Is ATLCP or CPSS more undervalued in 2026?

CirclFi compares Atlanticus Holdings Corporation (ATLCP) and Consumer Portfolio Services, In (CPSS) using 13 institutional-grade valuation models. ATLCP has a Quality of Company score of 7.7/10 while CPSS scores 8.8/10.

Which is a better buy — ATLCP or CPSS?

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 ATLCP and CPSS valuations compare?

ATLCP at $24.18 and CPSS at $9.84 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

ATLCP vs CPSS Valuation Comparison 2026 — Intrinsic Value Analysis

ATLCP

Credit Services

Atlanticus Holdings Corporation

Quality

7.7

out of 10

Value Trap

SAFE

Price

$24.18

Last close

Models

5/13

Active

CPSS

Credit Services

Consumer Portfolio Services, In

Quality

8.8

out of 10

Value Trap

—

Price

$9.84

Last close

Models

7/13

Active

Model-by-Model Comparison

Model	Type	ATLCP Fair Value	ATLCP Upside	CPSS Fair Value	CPSS Upside
Bayesian DCF	Intrinsic	—	—	$38.30	+289.2%
Earnings Power Value	Intrinsic	$83.75	+246.3%	$9.99	+5.2%
EROIC Spread	Intrinsic	$30.56	+26.4%	—	—
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%

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ATLCP vs CPSS — Which Stock Is More Undervalued?

CPSS scores higher with a 8.8/10 quality rating vs ATLCP's 7.7/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Atlanticus Holdings Corporation (ATLCP) and Consumer Portfolio Services, In (CPSS) 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.

ATLCP currently trades at $24.18 with a QOC of 7.7/10, while CPSS trades at $9.84 with a QOC of 8.8/10.

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).