ATLC

Atlanticus Holdings Corp

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Advanced Chart

50.240

-0.98(-1.913%)1D

Overview
Forecast
Valuation
Earnings

Line

Candle

YTD

High

51.560

Open

51.560

VWAP

50.90

Vol

35.45K

Mkt Cap

759.94M

Low

50.160

Amount

1.80M

EV/EBITDA(TTM)

19.19

Total Shares

14.79M

2.92B

EV/OCF(TTM)

6.06

P/S(TTM)

1.94

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.

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2025Q4

FY2025Q3

FY2025Q2

387.72M

+9.68%

374.12M

+6.52%

355.04M

+12.35%

Estimates Revision

The market is revising Downward the revenue expectations for Atlanticus Holdings Corporation (ATLC) for FY2025, with the revenue forecasts being adjusted by -0.43% over the past three months. During the same period, the stock price has changed by -9.71%.

Revenue Estimates for FY2025

Revise Downward

-0.43%

In Past 3 Month

Stock Price

Go Down

-9.71%

In Past 3 Month

4 Analyst Rating

42.32% Upside

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 71.50 USD with a low forecast of 60.00 USD and a high forecast of 84.00 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

42.32% Upside

Current: 50.240

Low

60.00

Averages

71.50

High

84.00

42.32% Upside

Current: 50.240

Low

60.00

Averages

71.50

High

84.00

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.

Keefe Bruyette

Market Perform

maintain

$52 -> $60

2025-05-12

Reason

Keefe Bruyette

Price Target

$52 -> $60

2025-05-12

maintain

Market Perform

Reason

Keefe Bruyette raised the firm's price target on Atlanticus to $60 from $52 and keeps a Market Perform rating on the shares. There were strong underlying trends within the results given the accelerating receivables growth, the analyst tells investors in a research note.

BTIG

Vincent Caintic

Buy

downgrade

$90 -> $84

2025-05-11

Reason

BTIG

Vincent Caintic

Price Target

$90 -> $84

2025-05-11

downgrade

Buy

Reason

BTIG analyst Vincent Caintic lowered the firm's price target on Atlanticus to $84 from $90 and keeps a Buy rating on the shares post the earnings report. The firm cites the expenses needed to drive the company's growth for the target cut. Atlanticus is performing well and the thesis of it growing share in the credit card space is intact, the analyst tells investors in a research note.

Citizens Capital Markets

David Scharf

Buy

Maintains

$75 → $72

2025-03-21

Reason

Citizens Capital Markets

David Scharf

Price Target

$75 → $72

2025-03-21

Maintains

Buy

Reason

Citizens JMP analyst David Scharf lowered the firm's price target on Atlanticus to $72 from $75 and keeps an Outperform rating on the shares. The firm updated its forecast to reflect larger investments in personnel following both improvements in the macroeconomic outlook for the company's target customers and the significant reduction in the overhang from the finalized late fee rules, the analyst tells investors in a research note. Investments in the business are expected to rise as the company catches up following prudent cost management, the firm says.

Keefe, Bruyette & Woods

Tim Switzer

Hold

Reiterates

$45 → $52

2025-03-17

Reason

Keefe, Bruyette & Woods

Tim Switzer

Price Target

$45 → $52

2025-03-17

Reiterates

Hold

Reason

Keefe Bruyette raised the firm's price target on Atlanticus to $52 from $45 and keeps a Market Perform rating on the shares. Strong momentum should carry into 2025, the analyst tells investors in a research note.

Citizens Capital Markets

David Scharf

Buy

Reiterates

$75

2025-03-14

Reason

Citizens Capital Markets

David Scharf

Price Target

$75

2025-03-14

Reiterates

Buy

Reason

See All Ratings

Valuation Metrics

The current forward P/E ratio for Atlanticus Holdings Corp (ATLC.O) is 8.36, compared to its 5-year average forward P/E of 6.39. For a more detailed relative valuation and DCF analysis to assess Atlanticus Holdings Corp 's fair value, click here.

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.

Fair

5Y Average PE

6.39

Current PE

8.36

Overvalued PE

9.07

Undervalued PE

3.71

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.

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.

Fair

5Y Average PS

0.48

Current PS

0.53

Overvalued PS

0.74

Undervalued PS

0.22