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Atlanticus Holdings (ATLC)
NASDAQ:ATLC
ATLC Stock Chart & Stats
Day’s Range― - ―
52-Week Range$23.10 - $64.70
Previous CloseN/A
Volume5.06K
Average Volume (3M)65.47K
Market Cap
$795.97M
Enterprise Value$3.15B
Total Cash (Recent Filing)$249.29M
Total Debt (Recent Filing)$1.07B
Price to Earnings (P/E)10.5
Beta1.70
Next Earnings
May 13, 2025EPS Estimate
1.47Last Dividend Ex-Date
Dec 29, 2009Dividend YieldN/A
Share Statistics
EPS (TTM)4.77
Shares Outstanding15,115,344
10 Day Avg. Volume71,706
30 Day Avg. Volume65,473
Financial Highlights & Ratios
PEG Ratio1.01
Price to Book (P/B)N/A
Price to Sales (P/S)1.91
Price to Cash Flow (P/CF)1.60
P/FCF Ratio1.00
Enterprise Value/Market Cap3.96
Enterprise Value/RevenueN/A
Enterprise Value/Gross Profit12.63
Enterprise Value/Ebitda8.15
Forecast
1Y Price Target
$71.33Price Target Upside41.98% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
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Bulls Say, Bears Say
Bulls Say
Growth OpportunitiesAtlanticus has a visible pathway to doubling its portfolio within the next 1-2 years, while expanding its risk-adjusted margins and profitability.
PartnershipsAtlanticus is growing through partnerships with major retailers like Lowe's and Home Depot, and potential new merchant partnerships.
ValuationThe valuation of ATLC is seen as attractive with a P/E multiple that is cheaper than peers, despite rapid growth and improving credit trends.
Bears Say
Cost Of LivingThe cost of living remains high, with rent, gas, and food continuing to constrain borrowers’ household savings and liquidity.
Earnings EstimateThe price target is being lowered from $75 to $72 due to a reduction in the target multiple on future EPS, reflecting recent contraction in market and peer valuations.
Receivables GrowthAtlanticus Holdings is experiencing modestly slower receivables growth due to a prudent approach to opening the credit box and delays in new marketing initiatives.
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Ownership Overview
65.16% Insiders
5.66% Mutual Funds
1.35% Other Institutional Investors
22.54% Public Companies and
Individual Investors
Risk Analysis
Main Risk Category
Finance & CorporateFinancial and accounting risks. Risks related to the execution of corporate activity and strategy
ATLC FAQ
What was Atlanticus Holdings’s price range in the past 12 months?
Atlanticus Holdings lowest stock price was $23.09 and its highest was $64.70 in the past 12 months.
What is Atlanticus Holdings’s market cap?
Atlanticus Holdings’s market cap is $795.97M.
When is Atlanticus Holdings’s upcoming earnings report date?
Atlanticus Holdings’s upcoming earnings report date is May 13, 2025 which is in 31 days.
How were Atlanticus Holdings’s earnings last quarter?
Atlanticus Holdings released its earnings results on Mar 13, 2025. The company reported $1.42 earnings per share for the quarter, beating the consensus estimate of $1.271 by $0.149.
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 1.47.
How many shares outstanding does Atlanticus Holdings have?
Atlanticus Holdings has 15,115,344 shares outstanding.
What happened to Atlanticus Holdings’s price movement after its last earnings report?
Atlanticus Holdings reported an EPS of $1.42 in its last earnings report, beating expectations of $1.271. Following the earnings report the stock price went up 11.279%.
Which hedge fund is a major shareholder of Atlanticus Holdings?
Currently, no hedge funds are holding shares in ATLC
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Atlanticus Holdings Stock Smart Score
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$71.33 (41.98% Upside)
$71.33 (41.98% Upside)
Blogger Sentiment
Bullish
ATLC Sentiment 100%
Sector Average 68%
Sector Average 68%
Insider Transactions
Sold Shares
Worth $125.7K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Positive
Last 7 Days ▲ 3.2%
Last 30 Days ▲ 29.6%
Last 30 Days ▲ 29.6%
News Sentiment
Neutral
Bullish news 59%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
81.63%
12-Months-Change
Fundamentals
Return on Equity
23.00%
Trailing 12-Months
Asset Growth
20.85%
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.
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ATLC Stock 12 Month Forecast
Average Price Target
$71.33
▲(41.98% Upside)
Technical Analysis
Pra Group
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World Acceptance
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Best Analysts Covering ATLC
1 Year
1 Year Success Rate
10/20 ratings generated profit
1 Year Average Return
+3.60%
reiterated a buy rating 22 days ago
Copying David Scharf's trades and holding each position for 1 Year would result in 50.00% of your transactions generating a profit, with an average return of +3.60% per trade.
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