Atlanticus Holdings Corporation

10-Year Study

ATLC.US · Financial Services · US · Common Stock

Executive Summary: Atlanticus Holdings Corporation has compounded at 37.1% annually over the last 10 years, with a maximum drawdown of 66.8% and an annualized volatility of 69.3%.

1Y CAGR
+40.4%
3Y CAGR
+24.9%
5Y CAGR
+11.3%
10Y CAGR
+37.1%

History & Riski10-year historical performance analysis including CAGR, Max Drawdown, Sharpe & Sortino ratios, annual returns, and rolling volatility — all computed from daily market data.

10-Year Growth of $10,000

Max DrawdownMax DrawdownThe largest peak-to-trough decline in the asset's value over the measurement period.Click for full definition →
66.8%
Sharpe RatioSharpe RatioRisk-adjusted return: how much excess return you earn per unit of total risk (volatility).Click for full definition →
0.89
Sortino RatioSortino RatioLike Sharpe, but only penalizes downside volatility — a more accurate risk measure for asymmetric return distributions.Click for full definition →
2.29
Ann. VolatilityAnnualized VolatilityThe annualized standard deviation of an asset's returns — a measure of how much prices fluctuate.Click for full definition →
62.3%
Best YearBest & Worst YearThe single calendar year with the highest and lowest return in the measured period.Click for full definition →
2021 · +189.6%
Worst YearBest & Worst YearThe single calendar year with the highest and lowest return in the measured period.Click for full definition →
2022 · -63.3%
% Positive Years% Positive YearsThe percentage of calendar years in the measurement period where the asset delivered a positive return.Click for full definition →
80%

Annual Returns

Rolling 12-Month Returns

Rolling 12-Month Annualised Volatility

Historical Drawdowns

Monthly Returns

Monthly Returns Heatmap

YearJanFebMarAprMayJunJulAugSepOctNovDecAnn.
2026-22.91.30.327.6————————0.0%
20256.6-7.6-6.97.2-10.511.6-9.434.4-12.2-5.97.013.620.0%
2024-10.3-4.4-10.7-10.6-2.89.626.9-1.2-0.86.056.7-4.344.2%
202324.0-1.4-15.47.519.920.2-3.1-14.3-13.2-3.55.525.347.6%
2022-9.8-17.2-2.8-16.9-9.6-9.69.9-26.3-7.98.90.8-9.0-63.3%
20214.52.115.43.126.70.29.547.7-17.446.0-23.320.0189.6%
202054.9-6.9-23.762.3-9.9-28.7-21.04.040.0-3.831.064.2173.4%
20195.8-6.0-6.13.2-0.616.016.534.731.3-5.30.513.3147.5%
2018-7.50.9-8.97.8-20.518.311.122.65.011.515.5-4.551.7%
2017-0.1-4.8-1.9-1.9-6.99.8-7.1-0.8-4.1-2.1-5.710.6-15.5%
2016———0.3-2.3-1.02.74.7-3.815.9-14.2-5.1-5.4%

Risk X-RayiA 19-factor macroeconomic risk decomposition showing exactly which market forces (equity beta, rates, inflation, credit, commodity, crypto) drive this asset's volatility. Powered by multivariate regression against daily factor returns.

Risk Profile Insight: This asset has an estimated annualized volatility of 69.3%. The dominant macroeconomic risk driver is SHV.US, accounting for 43.8% of variance. Idiosyncratic stock-specific factors contribute 23.6%.

