ATLC
Price
$58.54
Change
+$1.52 (+2.67%)
Updated
Aug 11, 11:30 AM (EDT)
Capitalization
859.43M
87 days until earnings call
SYF
Price
$69.61
Change
+$0.18 (+0.26%)
Updated
Aug 11, 04:59 PM (EDT)
Capitalization
25.83B
78 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$58.54
Change+$1.52 (+2.67%)
Volume$100
Capitalization859.43M
Synchrony Financial
Price$69.61
Change+$0.18 (+0.26%)
Volume$35.48K
Capitalization25.83B
ATLC vs SYF Comparison Chart in %
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ATLC
Daily Signalchanged days ago
Gain/Loss if bought
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SYF
Daily Signalchanged days ago
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ATLC vs. SYF commentary
Aug 11, 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 Buy and SYF is a Hold.

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COMPARISON
Comparison
Aug 11, 2025
Stock price -- (ATLC: $57.02 vs. SYF: $69.43)
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: 102% vs. SYF: 82%
Market capitalization -- ATLC: $859.43M vs. SYF: $25.83B
ATLC [@Savings Banks] is valued at $859.43M. SYF’s [@Savings Banks] market capitalization is $25.83B. The market cap for tickers in the [@Savings Banks] industry ranges from $653.67B to $0. The average market capitalization across the [@Savings Banks] industry is $21.16B.

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 2 FA rating(s) are green whileSYF’s FA Score has 3 green FA rating(s).

  • ATLC’s FA Score: 2 green, 3 red.
  • SYF’s FA Score: 3 green, 2 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 6 TA indicator(s) are bullish while SYF’s TA Score has 3 bullish TA indicator(s).

  • ATLC’s TA Score: 6 bullish, 5 bearish.
  • SYF’s TA Score: 3 bullish, 5 bearish.
According to our system of comparison, ATLC is a better buy in the short-term than SYF.

Price Growth

ATLC (@Savings Banks) experienced а +18.74% price change this week, while SYF (@Savings Banks) price change was +3.26% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was +0.14%. For the same industry, the average monthly price growth was +0.48%, and the average quarterly price growth was +20.12%.

Reported Earning Dates

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

SYF is expected to report earnings on Oct 28, 2025.

Industries' Descriptions

@Savings Banks (+0.14% 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($859M). ATLC has higher P/E ratio than SYF: ATLC (9.99) vs SYF (8.44). SYF YTD gains are higher at: 8.270 vs. ATLC (2.223). ATLC has less debt than SYF: ATLC (2.5B) vs SYF (16B).
ATLCSYFATLC / SYF
Capitalization859M25.8B3%
EBITDAN/AN/A-
Gain YTD2.2238.27027%
P/E Ratio9.998.44118%
Revenue317MN/A-
Total CashN/AN/A-
Total Debt2.5B16B16%
FUNDAMENTALS RATINGS
ATLC vs SYF: Fundamental Ratings
ATLC
SYF
OUTLOOK RATING
1..100
5050
VALUATION
overvalued / fair valued / undervalued
1..100
57
Fair valued
74
Overvalued
PROFIT vs RISK RATING
1..100
5422
SMR RATING
1..100
124
PRICE GROWTH RATING
1..100
4544
P/E GROWTH RATING
1..100
1923
SEASONALITY SCORE
1..100
n/a50

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 (57) in the Finance Or Rental Or Leasing industry is in the same range as SYF (74). This means that ATLC’s stock grew similarly to SYF’s over the last 12 months.

SYF's Profit vs Risk Rating (22) in the Finance Or Rental Or Leasing industry is in the same range as ATLC (54). This means that SYF’s stock grew similarly to ATLC’s over the last 12 months.

SYF's SMR Rating (4) in the Finance Or Rental Or Leasing industry is in the same range as ATLC (12). This means that SYF’s stock grew similarly to ATLC’s over the last 12 months.

SYF's Price Growth Rating (44) in the Finance Or Rental Or Leasing industry is in the same range as ATLC (45). This means that SYF’s stock grew similarly to ATLC’s over the last 12 months.

ATLC's P/E Growth Rating (19) in the Finance Or Rental Or Leasing industry is in the same range as SYF (23). This means that ATLC’s stock grew similarly to SYF’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
ATLCSYF
RSI
ODDS (%)
Bearish Trend 4 days ago
71%
Bearish Trend 4 days ago
65%
Stochastic
ODDS (%)
Bullish Trend 4 days ago
78%
Bullish Trend 4 days ago
69%
Momentum
ODDS (%)
Bullish Trend 4 days ago
76%
Bearish Trend 4 days ago
56%
MACD
ODDS (%)
Bullish Trend 4 days ago
79%
Bearish Trend 4 days ago
66%
TrendWeek
ODDS (%)
Bullish Trend 4 days ago
82%
Bullish Trend 4 days ago
73%
TrendMonth
ODDS (%)
Bullish Trend 4 days ago
84%
Bearish Trend 4 days ago
67%
Advances
ODDS (%)
Bullish Trend 6 days ago
84%
Bullish Trend 20 days ago
67%
Declines
ODDS (%)
Bearish Trend 18 days ago
76%
Bearish Trend 5 days ago
61%
BollingerBands
ODDS (%)
Bearish Trend 4 days ago
72%
Bearish Trend 4 days ago
63%
Aroon
ODDS (%)
Bullish Trend 4 days ago
75%
Bullish Trend 4 days ago
73%
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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 ENVA. 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 ENVA could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To ATLC
1D Price
Change %
ATLC100%
+14.94%
ENVA - ATLC
67%
Closely correlated
+0.38%
AL - ATLC
66%
Closely correlated
N/A
SYF - ATLC
64%
Loosely correlated
+1.43%
COF - ATLC
64%
Loosely correlated
+0.45%
BFH - ATLC
63%
Loosely correlated
+1.04%
More

SYF and

Correlation & Price change

A.I.dvisor indicates that over the last year, SYF has been closely correlated with COF. These tickers have moved in lockstep 88% of the time. This A.I.-generated data suggests there is a high statistical probability that if SYF jumps, then COF could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To SYF
1D Price
Change %
SYF100%
+1.43%
COF - SYF
88%
Closely correlated
+0.45%
BFH - SYF
86%
Closely correlated
+1.04%
AXP - SYF
84%
Closely correlated
+0.92%
OMF - SYF
81%
Closely correlated
+0.40%
ENVA - SYF
80%
Closely correlated
+0.38%
More