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ATLC Overview

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$
0.000
0.000(0.000%)
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0.000(0.000%)Aft-market
ET
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0.000
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0.000(0.000%)Aft-market
ET
OverviewStock Price PredictionTechnicalValuationFinancialsEarningsShould I BuyNews & Events
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Intellectia

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High
52.200
Open
52.200
VWAP
51.68
Vol
42.74K
Mkt Cap
786.25M
Low
51.530
Amount
2.21M
EV/EBITDA(TTM)
39.61
Total Shares
14.92M
EV
6.72B
EV/OCF(TTM)
10.53
P/S(TTM)
1.43
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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Events Timeline

(ET)
2026-03-12
17:10:00
Atlanticus Reports Q4 Revenue of $734.39M
select
2025-11-10 (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

News

Yahoo Finance
9.5
03-12Yahoo Finance
Atlanticus Holdings Reports Strong Q4 and Full Year 2025 Earnings
  • Acquisition Impact: Atlanticus Holdings' acquisition of Mercury Financial effectively doubled its balance sheet to $7.0 billion, adding over 1.3 million customers and significantly enhancing the company's capabilities and competitiveness in the near-prime market.
  • Strong Financial Performance: In Q4 2025, diluted earnings per share grew 23% year-over-year, with a full-year increase of 25%, while achieving over 20% return on equity, demonstrating the company's robust performance and profitability in the market.
  • Expanded Customer Base: The number of customers increased from 1.2 million to approximately 6.0 million, reflecting a 38% annual growth rate, indicating Atlanticus's success in meeting consumer needs and increasing market penetration.
  • Optimistic Future Outlook: Despite a moderated asset growth rate post-acquisition, the company targets long-term earnings growth of over 20%, showcasing confidence in future market opportunities and strategic positioning.
seekingalpha
9.5
03-12seekingalpha
Atlanticus Holdings Q4 Earnings Exceed Expectations
  • Earnings Beat: Atlanticus Holdings reported a Q4 GAAP EPS of $1.75, surpassing expectations by $0.16, indicating robust profitability growth that bolsters investor confidence.
  • Significant Revenue Growth: The company achieved Q4 revenue of $734.38 million, reflecting a year-over-year increase of 107.9%, exceeding estimates by $42.57 million, which highlights the success of its business model and strong market demand.
  • Positive Market Reaction: The earnings report's positive surprise is likely to impact Atlanticus Holdings' stock price favorably, attracting more investor interest and potentially increasing the company's market share in the financial services sector.
  • Optimistic Future Outlook: With ongoing growth and improved profitability, Atlanticus Holdings demonstrates strong potential for future financial performance, which may lead analysts to issue more favorable ratings.
Newsfilter
9.5
03-06Newsfilter
Atlanticus to Host Q4 2025 Financial Results Conference Call
  • Earnings Call Announcement: Atlanticus Holdings will host a conference call on March 12, 2026, at 5:00 PM ET to discuss its Q4 and full-year 2025 financial results, expected to provide key financial metrics and operational insights.
  • Webcast Accessibility: The live webcast will be available on the Atlanticus Investor Relations website, with an archived version accessible for 45 days post-event, ensuring transparency and investor engagement.
  • Company Overview: Atlanticus Holdings is a financial technology firm that enables over 20 million customers to access more inclusive financial services through its bank, retail, and healthcare partners, having facilitated over $50 billion in consumer loans to date.
  • Technological and Experience Edge: Leveraging over 30 years of operational experience and advanced analytics, Atlanticus supports lenders across a broad range of consumer credit products, aiming to enhance financial outcomes for everyday Americans and solidify its market position.
Globenewswire
7.5
2025-12-10Globenewswire
Atlanticus Refinances $750 Million Bond, Achieving 200+ Basis Points Rate Reduction
  • Successful Refinancing: On December 4, 2025, Atlanticus successfully refinanced $750 million in term securitization, with the new bonds having a three-year term and more favorable structural elements, achieving an immediate reduction of over 200 basis points in the coupon rate, significantly lowering financing costs and enhancing financial flexibility.
  • Investor Support: CEO Jeff Howard noted that the continued support from global investors in their securitization programs was crucial to this refinancing success, indicating strong market confidence in Atlanticus and its Mercury subsidiaries, further driving brand expansion.
  • Integration Progress: Atlanticus is ahead of plan in its integration efforts between Atlanticus and Mercury, with focused teamwork laying a solid foundation for future success, which is expected to continue driving business growth.
  • Long-term Strategic Goals: This refinancing not only reduces costs but also establishes a foundation for Atlanticus to achieve broader financial service coverage in 2026 and beyond, aiming to empower more everyday Americans and improve their financial outcomes.
NASDAQ.COM
9.5
2025-11-10NASDAQ.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.

Benzinga
4.0
2025-10-27Benzinga
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.

Wall Street analysts forecast ATLC stock price to rise
3 Analyst Rating
Wall Street analysts forecast ATLC stock price to rise
3 Buy
0 Hold
0 Sell
Strong Buy
Current: 0.000
sliders
Low
90.00
Averages
98.33
High
105.00
Current: 0.000
sliders
Low
90.00
Averages
98.33
High
105.00
B. Riley
Hal Geotsch
Buy
maintain
$90 -> $98
AI Analysis
2026-03-23
Reason
B. Riley
Hal Geotsch
Price Target
$90 -> $98
AI Analysis
2026-03-23
maintain
Buy
Reason
B. Riley analyst Hal Geotsch raised the firm's price target on Atlanticus to $98 from $90 and keeps a Buy rating on the shares. Atlanticus delivered a strong EPS report and outlook, prompting higher 2026/2027 estimates to $8.48/$11.53 on organic growth and accretion from the Mercury acquisition and Vive portfolio purchase, the analyst tells investors in a research note. Despite expectations for 20%+ EPS growth and ROE, shares are already pricing in macro-driven earnings risk, B. Riley says.
Citizens
Outperform
maintain
$100 -> $102
2026-03-17
Reason
Citizens
Price Target
$100 -> $102
2026-03-17
maintain
Outperform
Reason
Citizens raised the firm's price target on Atlanticus to $102 from $100 and keeps an Outperform rating on the shares. Consumer demand and credit trends remain stable despite recent macro headlines overhanging the consumer finance sector, while competition is not impacting originations, the analyst tells investors in a research note. The company has already implemented a significant share of the planned revenue synergies with Mercury while cost benefits continue to materialize, the firm adds.
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Valuation Metrics

The current forward P/E ratio for Atlanticus Holdings Corp (ATLC.O) is 8.46, compared to its 5-year average forward P/E of 7.30. 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.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PE
7.30
Current PE
8.46
Overvalued PE
9.04
Undervalued PE
5.55

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
5Y Average PS
0.51
Current PS
0.35
Overvalued PS
0.73
Undervalued PS
0.29

Financials

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Frequently Asked Questions

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

The current price of ATLC is 51.32 USD — it has decreased -2.62

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.

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 is98.33 USD with a low forecast of 90.00 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.

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

Atlanticus Holdings Corp revenue for the last quarter amounts to 247.73M USD, increased 85.74

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 1.75 USD, increased 23.24

How many employees does Atlanticus Holdings Corp (ATLC). have?

Atlanticus Holdings Corp (ATLC) has 576 emplpoyees as of March 31 2026.

What is Atlanticus Holdings Corp (ATLC) market cap?

Today ATLC has the market capitalization of 786.25M USD.