Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 (ATLCZ) vs Pathward Financial, Inc. (CASH)
A side-by-side comparison of Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 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 — ATLCZ vs CASH
growth of $100 · dividends reinvested · last 3yATLCZ vs CASH: by the numbers
- •ATLCZ is the larger company ($1.66B vs $1.54B market cap).
- •ATLCZ trades at the lower trailing earnings multiple (3.28 vs 9.16 P/E), one valuation lens rather than an overall verdict.
- •CASH converts more revenue to profit (21.88% vs 9.30% net margin).
- •ATLCZ grew revenue faster over the past five years (33.60% vs 9.66% CAGR).
- •ATLCZ pays the higher dividend yield (9.20% vs 0.27%).
Metrics side by side
Valuation
| Metric | ATLCZ | CASH |
|---|---|---|
| P/E ratio | 3.28 | 9.16 |
| Forward P/E | N/A | 7.61 |
| PEG ratio | 0.38 | 0.42 |
| P/S ratio | 1.00 | 1.92 |
| P/B ratio | 2.37 | 1.81 |
Profitability
| Metric | ATLCZ | CASH |
|---|---|---|
| Operating margin | 17.73% | 26.21% |
| Net margin | 9.30% | 21.88% |
| ROE | 20.76% | 20.65% |
Atlanticus Holdings Corporation 9.25% Senior Notes due 2029: 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 | ATLCZ | CASH |
|---|---|---|
| Dividend yield | 9.20% | 0.27% |
| Payout ratio | 30.19% | 2.51% |
Growth (annualized)
| Metric | ATLCZ | CASH |
|---|---|---|
| Revenue CAGR (5Y) | 33.60% | 9.66% |
| EPS CAGR (5Y) | 6.79% | 21.89% |
| Total return CAGR (5Y) | N/A | 6.13% |
Frequently asked
- Which has the lower trailing P/E, ATLCZ or CASH?
- ATLCZ has the lower trailing P/E: ATLCZ trades at 3.28 and CASH at 9.16. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, ATLCZ or CASH?
- Over the past five years, ATLCZ grew revenue faster — ATLCZ at a 33.60% CAGR versus CASH at 9.66%.
- Does ATLCZ or CASH pay a bigger dividend?
- ATLCZ yields 9.20% and CASH yields 0.27% based on trailing dividends and the latest price.
- Is ATLCZ or CASH more profitable?
- CASH runs the higher net margin — ATLCZ at 9.30% versus CASH at 21.88%.
Go deeper
Dig into the metrics
Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 & 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.