Atlanticus Holdings Corporation (ATLC) P/E Ratio History
Historical price-to-earnings valuation from 1999 to 2025
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ATLC Valuation Context
How does the current P/E compare to historical and market benchmarks?
P/E Ratio Analysis
As of May 7, 2026, Atlanticus Holdings Corporation (ATLC) trades at a price-to-earnings ratio of 13.1x, with a stock price of $77.82 and trailing twelve-month earnings per share of $6.37.
The current P/E is 72% above its 5-year average of 7.6x. Over the past five years, ATLC's P/E has ranged from a low of 3.7x to a high of 11.7x, placing the current valuation at the 100th percentile of its historical range.
Compared to the Financial Services sector median P/E of 13.4x, ATLC is roughly in line with its sector peers. The sector includes 774 companies with P/E ratios ranging from 0.0x to 195.8x.
The PEG ratio of 1.52 (P/E divided by 25% EPS growth) suggests a fair valuation relative to its earnings growth. Peter Lynch popularized the rule that a PEG below 1.0 indicates an attractive entry point.
Relative to the broader market, ATLC trades at a notable discount to the S&P 500 median P/E of 25.2x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our ATLC DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
ATLC P/E vs Peers
P/E ratio compared to closely matched public peers
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $6B | 14.4 | 1.46 | +89%Best | |
| $7B | 8.5 | 2.17 | +55% | |
| $4B | 14.9 | - | +56% | |
| $751M | 9.1 | 0.26 | +24% | |
| $4B | 6.5Lowest | 0.72 | +29% | |
| $120B | 48.0 | - | -65% | |
| $26B | 8.1 | 0.25Best | +9% | |
| $14B | 18.7 | - | +32% |
Peers sorted by market capitalization. P/E below peers may indicate undervaluation or lower growth expectations. Consider PEG ratio for growth-adjusted comparison.
ATLC Historical P/E Data (1999–2025)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Date | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2025 Q4 | Wed Dec 31 2025 00:00:00 GM | $66.95 | $5.93 | 11.3x | -11% |
| FY2025 Q3 | $58.58 | $5.60 | 10.5x | -18% | |
| FY2025 Q2 | Mon Jun 30 2025 00:00:00 GM | $54.75 | $5.69 | 9.6x | -24% |
| FY2025 Q1 | Mon Mar 31 2025 00:00:00 GM | $51.15 | $5.17 | 9.9x | -22% |
| FY2024 Q4 | $55.78 | $4.77 | 11.7x | -8% | |
| FY2024 Q3 | Mon Sep 30 2024 00:00:00 GM | $35.08 | $4.45 | 7.9x | -38% |
| FY2024 Q2 | Sun Jun 30 2024 00:00:00 GM | $28.18 | $4.21 | 6.7x | -47% |
| FY2024 Q1 | Sun Mar 31 2024 00:00:00 GM | $29.59 | $4.54 | 6.5x | -49% |
| FY2023 Q4 | Sun Dec 31 2023 00:00:00 GM | $38.67 | $4.50 | 8.6x | -32% |
| FY2023 Q3 | Sat Sep 30 2023 00:00:00 GM | $30.31 | $4.38 | 6.9x | -46% |
| FY2023 Q2 | Fri Jun 30 2023 00:00:00 GM | $42.01 | $4.73 | 8.9x | -30% |
| FY2023 Q1 | Fri Mar 31 2023 00:00:00 GM | $27.13 | $4.84 | 5.6x | -56% |
Average P/E for displayed period: 12.7x
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Start ComparisonATLC — Frequently Asked Questions
Quick answers to the most common questions about buying ATLC stock.
Is ATLC stock overvalued or undervalued?
ATLC trades at 13.1x P/E, above its 5-year average of 7.6x. The 100th percentile ranking indicates a premium to historical valuation.
How does ATLC's valuation compare to peers?
Atlanticus Holdings Corporation P/E of 13.1x compares to sector median of 13.4x. The discount suggests lower growth expectations or higher risk.
What is ATLC's PEG ratio?
ATLC PEG ratio is 1.52. Between 1-2 suggests valuation aligns with growth. Historical P/E data spans 1999-2025.