ATLC vs RM: stock comparison and AI forecast
Atlanticus Holdings Corp (ATLC) and Regional Management Corp. (RM) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
ATLC Atlanticus Holdings Corp
- Market Cap
- $1.41B
- P/E Ratio
- 12.1x
- Size
- small-cap
- AI Forecast
RM Regional Management Corp.
- Market Cap
- $351M
- P/E Ratio
- 7.0x
- Size
- small-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
- ATLC is 4.0 times larger than RM by market capitalization ($1.41B against $351M).
- RM trades at 7.0 times trailing earnings, ATLC at 12.1 times.
- RM turns 7.0% of its revenue into net income, against 5.8% for ATLC.
- ATLC carries 9.62 times debt per unit of equity, against 4.80 times for RM.
- RM yields 3.28% 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 | RM |
|---|---|---|
| Market Cap | $1.41B | $351M |
| P/E Ratio | 12.11x | 6.95x |
| P/B Ratio | 2.01x | 0.92x |
| Dividend Yield | – | 3.28% |
| EPS | $7.69 | $5.64 |
| Book Value/Share | $46.27 | $42.62 |
| Revenue/Share | $174.88 | $76.42 |
| FCF/Share | – | $35.71 |
Profitability & Margins
| Metric | ATLC | RM |
|---|---|---|
| ROE | 21.9% | 12.5% |
| ROA | 2.1% | 2.1% |
| Gross Margin | 92.6% | – |
| Net Margin | 5.8% | 7.0% |
| EBT Margin | 7.7% | 9.0% |
| Tax Rate | 24.6% | 22.5% |
Financial Health
| Metric | ATLC | RM |
|---|---|---|
| D/E Ratio | 9.62x | 4.80x |
| Financial Leverage | 10.67x | 5.80x |
Cash Flow
| Metric | ATLC | RM |
|---|---|---|
| Operating Cash Flow | $937M | $324M |
| Free Cash Flow | – | $320M |
| Capital Spending | – | -$5M |
| OCF Growth YoY | 87.7% | 10.8% |
| FCF Growth YoY | – | 10.9% |
| FCF/Sales | – | 46.7% |
| CapEx/Sales | – | 0.7% |
Operational Efficiency
| Metric | ATLC | RM |
|---|---|---|
| Asset Turnover | 0.35x | 0.31x |
| Fixed Assets Turnover | 244.1x | 54.4x |
Income Statement
| Metric | ATLC | RM |
|---|---|---|
| Total Revenue | $2.65B | $684M |
| Net Income | $154M | $48M |
| Cost of Goods Sold | $197M | – |
Dividend & Shareholder Information
| Metric | ATLC | RM |
|---|---|---|
| Dividends Per Share | – | $1.28 |
| Payout Ratio | – | 22.7% |
| Shares Outstanding | 15M | 9M |
| Net Income Growth | 25.3% | 14.9% |
| EPS Growth | 35.1% | 65.4% |
ATLC vs RM: stock comparison and AI forecast
Which is bigger, ATLC or RM?
ATLC is 4.0 times larger than RM by market capitalization ($1.41B against $351M).
Which is cheaper on earnings, ATLC or RM?
RM trades at 7.0 times trailing earnings, ATLC at 12.1 times.
Which one does Intratio's AI model rank higher, ATLC or RM?
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.