ATLC
Price
$55.40
Change
+$1.26 (+2.33%)
Updated
Oct 8, 04:59 PM (EDT)
Capitalization
818.89M
29 days until earnings call
CPSS
Price
$7.88
Change
+$0.02 (+0.25%)
Updated
Oct 8, 04:57 PM (EDT)
Capitalization
174.68M
20 days until earnings call
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ATLC vs CPSS

Header iconATLC vs CPSS Comparison
Open Charts ATLC vs CPSSBanner chart's image
Atlanticus Holdings
Price$55.40
Change+$1.26 (+2.33%)
Volume$1.2K
Capitalization818.89M
Consumer Portfolio Services
Price$7.88
Change+$0.02 (+0.25%)
Volume$100
Capitalization174.68M
ATLC vs CPSS Comparison Chart in %
ATLC
Daily Signalchanged days ago
Gain/Loss if bought
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CPSS
Daily Signalchanged days ago
Gain/Loss if bought
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ATLC vs. CPSS commentary
Oct 09, 2025

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is ATLC is a Hold and CPSS is a StrongBuy.

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COMPARISON
Comparison
Oct 09, 2025
Stock price -- (ATLC: $54.14 vs. CPSS: $7.86)
Brand notoriety: ATLC and CPSS are both not notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: ATLC: 151% vs. CPSS: 104%
Market capitalization -- ATLC: $818.89M vs. CPSS: $174.68M
ATLC [@Savings Banks] is valued at $818.89M. CPSS’s [@Savings Banks] market capitalization is $174.68M. The market cap for tickers in the [@Savings Banks] industry ranges from $684.03B to $0. The average market capitalization across the [@Savings Banks] industry is $22.26B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

ATLC’s FA Score shows that 1 FA rating(s) are green whileCPSS’s FA Score has 1 green FA rating(s).

  • ATLC’s FA Score: 1 green, 4 red.
  • CPSS’s FA Score: 1 green, 4 red.
According to our system of comparison, CPSS is a better buy in the long-term than ATLC.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

ATLC’s TA Score shows that 5 TA indicator(s) are bullish while CPSS’s TA Score has 4 bullish TA indicator(s).

  • ATLC’s TA Score: 5 bullish, 5 bearish.
  • CPSS’s TA Score: 4 bullish, 5 bearish.
According to our system of comparison, ATLC is a better buy in the short-term than CPSS.

Price Growth

ATLC (@Savings Banks) experienced а -7.58% price change this week, while CPSS (@Savings Banks) price change was +4.11% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was +0.32%. For the same industry, the average monthly price growth was -0.51%, and the average quarterly price growth was +49.49%.

Reported Earning Dates

ATLC is expected to report earnings on Nov 06, 2025.

CPSS is expected to report earnings on Oct 28, 2025.

Industries' Descriptions

@Savings Banks (+0.32% weekly)

A savings bank primary function is to take deposits and paying interest on those deposits. Originating in Europe during the 18th century, these banks were generally introduced to incentivize people of all stripes to save money and park them with banks. By the 1990s, the internet ushered in online savings banks that allowed savers to deposit/transact with banks digitally, without requiring to visit a branch office. Savings banks have potentially encouraged lower-income population to save and have access to a financial institution to earn interest on their money. New York Community Bancorp, Inc, Webster Financial Corporation, Washington Federal, Inc. are examples of savings banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
ATLC($819M) has a higher market cap than CPSS($175M). CPSS (9.82) and ATLC (9.51) have similar P/E ratio . ATLC YTD gains are higher at: -2.940 vs. CPSS (-27.624). ATLC has less debt than CPSS: ATLC (2.8B) vs CPSS (3.39B). ATLC has higher revenues than CPSS: ATLC (342M) vs CPSS (206M).
ATLCCPSSATLC / CPSS
Capitalization819M175M468%
EBITDAN/AN/A-
Gain YTD-2.940-27.62411%
P/E Ratio9.519.8297%
Revenue342M206M166%
Total CashN/AN/A-
Total Debt2.8B3.39B82%
FUNDAMENTALS RATINGS
ATLC vs CPSS: Fundamental Ratings
ATLC
CPSS
OUTLOOK RATING
1..100
5268
VALUATION
overvalued / fair valued / undervalued
1..100
52
Fair valued
43
Fair valued
PROFIT vs RISK RATING
1..100
5868
SMR RATING
1..100
1333
PRICE GROWTH RATING
1..100
6183
P/E GROWTH RATING
1..100
4142
SEASONALITY SCORE
1..100
n/an/a

