Atlanticus Holdings Corporation (ATLC) vs Pathward Financial, Inc. (CASH)
A side-by-side comparison of Atlanticus Holdings Corporation and Pathward Financial, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — ATLC vs CASH
growth of $100 · dividends reinvested · last 10yATLC vs CASH: by the numbers
- •CASH is the larger company ($1.56B vs $1.41B market cap).
- •CASH trades at the lower trailing earnings multiple (9.26 vs 12.16 P/E), one valuation lens rather than an overall verdict.
- •CASH converts more revenue to profit (21.88% vs 9.30% net margin).
- •ATLC grew revenue faster over the past five years (33.60% vs 9.66% CAGR).
- •CASH pays a dividend (0.27% yield), while ATLC is a former payer with no current dividend run rate.
Metrics side by side
Valuation
| Metric | ATLC | CASH |
|---|---|---|
| P/E ratio | 12.16 | 9.26 |
| Forward P/E | 9.68 | 7.70 |
| PEG ratio | 1.42 | 0.43 |
| P/S ratio | 0.85 | 1.94 |
| P/B ratio | 2.01 | 1.83 |
Profitability
| Metric | ATLC | CASH |
|---|---|---|
| Operating margin | 17.73% | 26.21% |
| Net margin | 9.30% | 21.88% |
| ROE | 20.76% | 20.65% |
Atlanticus Holdings Corporation: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Pathward Financial, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | ATLC | CASH |
|---|---|---|
| Dividend yield | N/A | 0.27% |
| Payout ratio | N/A | 2.51% |
Growth (annualized)
| Metric | ATLC | CASH |
|---|---|---|
| Revenue CAGR (5Y) | 33.60% | 9.66% |
| EPS CAGR (5Y) | 6.79% | 21.89% |
| Total return CAGR (5Y) | 11.24% | 6.13% |
Frequently asked
- Which has the lower trailing P/E, ATLC or CASH?
- CASH has the lower trailing P/E: ATLC trades at 12.16 and CASH at 9.26. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, ATLC or CASH?
- Over the past five years, ATLC grew revenue faster — ATLC at a 33.60% CAGR versus CASH at 9.66%.
- Does ATLC or CASH pay a bigger dividend?
- CASH pays a dividend (0.27% yield), while ATLC is a former payer with no current dividend run rate.
- Is ATLC or CASH more profitable?
- CASH runs the higher net margin — ATLC at 9.30% versus CASH at 21.88%.
- How have ATLC and CASH total returns compared?
- Over the past 10 years, ATLC delivered 40.96% and CASH delivered 13.24% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Atlanticus & Pathward Financial appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.