Compare $ATLC vs $UPST | Chartloom

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$ATLC vs $UPST

Atlanticus Holdings Corp · Upstart Holdings Inc

ATLC

Atlanticus Holdings Corp

UPST

Upstart Holdings Inc

Compare $ATLC vs $UPST

Comparing Atlanticus Holdings Corp and Upstart Holdings Inc

ATLCAtlanticus Holdings Corp

UPSTUpstart Holdings Inc

ATLCAtlanticus Holdings Corp

Market cap

$1.42B

P/E (TTM)

12.41x

Forward P/E (NTM)

8.33x

Forward P/S (NTM)

0.43x

Rev growth (TTM)

79.0%

YTD performance

41.3%

52W performance

69.3%

FCF yield

66.1%

UPSTUpstart Holdings Inc

Market cap

$2.31B

P/E (TTM)

43.83x

Forward P/E (NTM)

7.87x

Forward P/S (NTM)

1.39x

Rev growth (TTM)

46.3%

YTD performance

-47.4%

52W performance

-53.4%

FCF yield

-13.2%

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Relative performance

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ATLC

UPST

Detailed metrics comparison

ATLC

Atlanticus Holdings Corp

UPST

Upstart Holdings Inc

Market Cap

ATLC$1.42B

UPST$2.31B

Enterprise Value

ATLC$7.13B

UPST$3.85B

Price

ATLC$93.73

UPST$24.10

P/E Ratio

ATLC12.41x

UPST43.83x

P/S Ratio

ATLC1.20x

UPST1.85x

EV/Sales

ATLC6.03x

UPST3.09x

EV/EBITDA

ATLC32.38x

UPST50.65x

P/B Ratio

ATLC1.88x

UPST2.78x

P/FCF Ratio

ATLC1.51x

UPSTN/A

EV/FCF

ATLC7.62x

UPST-12.63x

PEG Ratio

ATLC0.33x

UPST1.22x

Forward P/E (NTM)

ATLC8.33x

UPST7.87x

Forward P/S (NTM)

ATLC0.43x

UPST1.39x

Revenue (TTM)

ATLC$1.18B

UPST$1.25B

Revenue Growth (YoY)

ATLC79.0%

UPST46.3%

Forward Rev Growth

ATLC12.9%

UPST31.4%

Gross Margin (TTM)

ATLC45.6%

UPST82.5%

Operating Margin (TTM)

ATLC17.2%

UPST4.6%

EBITDA Margin (TTM)

ATLC18.6%

UPST6.0%

Net Margin (TTM)

ATLC12.2%

UPST4.8%

FCF Margin (TTM)

ATLC79.1%

UPST-24.5%

Net Income (TTM)

ATLC$145M

UPST$60M

FCF (TTM)

ATLC$936M

UPST$-305M

EPS (TTM)

ATLC$7.55

UPST$0.55

ROE (TTM)

ATLC22.8%

UPST8.6%

ROA (TTM)

ATLC2.1%

UPST2.2%

ROIC (TTM)

ATLC2.2%

UPST2.5%

Cash

ATLC$555M

UPST$456M

Debt

ATLC$6.27B

UPST$2.00B

Net Cash/Debt

ATLC$-5.72B

UPST$-1.55B

Current Ratio (TTM)

ATLC1.27x

UPST1.55x

Quick Ratio (TTM)

ATLC1.15x

UPST1.55x

Debt/Equity (TTM)

ATLC8.45x

UPST2.51x

Debt/Assets (TTM)

ATLC0.0%

UPST0.0%

Interest Coverage (TTM)

ATLCN/A

UPSTN/A

Net Debt/EBITDA (TTM)

ATLC0.00x

UPST0.00x

Beta

ATLC1.79

UPST2.50

52W Performance

ATLC69.3%

UPST-53.4%

YTD Performance

ATLC41.3%

UPST-47.4%

% from 52W High

ATLC-18.0%

UPST-56.4%

% from 52W Low

ATLC97.3%

UPST6.8%

Asset Turnover (TTM)

ATLC0.16x

UPST0.31x

FCF Yield (TTM)

ATLC66.1%

UPST-13.2%

Earnings Yield (TTM)

ATLC10.2%

UPST2.6%

Dividend Yield (TTM)

