Atlanticus Holdings Corporation (ATLC) vs United Fire Group, Inc. (UFCS)
A side-by-side comparison of Atlanticus Holdings Corporation and United Fire Group, 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 UFCS
growth of $100 · dividends reinvested · last 10yATLC vs UFCS: by the numbers
- •UFCS is the larger company ($1.41B vs $1.41B market cap).
- •UFCS trades at the lower trailing earnings multiple (10.20 vs 12.15 P/E), one valuation lens rather than an overall verdict.
- •UFCS converts more revenue to profit (9.57% vs 9.30% net margin).
- •ATLC grew revenue faster over the past five years (33.60% vs 5.12% CAGR).
- •UFCS pays a dividend (1.39% yield), while ATLC is a former payer with no current dividend run rate.
Metrics side by side
Valuation
| Metric | ATLC | UFCS |
|---|---|---|
| P/E ratio | 12.15 | 10.20 |
| Forward P/E | 9.67 | 11.02 |
| PEG ratio | 1.42 | N/A |
| P/S ratio | 0.85 | 0.96 |
| P/B ratio | 2.00 | 1.44 |
Profitability
| Metric | ATLC | UFCS |
|---|---|---|
| Operating margin | 17.73% | 12.01% |
| Net margin | 9.30% | 9.57% |
| ROE | 20.76% | 14.42% |
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.
United Fire Group, 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 | UFCS |
|---|---|---|
| Dividend yield | N/A | 1.39% |
| Payout ratio | N/A | 14.13% |
Growth (annualized)
| Metric | ATLC | UFCS |
|---|---|---|
| Revenue CAGR (5Y) | 33.60% | 5.12% |
| EPS CAGR (5Y) | 6.79% | N/A |
| Total return CAGR (5Y) | 11.24% | 21.47% |
Frequently asked
- Which has the lower trailing P/E, ATLC or UFCS?
- UFCS has the lower trailing P/E: ATLC trades at 12.15 and UFCS at 10.20. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, ATLC or UFCS?
- Over the past five years, ATLC grew revenue faster — ATLC at a 33.60% CAGR versus UFCS at 5.12%.
- Does ATLC or UFCS pay a bigger dividend?
- UFCS pays a dividend (1.39% yield), while ATLC is a former payer with no current dividend run rate.
- Is ATLC or UFCS more profitable?
- UFCS runs the higher net margin — ATLC at 9.30% versus UFCS at 9.57%.
- How have ATLC and UFCS total returns compared?
- Over the past 10 years, ATLC delivered 40.96% and UFCS delivered 5.28% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Atlanticus & United Fire 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.