ATLC
Atlanticus Holdings
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NASDAQ: ATLC
- PE Ratio
As of Jun 25, 2026, the Atlanticus Holdings stock's PE ratio is 12.97. This takes into account the latest EPS of $8.35 and stock price of $108.27. The PE ratio has grown by 65% from its last 4 quarters average of 7.9.
ATLC PE ratio history
The PE ratio of Atlanticus Holdings has averaged 5.75 over the last ten years. The current P/E ratio of 12.97 is 126% higher than the historical average. Looking back at the last ten years, ATLC's PE ratio peaked in the Jun 2016 quarter at 12.65, when the price was $2.91 and the EPS was $0.23. The lowest point was in the Sep 2019 quarter, when it reached 2.52 with a price of $8.35 and an EPS of $3.31.
Atlanticus Holdings PE ratio by year
Maximum annual increase: 477.27% in 2015
Maximum annual decrease: -49.78% in 2022
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2025 | 9.05 | -3.93% | $66.95 | $7.4 |
| 2024 | 9.42 | 30.29% | $55.78 | $5.92 |
| 2023 | 7.23 | 108.36% | $38.67 | $5.35 |
| 2022 | 3.47 | -49.78% | $26.2 | $7.55 |
| 2021 | 6.91 | 49.24% | $71.32 | $10.32 |
| 2020 | 4.63 | -10.62% | $24.63 | $5.32 |
| 2019 | 5.18 | -20.31% | $9.01 | $1.74 |
| 2018 | 6.5 | N/A | $3.64 | $0.56 |
| 2017 | N/A | N/A | $2.4 | -$2.93 |
| 2016 | N/A | N/A | $2.84 | -$0.46 |
| 2015 | 26.67 | 477.27% | $3.2 | $0.12 |
| 2014 | 4.62 | N/A | $2.36 | $0.51 |
| 2013 | N/A | N/A | $3.55 | -$1.29 |
| 2012 | 2.64 | 271.83% | $3.35 | $1.27 |
| 2011 | 0.71 | N/A | $3.7 | $5.21 |
Atlanticus Holdings PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2026 | 6.28 | -30.61% | $52.47 | $8.35 |
| Dec 2025 | 9.05 | 8% | $66.95 | $7.4 |
| Sep 2025 | 8.38 | 8.27% | $58.58 | $6.99 |
| Jun 2025 | 7.74 | -2.89% | $54.75 | $7.07 |
| Mar 2025 | 7.97 | -15.39% | $51.15 | $6.42 |
| Dec 2024 | 9.42 | 47.88% | $55.78 | $5.92 |
| Sep 2024 | 6.37 | 18.18% | $35.08 | $5.51 |
| Jun 2024 | 5.39 | -3.23% | $28.18 | $5.23 |
| Mar 2024 | 5.57 | -22.96% | $29.59 | $5.31 |
| Dec 2023 | 7.23 | 24.23% | $38.67 | $5.35 |
| Sep 2023 | 5.82 | -20.71% | $30.31 | $5.21 |
| Jun 2023 | 7.34 | 70.3% | $42.01 | $5.72 |
| Mar 2023 | 4.31 | 24.21% | $27.13 | $6.3 |
| Dec 2022 | 3.47 | 22.18% | $26.2 | $7.55 |
| Sep 2022 | 2.84 | -18.62% | $26.23 | $9.22 |
ATLC Price vs fair value
ATLC average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
The current PE ratio of ATLC is higher than its 3, 5 and 10-year averages.
PE comparison
Atlanticus Holdings's price to earnings (P/E) of 12.97 is higher than the industry average but lower than the Financial Services sector average. But in comparison with the Financial Services sector average of 12.98, Atlanticus Holdings's price to earnings (P/E) is only 0.1% lower.
ATLC PE vs peers
In comparison to its peer stocks SLM and PFSI, ATLC's PE ratio is higher.
| Stock name | PE ratio | Market cap |
|---|---|---|
| SLM SLM Corp | 6.87 | $4.73B |
| PFSI PennyMac Financial Services Inc | 8.71 | $4.42B |
| CPSS Consumer Portfolio Services Inc | 10.3 | $203.32M |
| ATLC Atlanticus Holdings Corp | 12.95 | $1.64B |
| FMCC Federal Home Loan Mortgage Corp | N/A | $4.24B |
Frequently asked questions
What is Atlanticus Holdings's PE ratio?
ATLC's price to earnings ratio is 12.97 as of Jun 25, 2026.
What is the 3-year average PE ratio for Atlanticus Holdings (ATLC)?
Over the last 3 years, the average price to earnings ratio for ATLC stock is 7.21.
What is the 5-year average PE ratio for Atlanticus Holdings (ATLC)?
Over the last 5 years, the average price to earnings ratio for ATLC stock is 6.16.
What is the highest PE ratio for ATLC?
The current PE of 12.97 represents the highest historical value in the last ten years.
How does the current PE ratio for ATLC compare to its historical average?
ATLC's price to earnings ratio is currently 126% above its 10-year historical average.
How is ATLC's PE ratio calculated (Atlanticus Holdings PE ratio formula)?
To determine the P/E ratio, divide the latest stock price by the TTM earnings per share (EPS). As of today (Jun 25, 2026), Atlanticus Holdings's share price is $108.27. The company's earnings per share for the trailing twelve months (TTM) ending Mar 2026 is $8.35. Therefore, Atlanticus Holdings's PE ratio for today is 12.97. PE RATIO(12.97) = STOCK PRICE($108.27) / TTM EPS($8.35)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.