ATLC
Atlanticus Holdings Corporation
ATLC offers stronger modeled upside, but that advantage does not outweigh its weaker overall profile.
GS
The Goldman Sachs Group, Inc.
GS has a slight edge over ATLC overall, supported by lower modeled downside.
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.
GS Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
GS's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like GS.
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.
GS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $528 | -42% |
| Current | 13x | $914 | — |
| Forward | 13x | $914 | — |
| Fair | 14x | $940 | +2.9% |
| Expensive | 17x | $1,214 | +33% |
Historical ranges are pointers, not guarantees.
GS 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 |
ATLC has the edge over GS on the outlook, with more favorable valuation expectations.
GS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect earnings and revenue growth for GS, with profitability improving. However, they disagree widely on these estimates.
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's earnings per share have climbed steadily: $11.35 over the past year, up 102% from the year before, and higher year over year for nine quarters in a row. Its recent earnings include one-off gains.
GS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $72.35 | +4% |
| Q3 2026 | $69.58 | +41% |
| Q2 2026 | $64.82 | +43% |
| Q1 2026 | $54.75 | +27% |
| Q4 2025 | $51.32 | +27% |
| Q3 2025 | $49.22 | +44% |
| Q2 2025 | $45.37 | +45% |
| Q1 2025 | $43.08 | +68% |
| Q4 2024 | $40.54 | +77% |
GS has the edge over ATLC on earnings, with stronger typical year-over-year growth.
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 GS on sales, with more consistent year-over-year improvement.
| 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 GS on profitability, with a higher operating margin.
GS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $18.7B | +23% |
| Q2 2026 | $20.3B | +39% |
| Q1 2026 | $17.2B | +14% |
| Q4 2025 | $13.5B | -3% |
| Q3 2025 | $15.2B | +20% |
| Q2 2025 | $14.6B | +15% |
| Q1 2025 | $15.1B | +6% |
| Q4 2024 | $13.9B | +23% |
GS's revenue is growing: $18.7B last quarter, up 23% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | +2 points |
| Q2 2026 | 42% | +8.1 points |
| Q1 2026 | 38% | +0.2 points |
| Q4 2025 | 44% | +5.6 points |
| Q3 2025 | 36% | +4.1 points |
| Q2 2025 | 34% | +3.2 points |
| Q1 2025 | 37% | +0.6 points |
| Q4 2024 | 38% | +18 points |
GS's operating margin was 37% last quarter, up 2 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 GS on cash generation, producing positive trailing cash flow while its opponent burns cash.
GS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.7B | +72% |
| Q2 2026 | $5.6B | +7.8% |
| Q1 2026 | -$32.4B | +$5.3B |
| Q4 2025 | -$16.8B | -136% |
| Q3 2025 | $2.1B | +$40.6B |
| Q2 2025 | $5.2B | -6.8% |
| Q1 2025 | -$37.7B | -$9.2B |
| Q4 2024 | $46.2B | +$75.1B |
GS's free cash flow was −$40B over the past year, against $15.8B the year before. Free cash flow isn't a meaningful measure for financial services companies like GS.
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.
GS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -3.8M shares |
| 1 year | -4.4% | -13.9M shares |
| 3 years | -12% | -42.8M shares |
| 5 years | -15% | -52.8M shares |
| Available history | -20% | -74.4M shares |
GS has the edge over ATLC on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3B |
| Q2 2026 | $4B |
| Q1 2026 | $5B |
| Q4 2025 | $3B |
| Q3 2025 | $2B |
| Q2 2025 | $3B |
| Q1 2025 | $4.4B |
| Q4 2024 | $2B |
GS spent $15B buying back its own shares over the past year, up 32% 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.
GS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.4x | Net Cash |
| Q2 2026 | -6.1x | Net Cash |
| Q1 2026 | -6.7x | Net Cash |
| Q4 2025 | -6.4x | Net Cash |
| Q3 2025 | -3.5x | Net Cash |
| Q2 2025 | -3.1x | Net Cash |
| Q1 2025 | -3.9x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
GS 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).
GS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.5 | Neutral |
| Stochastic | 16.3 | Oversold |
GS's weekly RSI is 45 (neutral) and its Stochastic is 16 (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 GS on valuation relative to its sector.
GS PE vs Financial Services Sector
| Metric | GS | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.8% above |
| PE % | 46 | 63 | 17 pts below |
GS is trading at 13x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.
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 pulled back, but its long-term trend is still up: it's below its 8- and 20-week averages, but 57% above its 200-week average.
GS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $895.5 | 2% above |
| 20 week MA | $977.4 | 6.5% below |
| 50 week MA | $945.4 | 3.4% below |
| 100 week MA | $804.5 | 14% above |
| 200 week MA | $602.7 | 52% above |
GS's trend is mixed: it's above three of its five weekly moving averages, and 52% 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 GS on returns for 2026, with the stronger performance.
GS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $230.7 | $256.2 | +11% |
| 2021 | $256.2 | $385.0 | +50% |
| 2022 | $385.0 | $345.5 | -10% |
| 2023 | $345.5 | $385.8 | +12% |
| 2024 | $385.8 | $576.2 | +49% |
| 2025 | $576.2 | $907.0 | +57% |
| 2026 YTD | $907.0 | $913.6 | +0.7% |
GS has finished higher in five of the last six years, two of them by more than 50%. It's up 0.7% so far in 2026.