Atlanticus Holdings Corporation (ATLC)vsVisa Inc. Class A (V)
ATLC
Atlanticus Holdings Corporation
$84.10
+2.29%
FINANCIAL SERVICES · Cap: $1.15B
V
Visa Inc. Class A
$323.57
+0.50%
FINANCIAL SERVICES · Cap: $603.46B
Smart Verdict
WallStSmart Research — data-driven comparison
Visa Inc. Class A generates 6742% more annual revenue ($43.03B vs $628.89M). V leads profitability with a 51.7% profit margin vs 21.4%. ATLC trades at a lower P/E of 11.5x. ATLC earns a higher WallStSmart Score of 76/100 (B+).
ATLC
Strong Buy76
out of 100
Grade: B+
V
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Strong operational efficiency at 31.0%
Revenue surging 60.8% year-over-year
Earnings expanding 50.2% YoY
Keeps 21 of every $100 in revenue as profit
Reasonable price relative to book value
Mega-cap, among the largest globally
Every $100 of equity generates 62 in profit
Keeps 52 of every $100 in revenue as profit
Strong operational efficiency at 67.3%
17.1% revenue growth
Earnings expanding 35.5% YoY
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Distress zone — elevated risk
Elevated debt levels
Moderate valuation
Trading at 17.4x book value
Grey zone — moderate risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ATLC
The strongest argument for ATLC centers on P/E Ratio, Operating Margin, Revenue Growth. Profitability is solid with margins at 21.4% and operating margin at 31.0%. Revenue growth of 60.8% demonstrates continued momentum.
Bull Case : V
The strongest argument for V centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 51.7% and operating margin at 67.3%. Revenue growth of 17.1% demonstrates continued momentum.
Bear Case : ATLC
The primary concerns for ATLC are Market Cap, Piotroski F-Score, Altman Z-Score. Debt-to-equity of 9.23 is elevated, increasing financial risk.
Bear Case : V
The primary concerns for V are P/E Ratio, Price/Book, Altman Z-Score.
Key Dynamics to Monitor
ATLC carries more volatility with a beta of 2.15 — expect wider price swings.
ATLC is growing revenue faster at 60.8% — sustainability is the question.
V generates stronger free cash flow (2.6B), providing more financial flexibility.
Monitor CREDIT SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ATLC scores higher overall (76/100 vs 74/100), backed by strong 21.4% margins and 60.8% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Atlanticus Holdings Corporation
FINANCIAL SERVICES · CREDIT SERVICES · USA
Atlanticus Holdings Corporation provides credit and related financial products and services to clients in the United States. The company is headquartered in Atlanta, Georgia.
Visit Website →Visa Inc. Class A
FINANCIAL SERVICES · CREDIT SERVICES · USA
Visa Inc. is an American multinational financial services corporation headquartered in Foster City, California, United States. It facilitates electronic funds transfers throughout the world, most commonly through Visa-branded credit cards, debit cards and prepaid cards. Visa is one of the world's most valuable companies.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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