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ATLC vs URI
Which Stock Would AI Choose? Atlanticus Holdings Corporation (ATLC) vs. United Rentals (URI) Stock Comparison
Key Takeaways
- ATLC has outperformed URI year-to-date with a 9.01% return compared to URI's modest 0.59% gain, reflecting stronger recent momentum in financial services.
- ATLC trades at a lower price-to-earnings (P/E) ratio of 12.24 versus URI's 21.05, suggesting better relative value for income-focused investors.
- URI boasts a significantly larger market capitalization of $51.17 billion compared to ATLC's $1.09 billion, offering greater scale and stability in the industrials sector.
- Recent market activity shows ATLC gaining on positive analyst upgrades, while URI has pulled back amid earnings anticipation and softer quarterly results.
- Tickeron's comparison tool indicates ATLC as a stronger short-term buy relative to URI based on price growth trends.
Introduction
This stock comparison examines ATLC, a credit services provider, against URI, a leading equipment rental firm, highlighting contrasts in sectors, performance, and market positioning. Financial services investors seeking value and growth in lending may eye ATLC, while those favoring industrials exposure with infrastructure tailwinds might prefer URI. Traders analyzing relative momentum or AI-driven signals will find insights into recent trends, valuations, and sentiment shifts valuable for portfolio decisions in the current environment.
ATLC Overview and Recent Performance
Atlanticus Holdings Corporation (ATLC) operates in the financial services sector, focusing on credit services through lending platforms and credit cards targeting underserved consumers. With a market capitalization of approximately $1.09 billion, the company has demonstrated robust revenue growth, reaching $557.17 million trailing twelve months (ttm), supported by portfolio expansion. In recent weeks, ATLC shares have rallied, climbing over 3% in a single session to around $73, amid positive analyst attention labeling it a top value pick with projected revenue growth exceeding 70% for fiscal 2026. Sentiment has improved on strong earnings beats, such as Q4 2025 EPS of $1.75 surpassing estimates, and upward revisions in price targets averaging $92.40. Year-to-date gains of 9.01% reflect resilience, though volatility persists given its smaller size and credit cycle sensitivity.
URI Overview and Recent Performance
United Rentals, Inc. (URI) leads the industrials sector in rental and leasing services, providing construction and industrial equipment across North America. Its $51.17 billion market cap underscores market dominance, with ttm revenue of $16.1 billion and net income of $2.49 billion. Recent market activity has seen shares decline around 13% over the past 30 days to about $812, influenced by a Q4 2025 earnings miss and margin pressures from rising costs. Despite this, year-to-date performance stands at 0.59%, buoyed by a positive 2026 outlook projecting 6% revenue growth excluding used equipment sales and specialty expansions. Analyst consensus remains bullish with a $977 average price target ahead of Q1 earnings.
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Head-to-Head Comparison
ATLC and URI diverge sharply in business models: ATLC's credit services emphasize consumer lending with high growth potential but cyclical risks tied to economic conditions and credit quality, while URI's equipment rental model benefits from infrastructure demand yet faces competition and cost inflation. Growth drivers favor ATLC's projected double-digit portfolio expansion versus URI's steadier 6% revenue outlook. Recent momentum tilts to ATLC's gains amid value sentiment, contrasting URI's pullback despite scale advantages. Risk factors include ATLC's higher volatility (52-week range 45-79) and smaller size versus URI's elevated debt-to-equity ratio of 174.73%. Sector exposure positions ATLC in financials sensitive to rates, URI in industrials buoyed by capex cycles. Market sentiment leans positive for both via buy ratings, but ATLC's lower P/E offers value trade-offs against URI's stability.
Tickeron AI Verdict
Tickeron’s AI currently favors ATLC over URI due to superior short-term trend consistency, recent price momentum, and attractive valuation metrics amid favorable analyst revisions. While URI maintains stronger long-term positioning through scale and growth catalysts, ATLC's relative outperformance suggests higher probability of near-term upside in the prevailing market environment.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer. Disclaimers and Limitations
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 StrongBuy and URI is a StrongBuy.
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 whileURI’s FA Score has 3 green FA rating(s).
- ATLC’s FA Score: 1 green, 4 red.
- URI’s FA Score: 3 green, 2 red.