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

CPSS's Valuation (43) in the Finance Or Rental Or Leasing industry is in the same range as ATLC (52). This means that CPSS’s stock grew similarly to ATLC’s over the last 12 months.

ATLC's Profit vs Risk Rating (58) in the Finance Or Rental Or Leasing industry is in the same range as CPSS (68). This means that ATLC’s stock grew similarly to CPSS’s over the last 12 months.

ATLC's SMR Rating (13) in the Finance Or Rental Or Leasing industry is in the same range as CPSS (33). This means that ATLC’s stock grew similarly to CPSS’s over the last 12 months.

ATLC's Price Growth Rating (61) in the Finance Or Rental Or Leasing industry is in the same range as CPSS (83). This means that ATLC’s stock grew similarly to CPSS’s over the last 12 months.

ATLC's P/E Growth Rating (41) in the Finance Or Rental Or Leasing industry is in the same range as CPSS (42). This means that ATLC’s stock grew similarly to CPSS’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
ATLCCPSS
RSI
ODDS (%)
Bullish Trend 2 days ago
72%
Bullish Trend 2 days ago
90%
Stochastic
ODDS (%)
Bullish Trend 2 days ago
81%
Bullish Trend 2 days ago
88%
Momentum
ODDS (%)
Bearish Trend 2 days ago
76%
Bearish Trend 2 days ago
73%
MACD
ODDS (%)
Bearish Trend 2 days ago
75%
Bearish Trend 2 days ago
73%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
78%
Bullish Trend 2 days ago
81%
TrendMonth
ODDS (%)
Bearish Trend 2 days ago
75%
Bullish Trend 2 days ago
82%
Advances
ODDS (%)
Bullish Trend 24 days ago
84%
Bullish Trend 15 days ago
82%
Declines
ODDS (%)
Bearish Trend 7 days ago
76%
Bearish Trend 9 days ago
77%
BollingerBands
ODDS (%)
Bullish Trend 2 days ago
78%
Bullish Trend 7 days ago
86%
Aroon
ODDS (%)
Bullish Trend 2 days ago
76%
Bearish Trend 3 days ago
71%
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ATLC
Daily Signalchanged days ago
Gain/Loss if bought
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CPSS
Daily Signalchanged days ago
Gain/Loss if bought
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ATLC and

Correlation & Price change

A.I.dvisor indicates that over the last year, ATLC has been closely correlated with AL. These tickers have moved in lockstep 66% of the time. This A.I.-generated data suggests there is a high statistical probability that if ATLC jumps, then AL could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To ATLC
1D Price
Change %
ATLC100%
N/A
AL - ATLC
66%
Closely correlated
-0.05%
SYF - ATLC
65%
Loosely correlated
-0.67%
OMF - ATLC
64%
Loosely correlated
-1.06%
AXP - ATLC
63%
Loosely correlated
-1.21%
ALLY - ATLC
63%
Loosely correlated
+0.33%
More

CPSS and

Correlation & Price change

A.I.dvisor indicates that over the last year, CPSS has been loosely correlated with UPBD. These tickers have moved in lockstep 39% of the time. This A.I.-generated data suggests there is some statistical probability that if CPSS jumps, then UPBD could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To CPSS
1D Price
Change %
CPSS100%
+2.61%
UPBD - CPSS
39%
Loosely correlated
-5.86%
BBDC - CPSS
38%
Loosely correlated
-0.93%
ECPG - CPSS
37%
Loosely correlated
+1.85%
ATLC - CPSS
37%
Loosely correlated
N/A
BFH - CPSS
36%
Loosely correlated
+1.19%
More