Atlanticus Holdings Corp. Stock Analysis ATLC

Atlanticus Holdings Corp. is a financial holding company, which engages in the provision of financial technology and related services. The company is headquartered in Atlanta, Georgia and currently employs 576 full-time employees. The firm is focused on facilitating consumer credit through the use of financial technology and related services. The Credit as a Service (CaaS) segment includes its private-label credit and general-purpose credit cards, which, through its bank partners, provide financing solutions to consumers. The Auto Finance segment purchases and/or services loans secured by automobiles and provides other financing options to independent automotive dealers and automotive finance companies. Its private-label and general-purpose card products are originated by The Bank of Missouri and WebBank. Its bank partners originate these accounts through multiple channels, including retail and healthcare point-of-sale locations, direct mail solicitation, digital marketing and partnerships with third parties. The firm uses its technology and proprietary predictive analytics, lenders can make instant credit decisions.