Atlanticus Holdings (YCC) AI Stock Analysis
Atlanticus Holdings
(Berlin:YCC)
No summary available
Atlanticus Holdings (YCC) vs. iShares MSCI Germany ETF (EWG)
- Market Cap
- EUR 1.42B
- Dividend Yield
- ―
- Average Volume (3M)
- ―
- Price to Earnings (P/E)
- 9.7
- Beta (1Y)
- 0.45
- Revenue Growth
- 71.48%
- EPS Growth
- 26.67%
- Country
- Germany
- Employees
- 576
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Financial - Credit Services
Atlanticus Holdings Business Overview & Revenue Model
Company Description
Atlanticus Holdings Corporation, operating under the ticker ATLC, is a financial services enterprise providing a spectrum of credit and related financial solutions to consumers throughout the United States. The company's operations are structured int...
Atlanticus Holdings Earnings Call Summary
The call presented strong operational and financial momentum: record revenue, record new customers, substantial receivable growth and a high ROE driven by both Mercury acquisition benefits and organic expansion. Management reported Mercury integration as ahead of plan, achieved favorable funding outcomes (including first AAA ABS rating), and reiterated disciplined credit management. Offsetting positives are material increases in charge-offs and a sizeable negative fair value impact driven by portfolio scale, higher interest expense and higher operating costs tied to growth, plus competitive pressure in direct mail acquisition leading to higher acquisition costs. On balance, the highlights — strong profitability, scalable receivable growth, ahead-of-plan acquisition integration, liquidity and funding achievements — meaningfully outweigh the lowlights, though the elevated charge-offs and rising funding/operating costs are key risks to monitor.
Q2-2026 Updates
Positive Updates
Negative Updates
Company Guidance
Management reiterated guidance to continue to expect earnings growth and returns on equity at or above its long‑term 20% target (Q2 ROE was 28.1%), after reporting net income of $47.4 million ($2.50 per diluted share, +67% YoY) on operating revenue of $744.3 million (+89% YoY) and net margin of $224 million (+83% YoY). They advised delinquency and charge‑off rates may be slightly higher next quarter as newer receivables season and Mercury is included year‑over‑year, noting the current combined principal net charge‑off rate was 17.7% and changes in fair value were negative $396 million (including $433 million in principal and finance charge‑offs); nevertheless they will prioritize vintage‑level profitability and unit economics over volume. Mercury integration is ahead of plan with repricing and synergies outperforming models and tech integration expected to finish by mid‑Q1, while the company points to strong scale and liquidity (managed receivables $6.9 billion, up ~126% YoY; excluding Mercury ~$3.8 billion, +~26% YoY; added a record 790,000 new customers this quarter and >1 million active accounts YoY excluding Mercury; total assets $7.5 billion; cash and restricted cash $645 million; total equity ~ $700 million), continued access to capital markets (first AAA ABS ratings) and disciplined capital allocation.
Atlanticus Holdings Risk Analysis
Atlanticus Holdings disclosed 54 risk factors in its most recent earnings report. Atlanticus Holdings reported the most risks in the "Finance & Corporate" category.
Latest Risks Added
0 New RisksAtlanticus Holdings Peers Comparison
Overall Rating
OPFI74Outperform
ENVA71Outperform
OMF67Neutral
WRLD67Neutral
RM58Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| OPFI | 74Outperform | $478.87M | 2.44 | 38.14% | ― | 5.58% | ― |
| ENVA | 71Outperform | $4.26B | 11.32 | 26.36% | ― | 20.08% | 33.74% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| OMF | 67Neutral | $6.51B | 8.59 | 22.64% | 7.43% | 6.46% | 11.49% |
| WRLD | 67Neutral | $740.12M | 15.07 | 14.16% | ― | 4.63% | ― |
| RM | 58Neutral | $334.90M | 7.08 | 12.61% | 3.31% | 8.41% | 20.27% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| DE:YCC | Atlanticus Holdings Corp | 59.00 | 11.60 | 24.47% | |
| RM | Regional Managment | 36.30 | -2.39 | -6.18% | |
| WRLD | World Acceptance | 164.47 | 31.57 | 23.75% | |
| OMF | OneMain Holdings, Inc. | 56.55 | -0.60 | -1.05% | |
| ENVA | Enova International Inc. | 174.09 | 51.66 | 42.20% | |
| OPFI | Oppfi Inc | 5.62 | -4.43 | -44.08% |
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.