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ATLCAtlanticus Holdings Corporation
$90.97$1.4B
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
Live BreakoutsStock ScreenerOwnership
ATLC logo

Atlanticus Holdings Corporation

ATLC
NASDAQ · Credit Services
$90.97
At close - Sep 23, 4:00 PM EDT - USD
Market Cap$1.38B
P/E15.3x
52W High$114.34
Volume156.65K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q2

Rapid Asset Growth Masks Thinning Capital Cushion

Atlanticus is executing an aggressive portfolio expansion, with total assets more than doubling to $7.5B in 2026Q2 from $2.8B in 2024Q1, driving NII up 89.4% YoY to $421.7M. However, this growth is accompanied by a thinning equity cushion (equity/assets down t...

GrowthAccelerating
ProfitabilityStrong
ValuationExpensive
TechnicalsMixed
Explore valuation models
MARKET ACTION

ATLC price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

12/12 Beats

EPS beat 12 of last 12 quarters

02

Valuation risk

-43% Peers

P/E is 43% below peer median

03

Market leadership

RS 86 · Leader

High momentum (Outperforming 86% of market)

04

Mixed Trend

Mixed

Price < 50DMA but > 200DMA

Next CatalystConfirmed earnings · Nov 9

Market performance

Price History →

Trailing total returns as of 9/24/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
ATLC+37.11%
S&P 500 (^GSPC)+12.39%
1-Year Return
ATLC+33.47%
S&P 500 (^GSPC)+15.77%
3-Year Return
ATLC+197.38%
S&P 500 (^GSPC)+70.19%
5-Year Return
ATLC+74.27%
S&P 500 (^GSPC)+70.05%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y High
15.3x
Forward P/EExpansion
9.4x
EV/EBITDA100th %ile
43.0x
FCF YieldCash Flow
46.0%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
15.3x
9.4x
100th· High
EV/EBITDA
43.0x
18.2x
100th· High
Price/FCF
2.2x
2.0x
60th· Fair
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$83.95-7.7%
Base (Fair)$100.56+8.1%
Bull$117.37+29.0%
$83.95 Bear$100.56 Base$117.37 Bull
Current Market Price: $90.97
Trades at a 9.5% discount to Base DCF ($100.56)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue
$403M+34.5% YoY
Net income
$122M+9.8% YoY
Free cash flow
$633M+35.4% YoY
Operating margin
22.7%-7.5 pts YoY
ROIC (TTM)2.4%
Avg ROIC 5Y-
ROE (TTM)22.4%
Piotroski Score3 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate12/12 (100%)
Revenue Beat Rate6/12 (50%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Aug 6, 2026
$2.50+3.3%
vs $2.42
$744M+3.9%
vs $716M
Q2 2026
May 7, 2026
$2.23+32.0%
vs $1.69
$680M-9.3%
vs $749M
Q2 2026
Mar 12, 2026
$1.75+6.1%
vs $1.65
$734M+6.2%
vs $692M
Q4 2025
Nov 10, 2025
$1.48+10.4%
vs $1.34
$495M-2.2%
vs $507M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

5 Stories
GlobeNewsWire·6d ago
Atlanticus Completes Sale of CAR Auto Finance Operations

ATLANTA, Sept. 17, 2026 (GLOBE NEWSWIRE) -- Atlanticus Holdings Corporation (NASDAQ: ATLC) (“Atlanticus,” the “Company,” “we,” “our” or “us”), a financial technology company that enables its bank, retail and healthcare partners to offer more inclusive financial services to millions of everyday Americans, today announced that it has completed the sale of its CAR Auto Finance operations (“CAR”) to an unaffiliated third party.