10-Year Historical Price Series (Growth of $10,000)
DateSimulated Value
2016-03-0110000
2016-04-0110033.333333333332
2016-05-019800
2016-06-019700
2016-07-019966.666666666668
2016-08-0110433.333333333332
2016-09-0110033.333333333332
2016-10-0111633.333333333334
2016-11-019976.666666666666
2016-12-019464
2017-01-019458
2017-02-019000
2017-03-018833.333333333334
2017-04-018666.666666666666
2017-05-018072.666666666667
2017-06-018866.666666666668
2017-07-018233.333333333334
2017-08-018166.666666666668
2017-09-017833.333333333333
2017-10-017666.666666666666
2017-11-017233.333333333333
2017-12-017999.999999999999
2018-01-017400.000000000001
2018-02-017463.000000000001
2018-03-016800.000000000001
2018-04-017333.333333333334
2018-05-015833.333333333334
2018-06-016899.999999999999
2018-07-017666.666666666666
2018-08-019400
2018-09-019866.666666666666
2018-10-0110999.999999999998
2018-11-0112700
2018-12-0112133.333333333334
2019-01-0112833.333333333334
2019-02-0112066.666666666668
2019-03-0111333.333333333334
2019-04-0111700
2019-05-0111633.333333333334
2019-06-0113499.999999999998
2019-07-0115733.333333333332
2019-08-0121200
2019-09-0127833.333333333332
2019-10-0126366.666666666668
2019-11-0126500
2019-12-0130033.333333333336
2020-01-0146533.333333333336
2020-02-0143333.33333333333
2020-03-0133066.666666666664
2020-04-0153666.66666666667
2020-05-0148333.33333333333
2020-06-0134466.666666666664
2020-07-0127233.333333333332
2020-08-0128333.333333333336
2020-09-0139666.666666666664
2020-10-0138166.666666666664
2020-11-0150000
2020-12-0182099.99999999999
2021-01-0185766.66666666666
2021-02-0187600
2021-03-01101100
2021-04-01104200
2021-05-01132033.33333333334
2021-06-01132333.33333333334
2021-07-01144933.3333333333
2021-08-01214000.00000000003
2021-09-01176866.6666666667
2021-10-01258299.99999999997
2021-11-01198100
2021-12-01237733.33333333328
2022-01-01214366.6666666667
2022-02-01177566.6666666667
2022-03-01172633.3333333333
2022-04-01143466.66666666666
2022-05-01129699.99999999999
2022-06-01117233.33333333334
2022-07-01128800.00000000001
2022-08-0194900
2022-09-0187433.33333333334
2022-10-0195200
2022-11-0196000
2022-12-0187333.33333333333
2023-01-01108333.33333333334
2023-02-01106833.33333333331
2023-03-0190433.33333333333
2023-04-0197200
2023-05-01116533.33333333334
2023-06-01140033.3333333333
2023-07-01135666.6666666667
2023-08-01116333.33333333333
2023-09-01101033.33333333333
2023-10-0197533.33333333334
2023-11-01102900.00000000001
2023-12-01128900
2024-01-01115633.33333333333
2024-02-01110499.99999999999
2024-03-0198633.33333333333
2024-04-0188166.66666666667
2024-05-0185666.66666666667
2024-06-0193933.33333333333
2024-07-01119233.33333333334
2024-08-01117833.33333333333
2024-09-01116933.33333333333
2024-10-01123966.66666666667
2024-11-01194199.99999999997
2024-12-01185933.33333333334
2025-01-01198233.33333333334
2025-02-01183100
2025-03-01170500
2025-04-01182733.33333333334
2025-05-01163499.99999999997
2025-06-01182500
2025-07-01165433.33333333334
2025-08-01222333.33333333334
2025-09-01195266.6666666667
2025-10-01183700
2025-11-01196500.00000000003
2025-12-01223166.66666666666
2026-01-01172100
2026-02-01174366.6666666667
2026-03-01174899.99999999997
2026-04-01223199.99999999997
Annual Return Matrix
YearAnnual Return
2017-0.15469146238377007
20180.5166666666666668
20191.475274725274725
20201.7336293007769146
20211.8956557044254971
2022-0.6326416152551879
20230.47595419847328246
20240.4424618567364882
20250.20025098601649338
20260.00014936519790875735
Total Factor Risk
0.6931402528779093
VTI.US Exposure
-0.09431273020869771
VEA.US Exposure
-0.05352044075004939
VWO.US Exposure
0.004040520337222196
QQQ.US Exposure
0.12627229899472525
VTV.US Exposure
0.007501101237238353
IJR.US Exposure
0.17076870469433678
QUAL.US Exposure
-0.01263836958097659
SHV.US Exposure
0.4376838989123443
TLT.US Exposure
0.0032908030978943265
LQD.US Exposure
-0.011143751662964016
HYG.US Exposure
0.05559704730195391
GLD.US Exposure
0.0027398396696587464
USO.US Exposure
0.001145408433172957
VNQ.US Exposure
0.013827478108711008
BTC-USD.CC Exposure
0.007686830387985975
CPER.US Exposure
-0.007450129399392099
VIX.INDX Exposure
0.06458437026388712
UUP.US Exposure
0.04738663211502098
TIP.US Exposure
0.0005990079734345668
Idiosyncratic Exposure
0.23594148007449325
Value Score
46.4
Growth Score
50
Profit Score
37.5
Health Score
23.6
Yield Score
0
Moat Score
40

