Atlanticus Holdings Corporation (ATLC)

Currency in USD
84.10
+1.88(+2.29%)
Closed·
82.88-1.22(-1.45%)
·
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Fair Value
Day's Range
81.5084.79
52 wk Range
45.7493.21
Key Statistics
Prev. Close
82.22
Open
81.69
Day's Range
81.5-84.79
52 wk Range
45.74-93.21
Volume
101.68K
Average Volume (3m)
82.12K
1-Year Change
62.9529%
Book Value / Share
43.46
Fair Value
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Fair Value Upside
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ATLC Scorecardpro icon
Company’s Health
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Fair Value
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Fair Price
Upside
Price Target
104.00
Upside
+23.66%
Members' Sentiments
Bearish
Bullish
ProTips
Trading at a low P/E ratio relative to near-term earnings growth
Show more

Technical Analysis

Summary
Strong Sell
Sell
Neutral
Buy
Strong Buy
Strong Buy
Technical Indicators
Strong Buy
Moving Averages
Strong Buy

Analyst Ratings

5 Buy
0 Hold
0 Sell
Ratings:
5 analysts
Overall Consensus
Strong Buy

Analysts 12-Month Price Target:

Average 104.00
(+23.66% Upside)
Firm
ArticlePositionPrice TargetUpside / DownsideFrom Price TargetActionDate
B.Riley
Buy111.00+31.99%98.00Maintain14/05/2026
Citizens
Buy102.00+21.28%-Maintain14/05/2026
B.Riley
Buy98.00+16.53%90.00Maintain23/03/2026
B.Riley
Buy98.00+16.53%90.00Maintain20/03/2026
Citizens
Buy102.00+21.28%100.00Maintain17/03/2026

Atlanticus Holdings Corporation SWOT Analysis


Strategic Acquisition
Explore how Atlanticus Holdings' acquisition of Mercury Financial is set to double its loan portfolio and drive significant earnings growth, particularly from 2026 onwards.
Market Dynamics
Delve into ATLC's competitive advantage in a market with limited competition, enabling aggressive marketing strategies and strong card portfolio growth.
Financial Resilience
Learn about ATLC's robust financial performance, with Q2 2025 net income of $28 million surpassing forecasts, and analysts projecting FY 2026 EPS of $8.72.
Growth Trajectory
Discover ATLC's growth strategies, including increased marketing spend and diversification, with analyst price targets ranging from $72 to $95, averaging around $77.
Read full SWOT analysis

Atlanticus Holdings Corporation Earnings Call Summary for Q1/2026

  • Q1 2026 EPS of $2.23 beat forecast by 28%, up 50% YoY; revenue of $679.5M missed estimates by 9.31%, rising 97% YoY from Mercury acquisition.
  • Return on equity reached 26.8%, exceeding targets; company maintains guidance for 20%+ ROE through 2027 despite rising operational costs.
  • Interest expenses surged 158% year-over-year, pressuring profitability margins amid integration of Mercury portfolio assets.
  • Stock fell 2.48% in aftermarket to $75.89 despite earnings beat, reflecting investor concern over revenue miss and potential overvaluation.
  • Management cited faster-than-expected Mercury integration and effective repricing strategies as key drivers of earnings outperformance.
Last Updated: 08/05/2026, 02:04
Read Full Transcript

Earnings

Latest Release
07/05/2026
EPS / Forecast
2.23 / 1.74
Revenue / Forecast
679.5M / 749.25M
EPS Revisions
Last 90 days

Compare ATLC to Peers and Sector

Metrics to compare
ATLC
Peers
Sector
Relationship
P/E Ratio
10.1x12.2x9.8x
PEG Ratio
0.340.090.03
Price/Book
2.0x1.4x1.0x
Price / LTM Sales
2.0x2.1x2.8x
Upside (Analyst Target)
21.3%49.7%17.7%
Fair Value Upside
Unlock6.5%2.7%Unlock

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. Its CaaS segment offers private label credit products associated with the healthcare space under the Curae brand, as well as consumer electronics, furniture, elective medical procedures, and home-improvement under the Fortiva brand and its retail partners’ brands; and general-purpose credit cards under the Aspire, Imagine, Mercury, and Fortiva brand names. The company’s private label and general-purpose credit cards originated from its bank partners through various channels, including retail and healthcare point-of-sale locations, direct mail solicitation, and digital marketing and partnerships with third parties. This segment also offers loan servicing, such as risk management and customer service outsourcing for third parties, as well as engages in other product testing and investments. 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 and pay-here used car business. This segment also provides floor plan financing and installment lending products. The company was founded in 1996 and is headquartered in Atlanta, Georgia.

Sector
Financial
Employees
576

Ownership

Ownership Overview

Type
Common Stock Held% of Shares OutstandingMarket Value
Mutual Funds & ETFs
1.68M11.11%141.29M
Other Institutional Investors
2.27M14.99%190.52M
Public Companies & Retail Investors
11.17M73.90%939.61M
Total
15.12M100.00%1.27B

Top Holders

Holder
% of holding
Shares Held
Date Reported
Value (In 1,000s)
Wellington Management Group LLP4.99%754,95863,492
Dimensional Fund Advisors LP3.46%522,54543,946

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FAQ

What Is the Atlanticuss (NASDAQ: ATLC) Share Price Today?

The Atlanticuss stock price today is 84.10 USD.

What Stock Exchange Does Atlanticuss (ATLC) Trade On?

Atlanticuss is listed and trades on the Nasdaq Stock Exchange.

What Is the Ticker (Stock Symbol) for Atlanticuss?

The stock symbol (also called a 'ticker') for Atlanticuss is "ATLC."

What Is the Current Atlanticuss Market Capitalisation?

As of today, Atlanticuss (NASDAQ: ATLC) market cap is 1.27B USD.

What Is Atlanticuss's (ATLC) Earnings Per Share (TTM)?

The Atlanticuss EPS is currently 6.70 (Trailing Twelve Months).

When Is the Next Atlanticuss Earnings Date?

Atlanticuss's next earnings report will be released on 07/08/2026.

Is ATLC a Buy or Sell From a Technical Analyst Perspective?

Based on today's Atlanticuss moving averages and other technical indicators, the daily buy/sell signal for ATLC stock is Strong Buy.

How Many Times Has Atlanticuss Stock Split?

Atlanticuss has split 0 times. (See the ATLC stock split history page for full effective split date and price information.)

How Many Employees Does Atlanticuss Have?

Atlanticuss has 576 employees, based on their latest Companies House report.

What is the current trading status of Atlanticuss (NASDAQ: ATLC)?

As of 07/06/2026, Atlanticuss (ATLC) is trading at a share price of 84.10 USD, with a previous close of 82.22 USD. The stock has fluctuated within a day range of 81.50 USD to 84.79 USD, while its 52-week range spans from 45.74 USD to 93.21 USD.

What Is Atlanticuss (ATLC) Price Target According to Analysts?

The average 12-month price target for Atlanticuss is 104.00 USD, with a high estimate of 111 USD and a low estimate of 100 USD. 5 analysts recommend buying the stock, while 0 suggest selling, leading to an overall rating of Strong Buy. The stock has an +23.66% Upside potential.

What Is the ATLC Premarket Price?

ATLC's last pre-market stock price is 82.20 USD. The pre-market share volume is 140.00, and the stock has decreased by -0.02, or -0.02%.

What Is the ATLC After Hours Price?

ATLC's last after hours stock price is 82.88 USD, the stock has decreased by -1.22, or -1.45%.
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