ATLCP vs PHR

Comparison between Atlanticus Holdings Corp (ATLCP, Company) and Phreesia Inc (PHR, Company).

ATLCP is from the Financial Services sector, while PHR is from the Healthcare sector.

5-Year PerformanceATLCP has outperformed PHR, delivering a return of +8.5% compared to -31.9%

ATLCP vs PHR - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	ATLCP(COMPANY)	PHR(COMPANY)
Market Cap	$613M	$610M
Max Drawdown	37.48%	90.00%
Sharpe Ratio	1.21	-1.50
5Y Beta	0.11	0.98
Industry	Credit Services	Health Information Services
P/E Ratio	3.20	155.59
Forward P/E	N/A	14.12
Debt to Equity	N/A	0.17%
Free Cash Flow Yield	N/A	11.88%
P/S Ratio	N/A	1.25
P/B Ratio	N/A	1.82

Market Cap

Winner

ATLCP

$613M

PHR

$610M

Max Drawdown

Winner

ATLCP

37.48%

PHR

90.00%

Sharpe Ratio

Winner

ATLCP

1.21

PHR

-1.50

5Y Beta

Winner

ATLCP

0.11

PHR

0.98

Industry

ATLCP

Credit Services

PHR

Health Information Services

P/E Ratio

Winner

ATLCP

3.20

PHR

155.59

Forward P/E

ATLCP

N/A

PHR

14.12

Debt to Equity

ATLCP

N/A

PHR

0.17%

Free Cash Flow Yield

ATLCP

N/A

PHR

11.88%

P/S Ratio

ATLCP

N/A

PHR

1.25

P/B Ratio

ATLCP

N/A

PHR

1.82

ATLCP vs PHR - Historical Returns

Returns include dividend reinvestment.

Period	ATLCP	PHR
1 month	+0.96%	+7.10%
3 months	+6.24%	+10.73%
6 months	+3.42%	-38.13%
1 year	+20.32%	-64.61%
5 years(CAGR)	+8.48%	-31.94%
Max(CAGR)	+8.27%	-12.54%

ATLCP

+0.96%

Winner

PHR

+7.10%

ATLCP

+6.24%

Winner

PHR

+10.73%

Winner

ATLCP

+3.42%

PHR

-38.13%

Winner

ATLCP

+20.32%

PHR

-64.61%

5Y(CAGR)

Winner

ATLCP

+8.48%

PHR

-31.94%

Max(CAGR)

Winner

ATLCP

+8.27%

PHR

-12.54%

ATLCP vs PHR - Annual Returns (2019 - 2026)

Returns include dividend reinvestment.

Year	ATLCP	PHR
2026	+5.34%	-39.88%
2025	+13.94%	-32.83%
2024	+9.54%	+9.68%
2023	+40.70%	-24.91%
2022	-24.98%	-24.67%
2021	+6.18%	-21.22%
2020	N/A	+105.76%
2019	N/A	+6.22%

ATLCP vs PHR Drawdown Comparison

The maximum drawdown for ATLCP was -30.60%, occurring on Mar 17, 2023. Recovery took 421 trading sessions.

The maximum drawdown for PHR was -90.00%, occurring on Apr 10, 2026. This drawdown has not yet recovered.

The current ATLCP drawdown is -0.08%. The current PHR drawdown is -87.84%.

Rank	ATLCP	PHR
#1	-30.60% Apr 4, 2022 - Dec 6, 2023	-90.00% Feb 9, 2021 - Apr 10, 2026
#2	-12.64% Mar 6, 2026 - Jun 2, 2026	-51.39% Feb 21, 2020 - Oct 21, 2020
#3	-10.85% Mar 15, 2024 - Nov 13, 2024	-22.04% Aug 12, 2019 - Oct 31, 2019
#4	-7.69% Dec 15, 2023 - Mar 11, 2024	-13.62% Nov 7, 2019 - Jan 24, 2020
#5	-6.84% Dec 2, 2024 - Aug 26, 2025	-8.74% Jan 21, 2021 - Feb 3, 2021
#6	-5.13% Jan 25, 2022 - Apr 4, 2022	-8.67% Dec 11, 2020 - Jan 12, 2021
#7	-4.63% Sep 23, 2025 - Jan 13, 2026	-6.51% Oct 27, 2020 - Nov 4, 2020
#8	-3.32% Jun 5, 2026 - Jun 24, 2026	-5.32% Nov 9, 2020 - Nov 23, 2020
#9	-2.64% Jun 2, 2026 - Jun 5, 2026	-4.39% Jul 18, 2019 - Jul 26, 2019
#10	-2.07% Sep 2, 2021 - Dec 2, 2021	-3.57% Aug 1, 2019 - Aug 9, 2019
#11	-1.54% Feb 27, 2026 - Mar 6, 2026	-3.20% Feb 5, 2020 - Feb 13, 2020
#12	-1.42% Jun 14, 2021 - Jul 6, 2021	-2.80% Feb 13, 2020 - Feb 20, 2020
#13	-1.21% Dec 8, 2023 - Dec 13, 2023	-2.77% Nov 1, 2019 - Nov 7, 2019
#14	-1.18% Jul 2, 2026 - Jul 9, 2026	-2.43% Jan 24, 2020 - Jan 28, 2020
#15	-1.14% Nov 13, 2024 - Nov 19, 2024	-1.65% Jul 26, 2019 - Jul 30, 2019

Correlation

Correlation between ATLCP and PHR is -0.49 which considered as a weak negative correlation - the stocks show a slight tendency to move in opposite directions.

-0.49

-101