` Comparison: ATLC vs DFS - Alpha Spread
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ATLC
vs
DFS

Over the past 12 months, ATLC has underperformed DFS, delivering a return of +8% compared to the DFS's +26% growth.

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ATLC
DFS
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Stocks Compared:
ATLC DFS
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Valuation Comparison

ATLC Intrinsic Value
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DFS Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Atlanticus Holdings Corp
NASDAQ:ATLC
52.62 USD
Discover Financial Services
NYSE:DFS
200.05 USD
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Valuation Scenario:
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Growth Comparison

Growth Over Time
ATLC, DFS

ATLC
DFS
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Atlanticus Holdings Corp
Revenue
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Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
ATLC, DFS

ATLC
DFS
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Atlanticus Holdings Corp
NASDAQ:ATLC
Discover Financial Services
NYSE:DFS
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What is Free Cash Flow?

Gross Margin

ATLC
50.4%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Atlanticus Holdings Corp
Discover Financial Services
Not applicable for financial companies

Operating Margin

ATLC
21%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Atlanticus Holdings Corp
Discover Financial Services
Not applicable for financial companies

Net Margin

ATLC
14.4%
DFS
24.9%

FCF Margin

ATLC
66.7%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Atlanticus Holdings Corp
Discover Financial Services
Not applicable for financial companies

ROE

ATLC
17.5%
DFS
32.8%

ROA

ATLC
2.1%
DFS
3.7%

ROIC

ATLC
2.6%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Atlanticus Holdings Corp
Discover Financial Services
Not applicable for financial companies

ROCE

ATLC
3.2%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Atlanticus Holdings Corp
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Not applicable for financial companies

Solvency Comparison

Atlanticus Holdings Corp
Equity Waterfall
Assets
Liabilities
Equity
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Equity Waterfall
Assets
Liabilities
Equity
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
ATLC, DFS

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ATLC
DFS
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Performance Gap
ATLC, DFS

Performance Gap Between ATLC and DFS
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Performance By Year
ATLC, DFS

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ATLC
DFS
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