Atlanticus Holdings (ATLC)
NASDAQ:ATLC
ATLC Stock Chart & Stats
$52.70
$0.20(0.37%)
At close: 4:00 PM EST
$52.70
$0.20(0.37%)
Day’s Range― - ―
52-Week Range$41.37 - $78.91
Previous CloseN/A
Volume5.06K
Average Volume (3M)67.83K
Market Cap
$786.25M
Enterprise Value$6.57B
Total Cash (Recent Filing)$767.41M
Total Debt (Recent Filing)$6.54B
Price to Earnings (P/E)8.3
Beta1.77
Next Earnings
May 12, 2026EPS Estimate
1.69Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)1.75
Shares Outstanding14,919,417
10 Day Avg. Volume75,885
30 Day Avg. Volume67,832
Financial Highlights & Ratios
PEG Ratio0.34
Price to Book (P/B)1.56
Price to Sales (P/S)0.51
P/FCF Ratio1.60
Enterprise Value/Market Cap8.36
Enterprise Value/Revenue5.52
Enterprise Value/Gross Profit3.46
Enterprise Value/Ebitda14.06
Forecast
1Y Price Target
$101.67Price Target Upside92.92% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering3
EPS Forecast (FY)8.84
Revenue Forecast (FY)$3.13B
Bulls Say, Bears Say
Bulls Say
Acquisition TermsAcquisition of Vive was completed at a cash price below the carrying value of loan receivables, creating an immediate balance-sheet uplift that supports potential upside to earnings.
Credit Performance ImprovementDeclining delinquencies and reduced credit losses indicate improving loan portfolio quality, which can help expand risk-adjusted margins.
Revenue Growth And SynergiesRising purchase volumes driven by the legacy Atlanticus portfolio and access to an existing merchant network provide a pathway to revenue growth without a proportional rise in operating costs.
Bears Say
Accounting And Reporting VolatilityAcquisition accounting produced an EPS miss attributed to the Mercury deal, which may cause investor confusion and stock volatility around reported results.
Concentration Of Growth RiskPurchase volume gains are concentrated in the legacy Atlanticus portfolio, suggesting overall growth may depend more on established assets than on earnings from the newly acquired business.
Profitability ConcernsVive shows modest revenue but reports break-even EBITDA and negative net income, raising concern that the acquisition may not contribute positive earnings immediately.
Atlanticus Holdings News
ATLC FAQ
What was Atlanticus Holdings’s price range in the past 12 months?
Atlanticus Holdings lowest stock price was $41.37 and its highest was $78.91 in the past 12 months.
What is Atlanticus Holdings’s market cap?
Atlanticus Holdings’s market cap is $786.25M.
When is Atlanticus Holdings’s upcoming earnings report date?
Atlanticus Holdings’s upcoming earnings report date is May 12, 2026 which is in 44 days.
How were Atlanticus Holdings’s earnings last quarter?
Atlanticus Holdings released its earnings results on Mar 12, 2026. The company reported $1.75 earnings per share for the quarter, beating the consensus estimate of $1.59 by $0.16.
Is Atlanticus Holdings overvalued?
According to Wall Street analysts Atlanticus Holdings’s price is currently Undervalued.
Does Atlanticus Holdings pay dividends?
Atlanticus Holdings pays a Notavailable dividend of $0.5 which represents an annual dividend yield of N/A. See more information on Atlanticus Holdings dividends here
What is Atlanticus Holdings’s EPS estimate?
Atlanticus Holdings’s EPS estimate is 1.69.
How many shares outstanding does Atlanticus Holdings have?
Atlanticus Holdings has 14,919,417 shares outstanding.
What happened to Atlanticus Holdings’s price movement after its last earnings report?
Atlanticus Holdings reported an EPS of $1.75 in its last earnings report, beating expectations of $1.59. Following the earnings report the stock price went down -9.081%.
Which hedge fund is a major shareholder of Atlanticus Holdings?
Currently, no hedge funds are holding shares in ATLC
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Atlanticus Holdings Stock Smart Score
Neutral
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Analyst Consensus
Strong Buy
Average Price Target:
$101.67 (92.92% Upside)
$101.67 (92.92% Upside)
Hedge Fund Trend
Decreased
By 6.1K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $100.0K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Positive
Last 7 Days ▲ 1.7%
Last 30 Days ▲ 6.4%
Last 30 Days ▲ 6.4%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Negative
20 days / 200 days
Momentum
4.29%
12-Months-Change
Fundamentals
Return on Equity
20.59%
Trailing 12-Months
Asset Growth
133.07%
Trailing 12-Months
Company Description
Atlanticus Holdings
Atlanticus Holdings Corporation provides credit and related financial services and products to customers the United States. It operates in two segments, Credit as a Service, and Auto Finance. The Credit as a Service segment originates a range of consumer loan products, such as private label and general purpose credit cards originated by lenders through various channels, including retail and healthcare, direct mail solicitation, digital marketing, and partnerships with third parties; and offers credit to their customers for the purchase of various goods and services, including consumer electronics, furniture, elective medical procedures, healthcare, educational services, and home-improvements by partnering with retailers and service providers. In addition, it offers loan servicing, such as risk management and customer service outsourcing for third parties; and engages in testing and investment activities in consumer finance technology platforms. The Auto Finance segment purchases and/or services loans secured by automobiles from or for a pre-qualified network of independent automotive dealers and automotive finance companies in the buy-here, pay-here, and used car business. This segment also provides floor plan financing and installment lending products. Further, the company invests in and services portfolios of credit card receivables. Atlanticus Holdings Corporation was founded in 1996 and is headquartered in Atlanta, Georgia.
ATLC Company Deck
ATLC Earnings Call
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call highlighted strong, transformational growth driven by the Mercury acquisition and robust organic origination, with double-digit EPS and revenue growth, high ROE and ample liquidity. Management reported integration progress, sizable long-term accretion ($2–$4 per share target for 2027) and multi-year historic growth rates. Near-term headwinds include higher operating and interest expenses, an initial fair value mark decline (~60 bps), softer marketing efficiency amid competition, and a multi-quarter timeline to fully realize synergies and repricing benefits as legacy protected balances season out. On balance, the positives around scale, earnings growth, capital position, and integration execution materially outweigh the manageable short-term challenges.View all ATLC earnings summariesATLC Stock 12 Month Forecast
Average Price Target
$101.67
▲(92.92% Upside)
Technical Analysis
Ownership Overview
38.16% Insiders
6.18% Mutual Funds
1.48% Other Institutional Investors
47.85% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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