Atlanticus Holdings Corp Preferred (ATLCP)vsMastercard Inc (MA)
ATLCP
Atlanticus Holdings Corp Preferred
$21.09
+0.62%
FINANCIAL SERVICES · Cap: $619.02M
MA
Mastercard Inc
$660.73
-1.23%
FINANCIAL SERVICES · Cap: $555.82B
Smart Verdict
WallStSmart Research — data-driven comparison
Mastercard Inc generates 4868% more annual revenue ($36.29B vs $730.47M). MA leads profitability with a 46.7% profit margin vs 21.1%. ATLCP trades at a lower P/E of 2.8x. MA earns a higher WallStSmart Score of 70/100 (B).
ATLCP
Buy57
out of 100
Grade: C
MA
Strong Buy70
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Revenue surging 83.3% year-over-year
Earnings expanding 66.0% YoY
Every $100 of equity generates 28 in profit
Keeps 21 of every $100 in revenue as profit
Mega-cap, among the largest globally
Every $100 of equity generates 251 in profit
Keeps 47 of every $100 in revenue as profit
Strong operational efficiency at 60.5%
Safe zone — low bankruptcy risk
Earnings expanding 21.7% YoY
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Negative free cash flow — burning cash
Distress zone — elevated risk
Expensive relative to growth rate
Premium valuation, high expectations priced in
Trading at 85.4x book value
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : ATLCP
The strongest argument for ATLCP centers on P/E Ratio, Price/Book, Revenue Growth. Profitability is solid with margins at 21.1% and operating margin at 29.5%. Revenue growth of 83.3% demonstrates continued momentum.
Bull Case : MA
The strongest argument for MA centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 46.7% and operating margin at 60.5%. Revenue growth of 14.0% demonstrates continued momentum.
Bear Case : ATLCP
The primary concerns for ATLCP are Market Cap, Piotroski F-Score, Free Cash Flow. Debt-to-equity of 7.11 is elevated, increasing financial risk.
Bear Case : MA
The primary concerns for MA are PEG Ratio, P/E Ratio, Price/Book. Debt-to-equity of 3.54 is elevated, increasing financial risk.
Key Dynamics to Monitor
ATLCP profiles as a growth stock while MA is a mature play — different risk/reward profiles.
ATLCP carries more volatility with a beta of 1.99 — expect wider price swings.
ATLCP is growing revenue faster at 83.3% — sustainability is the question.
MA generates stronger free cash flow (4.8B), providing more financial flexibility.
Bottom Line
MA scores higher overall (70/100 vs 57/100), backed by strong 46.7% margins and 14.0% revenue growth. Both earn "Strong Buy" and "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 Corp Preferred
FINANCIAL SERVICES · CREDIT SERVICES · USA
Atlanticus Holdings Corp Preferred (ATLCP) stands at the forefront of the alternative finance industry, focusing on innovative credit solutions that enhance financial accessibility for underserved consumers. As a subsidiary of Atlanticus Holdings Corporation, the company leverages advanced technology and data analytics to overcome traditional lending barriers, offering a diverse array of lending platforms backed by strategic partnerships. ATLCP is strategically positioned to capitalize on growth opportunities while fostering responsible lending practices and promoting financial inclusivity. With a commitment to sustainable value creation, the firm not only empowers consumers through essential financial resources but also seeks to provide attractive risk-adjusted returns for its investors.
Visit Website →Mastercard Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Mastercard Incorporated is an American multinational financial services corporation headquartered in the Mastercard International Global Headquarters in Purchase, New York. The Global Operations Headquarters is located in O'Fallon, Missouri, a municipality of St. Charles County, Missouri. Throughout the world, its principal business is to process payments between the banks of merchants and the card-issuing banks or credit unions of the purchasers who use the Mastercard brand debit, credit and prepaid cards to make purchases. Mastercard Worldwide has been a publicly traded company since 2006.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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