Factor Risk Decomposition

Share of annualised volatility attributable to each macro factor.

Total Est. Vol
69.3%

FundamentalsiCompany financial health metrics: P/E valuation, dividend yield, Piotroski F-Score (9-point profitability signal), Altman Z-Score (bankruptcy risk proxy), and a radar chart across 6 fundamental dimensions. Note: ETFs may show N/A for some metrics.

Fundamental Dimensions

Core Valuation

P/E Ratio (TTM)P/E RatioPrice-to-Earnings ratio — the market price of a stock divided by its earnings per share, a key valuation measure.Click for full definition →9.0x
Dividend YieldDividend YieldAnnual dividend paid per share divided by the current share price — expressed as a percentage income return.Click for full definition →0.00%
Market Cap$809.3M
Piotroski F-ScorePiotroski F-ScoreA 9-point scoring system evaluating a company's financial strength across profitability, leverage, and operating efficiency.Click for full definition →
9-point profitability signal
0.0/ 9
Weak
Altman Z-ScoreAltman Z-ScoreA bankruptcy prediction model that combines 5 financial ratios into a single score indicating financial distress risk.Click for full definition →
Bankruptcy risk proxy
1.18
Distress Zone
Income Simulation

Based on $10,000 initial investment.

Total Income Generated
$0
Avg Yield on Cost
0.00%

Momentum & MacroiPrice momentum indicators relative to key technical levels: distance from 50-Day SMA (intermediate trend), 200-Day SMA (long-term trend), 52-Week High (bullish proximity), and Beta (market sensitivity coefficient).

vs 50-Day SMAMoving Averages (SMA)A rolling average of an asset's price over a defined window — used to identify trends and momentum signals.Click for full definition →
+20.3%
Above/below 50-day moving average
vs 200-Day SMAMoving Averages (SMA)A rolling average of an asset's price over a defined window — used to identify trends and momentum signals.Click for full definition →
+14.3%
Above/below 200-day moving average
vs 52-Week High52-Week HighThe highest price an asset reached in the past 52 weeks — a key reference for momentum and valuation context.Click for full definition →
12.1% from high
Distance from 52-week high
BetaBetaA measure of an asset's sensitivity to broad market movements relative to a benchmark (e.g. S&P 500).Click for full definition →
1.88
Market sensitivity coefficient

Frequently Asked Questions & Methodology

Is Atlanticus Holdings Corporation a high-risk investment?

Atlanticus Holdings Corporation (ATLC.US) has an annualized volatility of 69.3% and experienced a maximum drawdown of 66.8% over the last 10 years. Its primary macro risk driver is SHV.US.

What is the 10-year return of ATLC.US?

Over the past 10 years, ATLC.US has generated a Compound Annual Growth Rate (CAGR) of 37.1%. It has had a positive return in 80% of the years measured.

Data Methodology & Trust

The risk and return information on this page is pre-calculated mathematically using daily market data spanning a 10-year period. Fundamentals (such as P/E Ratio, Market Cap, and Dividend Yield) represent trailing averages and may not immediately reflect real-time live market fluctuations. Advanced scoring models like the Piotroski F-Score and Altman Z-Score are proxies applied to publicly available trailing-twelve-month financial statements and may not account for recent off-balance-sheet events, qualitative company shifts, or sector-specific capital structures. Macroeconomic factor exposures are estimated via multivariate regression against standard market indices. This data is provided for quantitative insight and backtesting research, and should not be misconstrued as tailored financial advice.

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