Atlanticus (ATLC) Stock Price, News & Analysis

Company Overview

Atlanticus Holdings Corporation is a specialty financial services holding company that provides credit products and solutions to consumers across the United States. Through its subsidiaries, the company offers proprietary credit card programs, installment loan products and deposit accounts designed to serve customers who may have limited access to traditional credit. Atlanticus markets its offerings through a variety of channels, including direct‐to‐consumer online platforms, mail order, call centers and partnerships with retail and e-commerce businesses.

The company underwrites and services credit card portfolios under private-label and co-branded agreements, combining technology‐enabled underwriting with tailored customer service. In addition to revolving credit lines, Atlanticus provides fixed-term installment loans and operates a nationwide deposit program in collaboration with a third-party banking partner. Its focus on data analytics and risk management supports credit decisioning for near-prime and subprime borrowers, while compliance and portfolio monitoring functions help maintain regulatory standards.

Founded in 1991 under the name FIMC Financial Services, the organization restructured and rebranded as Atlanticus Holdings Corporation in 2012. Since becoming a publicly traded company, Atlanticus has continued to refine its credit offerings, enhance its servicing platforms and expand digital marketing capabilities. The company’s operations are headquartered in the Atlanta area, with additional servicing centers located throughout key regions of the United States.

Leadership at Atlanticus comprises seasoned executives with backgrounds in consumer finance, risk management and financial technology. The management team focuses on balancing growth in customer acquisition with prudent underwriting standards, while investing in technology initiatives that automate underwriting, payments processing and customer engagement. This strategic approach positions Atlanticus to address evolving consumer credit needs and digital trends within the specialty finance sector.

Key Stats

• Today's Range: $53.44 to $54.83
• 50-Day Range: $53.47 to $76.15
• 52-Week Range: $35.36 to $78.91
• Volume: 41,438 shs
• Average Volume: 84,362 shs
• Market Capitalization: $812.52 million
• P/E Ratio: 9.44
• Dividend Yield: N/A
• Price Target: $76.60
• Consensus Rating: Moderate Buy

Atlanticus Stock Analysis - MarketRank™

Atlanticus scored higher than 78% of companies evaluated by MarketBeat, and ranked 386th out of 931 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 2.71, and is based on 5 buy ratings, 2 hold ratings, and no sell ratings.

Upside Potential

Atlanticus has a consensus price target of $76.60, representing about 42.6% upside from its current price of $53.72.

Amount of Analyst Coverage

Atlanticus has been the subject of 5 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 24.72%

Earnings Growth

Earnings for Atlanticus are expected to grow by 24.72% in the coming year, from $4.49 to $5.60 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Atlanticus is 9.44, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 219.48.

Price to Earnings Ratio vs. Sector

The P/E ratio of Atlanticus is 9.44, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 28.55.

Price to Book Value per Share Ratio

Atlanticus has a P/B Ratio of 1.62. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

3.67% 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 5.1.

Change versus previous month

Short interest in Atlanticus has recently increased by 7.40%, 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.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

3.67% 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 5.1.

Change versus previous month

Short interest in Atlanticus has recently increased by 7.40%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 1.5 / 5
• News Sentiment: N/A

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 news sentiment score is similar to the average news sentiment of Finance companies.

Company Ownership

• Score: 2.5 / 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 $124,780.00 in company stock.

Percentage Held by Insiders

50.40% 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

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

ATLC Stock Analysis - Frequently Asked Questions

How have ATLC shares performed this year?

Atlanticus' stock was trading at $55.78 at the beginning of the year. Since then, ATLC shares have decreased by 3.7% and is now trading at $53.72.

How were Atlanticus' earnings last quarter?

Atlanticus Holdings Corporation (NASDAQ:ATLC) announced its quarterly earnings results on Thursday, August, 7th. The credit services provider reported $1.51 EPS for the quarter, topping analysts' consensus estimates of $1.30 by $0.21. The credit services provider had revenue of $393.82 million for the quarter, compared to analyst estimates of $373.87 million. Atlanticus had a net margin of 8.51% and a trailing twelve-month return on equity of 24.20%.

Who are Atlanticus' major shareholders?

Top institutional shareholders of Atlanticus include Voya Investment Management LLC (0.05%) and World Investment Advisors (0.02%). Insiders that own company stock include David G Hanna, Frank J Hanna III, Deal W Hudson, Mitchell Saunders, Dennis H James Jr and Denise M Harrod.
View institutional ownership trends.

How do I buy shares of Atlanticus?

Shares of ATLC stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Atlanticus own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Atlanticus investors own include NVIDIA (NVDA), Tesla (TSLA), Advanced Micro Devices (AMD), Meta Platforms (META), Netflix (NFLX), Home Depot (HD) and JPMorgan Chase & Co. (JPM).

Company Calendar

• Last Earnings: 8/07/2025
• Record date for 9/15 Dividend: 9/01/2025
• Dividend Payable: 9/15/2025
• Today: 10/19/2025
• Next Earnings (Estimated): 11/06/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: FIN - MISC SVCS
• Sub-Industry: Banking
• Current Symbol: NASDAQ:ATLC
• CIK: 1464343
• Web: www.atlanticus.com
• Phone: (770) 828-2000
• Fax: 770-901-5859
• Employees: 330
• Year Founded: 1996

Price Target and Rating

• Average Price Target for Atlanticus: $76.60
• High Price Target: $95.00
• Low Price Target: $54.00
• Potential Upside/Downside: +42.6%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.71
• Research Coverage: 7 Analysts

Profitability

• EPS (Trailing Twelve Months): $5.69
• Trailing P/E Ratio: 9.44
• Forward P/E Ratio: 11.96
• P/E Growth: N/A
• Net Income: $111.30 million
• Net Margins: 8.51%
• Pretax Margin: 10.95%
• Return on Equity: 24.20%
• Return on Assets: 3.72%

Debt

• Debt-to-Equity Ratio: 0.55
• Current Ratio: 1.38
• Quick Ratio: 1.38

Sales & Book Value

• Annual Sales: $342.38 million
• Price / Sales: 2.37
• Cash Flow: $8.71 per share
• Price / Cash Flow: 6.17
• Book Value: $33.20 per share
• Price / Book: 1.62

Miscellaneous

• Outstanding Shares: 15,125,000
• Free Float: 7,502,000
• Market Cap: $812.52 million
• Optionable: No Data
• Beta: 2.15