ATLC Should I Buy
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Atlanticus Holdings Corp (ATLC) is not a strong buy for a beginner, long-term investor at this moment. While the company has a promising fintech platform and analysts have set high price targets, the recent financial performance shows declining net income, EPS, and gross margin. Additionally, there are no strong technical or proprietary trading signals to suggest an immediate entry point. The lack of recent news or trading trends further supports a cautious approach.
The technical indicators are neutral. The MACD is positive but contracting, the RSI is neutral at 48.355, and moving averages are converging. The stock is trading near its pivot level of 54.191, with resistance at 57.255 and support at 51.127. There is no clear bullish or bearish trend.
and maintain a Buy/Outperform rating, citing the company's strong fintech platform and potential market consolidation. Recent refinancing of Mercury securitization facilities is expected to drive incremental earnings upside.
The company's Q3 2025 financials show declining net income (-2.40% YoY), EPS (-4.72% YoY), and gross margin (-10.29% YoY). Additionally, there are no significant hedge fund or insider trading trends, and no recent news or events to act as a catalyst.
In Q3 2025, revenue increased by 49.73% YoY to $178.8M. However, net income dropped by 2.40% YoY to $22.67M, EPS decreased by 4.72% YoY to 1.21, and gross margin fell by 10.29% YoY to 57.79%. While revenue growth is strong, profitability metrics are declining.
Analysts are bullish on ATLC, with B. Riley resuming coverage with a Buy rating and a $90 price target, and Citizens raising the price target to $100. Analysts highlight the company's fintech platform, market consolidation potential, and recent refinancing as positive factors.
