Atlanticus vs Amalgamated Financial

Atlanticus and Amalgamated Financial are compared on this page to illuminate their business models, financial performance, and market context. The discussion is neutral and accessible, designed to help readers understand how each company operates, competes, and positions itself within the industry. Educational content, not financial advice.

Atlanticus and Amalgamated Financial are compared on this page to illuminate their business models, financial performance, and market context. The discussion is neutral and accessible, designed to hel...

Comparison Snapshot

Key Financial Metrics

ATLC

Metric

AMAL

$868.06M

Market Cap

$1.01B

44.47%

Potential Profit

-4.25%

Buy

Analyst Rating

Buy

Investment Analysis

Atlanticus

ATLC

Pros

Atlanticus Holdings has demonstrated solid revenue growth with 2024 revenues up 12.92% year-over-year to nearly $400 million.
The company has a strong net income growth of 12.52% in 2024 and a healthy return on equity around 25.38%.
Analysts generally recommend Atlanticus with majority buy ratings and an average price target implying about 25% upside from current levels.

Considerations

The company operates in a highly cyclical and competitive fintech credit market which may face regulatory headwinds and credit risk.
Profit margin and net margin forecasts for 2025 indicate some volatility, suggesting potential earnings pressure despite revenue growth.
Atlanticus's stock is relatively volatile with a beta near 2.0, indicating higher risk relative to the market.

Amalgamated Financial

AMAL

Pros

Amalgamated Financial Corp has a focused business model as a community bank that benefits from close customer relationships and local market knowledge.
The company typically maintains a conservative balance sheet with solid liquidity and low credit risk compared to fintech peers.
Amalgamated has shown consistent profitability and some growth potential driven by interest rate environment and sustainable lending practices.

Considerations

As a smaller regional bank, Amalgamated faces competitive pressures from larger national banks and fintech disruptors.
Its geographic concentration may expose it to localized economic downturns and regulatory changes impacting community banks.
The bank’s growth prospects may be limited compared to fintech companies due to a more traditional business model and slower adoption of digital innovations.

About The Companies

Atlanticus (ATLC)

Atlanticus Holdings Corp (ATLC) is a US-focused consumer financial services company with a market capitalisation of roughly $842m. The firm operates through subsidiaries that originate and service consumer credit products and distribute payment and prepaid solutions in partnership with banks and merchants. Investors should note the business combines lending — which exposes it to credit performance and economic cycles — with fee and interchange revenue from payment programmes. Earnings and capital metrics can be sensitive to interest-rate moves, borrower credit quality and regulatory developments affecting consumer finance. Atlanticus’s modest scale versus large banks can offer potential for growth but also greater volatility; underwriting standards, loss reserves and liquidity are key indicators to monitor. This summary provides general educational information, not personal investment advice. Suitability depends on your financial circumstances and objectives; consider reviewing official filings and consulting a qualified financial adviser before making investment decisions.

Amalgamated Financial (AMAL)

Amalgamated Financial Corp. operates as a bank holding company for its subsidiary, Amalgamated Bank. Describing itself as America's socially responsible bank, it provides a full suite of commercial and retail banking services, alongside trust and investment management. With branches in New York City, Washington D.C., and San Francisco, it serves a diverse client base including commercial businesses, individuals, and not-for-profit organisations. Its product offerings are extensive, covering everything from commercial real estate and industrial loans to residential mortgages and consumer loans, with a notable focus on residential solar financing. For investors, Amalgamated Financial represents a long-established institution in the banking sector with a distinct mission-driven approach. As with any investment, its value can go down as well as up, and returns are not guaranteed.

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Comparison Snapshot