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  3. ATLC
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ATLC

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    Overview
    Forecast
    Valuation
    Earnings
High
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Open
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VWAP
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Vol
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Mkt Cap
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Low
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Amount
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EV/EBITDA(TTM)
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Total Shares
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EV
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EV/OCF(TTM)
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P/S(TTM)
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AI Stock Picker

Market Estimates

Earnings Estimates
Earnings Estimates
Revenue
YoY Chg
EPS
YoYChg
FY2025Q4
FY2026Q1
FY2026Q2
700.10M
+98.05%
1.617
+13.85%
688.52M
+99.47%
1.728
+16%
732.34M
+85.8%
1.890
+25.17%
Estimates Revision
The market is revising Upward the revenue expectations for Atlanticus Holdings Corporation (ATLC) for FY2025, with the revenue forecasts being adjusted by 23.94% over the past three months. During the same period, the stock price has changed by -12.18%.
Revenue Estimates for FY2025
Revise Upward
up Image
+23.94%
In Past 3 Month
EPS Estimates for FY2025
Revise Downward
down Image
-4.43%
In Past 3 Month
Stock Price
Go Down
down Image
-12.18%
In Past 3 Month
Wall Street analysts forecast ATLC stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for ATLC is 88.25 USD with a low forecast of 63.00 USD and a high forecast of 105.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
4 Analyst Rating
Wall Street analysts forecast ATLC stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for ATLC is 88.25 USD with a low forecast of 63.00 USD and a high forecast of 105.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
3 Buy
1 Hold
0 Sell
Strong Buy
Current: 59.580
sliders
Low
63.00
Averages
88.25
High
105.00
Current: 59.580
sliders
Low
63.00
Averages
88.25
High
105.00
Citizens JMP
Outperform
maintain
$78 -> $95
2025-09-18
Reason
Citizens JMP
Price Target
$78 -> $95
2025-09-18
maintain
Outperform
Reason
Citizens JMP raised the firm's price target on Atlanticus to $95 from $78 and keeps an Outperform rating on the shares. The acquisition of Mercury Finance will move Atlanticus' portfolio modestly upmarket, with the Mercury loan book's average FICO score 20 basis points above the legacy portfolio, the analyst tells investors in a research note.
BTIG
NULL -> Buy
upgrade
$84 -> $105
2025-09-15
Reason
BTIG
Price Target
$84 -> $105
2025-09-15
upgrade
NULL -> Buy
Reason
BTIG raised the firm's price target on Atlanticus to $105 from $84 and keeps a Buy rating on the shares. The firm is raising its EPS view for the company following the acquisition of Mercury Finance. BTIG adds that its estimates could be conservative in purchase volume and receivables growth rates, operating leverage, and credit trends.
B. Riley
Buy
maintain
$70 -> $90
2025-09-15
Reason
B. Riley
Price Target
$70 -> $90
2025-09-15
maintain
Buy
Reason
B. Riley raised the firm's price target on Atlanticus to $90 from $70 and keeps a Buy rating on the shares. The company's acquisition of Mercury Financial more than doubles its receivables, the analyst tells investors in a research note. The firm also remains constructive on the credit outlook for Atlanticus' near and lower prime consumers, citing recent delinquency trend improvement and a continued favorable outlook for this cohort heading into the back-to-school and holiday seasons.
Janney Montgomery Scott
Neutral
maintain
$56 -> $63
2025-09-12
Reason
Janney Montgomery Scott
Price Target
$56 -> $63
2025-09-12
maintain
Neutral
Reason
Janney Montgomery Scott raised the firm's price target on Atlanticus to $63 from $56 and keeps a Neutral rating on the shares.
JMP
Outperform
maintain
$75 -> $78
2025-08-12
Reason
JMP
Price Target
$75 -> $78
2025-08-12
maintain
Outperform
Reason
Citizens JMP raised the firm's price target on Atlanticus to $78 from $75 and keeps an Outperform rating on the shares. The firm updated its forecast to reflect a faster pace of portfolio growth, both this year and in 2026, as management continues to see favorable macro trends for the core consumer base, allowing the company to continue to lean more aggressively into marketing spend, the analyst tells investors in a research note.
Citizens JMP
Outperform
maintain
$72 -> $75
2025-07-17
Reason
Citizens JMP
Price Target
$72 -> $75
2025-07-17
maintain
Outperform
Reason
Citizens JMP raised the firm's price target on Atlanticus to $75 from $72 and keeps an Outperform rating on the shares. Following a strong recovery in valuations among Consumer Finance and Consumer FinTech stocks since the April 2 launch of tariff uncertainties, Citizens anticipate second-half guidance to broadly reflect moderating loss rates, modest increases in origination activity among non-prime borrowers, and cautious reserve levels that remain elevated given management teams "wait and see" approach to trade policy and downstream effects, the analyst tells investors in a research note. The firm believes many stocks have already priced in expectations that year-end reserve rates are overly conservative.
See All Ratings

Valuation Metrics

The current forward P/E ratio for Atlanticus Holdings Corp (ATLC.O) is 7.67, compared to its 5-year average forward P/E of 7.01. For a more detailed relative valuation and DCF analysis to assess Atlanticus Holdings Corp 's fair value, click here.
  • Forward PE
  • Forward EV/EBITDA
  • Forward PS

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
Fair
5Y Average PE
7.01
Current PE
7.67
Overvalued PE
9.05
Undervalued PE
4.97

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
0.00
Current EV/EBITDA
0.00
Overvalued EV/EBITDA
0.00
Undervalued EV/EBITDA
0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average PS
0.50
Current PS
0.00
Overvalued PS
0.73
Undervalued PS
0.28
Financial AI Agent
Financial AI Agent