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 4 TA indicator(s) are bullish while URI’s TA Score has 4 bullish TA indicator(s).
- ATLC’s TA Score: 4 bullish, 3 bearish.
- URI’s TA Score: 4 bullish, 5 bearish.
Price Growth
ATLC (@Savings Banks) experienced а +4.69% price change this week, while URI (@Finance/Rental/Leasing) price change was +0.80% for the same time period.
The average weekly price growth across all stocks in the @Savings Banks industry was -0.17%. For the same industry, the average monthly price growth was +3.44%, and the average quarterly price growth was -4.05%.
The average weekly price growth across all stocks in the @Finance/Rental/Leasing industry was +0.45%. For the same industry, the average monthly price growth was +11.61%, and the average quarterly price growth was +26.77%.
Reported Earning Dates
ATLC is expected to report earnings on Aug 07, 2026.
URI is expected to report earnings on Jul 29, 2026.
Industries' Descriptions
@Savings Banks (-0.17% 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.
@Finance/Rental/Leasing (+0.45% weekly)A leasing company (e.g. United Rentals, Inc. ) is typically the legal owner of the asset for the duration of the lease, while the lessee has operating control over the asset while also having some share of the economic risks and returns from the change in the valuation of the underlying asset. Per capita disposable income and corporate earnings or cash flow could be some of the critical metrics for this business – the higher the values of these metrics, the potentially greater ability of consumers/businesses to afford apartments/office spaces for rent. Other finance companies include credit/debit card payment processing companies (e.g. Visa Inc. and Mastercard), private label credit cards providers (e.g. Synchrony Financial) and automobile finance companies (e.g. Credit Acceptance Corporation).
| ATLC | URI | ATLC / URI | |
| Capitalization | 1.51B | 68.5B | 2% |
| EBITDA | N/A | 7.21B | - |
| Gain YTD | 48.648 | 35.596 | 137% |
| P/E Ratio | 11.49 | 27.92 | 41% |
| Revenue | 462M | 16.4B | 3% |
| Total Cash | N/A | 156M | - |
| Total Debt | 6.35B | 15B | 42% |
ATLC | URI | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 38 | 43 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 80 Overvalued | 91 Overvalued | |
PROFIT vs RISK RATING 1..100 | 51 | 18 | |
SMR RATING 1..100 | 19 | 35 | |
PRICE GROWTH RATING 1..100 | 36 | 8 | |
P/E GROWTH RATING 1..100 | 40 | 19 | |
SEASONALITY SCORE 1..100 | 90 | 90 |
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.
ATLC's Valuation (80) in the Finance Or Rental Or Leasing industry is in the same range as URI (91). This means that ATLC’s stock grew similarly to URI’s over the last 12 months.
URI's Profit vs Risk Rating (18) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for ATLC (51). This means that URI’s stock grew somewhat faster than ATLC’s over the last 12 months.
ATLC's SMR Rating (19) in the Finance Or Rental Or Leasing industry is in the same range as URI (35). This means that ATLC’s stock grew similarly to URI’s over the last 12 months.
URI's Price Growth Rating (8) in the Finance Or Rental Or Leasing industry is in the same range as ATLC (36). This means that URI’s stock grew similarly to ATLC’s over the last 12 months.
URI's P/E Growth Rating (19) in the Finance Or Rental Or Leasing industry is in the same range as ATLC (40). This means that URI’s stock grew similarly to ATLC’s over the last 12 months.
| ATLC | URI | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 64% | 2 days ago 55% |
| Stochastic ODDS (%) | 2 days ago 70% | 2 days ago 60% |
| Momentum ODDS (%) | 2 days ago 80% | 2 days ago 74% |
| MACD ODDS (%) | 2 days ago 75% | 2 days ago 66% |
| TrendWeek ODDS (%) | 2 days ago 80% | 2 days ago 73% |
| TrendMonth ODDS (%) | 2 days ago 80% | 2 days ago 73% |
| Advances ODDS (%) | 8 days ago 81% | 2 days ago 73% |
| Declines ODDS (%) | N/A | 7 days ago 67% |
| BollingerBands ODDS (%) | 2 days ago 79% | 2 days ago 65% |
| Aroon ODDS (%) | 2 days ago 75% | 2 days ago 74% |
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