

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EPS & Free Cash Flow Per Share

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Financial Statements

Metric	FY22	FY23	FY24
Revenue	$X.XB	$X.XB	$X.XB
Gross Profit	$X.XB	$X.XB	$X.XB
Operating Income	$X.XB	$X.XB	$X.XB
Net Income	$X.XB	$X.XB	$X.XB
EBITDA	$X.XB	$X.XB	$X.XB
Total Assets	$X.XB	$X.XB	$X.XB
Total Liabilities	$X.XB	$X.XB	$X.XB

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Data sourced from SEC EDGAR and Polygon.io. Methodology. View more Financial Services stocks →

Atlanticus Holdings Corporation - 6.125% Senior Notes due 2026 — Fundamental Analysis Summary

Atlanticus Holdings Corporation - 6.125% Senior Notes due 2026 (ATLCL) is trading 75% below its Graham Number of $101.27 — a significant margin of safety by Benjamin Graham's standard. The stock carries a low trailing P/E ratio of 2.5x.

On financial health, ATLCL shows a weak Piotroski F-Score of 3/9, a signal of deteriorating financial health, and strong return on equity of 21.3% (sector average: 5.4%), and high leverage with a debt-to-equity ratio of 10.95.

StockPik's composite Value Score for ATLCL is 100/100 — placing it in undervalued territory. The score is built from ten fundamental signals: P/E, P/B, PEG ratio, P/S ratio, return on equity, gross margin, debt-to-equity, current ratio, dividend yield, and Piotroski F-Score.

ATLCL shows revenue growing at 50% year-over-year, with earnings growing at 10%.

Top Value Stocks in Financial Services

Symbol	Name	Price	P/E	Score
ADAM	Adamas Trust, Inc. - Common Stock	$10.12	5.8	100
ACIC	American Coastal Insurance Corporation - Common Stock	$9.86	4.8	100
ATLCP	Atlanticus Holdings Corporation - 7.625% Series B Cumulative Perpetual Preferred Stock, no par value per share	$24.20	2.5	100
ACGLN	Arch Capital Group Ltd. - Depositary Shares, each Representing a 1/1,000th Interest in a 4.550% Non-Cumulative Preferred Share, Series G	$16.27	1.2	100
ACGLO	Arch Capital Group Ltd. - Depositary Shares Each Representing 1/1,000th Interest in a Share of5.45% Non-Cumulative Preferred Shares, Series F	$19.39	1.4	100

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How is the Value Score calculated?

Read our full methodology →

What is the margin of safety?

How to calculate the margin of safety using the Graham Number, and what counts as a good margin of safety →

ATLC — Atlanticus Holdings Corporation - Common Stock

ATLANTIC INTERNATIONAL CORP — ATLN