Atlanticus vs SLM
ATLC and SLM side by side, both in personal credit institutions. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How ATLC and SLM compare
SLM is the larger company, worth 2.5 times as much as Atlanticus ($3.1B against $1.3B).
On earnings, SLM is cheaper: it trades at 6.2× trailing earnings, against 7.4× for Atlanticus.
Atlanticus grew revenue faster over the last twelve months (87.9% versus −6.7% for SLM).
SLM keeps more of each dollar of sales as profit, with a net margin of 31.7% compared with 7.6% at Atlanticus.
SLM pays a dividend yielding 3.0%; Atlanticus does not pay one.
SLM scores higher on the StockData Score (14 against 12 for Atlanticus), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | ATLC | SLM |
|---|---|---|
| Size and price | ||
| Market cap | $1.3B | $3.1B |
| Share price | $83.42 | $17.20 |
| Change, 1 year | 59.0% | −39.0% |
| Change, 5 years | 23.3% | −6.6% |
| Beta (5Y) | 1.76 | 1.11 |
| Employees | 576 | 1,788 |
| StockData Score | ||
| Total score | 12 | 14 (better) |
| Valuation score | 5 | 5 |
| Growth score | 4 (better) | 2 |
| Performance score | 3 | 3 |
| Health score | 0 | 1 (better) |
| Dividend score | 0 | 3 (better) |
| Valuation | ||
| P/E | 7.4× | 6.2× (better) |
| P/S | 0.4× (better) | 1.8× |
| P/B | 1.6× | 1.4× (better) |
| EV/EBITDA | 0.8× | – |
| PEG | 9.99 | 0.25 (better) |
| Fair value | $198.01 | $23.08 |
| Margin of safety | 57.9% (better) | 25.5% |
| Growth | ||
| Revenue growth (TTM) | 87.9% (better) | −6.7% |
| Revenue growth, 5Y average | 28.4% (better) | 1.8% |
| Net income growth (TTM) | 89.6% (better) | −9.0% |
| EPS growth (TTM) | 102% (better) | −3.2% |
| EPS growth, 5Y average | 8.6% | 9.0% (better) |
| Profitability | ||
| Gross margin | 92.4% | – |
| Net margin | 7.6% | 31.7% (better) |
| Return on equity | 32.0% (better) | 24.7% |
| Financial health | ||
| Debt / equity | – | 0.40 |
| Altman Z-score | 0.61 (better) | 0.36 |
| Piotroski F-score | 6 (better) | 5 |
| Dividends and buybacks | ||
| Dividend yield | – | 3.0% |
| Payout ratio | – | 17.7% |
| Years of dividend growth | – | 2 |
| Dividend growth, 5Y average | – | 34.1% |
| Buyback yield | 0.51% | 17.3% (better) |
| Shareholder yield | 0.51% | 20.4% (better) |
| Ownership | ||
| Held by institutions | 26.1% | 115% |
| Held by insiders | 91.5% | 6.8% |
| Insider net buying, 12 months | −$10.6M | – |
| Superinvestors holding | – | 1 |
Go deeper
- ATLC stock overview
- ATLC income statement
- ATLC valuation and score
- SLM stock overview
- SLM income statement
- SLM valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.