ATLC vs BFH: stock comparison and AI forecast
Atlanticus Holdings Corp (ATLC) and Bread Financial Holdings, Inc. (BFH) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
ATLC Atlanticus Holdings Corp
- Market Cap
- $1.38B
- P/E Ratio
- 8.0x
- Size
- small-cap
- AI Forecast
BFH Bread Financial Holdings, Inc.
- Price
- $101.83 +17.7% · 6M
- Market Cap
- $3.87B
- P/E Ratio
- 8.0x
- Size
- mid-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Key facts
- BFH is 2.8 times larger than ATLC by market capitalization ($3.87B against $1.38B).
- BFH trades at 8.0 times trailing earnings, ATLC at 8.0 times.
- BFH turns 11.2% of its revenue into net income, against 7.7% for ATLC.
- ATLC carries 8.54 times debt per unit of equity, against 5.78 times for BFH.
- BFH yields 0.98% in dividends; ATLC pays none.
- Both companies share the SEC industry classification Personal Credit Institutions.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | ATLC | BFH |
|---|---|---|
| Market Cap | $1.38B | $3.87B |
| P/E Ratio | 8.04x | 7.99x |
| P/B Ratio | 1.70x | 1.12x |
| Dividend Yield | – | 0.98% |
| EPS | $11.35 | $12.75 |
| Book Value/Share | $53.52 | $90.54 |
| Revenue/Share | $193.42 | $126.13 |
Profitability & Margins
| Metric | ATLC | BFH |
|---|---|---|
| ROE | 27.6% | 15.6% |
| ROA | 2.9% | 2.3% |
| Gross Margin | 92.6% | – |
| Net Margin | 7.7% | 11.2% |
| EBT Margin | 9.4% | 14.5% |
| Tax Rate | 24.5% | 23.0% |
Financial Health
| Metric | ATLC | BFH |
|---|---|---|
| D/E Ratio | 8.54x | 5.78x |
| Financial Leverage | 9.59x | 6.78x |
| Interest Coverage | – | 4.2x |
Cash Flow
| Metric | ATLC | BFH |
|---|---|---|
| Operating Cash Flow | $1.08B | $2.19B |
| OCF Growth YoY | 119.0% | 9.3% |
Operational Efficiency
| Metric | ATLC | BFH |
|---|---|---|
| Asset Turnover | 0.38x | 0.21x |
| Fixed Assets Turnover | 295.7x | 49.4x |
Income Statement
| Metric | ATLC | BFH |
|---|---|---|
| Total Revenue | $2.93B | $4.79B |
| Net Income | $224M | $537M |
| Cost of Goods Sold | $216M | – |
Dividend & Shareholder Information
| Metric | ATLC | BFH |
|---|---|---|
| Dividends Per Share | – | $1.00 |
| Payout Ratio | – | 7.8% |
| Shares Outstanding | 15M | 38M |
| Net Income Growth | 89.5% | 1578.1% |
| EPS Growth | 101.6% | 30.6% |
ATLC vs BFH: stock comparison and AI forecast
Which is bigger, ATLC or BFH?
BFH is 2.8 times larger than ATLC by market capitalization ($3.87B against $1.38B).
Which is cheaper on earnings, ATLC or BFH?
BFH trades at 8.0 times trailing earnings, ATLC at 8.0 times.
Which one does Intratio's AI model rank higher, ATLC or BFH?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
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This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.