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ATLC vs URI
Which Stock Would AI Choose? Atlanticus Holdings Corporation (ATLC) vs. United Rentals, Inc. (URI) Stock Comparison
Key Takeaways
- Atlanticus Holdings Corporation (ATLC) has delivered exceptional revenue growth in recent quarters, driven by expansion in managed receivables within the consumer credit sector.
- United Rentals, Inc. (URI) reported record Q1 2026 results with revenue and earnings beats, supported by sustained demand in construction and infrastructure markets.
- ATLC has shown stronger year-to-date momentum compared to broader market benchmarks, while URI maintains a larger market capitalization and more established industrial positioning.
- Both companies operate in distinct sectors—financial services for ATLC and equipment rental for URI—leading to differing exposure to economic cycles and interest rate environments.
- Recent market activity highlights contrasting risk profiles, with ATLC exhibiting higher volatility tied to credit growth and URI benefiting from steady project-based demand.
Introduction
This comparison examines Atlanticus Holdings Corporation (ATLC) and United Rentals, Inc. (URI) to provide traders and investors with a clear view of their relative performance and positioning. The analysis focuses on verifiable business fundamentals, recent financial results, and market dynamics. It is relevant for those evaluating opportunities across consumer finance and industrial services sectors, particularly individuals seeking to understand how growth-oriented fintech exposure compares with established equipment rental operations in the current environment.
ATLC Overview and Recent Performance
Atlanticus Holdings Corporation (ATLC) operates as a financial technology company focused on providing credit and related services to consumers. In recent weeks, the stock has reflected strong underlying business momentum following the release of robust first-quarter 2026 results, which included a 97% year-over-year increase in total operating revenue and other income to $679.5 million and a 148.5% rise in managed receivables to $6.7 billion. Net income attributable to common shareholders reached $41.9 million. These figures have supported positive sentiment, contributing to significant year-to-date gains that outpaced broader market indices. Performance has been influenced by expansion in the company’s receivables portfolio amid ongoing demand for consumer financing products.
URI Overview and Recent Performance
United Rentals, Inc. (URI) is a leading provider of equipment rental and related services to construction, industrial, and other end markets across North America and select international regions. Recent market activity has been shaped by the company’s record first-quarter 2026 financial results, which featured total revenue of $3.985 billion and rental revenue of $3.419 billion, along with adjusted earnings per share of $9.71. Management raised full-year guidance in response to sustained demand. The stock has recorded solid year-to-date appreciation, supported by infrastructure and construction activity, while maintaining a large market capitalization that underscores its established industry role.
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Head-to-Head Comparison
Atlanticus Holdings Corporation (ATLC) and United Rentals, Inc. (URI) operate in fundamentally different industries, creating distinct trade-offs. ATLC’s business model centers on consumer credit origination and receivables management, exposing it to interest rate sensitivity and credit quality trends, whereas URI focuses on equipment rental with revenue tied to utilization rates in construction and industrial projects. Recent momentum favors ATLC in percentage terms due to its smaller base and rapid portfolio expansion, while URI demonstrates scale advantages and more consistent earnings visibility from long-term infrastructure demand. Risk factors differ accordingly: ATLC faces potential volatility from regulatory or macroeconomic shifts affecting lending, and URI contends with capital expenditure cycles and fleet utilization pressures. Market sentiment reflects these contrasts, with ATLC attracting attention for growth acceleration and URI for defensive industrial characteristics.
Tickeron AI Verdict
Based on observable factors such as trend consistency, earnings stability, and relative positioning in recent market activity, Tickeron’s AI would currently assign a higher probability of favor to United Rentals, Inc. (URI). The company’s larger scale, record quarterly results, and raised guidance provide a foundation of earnings visibility that aligns with steadier industrial demand patterns compared to the higher-growth but potentially more variable trajectory of Atlanticus Holdings Corporation (ATLC).
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.
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 2 FA rating(s) are green whileURI’s FA Score has 3 green FA rating(s).
- ATLC’s FA Score: 2 green, 3 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 3 TA indicator(s) are bullish while URI’s TA Score has 3 bullish TA indicator(s).
- ATLC’s TA Score: 3 bullish, 3 bearish.
