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.

Compare

Total return — ATLC vs CASH

growth of $100 · dividends reinvested · last 10y
ATLC +2985.0% (+40.9%/yr)CASH +246.6% (+13.2%/yr)ATLC compounded faster over this window
Log scale — wide-divergence pair
101001k10kStart $10020182020202220242026$3,085$347
ATLC CASH

ATLC 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

MetricATLCCASH
P/E ratio12.169.26
Forward P/E9.687.70
PEG ratio1.420.43
P/S ratio0.851.94
P/B ratio2.011.83

Profitability

MetricATLCCASH
Operating margin17.73%26.21%
Net margin9.30%21.88%
ROE20.76%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

MetricATLCCASH
Dividend yieldN/A0.27%
Payout ratioN/A2.51%

Growth (annualized)

MetricATLCCASH
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.

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.