Is ATLC or COF more undervalued in 2026?

CirclFi compares Atlanticus Holdings Corporation (ATLC) and Capital One Financial Corporati (COF) using 13 institutional-grade valuation models. ATLC has a Quality of Company score of 7.9/10 while COF scores 7.4/10.

Which is a better buy — ATLC or COF?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do ATLC and COF valuations compare?

ATLC at $84.75 and COF at $187.02 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

ATLC vs COF Valuation Comparison 2026 — Intrinsic Value Analysis

ATLC

Credit Services

Atlanticus Holdings Corporation

Quality

7.9

out of 10

Value Trap

SAFE

Price

$84.75

Last close

Models

12/13

Active

COF

Credit Services

Capital One Financial Corporati

Quality

7.4

out of 10

Value Trap

SAFE

Price

$187.02

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	ATLC Fair Value	ATLC Upside	COF Fair Value	COF Upside
Bayesian DCF	Intrinsic	$280.85	+231.4%	$191.49	+2.4%
Earnings Power Value	Intrinsic	$60.34	-28.8%	$155.75	-16.7%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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ATLC vs COF — Which Stock Is More Undervalued?

ATLC scores higher with a 7.9/10 quality rating vs COF's 7.4/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Atlanticus Holdings Corporation (ATLC) and Capital One Financial Corporati (COF) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

ATLC currently trades at $84.75 with a QOC of 7.9/10, while COF trades at $187.02 with a QOC of 7.4/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).