ATLC trades 49.9% below Wall Street's consensus target of $136.40.
Last 12 months price action with 12-month analyst target path
The base valuation assumes ATLC achieves its forward estimates and maintains a stable P/E multiple of 9.4x. This scenario reflects the blended consensus of 7 Wall Street analysts, balancing both positive catalysts and macroeconomic headwinds over the next 12 months.
As of September 24, 2026, Atlanticus Holdings Corporation (ATLC) has a Wall Street consensus price target of $136.40, based on estimates from 7 covering analysts. With the stock currently trading at $90.97, this represents a potential upside of +49.9%. The company has a market capitalization of $1.38B.
Analyst price targets range from a low of $100.00 to a high of $179.00, representing a 58% spread in expectations. The median target of $144.00 differs from the mean, suggesting potential outlier estimates. The wide target spread reflects significant disagreement on fair value.
The current analyst consensus rating is Buy, with 6 analysts rating the stock as a Buy or Strong Buy,1 rating it Hold, and 0 rating it Sell or Strong Sell. This overwhelmingly bullish sentiment suggests analysts see significant catalysts for upside ahead.
From a valuation perspective, ATLC trades at a trailing P/E of 15.3x and forward P/E of 9.4x. The forward PEG ratio of 1.10 indicates reasonable valuation for growth. Analysts expect EPS to grow +19.9% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $142.67, with bear and bull scenarios of $89.88 and $187.99 respectively. Model confidence stands at 51/100, reflecting moderate uncertainty in projections.
| Company | Market Cap | Price | Target | Upside Potential | Rating | Fwd P/E | Analysts |
|---|---|---|---|---|---|---|---|
 CACCCredit Acceptance Corporation | $5.8B | $555.13 | $540.00 | -2.7% | Hold | 11.4x | 18 |
 OMFOneMain Holdings, Inc. | $6.6B | $57.25 | $65.33 | +14.1% | Buy | 8.1x | 31 |
 ENVAEnova International, Inc. | $4.2B | $168.37 | $247.60 | +47.1% | Buy | 9.7x | 10 |
 WRLDWorld Acceptance Corporation | $793M | $170.07 | — | — | Hold | 24.1x | 10 |
 PRAAPRA Group, Inc. | $767M | $20.11 | $25.00 | +24.3% | Hold | 6.0x | 13 |
 SLMSLM Corporation | $4.4B | $23.61 | $28.75 | +21.8% | Buy | 7.6x | 25 |
 COFCapital One Financial Corporation | $120.3B | $196.10 | $253.00 | +29.0% | Buy | 9.6x | 57 |
 SYFSynchrony Financial | $23.0B | $70.67 | $88.30 | +24.9% | Buy | 7.6x | 41 |
 ALLYAlly Financial Inc. | $11.7B | $38.58 | $54.50 | +41.3% | Buy | 7.4x | 38 |
 NAVINavient Corporation | $861M | $9.16 | $8.50 | -7.2% | Hold | 12.1x | 24 |
Quick answers to the most common questions about buying ATLC stock.
The consensus Wall Street price target for ATLC is $136.4, representing 49.9% upside from the current price of $90.97. With 7 analysts covering the stock, this strong upside suggests significant value not yet reflected in today's share price.
ATLC has a consensus rating of "Buy" based on 7 Wall Street analysts. The rating breakdown is predominantly bullish, with 6 Buy/Strong Buy ratings. The consensus 12-month price target of $136.4 implies 49.9% upside from current levels.
With a forward P/E of 9.4498x, ATLC trades at a relatively low valuation. The consensus target of $136.4 implies 49.9% appreciation, suggesting meaningful undervaluation.
The most bullish Wall Street analyst has a price target of $179 for ATLC, while the most conservative target is $100. The consensus of $136.4 represents the median expectation. Our quantitative valuation model projects a bull case target of $188 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.
ATLC is moderately covered, with 7 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 6 have Buy ratings, 1 recommend Hold, and 0 have Sell or Strong Sell ratings. Higher analyst coverage generally indicates greater institutional interest and more reliable consensus estimates.
The 12-month ATLC stock forecast based on 7 Wall Street analysts shows a consensus price target of $136.4, with estimates ranging from $100 (bear case) to $179 (bull case). The median consensus rating is "Buy". Our proprietary valuation model produces a base case fair value of $143, with bear/bull scenarios of $90/$188.
Our quantitative valuation model calculates ATLC's fair value at $143 (base case), with a bear case of $90 and bull case of $188. The model uses discounted cash flow analysis, historical growth rates, and margin mean-reversion to project FY+2 earnings, then applies an appropriate P/E multiple. The model confidence score is 51/100.
ATLC trades at a forward P/E ratio of 9.4x based on next-twelve-months earnings estimates compared to a trailing P/E of 15.3x. The lower forward P/E indicates analysts expect earnings growth. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.
Wall Street analysts are very optimistic on ATLC, with a "Buy" consensus rating and $136.4 price target (49.9% upside). 6 of 7 analysts rate it Buy or Strong Buy. This information is for educational purposes only. Always conduct your own research, consider your financial situation, and consult a financial advisor before making investment decisions.
ATLC analyst price targets range from $100 to $179, a 58% wide spread indicating significant analyst disagreement. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $136.4 consensus represents the middle ground. Our model's $90-$188 range provides an independent fundamental perspective.
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