ATLC0.7%

UPSTN/A

Rule of 40

ATLC158.2

UPST21.8

EV/GP/RG

ATLC0.07

UPST0.11

Ticker research

View ATLC research View UPST research

Metric	ATLC Atlanticus Holdings Corp	UPST Upstart Holdings Inc
Market & Valuation
Market Cap	$1.42B	$2.31B
Enterprise Value	$7.13B	$3.85B
Price	$93.73	$24.10
P/E Ratio	12.41x	43.83x
P/S Ratio	1.20x	1.85x
EV/Sales	6.03x	3.09x
EV/EBITDA	32.38x	50.65x
P/B Ratio	1.88x	2.78x
P/FCF Ratio	1.51x	N/A
EV/FCF	7.62x	-12.63x
PEG Ratio	0.33x	1.22x
Forward P/E (NTM)	8.33x	7.87x
Forward P/S (NTM)	0.43x	1.39x
Revenue & Growth
Revenue (TTM)	$1.18B	$1.25B
Revenue Growth (YoY)	79.0%	46.3%
Forward Rev Growth	12.9%	31.4%
Profitability
Gross Margin (TTM)	45.6%	82.5%
Operating Margin (TTM)	17.2%	4.6%
EBITDA Margin (TTM)	18.6%	6.0%
Net Margin (TTM)	12.2%	4.8%
FCF Margin (TTM)	79.1%	-24.5%
Net Income (TTM)	$145M	$60M
FCF (TTM)	$936M	$-305M
EPS (TTM)	$7.55	$0.55
ROE (TTM)	22.8%	8.6%
ROA (TTM)	2.1%	2.2%
ROIC (TTM)	2.2%	2.5%
Financial Health
Cash	$555M	$456M
Debt	$6.27B	$2.00B
Net Cash/Debt	$-5.72B	$-1.55B
Current Ratio (TTM)	1.27x	1.55x
Quick Ratio (TTM)	1.15x	1.55x
Debt/Equity (TTM)	8.45x	2.51x
Debt/Assets (TTM)	0.0%	0.0%
Interest Coverage (TTM)	N/A	N/A
Net Debt/EBITDA (TTM)	0.00x	0.00x
Performance
Beta	1.79	2.50
52W Performance	69.3%	-53.4%
YTD Performance	41.3%	-47.4%
% from 52W High	-18.0%	-56.4%
% from 52W Low	97.3%	6.8%
Efficiency & Yields
Asset Turnover (TTM)	0.16x	0.31x
FCF Yield (TTM)	66.1%	-13.2%
Earnings Yield (TTM)	10.2%	2.6%
Dividend Yield (TTM)	0.7%	N/A
Other
Rule of 40	158.2	21.8
EV/GP/RG	0.07	0.11
Ticker research	View ATLC research	View UPST research

Valuation

P/E Ratio

ATLC

12.41x

UPST

43.83x

P/S Ratio

ATLC

1.20x

UPST

1.85x

EV/FCF

UPST

-12.63x

ATLC

7.62x

Growth & revenue

Revenue Growth TTM

ATLC

79.0%

UPST

46.3%

Forward Revenue Growth

UPST

31.4%

ATLC

12.9%

Profitability & performance

Gross Margin

UPST

82.5%

ATLC

45.6%

ROE

ATLC

22.8%

UPST

8.6%

FCF Yield %

ATLC

66.1%

UPST

-13.2%

52-Week Performance

ATLC

69.3%

UPST

-53.4%

Detailed metrics comparison

ATLC

Atlanticus Holdings Corp

UPST

Upstart Holdings Inc

Market Cap

ATLC$1.42B

UPST$2.31B

Enterprise Value

ATLC$7.13B

UPST$3.85B

Price

ATLC$93.73

UPST$24.10

P/E Ratio

ATLC12.41x

UPST43.83x

P/S Ratio

ATLC1.20x

UPST1.85x

EV/Sales

ATLC6.03x

UPST3.09x

EV/EBITDA

ATLC32.38x

UPST50.65x

P/B Ratio

ATLC1.88x

UPST2.78x

P/FCF Ratio

ATLC1.51x

UPSTN/A

EV/FCF

ATLC7.62x

UPST-12.63x

PEG Ratio

ATLC0.33x

UPST1.22x

Forward P/E (NTM)

ATLC8.33x

UPST7.87x

Forward P/S (NTM)

ATLC0.43x

UPST1.39x

Revenue (TTM)

ATLC$1.18B

UPST$1.25B

Revenue Growth (YoY)

ATLC79.0%

UPST46.3%

Forward Rev Growth

ATLC12.9%

UPST31.4%

Gross Margin (TTM)

ATLC45.6%

UPST82.5%

Operating Margin (TTM)

ATLC17.2%

UPST4.6%

EBITDA Margin (TTM)

