Atlanticus Holdings Corporation
ATLC
NASDAQ·Financial Services·Financial - Credit Services·Mkt cap $1.4B
$93.13
▼ -3.70%
P/E
10.51
Mkt Cap
$1.4B
52-Wk Range
$47.50–$114.34
52-Week Range
$47.50 - $114.34
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 36.8% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
4 reasons
- Established 28-year track record with deep expertise in alternative consumer finance and underserved markets
- Diversified revenue streams across credit origination, servicing, and portfolio investment reducing concentration risk
- Strategic partnerships with major retailers and healthcare providers providing consistent deal flow and brand recognition
- Proprietary technology platforms and fintech investments enabling competitive pricing and operational efficiency
Bear Case
1 risk
- High volatility (beta 2.0). Larger-than-normal price swings expected.
Growth
Strong growth ahead
Expansion of digital marketing and e-commerce credit solutions capturing growing online consumer finance demand
Value
Valued in line with Digital Payments peers (0.9x).
Momentum
Strong
+8.4% over 3m
Quality
Excellent
High-growth business (317% revenue growth, 83% gross margin). Profitable with strong growth momentum.
Dividend
None
No dividend
Smart-money signal
Who's buying ATLC right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Latest print - beat on both lines
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Nov 5, 2026
AUG 6, 2026
Reported EPS of $2.50 vs $2.42 consensus (+3.3% surprise). Revenue of $744.3M vs $716.3M expected (+3.9%). Beat on both top and bottom lines.
EPS surprise · last 4Q
1 of 1 beats
Estimate
Actual
Q3 26
+3.3%
Revenue trend · last 8Q
—
+35%
+25%
+40%
+34%
+179%
+405%
+419%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$76.9M
$88.7M
$134.7M
$143.3M
$178.8M
$247.7M
$679.6M
$744.3M
Margins · last 8Q
Gross
96.3%
Operating
0.0%
Profit
6.4%
Wall Street consensus
5 analysts · 100% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
100%
Hold
0%
Sell
0%
Median Price Target
—
Latest: B. Riley · Sep 3, 2026
vs Industry
How ATLC stacks vs Financial - Credit Services
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
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