Financials

Annual
Quarterly
N/A
Total Revenue
N/A
Operating Profit
N/A
Net Income after Tax
N/A
EPS - Diluted
N/A
Free Cash Flow
N/A
Gross Profit Margin - %
N/A
FCF Margin - %
N/A
Net Margin - %
N/A
ROIC

Trading Trends

  • Insider
  • Hedge Fund
  • Congress Trading
Insider
Insiders are Neutral. There are no significant trading trends over the last month.
Sold
Bought
Hedge Fund
Hedge Funds are Neutral. There are no significant trading trends over the last quarter.
Sold
Bought
Congress Trading
Congress are Neutral. There are no significant trading trends over the last month.
Sold
Bought
Insider
Insiders are Neutral. There are no significant trading trends over the last month.
Sold
Bought
Intellectia AI SwingMax
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ATLC News & Events

Events Timeline

(ET)
2025-11-10
08:31:44
Atlanticus announces Q3 adjusted EPS of $1.48, below consensus estimate of $1.60
select
2025-10-22 (ET)
2025-10-22
07:17:26
Prog Sells $150M Vive Credit Card Receivables Portfolio to Atlanticus
select
2025-09-11 (ET)
2025-09-11
17:03:47
Atlanticus Purchases Mercury Financial for $162 Million
select
Sign Up For More Events
Sign Up For More Events

News

[object Object]
Preview
9.5
11-10NASDAQ.COM
Atlanticus Holdings Corporation Reports Decline in Q3 Income, Falling Short of Projections

  • Earnings Performance: Atlanticus Holdings Corporation reported a third-quarter profit of $22.67 million, down from $23.22 million the previous year, resulting in earnings per share of $1.21 compared to $1.27 last year.

  • Analyst Expectations: The company's earnings fell short of analysts' expectations, which had forecasted earnings of $1.79 per share, typically excluding special items.

  • Revenue Growth: Despite the drop in earnings, Atlanticus Holdings saw a significant revenue increase of 40.8%, rising to $494.67 million from $351.22 million in the same quarter last year.

  • Earnings Summary: Key financial figures for Atlanticus Holdings include earnings of $22.67 million, EPS of $1.21, and revenue of $494.67 million, reflecting both a decline in earnings and substantial revenue growth.

[object Object]
Preview
4.0
10-27Benzinga
BTIG Affirms Buy Rating for Atlanticus Holdings, Keeps $105 Price Target Intact

  • Real-time Intelligence: Benzinga Pro offers the fastest news alerts for traders, helping them stay informed and make timely decisions in the stock market.

  • Exclusive Content: The platform provides exclusive stories and insights generated by Benzinga reporters, enhancing the trading experience for its users.

  • Community Engagement: Over 10,000 serious traders are part of the Benzinga Pro community, fostering a collaborative environment for sharing market intelligence.

  • Market Winning Tools: Benzinga Pro equips traders with tools and information designed to improve their chances of success in the markets.

[object Object]
Preview
4.0
09-15Benzinga
B. Riley Securities Reaffirms Buy Rating for Atlanticus Holdings and Increases Price Target to $90

  • Real-time Intelligence: Benzinga Pro offers the fastest news alerts for traders, helping them stay informed and make timely decisions in the stock market.

  • Community and Exclusivity: Joining Benzinga Pro connects users with over 10,000 serious traders and provides access to exclusive stories and insights from Benzinga reporters.

Sign Up For More News

People Also Watch

FAQ

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What is Atlanticus Holdings Corp (ATLC) stock price today?

The current price of ATLC is 59.58 USD — it has increased 1.59 % in the last trading day.

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What is Atlanticus Holdings Corp (ATLC)'s business?

Atlanticus Holdings Corporation is a financial technology company. The Company is focused on facilitating consumer credit through the use of financial technology and related services. The Credit as a Service (CaaS) segment includes its private-label credit and general-purpose credit cards, which, through its bank partners, provide financing solutions to consumers. The Auto Finance segment purchases and/or services loans secured by automobiles and provides other financing options to independent automotive dealers and automotive finance companies. Its private-label and general-purpose card products are originated by The Bank of Missouri and WebBank. Its bank partners originate these accounts through multiple channels, including retail and healthcare point-of-sale locations, direct mail solicitation, digital marketing and partnerships with third parties. The Company uses its technology and proprietary predictive analytics, lenders can make instant credit decisions.

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What is the price predicton of ATLC Stock?

Wall Street analysts forecast ATLC stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for ATLC is 88.25 USD with a low forecast of 63.00 USD and a high forecast of 105.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

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What is Atlanticus Holdings Corp (ATLC)'s revenue for the last quarter?

Atlanticus Holdings Corp revenue for the last quarter amounts to 178.80M USD, increased 49.73 % YoY.

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What is Atlanticus Holdings Corp (ATLC)'s earnings per share (EPS) for the last quarter?

Atlanticus Holdings Corp. EPS for the last quarter amounts to 1.21 USD, decreased -4.72 % YoY.

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What changes have occurred in the market's expectations for Atlanticus Holdings Corp (ATLC)'s fundamentals?

The market is revising Upward the revenue expectations for Atlanticus Holdings Corporation (ATLC) for FY2025, with the revenue forecasts being adjusted by 23.94% over the past three months. During the same period, the stock price has changed by -12.18%.
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How many employees does Atlanticus Holdings Corp (ATLC). have?

Atlanticus Holdings Corp (ATLC) has 417 emplpoyees as of December 05 2025.

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What is Atlanticus Holdings Corp (ATLC) market cap?

Today ATLC has the market capitalization of 902.13M USD.

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