ATLC18.6%

UPST6.0%

Net Margin (TTM)

ATLC12.2%

UPST4.8%

FCF Margin (TTM)

ATLC79.1%

UPST-24.5%

Net Income (TTM)

ATLC$145M

UPST$60M

FCF (TTM)

ATLC$936M

UPST$-305M

EPS (TTM)

ATLC$7.55

UPST$0.55

ROE (TTM)

ATLC22.8%

UPST8.6%

ROA (TTM)

ATLC2.1%

UPST2.2%

ROIC (TTM)

ATLC2.2%

UPST2.5%

Cash

ATLC$555M

UPST$456M

Debt

ATLC$6.27B

UPST$2.00B

Net Cash/Debt

ATLC$-5.72B

UPST$-1.55B

Current Ratio (TTM)

ATLC1.27x

UPST1.55x

Quick Ratio (TTM)

ATLC1.15x

UPST1.55x

Debt/Equity (TTM)

ATLC8.45x

UPST2.51x

Debt/Assets (TTM)

ATLC0.0%

UPST0.0%

Interest Coverage (TTM)

ATLCN/A

UPSTN/A

Net Debt/EBITDA (TTM)

ATLC0.00x

UPST0.00x

Beta

ATLC1.79

UPST2.50

52W Performance

ATLC69.3%

UPST-53.4%

YTD Performance

ATLC41.3%

UPST-47.4%

% from 52W High

ATLC-18.0%

UPST-56.4%

% from 52W Low

ATLC97.3%

UPST6.8%

Asset Turnover (TTM)

ATLC0.16x

UPST0.31x

FCF Yield (TTM)

ATLC66.1%

UPST-13.2%

Earnings Yield (TTM)

ATLC10.2%

UPST2.6%

Dividend Yield (TTM)

ATLC0.7%

UPSTN/A

Rule of 40

ATLC158.2

UPST21.8

EV/GP/RG

ATLC0.07

UPST0.11

Ticker research

View ATLC research View UPST research

Metric	ATLC Atlanticus Holdings Corp	UPST Upstart Holdings Inc
Market & Valuation
Market Cap	$1.42B	$2.31B
Enterprise Value	$7.13B	$3.85B
Price	$93.73	$24.10
P/E Ratio	12.41x	43.83x
P/S Ratio	1.20x	1.85x
EV/Sales	6.03x	3.09x
EV/EBITDA	32.38x	50.65x
P/B Ratio	1.88x	2.78x
P/FCF Ratio	1.51x	N/A
EV/FCF	7.62x	-12.63x
PEG Ratio	0.33x	1.22x
Forward P/E (NTM)	8.33x	7.87x
Forward P/S (NTM)	0.43x	1.39x
Revenue & Growth
Revenue (TTM)	$1.18B	$1.25B
Revenue Growth (YoY)	79.0%	46.3%
Forward Rev Growth	12.9%	31.4%
Profitability
Gross Margin (TTM)	45.6%	82.5%
Operating Margin (TTM)	17.2%	4.6%
EBITDA Margin (TTM)	18.6%	6.0%
Net Margin (TTM)	12.2%	4.8%
FCF Margin (TTM)	79.1%	-24.5%
Net Income (TTM)	$145M	$60M
FCF (TTM)	$936M	$-305M
EPS (TTM)	$7.55	$0.55
ROE (TTM)	22.8%	8.6%
ROA (TTM)	2.1%	2.2%
ROIC (TTM)	2.2%	2.5%
Financial Health
Cash	$555M	$456M
Debt	$6.27B	$2.00B
Net Cash/Debt	$-5.72B	$-1.55B
Current Ratio (TTM)	1.27x	1.55x
Quick Ratio (TTM)	1.15x	1.55x
Debt/Equity (TTM)	8.45x	2.51x
Debt/Assets (TTM)	0.0%	0.0%
Interest Coverage (TTM)	N/A	N/A
Net Debt/EBITDA (TTM)	0.00x	0.00x
Performance
Beta	1.79	2.50
52W Performance	69.3%	-53.4%
YTD Performance	41.3%	-47.4%
% from 52W High	-18.0%	-56.4%
% from 52W Low	97.3%	6.8%
Efficiency & Yields
Asset Turnover (TTM)	0.16x	0.31x
FCF Yield (TTM)	66.1%	-13.2%
Earnings Yield (TTM)	10.2%	2.6%
Dividend Yield (TTM)	0.7%	N/A
Other
Rule of 40	158.2	21.8
EV/GP/RG	0.07	0.11
Ticker research	View ATLC research	View UPST research