Atlanticus (ATLC) Stock Price, News & Analysis

Company Overview

Atlanticus Holdings Corporation is a financial technology company that provides credit and related financial services to consumers, particularly those who may have limited access to traditional lending products. The company works with merchants, financial institutions and other business partners to offer financing options at the point of sale and through direct-to-consumer channels.

Its consumer finance activities include retail credit programs, private-label and general-purpose credit cards, personal lending products and other installment financing. Atlanticus also provides financing for purchases in areas such as home improvement, healthcare, automotive and other retail categories. Through its auto finance operations, the company supports vehicle financing originated through dealer relationships.

Atlanticus was formerly known as CompuCredit and adopted the Atlanticus name in 2012. Its business primarily serves consumers in the United States through lending platforms, merchant relationships and financial-services brands, including Fortiva. The company also provides technology, servicing and other support capabilities connected with its credit products.

Key Stats

• Today's Range: $93.70 to $95.41
• 50-Day Range: $89.24 to $111.79
• 52-Week Range: $47.50 to $114.34
• Volume: 48,384 shs
• Average Volume: 124,736 shs
• Market Capitalization: $1.43 billion
• P/E Ratio: 12.28
• Dividend Yield: N/A
• Price Target: $129.00
• Consensus Rating: Moderate Buy

Atlanticus Stock Analysis - MarketRank™

Atlanticus scored higher than 86% of companies evaluated by MarketBeat, and ranked 214th out of 851 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 4.4 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Atlanticus has received a consensus rating of Moderate Buy. The company's average rating score is 2.89, and is based on 1 strong buy rating, 6 buy ratings, 2 hold ratings, and no sell ratings.

Upside Potential

Atlanticus has a consensus price target of $129.00, representing about 36.6% upside from its current price of $94.46.

Amount of Analyst Coverage

Atlanticus has been the subject of 8 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 35.87%

Earnings Growth

Earnings for Atlanticus are expected to grow by 35.87% in the coming year, from $9.73 to $13.22 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Atlanticus is 12.28, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 44.90.

Price to Earnings Ratio vs. Sector

The P/E ratio of Atlanticus is 12.28, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 25.67.

Price to Book Value per Share Ratio

Atlanticus has a P/B Ratio of 2.37. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 1.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

7.23% of the float of Atlanticus has been sold short.

Short Interest Ratio / Days to Cover

Atlanticus has a short interest ratio ("days to cover") of 4.52.

Change versus previous month

Short interest in Atlanticus has recently increased by 15.32%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

Atlanticus does not currently pay a dividend.

Dividend Growth

Atlanticus does not have a long track record of dividend growth.

News and Social Media

• Score: 2.3 / 5
• News Sentiment: 0.67

News Sentiment

Atlanticus has a news sentiment score of 0.67. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.88 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 3 news articles for Atlanticus this week, compared to 3 articles on an average week.

Search Interest

Only 1 people have searched for ATLC on MarketBeat in the last 30 days. This is a decrease of -80% compared to the previous 30 days.

MarketBeat Follows

3 people have added Atlanticus to their MarketBeat watchlist in the last 30 days. This is an increase of 200% compared to the previous 30 days.

Company Ownership

• Score: 1.6 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Atlanticus insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $7,868,627.00 in company stock.

Percentage Held by Insiders

51.00% of the stock of Atlanticus is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

14.15% of the stock of Atlanticus is held by institutions.

Company Calendar

• Last Earnings: 8/06/2026
• Today: 9/13/2026
• Next Earnings (Estimated): 11/09/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Consumer Finance
• Sub-Industry: Consumer Finance
• Current Symbol: NASDAQ:ATLC
• CIK: 1464343
• Web: www.atlanticus.com
• Phone: (770) 828-2000
• Fax: 770-901-5859
• Employees: 576
• Year Founded: 1996

Price Target and Rating

• Average Price Target for Atlanticus: $129.00
• High Price Target: $179.00
• Low Price Target: $100.00
• Potential Upside/Downside: +36.6%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.89
• Research Coverage: 9 Analysts

Profitability

• EPS (Trailing Twelve Months): $7.69
• Trailing P/E Ratio: 12.28
• Forward P/E Ratio: 9.71
• P/E Growth: N/A
• Net Income: $122.20 million
• Net Margins: 5.80%
• Pretax Margin: 7.67%
• Return on Equity: 25.17%
• Return on Assets: 2.15%

Debt

• Debt-to-Equity Ratio: 0.99
• Current Ratio: 1.26
• Quick Ratio: 1.26

Sales & Book Value

• Annual Sales: $1.97 billion
• Price / Sales: 0.73
• Cash Flow: $10.29 per share
• Price / Cash Flow: 9.18
• Book Value: $39.88 per share
• Price / Book: 2.37

Miscellaneous

• Outstanding Shares: 15,170,000
• Free Float: 7,433,000
• Market Cap: $1.43 billion
• Optionable: No Data
• Beta: 2.02