ATLC
Atlanticus Holdings Corporation
ATLC has the edge over BAC overall on the model score.
BAC
Bank of America Corporation
BAC has lower modeled downside risk, despite its lower overall score.
ATLC Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
ATLC's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like ATLC.
BAC Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
BAC's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like BAC.
ATLC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 4.9x | $55.81 | -30% |
| Forward | 6.4x | $79.30 | — |
| Current | 7x | $79.30 | — |
| Fair | 8x | $90.95 | +15% |
| Expensive | 11x | $126 | +59% |
Historical ranges are pointers, not guarantees.
ATLC's PE is 7.0x, but its earnings don't support one, so it isn't a reliable read right now.
BAC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.4x | $39.50 | -22% |
| Forward | 10x | $50.51 | — |
| Current | 12x | $50.51 | — |
| Fair | 13x | $53.81 | +6.5% |
| Expensive | 15x | $62.23 | +23% |
Historical ranges are pointers, not guarantees.
BAC has the edge over ATLC in the historical PE scenario, which offers more potential upside but is not a forecast.
ATLC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Strong growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for ATLC, with profitability improving.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for BAC, with profitability improving.
ATLC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $12.40 | +9.3% |
| Q3 2026 | $11.35 | +102% |
| Q2 2026 | $7.69 | +35% |
| Q1 2026 | $6.70 | +30% |
| Q4 2025 | $5.96 | +25% |
| Q3 2025 | $5.63 | +26% |
| Q2 2025 | $5.69 | +35% |
| Q1 2025 | $5.17 | +22% |
| Q4 2024 | $4.77 | +12% |
ATLC has the edge over BAC on earnings, with stronger typical year-over-year growth.
BAC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.92 | +17% |
| Q3 2026 | $4.19 | +14% |
| Q2 2026 | $4.34 | +27% |
| Q1 2026 | $4.02 | +20% |
| Q4 2025 | $3.81 | +19% |
| Q3 2025 | $3.66 | +33% |
| Q2 2025 | $3.41 | +20% |
| Q1 2025 | $3.35 | +16% |
| Q4 2024 | $3.21 | +4.2% |
BAC's earnings per share have climbed steadily: $4.19 over the past year, up 14% from the year before, and higher year over year for eight quarters in a row.
ATLC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $238.1M | +69% |
| Q2 2026 | $223.6M | +83% |
| Q1 2026 | $189.7M | +60% |
| Q4 2025 | $175.9M | +50% |
| Q3 2025 | $140.8M | +40% |
| Q2 2025 | $122.3M | +36% |
| Q1 2025 | $118.2M | +26% |
| Q4 2024 | $117.5M | +28% |
ATLC has the edge over BAC on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 44% | +21 points |
| Q2 2026 | 30% | -3.3 points |
| Q1 2026 | 31% | -3.6 points |
| Q4 2025 | 26% | -7.7 points |
| Q3 2025 | 23% | -14 points |
| Q2 2025 | 33% | +1.1 points |
| Q1 2025 | 35% | -0.5 points |
| Q4 2024 | 34% | +0.5 points |
ATLC has the edge over BAC on profitability, with a higher operating margin.
BAC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $30B | +6.7% |
| Q2 2026 | $31.6B | +19% |
| Q1 2026 | $30.3B | +11% |
| Q4 2025 | $31.2B | +23% |
| Q3 2025 | $28.1B | +11% |
| Q2 2025 | $26.5B | +4.3% |
| Q1 2025 | $27.4B | +6% |
| Q4 2024 | $25.3B | +15% |
BAC's revenue has grown year over year for 10 quarters in a row: $30B last quarter, up 6.7% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 30% | -3.7 points |
| Q2 2026 | 37% | +7.6 points |
| Q1 2026 | 34% | +4.7 points |
| Q4 2025 | 40% | +12 points |
| Q3 2025 | 34% | +4.8 points |
| Q2 2025 | 29% | -0.7 points |
| Q1 2025 | 30% | +1.5 points |
| Q4 2024 | 28% | +14 points |
BAC's operating margin was 30% last quarter, down 3.7 points from the same quarter a year ago.
ATLC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $253.3M | +136% |
| Q2 2026 | $276.9M | +109% |
| Q1 2026 | $286.3M | +118% |
| Q4 2025 | $266.3M | +117% |
| Q3 2025 | $107.5M | -4.4% |
| Q2 2025 | $132.7M | +15% |
| Q1 2025 | $131.6M | +11% |
| Q4 2024 | $122.6M | -7.6% |
ATLC has the edge over BAC on cash flow, with more consistent year-over-year improvement.
BAC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$6.5B | -114% |
| Q2 2026 | $29B | +$38.2B |
| Q1 2026 | $41.8B | +$44B |
| Q4 2025 | -$22.9B | -189% |
| Q3 2025 | $46.9B | +$84.2B |
| Q2 2025 | -$9.1B | -150% |
| Q1 2025 | -$2.2B | +$13.4B |
| Q4 2024 | $25.9B | -21% |
BAC's free cash flow was $41.4B over the past year, down 33% from the year before. Free cash flow isn't a meaningful measure for financial services companies like BAC.
