ATLC
Price
$60.56
Change
+$0.79 (+1.32%)
Updated
Jan 14 closing price
Capitalization
916.97M
62 days until earnings call
Intraday BUY SELL Signals
BFH
Price
$69.00
Change
-$0.79 (-1.13%)
Updated
Jan 14 closing price
Capitalization
3.15B
14 days until earnings call
Intraday BUY SELL Signals
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ATLC vs BFH

Header iconATLC vs BFH Comparison
Open Charts ATLC vs BFHBanner chart's image
Atlanticus Holdings
Price$60.56
Change+$0.79 (+1.32%)
Volume$72.4K
Capitalization916.97M
Bread Financial Holdings
Price$69.00
Change-$0.79 (-1.13%)
Volume$1.6M
Capitalization3.15B
ATLC vs BFH Comparison Chart in %
ATLC
Daily Signal:
Gain/Loss:
BFH
Daily Signal:
Gain/Loss:
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VS
ATLC vs. BFH commentary
Jan 15, 2026

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is ATLC is a Hold and BFH is a Hold.

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COMPARISON
Comparison
Jan 15, 2026
Stock price -- (ATLC: $60.56 vs. BFH: $69.00)
Brand notoriety: ATLC: Not notable vs. BFH: Notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: ATLC: 95% vs. BFH: 199%
Market capitalization -- ATLC: $916.97M vs. BFH: $3.15B
ATLC [@Savings Banks] is valued at $916.97M. BFH’s [@Savings Banks] market capitalization is $3.15B. The market cap for tickers in the [@Savings Banks] industry ranges from $634.65B to $0. The average market capitalization across the [@Savings Banks] industry is $21.95B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

ATLC’s FA Score shows that 1 FA rating(s) are green whileBFH’s FA Score has 1 green FA rating(s).

  • ATLC’s FA Score: 1 green, 4 red.
  • BFH’s FA Score: 1 green, 4 red.
According to our system of comparison, BFH is a better buy in the long-term than ATLC.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

ATLC’s TA Score shows that 5 TA indicator(s) are bullish while BFH’s TA Score has 4 bullish TA indicator(s).

  • ATLC’s TA Score: 5 bullish, 4 bearish.
  • BFH’s TA Score: 4 bullish, 5 bearish.
According to our system of comparison, ATLC is a better buy in the short-term than BFH.

Price Growth

ATLC (@Savings Banks) experienced а -11.58% price change this week, while BFH (@Savings Banks) price change was -13.73% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was -1.13%. For the same industry, the average monthly price growth was -0.86%, and the average quarterly price growth was +1.72%.

Reported Earning Dates

ATLC is expected to report earnings on Mar 18, 2026.

BFH is expected to report earnings on Jan 29, 2026.

Industries' Descriptions

@Savings Banks (-1.13% weekly)

A savings bank primary function is to take deposits and paying interest on those deposits. Originating in Europe during the 18th century, these banks were generally introduced to incentivize people of all stripes to save money and park them with banks. By the 1990s, the internet ushered in online savings banks that allowed savers to deposit/transact with banks digitally, without requiring to visit a branch office. Savings banks have potentially encouraged lower-income population to save and have access to a financial institution to earn interest on their money. New York Community Bancorp, Inc, Webster Financial Corporation, Washington Federal, Inc. are examples of savings banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
BFH($3.15B) has a higher market cap than ATLC($917M). ATLC has higher P/E ratio than BFH: ATLC (10.76) vs BFH (6.98). BFH YTD gains are higher at: -6.795 vs. ATLC (-9.544). BFH has less debt than ATLC: BFH (3.79B) vs ATLC (6.06B). BFH has higher revenues than ATLC: BFH (3.8B) vs ATLC (369M).
ATLCBFHATLC / BFH
Capitalization917M3.15B29%
EBITDAN/AN/A-
Gain YTD-9.544-6.795140%
P/E Ratio10.766.98154%
Revenue369M3.8B10%
Total CashN/AN/A-
Total Debt6.06B3.79B160%
FUNDAMENTALS RATINGS
ATLC vs BFH: Fundamental Ratings
ATLC
BFH
OUTLOOK RATING
1..100
6672
VALUATION
overvalued / fair valued / undervalued
1..100
49
Fair valued
36
Fair valued
PROFIT vs RISK RATING
1..100
6280
SMR RATING
1..100
128
PRICE GROWTH RATING
1..100
5746
P/E GROWTH RATING
1..100
7178
SEASONALITY SCORE
1..100
5050