GlobeNewsWire·Sep 10, 2026
Atlanticus to Participate in U.S. Bancorp | BTIG Consumer Finance Conference 2026

ATLANTA, Sept. 10, 2026 (GLOBE NEWSWIRE) -- Atlanticus Holdings Corporation (NASDAQ: ATLC) (“Atlanticus,” the “Company,” “we,” “our” or “us”), a financial technology company that enables its bank, retail and healthcare partners to offer more inclusive financial services to millions of everyday Americans, today announced that Jeff Howard, President and Chief Executive Officer, and Bill McCamey, Chief Financial Officer, will participate in the U.S. Bancorp | BTIG Consumer Finance Conference 2026 in Boston, MA on September 17, 2026.

Zacks Investment Research·Sep 9, 2026
Wall Street Analysts See a 41.59% Upside in Atlanticus (ATLC): Can the Stock Really Move This High?

The consensus price target hints at a 41.6% upside potential for Atlanticus (ATLC). While empirical research shows that this sought-after metric is hardly effective, an upward trend in earnings estimate revisions could mean that the stock will witness an upside in the near term.

Zacks Investment Research·Sep 4, 2026
Is Atlanticus (ATLC) Stock Undervalued Right Now?

Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.

Filtered for Atlanticus Holdings CorporationMore Headlines
04

Compare before deciding

Benchmark ATLC against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Atlanticus Holdings Corporation (ATLC)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
ATLC logoATLCAtlanticus Holdings CorporationCurrent
$90.97$1.38B15.2634.47%17.35%22.36%0.71%
CACC logoCACCCredit Acceptance Corporation
$555.13$5.81B14.78-13.12%21.6%32.35%—
OMF logoOMFOneMain Holdings, Inc.
$57.25$6.61B8.739.54%12.17%23.07%—
ENVA logoENVAEnova International, Inc.
$168.37$4.19B14.5412.2%11.81%25.76%—
WRLD logoWRLDWorld Acceptance Corporation
$170.07$792.6M24.722.6%6.65%11%—
PRAA logoPRAAPRA Group, Inc.
$20.11$767.01M-2.58-4.51%-23.24%-25.21%—

Compare ATLC vs Peers

Atlanticus Holdings Corporation (ATLC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs CACC

Most directly comparable listed peer for ATLC.

Scale Benchmark

vs V

Larger-name benchmark to compare ATLC against a more recognizable public peer.

Peer Set

Compare Top 5

vs CACC, OMF, ENVA, WRLD

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

ATLC SEC Filings & Documents

Atlanticus Holdings Corporation (ATLC) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 13, 2026·SEC

Material company update

Sep 17, 2025·SEC

Material company update

Aug 20, 2025·SEC

10-K Annual Reports

5
FY 2026

Mar 12, 2026·SEC

FY 2025

Mar 13, 2025·SEC

FY 2024

Mar 4, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

Aug 6, 2026·SEC

FY 2026

May 7, 2026·SEC

FY 2025

Nov 10, 2025·SEC

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ATLC Frequently Asked Questions

Atlanticus Holdings Corporation (ATLC) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Atlanticus Holdings Corporation growing?

Atlanticus Holdings Corporation (ATLC) grew revenue by 34.5% over the past year. This is strong growth.

Is ATLC profitable?

Yes, Atlanticus Holdings Corporation (ATLC) is profitable, generating $154.0M in net income for fiscal year 2025 (17.3% net margin).

Dividend & Returns
Does ATLC pay dividends?

Yes, Atlanticus Holdings Corporation (ATLC) pays a dividend with a yield of 0.71%. This makes it attractive for income-focused investors.

What is ATLC's return on equity?

Atlanticus Holdings Corporation (ATLC) has a return on equity (ROE) of 22.4%. This is excellent, indicating efficient use of shareholder capital.

Industry Metrics
What is Atlanticus Holdings Corporation's net interest margin?

Atlanticus Holdings Corporation (ATLC) has a net interest margin (NIM) of 14.5%. This indicates healthy earnings from lending activities.

What is Atlanticus Holdings Corporation's efficiency ratio?

Atlanticus Holdings Corporation (ATLC) has an efficiency ratio of 33.6%. This is excellent, indicating strong cost control.

What if you invested $1,000 in ATLC back in 1998?

Total return calculator · dividends reinvested · 28+ years of data

See returns →