Is Atlanticus Holdings Corp. overvalued or undervalued?

As of 7 July 2025, the valuation grade for Atlanticus Holdings Corp. has moved from attractive to very attractive. The company appears to be undervalued, given its strong performance metrics. Key ratios include a P/E ratio of 7, an EV to EBITDA of 1.17, and a PEG ratio of 0.60, all of which suggest that the stock is trading at a significant discount relative to its earnings growth potential.
In comparison to peers, Atlanticus Holdings Corp. has a notably lower P/E ratio than U-Haul Holding Co., which stands at 45.54, indicating that Atlanticus is more favorably priced relative to its earnings. Additionally, LendingClub Corp. has a PEG ratio of 0.3580, which is also lower than Atlanticus's, reinforcing the notion of Atlanticus being undervalued. Over the past year, Atlanticus has returned 107.37%, significantly outperforming the S&P 500's 17.14%, further supporting the attractiveness of its current valuation.