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

BFH's Valuation (36) in the Data Processing Services industry is in the same range as ATLC (49) in the Finance Or Rental Or Leasing industry. This means that BFH’s stock grew similarly to ATLC’s over the last 12 months.

ATLC's Profit vs Risk Rating (62) in the Finance Or Rental Or Leasing industry is in the same range as BFH (80) in the Data Processing Services industry. This means that ATLC’s stock grew similarly to BFH’s over the last 12 months.

BFH's SMR Rating (8) in the Data Processing Services industry is in the same range as ATLC (12) in the Finance Or Rental Or Leasing industry. This means that BFH’s stock grew similarly to ATLC’s over the last 12 months.

BFH's Price Growth Rating (46) in the Data Processing Services industry is in the same range as ATLC (57) in the Finance Or Rental Or Leasing industry. This means that BFH’s stock grew similarly to ATLC’s over the last 12 months.

ATLC's P/E Growth Rating (71) in the Finance Or Rental Or Leasing industry is in the same range as BFH (78) in the Data Processing Services industry. This means that ATLC’s stock grew similarly to BFH’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
ATLCBFH
RSI
ODDS (%)
Bullish Trend 3 days ago
90%
Bearish Trend 3 days ago
78%
Stochastic
ODDS (%)
Bullish Trend 3 days ago
73%
Bearish Trend 3 days ago
82%
Momentum
ODDS (%)
Bearish Trend 3 days ago
75%
Bearish Trend 3 days ago
81%
MACD
ODDS (%)
Bearish Trend 3 days ago
76%
Bearish Trend 3 days ago
82%
TrendWeek
ODDS (%)
Bearish Trend 3 days ago
78%
Bearish Trend 3 days ago
77%
TrendMonth
ODDS (%)
Bearish Trend 3 days ago
75%
Bearish Trend 3 days ago
75%
Advances
ODDS (%)
Bullish Trend 9 days ago
84%
Bullish Trend 11 days ago
72%
Declines
ODDS (%)
Bearish Trend 4 days ago
77%
Bearish Trend 3 days ago
77%
BollingerBands
ODDS (%)
Bullish Trend 3 days ago
76%
Bullish Trend 3 days ago
71%
Aroon
ODDS (%)
Bullish Trend 3 days ago
75%
Bullish Trend 3 days ago
76%
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ATLC
Daily Signal:
Gain/Loss:
BFH
Daily Signal:
Gain/Loss:
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ATLC and

Correlation & Price change

A.I.dvisor indicates that over the last year, ATLC has been closely correlated with OMF. These tickers have moved in lockstep 67% of the time. This A.I.-generated data suggests there is a high statistical probability that if ATLC jumps, then OMF could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To ATLC
1D Price
Change %
ATLC100%
+1.32%
OMF - ATLC
67%
Closely correlated
-0.41%
SYF - ATLC
67%
Closely correlated
-0.31%
BFH - ATLC
67%
Closely correlated
-1.13%
AL - ATLC
66%
Closely correlated
-0.09%
ALLY - ATLC
65%
Loosely correlated
+0.30%
More

BFH and

Correlation & Price change

A.I.dvisor indicates that over the last year, BFH has been closely correlated with SYF. These tickers have moved in lockstep 86% of the time. This A.I.-generated data suggests there is a high statistical probability that if BFH jumps, then SYF could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To BFH
1D Price
Change %
BFH100%
-1.13%
SYF - BFH
86%
Closely correlated
-0.31%
OMF - BFH
82%
Closely correlated
-0.41%
COF - BFH
79%
Closely correlated
+1.30%
AXP - BFH
77%
Closely correlated
+0.07%
ALLY - BFH
74%
Closely correlated
+0.30%
More