ATLC
Atlanticus Holdings Corporation
ATLC has the edge over JPM overall, supported by stronger valuation and stronger fundamentals.
JPM
JPMorgan Chase & Co.
JPM 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.
JPM Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
JPM's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like JPM.
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.
JPM PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.7x | $231 | -33% |
| Fair | 12x | $287 | -16% |
| Current | 14x | $343 | — |
| Forward | 14x | $343 | — |
| Expensive | 15x | $361 | +5.2% |
Historical ranges are pointers, not guarantees.
JPM 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 JPM on the outlook, with more favorable valuation expectations.
JPM Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for JPM, 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 JPM on earnings, with stronger typical year-over-year growth.
JPM Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $24.99 | +4.8% |
| Q3 2026 | $23.85 | +18% |
| Q2 2026 | $23.35 | +20% |
| Q1 2026 | $20.89 | +2.5% |
| Q4 2025 | $20.02 | +1.4% |
| Q3 2025 | $20.20 | +12% |
| Q2 2025 | $19.50 | +8.7% |
| Q1 2025 | $20.38 | +23% |
| Q4 2024 | $19.75 | +22% |
JPM's earnings per share have climbed steadily: $23.85 over the past year, up 18% from the year before, and higher year over year for 15 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 JPM 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 JPM on profitability, with a higher operating margin.
JPM Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $50.2B | +8.1% |
| Q2 2026 | $57.3B | +28% |
| Q1 2026 | $49.8B | +10% |
| Q4 2025 | $45.8B | +7.1% |
| Q3 2025 | $46.4B | +8.8% |
| Q2 2025 | $44.9B | -11% |
| Q1 2025 | $45.3B | +8.1% |
| Q4 2024 | $42.8B | +11% |
JPM's revenue has grown year over year for five quarters in a row: $50.2B last quarter, up 8.1% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 40% | -0.2 points |
| Q2 2026 | 48% | +7.3 points |
| Q1 2026 | 41% | +0.5 points |
| Q4 2025 | 37% | -3.2 points |
| Q3 2025 | 40% | +0.6 points |
| Q2 2025 | 41% | -6 points |
| Q1 2025 | 41% | -0.6 points |
| Q4 2024 | 41% | +11 points |
JPM's operating margin was 40% last quarter, about level with 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 JPM on cash generation, producing positive trailing cash flow while its opponent burns cash.
JPM Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $33.2B | +$78.4B |
| Q2 2026 | -$25.3B | -186% |
| Q1 2026 | -$211.8B | +$40.1B |
| Q4 2025 | $119.7B | -19% |
| Q3 2025 | -$45.2B | +$28.9B |
| Q2 2025 | $29.5B | -23% |
| Q1 2025 | -$251.8B | -$97.7B |
| Q4 2024 | $147.8B | +145% |
JPM's free cash flow was −$84.2B over the past year, against −$120B the year before. Free cash flow isn't a meaningful measure for financial services companies like JPM.
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.
JPM Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.4% | -11.2M shares |
| 1 year | -3.1% | -84.6M shares |
| 3 years | -8.5% | -249M shares |
| 5 years | -11% | -322M shares |
| Available history | -17% | -547M shares |
JPM has the edge over ATLC on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1.1B |
| Q2 2026 | $6.8B |
| Q1 2026 | $8.3B |
| Q4 2025 | $8.3B |
| Q3 2025 | $8.3B |
| Q2 2025 | $7.5B |
| Q1 2025 | $7.5B |
| Q4 2024 | $4.3B |
JPM spent $24.5B buying back its own shares over the past year, down 11% 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.
JPM Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.5x | Very low |
| Q2 2026 | 0.5x | Very low |
| Q1 2026 | 0.6x | Very low |
| Q4 2025 | 0.5x | Very low |
| Q3 2025 | 0.6x | Very low |
| Q2 2025 | 0.5x | Very low |
| Q1 2025 | 0.5x | Very low |
| Q4 2024 | 0.4x | Very low |
JPM 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).
JPM Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 54.8 | Neutral |
| Stochastic | 31.5 | Neutral |
JPM's weekly RSI is 55 (neutral) and its Stochastic is 31 (neutral).
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 JPM on valuation relative to its sector.
JPM PE vs Financial Services Sector
| Metric | JPM | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 10% above |
| PE % | 76 | 63 | 13 pts above |
JPM is trading at 14x earnings, a 10% premium to 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 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.
JPM Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $336.8 | 1.8% above |
| 20 week MA | $345.3 | 0.7% below |
| 50 week MA | $323.2 | 6.1% above |
| 100 week MA | $298.9 | 15% above |
| 200 week MA | $236.6 | 45% above |
JPM has the edge over ATLC on trend strength, trading above more of its moving averages.
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 JPM on returns for 2026, with the stronger performance.
JPM Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $139.1 | $124.5 | -11% |
| 2021 | $124.5 | $157.3 | +26% |
| 2022 | $157.3 | $131.3 | -17% |
| 2023 | $131.3 | $170.1 | +30% |
| 2024 | $170.1 | $241.2 | +42% |
| 2025 | $241.2 | $327.9 | +36% |
| 2026 YTD | $327.9 | $342.8 | +4.5% |
JPM has finished higher in four of the last six years. It's up 4.5% so far in 2026.