ATLC Stock: Price, Forecast, Financials & AI Analysis

High

Open

VWAP

Vol

Mkt Cap

Low

Amount

EV/EBITDA(TTM)

Total Shares

EV/OCF(TTM)

P/S(TTM)

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2025Q4

FY2026Q1

FY2026Q2

700.10M

+98.05%

1.623

+14.32%

688.52M

+99.47%

1.753

+17.67%

732.34M

+85.8%

1.915

+26.82%

Estimates Revision

The market is revising Downward the revenue expectations for Atlanticus Holdings Corporation (ATLC) for FY2025, with the revenue forecasts being adjusted by -3.34% over the past three months. During the same period, the stock price has changed by 14.17%.

Revenue Estimates for FY2025

Revise Downward

-3.34%

In Past 3 Month

EPS Estimates for FY2025

Revise Downward

-6.01%

In Past 3 Month

Stock Price

Go Up

+14.17%

In Past 3 Month

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: 0.000

Low

63.00

Averages

88.25

High

105.00

Current: 0.000

Low

63.00

Averages

88.25

High

105.00

B. Riley

NULL

Buy

initiated

$90

2026-01-07

New

Reason

B. Riley

Price Target

$90

2026-01-07

New

initiated

NULL

Buy

Reason

B. Riley resumed coverage of Atlanticus with a Buy rating and $90 price target. The company's fintech platform and go-to-market strategy target underbanked consumers across credit cards, POS, healthcare, and auto financing, with a $6B portfolio and potential to consolidate the $1T annual origination market, the analyst tells investors in a research note. The firm sees additional upside from recent acquisitions and a more favorable 2026 consumer environment.

Citizens

Outperform

maintain

$95 -> $100

2025-12-11

Reason

Citizens

Price Target

$95 -> $100

2025-12-11

maintain

Outperform

Reason

Citizens raised the firm's price target on Atlanticus to $100 from $95 and keeps an Outperform rating on the shares. Atlanticus announced Wednesday that it refinanced one of its acquired Mercury securitization facilities, which should drive incremental earnings upside, the analyst tells investors in a research note.

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.

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 7.14. 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.

5Y Average PE

7.14

Current PE

8.46

Overvalued PE

9.00

Undervalued PE

5.28

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.

5Y Average PS

0.51

Current PS

0.35

Overvalued PS

0.73

Undervalued PS

0.29

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

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

ATLC News & Events

Events Timeline

No data

News

7.5

2025-12-10Globenewswire

Atlanticus Refinances $750 Million Bond, Achieving 200+ Basis Points Rate Reduction

9.5

2025-11-10NASDAQ.COM

Atlanticus Holdings Corporation Reports Decline in Q3 Income, Falling Short of Projections

4.0

2025-10-27Benzinga

BTIG Affirms Buy Rating for Atlanticus Holdings, Keeps $105 Price Target Intact

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Frequently Asked Questions

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

The current price of ATLC is 66 USD — it has decreased -0.45 % in the last trading day.

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?

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.

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.

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

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

Atlanticus Holdings Corp (ATLC) has 417 emplpoyees as of January 10 2026.

What is Atlanticus Holdings Corp (ATLC) market cap?

Today ATLC has the market capitalization of 999.34M USD.