Atlanticus (ATLC) vs Oportun Financial (OPRT)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 10, 2026.
Summary
Oportun Financial (OPRT) has outperformed Atlanticus (ATLC) over the past year, gaining 65.5% versus a gain of 62.1%. Over five years, ATLC leads with a +50.4% price change compared with -64.7% for OPRT. Atlanticus is the larger company by market cap ($1.42 billion vs $410.2 million), about 3.5 times the size.
On valuation, Oportun Financial trades at a lower forward P/E (4.6x vs 6.9x for Atlanticus).
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | ATLC | OPRT |
|---|---|---|
| Share price | $93.73 | $8.92 |
| Market cap | $1.42B | $410.21M |
| 1-day change | +2.16% | +3.00% |
| YTD return | +40.00% | +68.62% |
| 1-year return | +62.13% | +65.49% |
| 5-year return | +50.45% | -64.69% |
| P/E ratio (TTM) | 11.91 | 22.30 |
| Forward P/E | 6.89 | 4.57 |
| EPS (TTM) | $7.87 | $0.40 |
| Dividend yield | 0.00% | 0.00% |
| Annual dividend | $0.00 | $0.00 |
| Revenue (latest FY) | $1.97B | — |
| Revenue growth (YoY) | +50.09% | — |
| Net income (latest FY) | $122.20M | — |
| Gross margin | 91.83% | — |
| Net margin | 6.21% | — |
| 52-week high | $114.34 | $9.07 |
| 52-week low | $47.50 | $4.03 |
| Distance from 52-week high | -18.03% | -1.65% |
| Analyst consensus | strong_buy | buy |
| Avg. price target upside | +39.34% | +17.71% |
| Average volume | 142.70K | 540.63K |
| Shares outstanding | 15.17M | 45.99M |
| Employees | 576 | 2,405 |
| Sector | Finance | Finance |
| Industry | Finance: Consumer Services | Finance: Consumer Services |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- Atlanticus is about 3.5 times larger than Oportun Financial by market value ($1.42B vs $410.21M).
- Oportun Financial trades at a higher earnings multiple (22.3x vs 11.9x trailing P/E).
About Atlanticus
ATLC stock →Atlanticus Holdings Corporation, a financial technology company, provides products and services to lenders in the United States. The company operates in two segments, Credit as a Service (CaaS) and Auto Finance.
Finance · Finance: Consumer Services · 576 employees
About Oportun Financial
OPRT stock →Oportun Financial Corporation provides financial services in the United States. The company offers personal loans and credit cards.
Finance · Finance: Consumer Services · 2,405 employees
ATLC vs OPRT FAQ
Which is bigger, Atlanticus or Oportun Financial?
Atlanticus (ATLC) is larger, with a market capitalization of $1.42B compared with $410.21M for Oportun Financial (OPRT).
Which stock has performed better over the past year, ATLC or OPRT?
OPRT returned +65.49% over the past 12 months, compared with +62.13% for ATLC (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, ATLC or OPRT?
ATLC has the lower trailing P/E at 11.9, versus 22.3 for OPRT. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Are Atlanticus and Oportun Financial in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.