ATLC
Price
$53.72
Change
+$0.25 (+0.47%)
Updated
Oct 17, 04:59 PM (EDT)
Capitalization
808.76M
20 days until earnings call
SYF
Price
$71.51
Change
+$1.26 (+1.79%)
Updated
Oct 17, 04:59 PM (EDT)
Capitalization
25.75B
97 days until earnings call
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ATLC vs SYF

Header iconATLC vs SYF Comparison
Open Charts ATLC vs SYFBanner chart's image
Atlanticus Holdings
Price$53.72
Change+$0.25 (+0.47%)
Volume$809
Capitalization808.76M
Synchrony Financial
Price$71.51
Change+$1.26 (+1.79%)
Volume$88.38K
Capitalization25.75B
ATLC vs SYF Comparison Chart in %
ATLC
Daily Signalchanged days ago
Gain/Loss if bought
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SYF
Daily Signalchanged days ago
Gain/Loss if bought
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ATLC vs. SYF commentary
Oct 18, 2025

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 SYF is a Hold.

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COMPARISON
Comparison
Oct 18, 2025
Stock price -- (ATLC: $53.47 vs. SYF: $70.25)
Brand notoriety: ATLC: Not notable vs. SYF: Notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: ATLC: 112% vs. SYF: 169%
Market capitalization -- ATLC: $812.54M vs. SYF: $25.75B
ATLC [@Savings Banks] is valued at $812.54M. SYF’s [@Savings Banks] market capitalization is $25.75B. The market cap for tickers in the [@Savings Banks] industry ranges from $663.59B to $0. The average market capitalization across the [@Savings Banks] industry is $21.22B.

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 0 FA rating(s) are green whileSYF’s FA Score has 1 green FA rating(s).

  • ATLC’s FA Score: 0 green, 5 red.
  • SYF’s FA Score: 1 green, 4 red.
According to our system of comparison, SYF 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 4 TA indicator(s) are bullish while SYF’s TA Score has 4 bullish TA indicator(s).

  • ATLC’s TA Score: 4 bullish, 6 bearish.
  • SYF’s TA Score: 4 bullish, 5 bearish.
According to our system of comparison, SYF is a better buy in the short-term than ATLC.

Price Growth

ATLC (@Savings Banks) experienced а -7.51% price change this week, while SYF (@Savings Banks) price change was -1.04% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was +1.11%. For the same industry, the average monthly price growth was -3.04%, and the average quarterly price growth was +45.96%.

Reported Earning Dates

ATLC is expected to report earnings on Nov 06, 2025.

SYF is expected to report earnings on Jan 23, 2026.

Industries' Descriptions

@Savings Banks (+1.11% 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
SYF($25.8B) has a higher market cap than ATLC($809M). ATLC has higher P/E ratio than SYF: ATLC (9.40) vs SYF (7.84). SYF YTD gains are higher at: 9.549 vs. ATLC (-4.141). ATLC has less debt than SYF: ATLC (2.8B) vs SYF (16B). SYF has higher revenues than ATLC: SYF (16B) vs ATLC (342M).
ATLCSYFATLC / SYF
Capitalization809M25.8B3%
EBITDAN/AN/A-
Gain YTD-4.1419.549-43%
P/E Ratio9.407.84120%
Revenue342M16B2%
Total CashN/AN/A-
Total Debt2.8B16B17%
FUNDAMENTALS RATINGS
ATLC vs SYF: Fundamental Ratings
ATLC
SYF
OUTLOOK RATING
1..100
211
VALUATION
overvalued / fair valued / undervalued
1..100
54
Fair valued
73
Overvalued
PROFIT vs RISK RATING
1..100
5925
SMR RATING
1..100
100100
PRICE GROWTH RATING
1..100
9436
P/E GROWTH RATING
1..100
3942
SEASONALITY SCORE
1..100
n/a85

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.

ATLC's Valuation (54) in the Finance Or Rental Or Leasing industry is in the same range as SYF (73). This means that ATLC’s stock grew similarly to SYF’s over the last 12 months.

SYF's Profit vs Risk Rating (25) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for ATLC (59). This means that SYF’s stock grew somewhat faster than ATLC’s over the last 12 months.

SYF's SMR Rating (100) in the Finance Or Rental Or Leasing industry is in the same range as ATLC (100). This means that SYF’s stock grew similarly to ATLC’s over the last 12 months.

SYF's Price Growth Rating (36) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for ATLC (94). This means that SYF’s stock grew somewhat faster than ATLC’s over the last 12 months.

ATLC's P/E Growth Rating (39) in the Finance Or Rental Or Leasing industry is in the same range as SYF (42). This means that ATLC’s stock grew similarly to SYF’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
ATLCSYF
RSI
ODDS (%)
Bullish Trend 2 days ago
79%
Bullish Trend 2 days ago
71%
Stochastic
ODDS (%)
Bullish Trend 2 days ago
83%
Bullish Trend 2 days ago
70%
Momentum
ODDS (%)
Bearish Trend 2 days ago
72%
Bearish Trend 2 days ago
71%
MACD
ODDS (%)
Bearish Trend 2 days ago
76%
N/A
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
78%
Bearish Trend 2 days ago
65%
TrendMonth
ODDS (%)
Bearish Trend 2 days ago
76%
Bearish Trend 2 days ago
67%
Advances
ODDS (%)
Bullish Trend 4 days ago
84%
Bullish Trend 4 days ago
66%
Declines
ODDS (%)
Bearish Trend 2 days ago
76%
Bearish Trend 2 days ago
62%
BollingerBands
ODDS (%)
Bullish Trend 2 days ago
86%
Bullish Trend 2 days ago
82%
Aroon
ODDS (%)
Bearish Trend 2 days ago
86%
Bearish Trend 2 days ago
68%
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ATLC
Daily Signalchanged days ago
Gain/Loss if bought
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SYF
Daily Signalchanged days ago
Gain/Loss if bought
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ATLC and

Correlation & Price change

A.I.dvisor indicates that over the last year, ATLC has been closely correlated with AL. These tickers have moved in lockstep 66% of the time. This A.I.-generated data suggests there is a high statistical probability that if ATLC jumps, then AL could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To ATLC
1D Price
Change %
ATLC100%
-7.70%
AL - ATLC
66%
Closely correlated
+0.08%
SYF - ATLC
65%
Loosely correlated
-2.86%
OMF - ATLC
65%
Loosely correlated
-3.29%
BFH - ATLC
64%
Loosely correlated
-3.58%
AXP - ATLC
64%
Loosely correlated
-2.28%
More

SYF and

Correlation & Price change

A.I.dvisor indicates that over the last year, SYF has been closely correlated with BFH. These tickers have moved in lockstep 89% of the time. This A.I.-generated data suggests there is a high statistical probability that if SYF jumps, then BFH could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To SYF
1D Price
Change %
SYF100%
-2.86%
BFH - SYF
89%
Closely correlated
-3.58%
COF - SYF
88%
Closely correlated
-5.56%
AXP - SYF
85%
Closely correlated
-2.28%
OMF - SYF
82%
Closely correlated
-3.29%
ENVA - SYF
79%
Closely correlated
-4.15%
More