ATLC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.3% | +52K shares |
| 1 year | +0.2% | +34K shares |
| 3 years | +1.3% | +240K shares |
| 5 years | -4.6% | -927K shares |
ATLC has 19M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $407,000 |
| Q2 2026 | $55,000 |
| Q1 2026 | $3.8M |
| Q4 2025 | $16.4M |
| Q3 2025 | $25,000 |
| Q2 2025 | $1.9M |
| Q1 2025 | $51.2M |
| Q4 2024 | $25M |
ATLC spent $21M buying back its own shares over the past year, down 74% from the year before.
BAC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1% | -72M shares |
| 1 year | -5.3% | -405M shares |
| 3 years | -11% | -854M shares |
| 5 years | -15% | -1.3B shares |
| Available history | -24% | -2.2B shares |
BAC has the edge over ATLC on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $6B |
| Q2 2026 | $6B |
| Q1 2026 | $7.2B |
| Q4 2025 | $6.3B |
| Q3 2025 | $5.3B |
| Q2 2025 | $5.3B |
| Q1 2025 | $4.5B |
| Q4 2024 | $3.5B |
BAC spent $25.6B buying back its own shares over the past year, up 37% from the year before.
ATLC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 19.9x | High |
| Q2 2026 | 25.9x | High |
| Q1 2026 | 29.7x | High |
| Q4 2025 | 34.8x | High |
| Q3 2025 | 34.9x | High |
| Q2 2025 | 14.9x | High |
| Q1 2025 | 14.0x | High |
| Q4 2024 | 14.7x | High |
ATLC's net debt is about 20 years of its operating earnings (EBITDA), down from more than 20 years a year ago. Net leverage isn't a meaningful measure for financial services companies like ATLC.
BAC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 6.4x | High |
| Q2 2026 | 6.7x | High |
| Q1 2026 | 7.1x | High |
| Q4 2025 | 7.7x | High |
| Q3 2025 | 8.3x | High |
| Q2 2025 | 8.8x | High |
| Q1 2025 | 8.6x | High |
| Q4 2024 | 9.0x | High |
BAC has the edge over ATLC on leverage, with a lower net debt burden relative to earnings.
ATLC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 42.0 | Neutral |
| Stochastic | 16.5 | Oversold |
ATLC's weekly RSI is 42 (neutral) and its Stochastic is 17 (oversold).
BAC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 37.1 | Neutral |
| Stochastic | 4.9 | Oversold |
BAC's weekly RSI is 37 (neutral) and its Stochastic is 5 (oversold).
ATLC PE vs Financial Services Sector
| Metric | ATLC | Sector median | Relative |
|---|---|---|---|
| PE | 7x | 13x | 46% below |
| PE % | 36 | 63 | 27 pts below |
ATLC has the edge over BAC on valuation relative to its sector.
BAC PE vs Financial Services Sector
| Metric | BAC | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 7.5% below |
| PE % | 40 | 63 | 23 pts below |
BAC is trading at 12x earnings, in line with the Financial Services sector's median of 13x.
ATLC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $90.0 | 12% below |
| 20 week MA | $94.6 | 16% below |
| 50 week MA | $78.9 | 0.5% above |
| 100 week MA | $67.3 | 18% above |
| 200 week MA | $50.5 | 57% above |
ATLC has the edge over BAC on trend strength, trading above more of its moving averages.
BAC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $52.1 | 3% below |
| 20 week MA | $57.8 | 13% below |
| 50 week MA | $54.7 | 7.7% below |
| 100 week MA | $50.5 | 0% below |
| 200 week MA | $42.5 | 19% above |
BAC has fallen below most of its moving averages, though it's still 19% above its 200-week average.
ATLC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $8.45 | $24.0 | +184% |
| 2021 | $24.0 | $67.8 | +182% |
| 2022 | $67.8 | $24.1 | -64% |
| 2023 | $24.1 | $38.7 | +61% |
| 2024 | $38.7 | $57.0 | +47% |
| 2025 | $57.0 | $70.1 | +23% |
| 2026 YTD | $70.1 | $79.3 | +13% |
ATLC has the edge over BAC on returns for 2026, with the stronger performance.
BAC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $35.4 | $30.0 | -15% |
| 2021 | $30.0 | $44.4 | +48% |
| 2022 | $44.4 | $32.5 | -27% |
| 2023 | $32.5 | $33.7 | +3.7% |
| 2024 | $33.7 | $44.3 | +32% |
| 2025 | $44.3 | $56.2 | +27% |
| 2026 YTD | $56.2 | $50.5 | -10% |
BAC has finished higher in four of the last six years. It's down 10% so far in 2026.