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.

Compare

Total return — ATLCZ vs CASH

growth of $100 · dividends reinvested · last 3y
ATLCZ +30.4% (+9.3%/yr)CASH +42.9% (+12.6%/yr)CASH compounded faster over this window
100120140160180Start $10020252026$130$143
ATLCZ CASH

ATLCZ 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

MetricATLCZCASH
P/E ratio3.289.16
Forward P/EN/A7.61
PEG ratio0.380.42
P/S ratio1.001.92
P/B ratio2.371.81

Profitability

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

MetricATLCZCASH
Dividend yield9.20%0.27%
Payout ratio30.19%2.51%

Growth (annualized)

MetricATLCZCASH
Revenue CAGR (5Y)33.60%9.66%
EPS CAGR (5Y)6.79%21.89%
Total return CAGR (5Y)N/A6.13%

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%.

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.