Is ATLCL or ATLCP more undervalued in 2026?

CirclFi compares Atlanticus Holdings Corporation (ATLCL) and Atlanticus Holdings Corporation (ATLCP) using 13 institutional-grade valuation models. ATLCL has a Quality of Company score of 7.7/10 while ATLCP scores 7.7/10.

Which is a better buy — ATLCL or ATLCP?

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 ATLCL and ATLCP valuations compare?

ATLCL at $25.07 and ATLCP at $24.22 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

ATLCL vs ATLCP Valuation Comparison 2026 — Intrinsic Value Analysis

ATLCL

Personal Credit Institutions

Atlanticus Holdings Corporation

Quality

7.7

out of 10

Value Trap

SAFE

Price

$25.07

Last close

Models

6/13

Active

ATLCP

Personal Credit Institutions

Atlanticus Holdings Corporation

Quality

7.7

out of 10

Value Trap

SAFE

Price

$24.22

Last close

Models

6/13

Active

Model-by-Model Comparison

Model	Type	ATLCL Fair Value	ATLCL Upside	ATLCP Fair Value	ATLCP Upside
Earnings Power Value	Intrinsic	$83.75	+234.1%	$83.75	+245.8%
EROIC Spread	Intrinsic	$30.56	+21.9%	$30.56	+26.2%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%

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ATLCL vs ATLCP — Which Stock Is More Undervalued?

Both ATLCL and ATLCP score 7.7/10 on quality. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Atlanticus Holdings Corporation (ATLCL) and Atlanticus Holdings Corporation (ATLCP) 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.

ATLCL currently trades at $25.07 with a QOC of 7.7/10, while ATLCP trades at $24.22 with a QOC of 7.7/10.

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).