- URI’s TA Score: 3 bullish, 5 bearish.
Price Growth
ATLC (@Savings Banks) experienced а +0.81% price change this week, while URI (@Finance/Rental/Leasing) price change was -1.30% for the same time period.
The average weekly price growth across all stocks in the @Savings Banks industry was -3.70%. For the same industry, the average monthly price growth was +3.37%, and the average quarterly price growth was -1.47%.
The average weekly price growth across all stocks in the @Finance/Rental/Leasing industry was -0.03%. For the same industry, the average monthly price growth was -3.36%, and the average quarterly price growth was +19.80%.
Reported Earning Dates
ATLC is expected to report earnings on Aug 07, 2026.
URI is expected to report earnings on Jul 23, 2026.
Industries' Descriptions
@Savings Banks (-3.70% 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 (-0.03% 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 | 1.46B | 68B | 2% |
| EBITDA | N/A | 7.21B | - |
| Gain YTD | 44.302 | 34.685 | 128% |
| P/E Ratio | 14.42 | 27.74 | 52% |
| Revenue | 462M | 16.4B | 3% |
| Total Cash | N/A | 156M | - |
| Total Debt | 6.35B | 15B | 42% |
ATLC | URI | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 89 | 28 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 85 Overvalued | 92 Overvalued | |
PROFIT vs RISK RATING 1..100 | 53 | 16 | |
SMR RATING 1..100 | 19 | 35 | |
PRICE GROWTH RATING 1..100 | 37 | 11 | |
P/E GROWTH RATING 1..100 | 25 | 26 | |
SEASONALITY SCORE 1..100 | 50 | 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 (85) in the Finance Or Rental Or Leasing industry is in the same range as URI (92). This means that ATLC’s stock grew similarly to URI’s over the last 12 months.
URI's Profit vs Risk Rating (16) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for ATLC (53). 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 (11) in the Finance Or Rental Or Leasing industry is in the same range as ATLC (37). This means that URI’s stock grew similarly to ATLC’s over the last 12 months.
ATLC's P/E Growth Rating (25) in the Finance Or Rental Or Leasing industry is in the same range as URI (26). This means that ATLC’s stock grew similarly to URI’s over the last 12 months.
| ATLC | URI | |
|---|---|---|
| RSI ODDS (%) | 1 day ago 86% | 1 day ago 75% |
| Stochastic ODDS (%) | 1 day ago 85% | 1 day ago 67% |
| Momentum ODDS (%) | 1 day ago 69% | 1 day ago 63% |
| MACD ODDS (%) | 1 day ago 77% | 1 day ago 61% |
| TrendWeek ODDS (%) | 1 day ago 80% | 1 day ago 64% |
| TrendMonth ODDS (%) | 1 day ago 80% | 1 day ago 72% |
| Advances ODDS (%) | 4 days ago 81% | 4 days ago 74% |
| Declines ODDS (%) | N/A | 12 days ago 67% |
| BollingerBands ODDS (%) | N/A | 1 day ago 61% |
| Aroon ODDS (%) | 1 day ago 69% | 1 day ago 74% |
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ATLC and
Correlation & Price change
A.I.dvisor indicates that over the last year, ATLC has been loosely correlated with URI. These tickers have moved in lockstep 62% of the time. This A.I.-generated data suggests there is some statistical probability that if ATLC jumps, then URI could also see price increases.
| Ticker / NAME | Correlation To ATLC | 1D Price Change % | ||
|---|---|---|---|---|
| ATLC | 100% | -2.67% | ||
| URI - ATLC | 62% Loosely correlated | -0.93% | ||
| R - ATLC | 61% Loosely correlated | -1.34% | ||
| AER - ATLC | 58% Loosely correlated | -0.49% | ||
| SYF - ATLC | 56% Loosely correlated | +1.06% | ||
| ALLY - ATLC | 56% Loosely correlated | -1.03% | ||
More | ||||
URI and
Correlation & Price change
A.I.dvisor indicates that over the last year, URI has been closely correlated with SYF. These tickers have moved in lockstep 71% of the time. This A.I.-generated data suggests there is a high statistical probability that if URI jumps, then SYF could also see price increases.