Atlanticus Holdings [ATLC] vs Mastercard [MA] Detailed Stock Comparison

Atlanticus Holdings Corp.

NASDAQ
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Mastercard Inc.

NYSE
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TLDR: Quick Comparison Summary

Based on 21 vital metrics comparison: Atlanticus Holdings Corp. wins in 6 metrics, Mastercard Inc. wins in 12 metrics, with 0 ties. Mastercard Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Atlanticus Holdings Corp. Mastercard Inc. Better
P/E Ratio (TTM) 12.58 30.95 Atlanticus Holdings Corp.
Price-to-Book Ratio 1.84 59.09 Atlanticus Holdings Corp.
Debt-to-Equity Ratio 1,016.20 256.04 Mastercard Inc.
PEG Ratio 5.88 1.27 Mastercard Inc.
EV/EBITDA N/A 22.63 N/A
Profit Margin (TTM) 21.93% 45.65% Mastercard Inc.
Operating Margin (TTM) 26.28% 57.73% Mastercard Inc.
EBITDA Margin (TTM) 26.28% 57.73% Mastercard Inc.
Return on Equity 19.72% 209.92% Mastercard Inc.
Return on Assets (TTM) 2.21% 23.72% Mastercard Inc.
Free Cash Flow (TTM) $632.94M $16.43B Mastercard Inc.
Dividend Yield N/A 0.55% N/A
1-Year Return 75.78% -15.65% Atlanticus Holdings Corp.
Price-to-Sales Ratio (TTM) 2.01 13.92 Atlanticus Holdings Corp.
Enterprise Value $7.08B $464.97B Mastercard Inc.
EV/Revenue Ratio 12.70 14.18 Atlanticus Holdings Corp.
Gross Profit Margin (TTM) N/A 79.35% N/A
Revenue per Share (TTM) $37 $36 Atlanticus Holdings Corp.
Earnings per Share (Diluted) $5.96 $16.52 Mastercard Inc.
Beta (Stock Volatility) 1.88 0.83 Mastercard Inc.
Short % of Float 31.63% 0.70% Mastercard Inc.

Atlanticus Holdings Corp. vs Mastercard Inc. Stock Performance Analysis

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ATLC
MA

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Atlanticus Holdings Corp.-8.37%-6.07%9.92%56.85%46.96%25.37%
Mastercard Inc.-3.52%-3.08%-5.33%-8.28%-12.47%-15.15%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Atlanticus Holdings Corp.75.78%137.85%125.71%2,645.86%2,577.64%122.68%
Mastercard Inc.-15.65%32.18%34.96%414.40%1,682.68%10,410.21%

Performance & Financial Health Analysis: Atlanticus Holdings Corp. vs Mastercard Inc.

MetricATLCMA
Market Information
Market Cap i$1.14B$448.34B
Market Cap CategorySmall capMega cap
10 Day Avg. Volume i67,0443,152,477
90 Day Avg. Volume i68,2183,291,506
Last Close$76.22$477.84
52 Week Range$45.74 - $93.21$477.68 - $601.77
% from 52W High-18.23%-20.59%
All-Time High$93.21 (May 27, 2026)$601.77 (Aug 22, 2025)
% from All-Time High-18.23%-20.59%
Growth Metrics
Quarterly Revenue Growth0.50%0.18%
Quarterly Earnings Growth0.12%0.22%
Financial Health
Profit Margin (TTM) i0.22%0.46%
Operating Margin (TTM) i0.26%0.58%
Return on Equity (TTM) i0.20%2.10%
Debt to Equity (MRQ) i1,016.20256.04
Cash & Liquidity
Book Value per Share (MRQ)$40.79$8.65
Cash per Share (MRQ)$41.63$12.22
Operating Cash Flow (TTM) i$637.96M$17.65B
Levered Free Cash Flow (TTM) i$111.80M$16.27B
Dividends
Last 12-Month Dividend Yield iN/A0.55%
Last 12-Month Dividend i$0.00$3.15

Valuation & Enterprise Metrics Analysis: Atlanticus Holdings Corp. vs Mastercard Inc.

MetricATLC (Apr 24, 2026)MA (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i12.5830.95
Forward P/E i5.8822.56
PEG Ratio i5.881.27
Price to Sales (TTM) i2.0113.92
Price to Book (MRQ) i1.8459.09
Market Capitalization
Market Capitalization i$1.14B$448.34B
Enterprise Value i$7.08B$464.97B
Enterprise Value Metrics
Enterprise to Revenue i12.7014.18
Enterprise to EBITDA iN/A22.63
Risk & Other Metrics
Beta i1.880.83
Book Value per Share (MRQ) i$40.79$8.65

Financial Statements Comparison: Atlanticus Holdings Corp. vs Mastercard Inc.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricATLC (2025)MA (2025)
Revenue/Sales i402.60M32.79B
Cost of Goods Sold iN/A7.25B
COGS % of Revenue i0.0%22.1%
Gross Profit iN/A25.54B
Gross Margin i0.0%77.9%
Research & Development iN/AN/A
Operating Income (EBIT) iN/A19.51B
Operating Margin i0.0%59.5%
EBITDA iN/A20.82B
EBITDA Margin i0.0%63.5%
Pre-Tax Income i159.71M18.58B
Pre-Tax Income % of Revenue i39.7%56.7%
Income Tax i39.10M3.61B
Income Tax % of Revenue i9.7%11.0%
Net Income (Profit) i120.61M14.97B
Profit Margin i30.0%45.6%

Balance Sheet & Liquidity Metrics

MetricATLC (2025)MA (2025)
Cash & Equivalents i621.09M10.57B
Total Current Assets iN/A23.56B
Total Current Assets % of Revenue i0.0%71.8%
Total Current Liabilities iN/A22.76B
Total Current Liabilities % of Revenue i0.0%69.4%
Long-Term Debt i6.54B18.25B
Long-Term Debt % of Revenue i1,625.1%55.7%
Total Shareholders Equity i603.83M7.75B
Retained Earnings i506.42M85.04B
Retained Earnings % of Revenue i125.8%259.3%
Property, Plant & Equipment i25.82M3.71B

Cash Flow Statement Comparison

MetricATLC (2025)MA (2025)
Operating Cash Flow i838.25M19.44B
Operating Cash Flow % of Revenue i208.2%59.3%
Capital Expenditures i-5.02M-489.00M
Free Cash Flow i632.94M16.43B
FCF Margin i157.2%50.1%
Debt Repayment i-2.73B-750.00M
Common Stock Repurchase i-69.57M-11.73B

Short Interest & Institutional Ownership Analysis

MetricATLCMA
Shares Short i484,3776.24M
Short Ratio i7.251.83
Short % of Float i31.63%0.70%
Shares Outstanding i14.92M894.04M
Float Shares i4.95M883.99M
% Held by Insiders i66.39%0.55%
% Held by Institutions i25.12%90.43%
% Held by Public i8.49%9.02%

Dividend Analysis & Yield Comparison: Atlanticus Holdings Corp. vs Mastercard Inc.

MetricATLCMA
Last 12-Month Dividend i$0.00$3.15
Last 12-Month Dividend Yield iN/A0.55%
3-Year Avg Annual Dividend i$0.00$2.75
3-Year Avg Dividend Yield iN/A0.14%
3-Year Total Dividends i$0.00$8.26
Ex-Dividend DateN/AJan 09, 2026