Atlanticus Holdings Corporation (ATLC) fair value analysis
Nasdaq · Updated 2026-10-19
ATLC price how computed
Forward Fair Value verdict
UndervaluedATLC is trading at a 10–25% discount to estimated fair value.
Based on TickrTrends' weekly Forward Fair Value model.
- Last price
- $92.02
- Sector
- Financial Services
- 12-month range
- $47.96–$111.79
- Market cap
- $1.4B
- From 52-week high
- -17.7%
- Shares outstanding
- 15.2M
- Rank in Financial Services by discount to fair value
- #44 of 167
Last price is our stored weekly price from 2026-10-16, older than the 2026-10-19 run that built this page; the chart runs through 2026-10-16.
Atlanticus Holdings Corporation is a financial services company that provides credit products and related services to consumers. The company operates primarily in the United States market.
ATLC currently ranks #44 of 167 Financial Services stocks by discount to fair value. Its Undervalued verdict is new as of this week's run.
Fundamentals (4 quarters) how computed
- Market cap
- $1.4B
- P/E (trailing)
- 12x
- Revenue (TTM)
- $1.66B
- Net margin
- 9.3%
- EPS (TTM)
- $7.69
- Gross margin
- 95.1%
- Debt / equity
- 8.48
- Revenue growth (3-yr avg)
- 167.9%
- Shares outstanding
- 15.2M
Derived indicators how computed
- Quality grade
- A
- Margin trend
- Expanding
- 52-week position
- The upper-middle quarter of its range
Technicals how computed
- RSI (14-day)
- 45 · neutral
- 50-day average
- $93.58
- 200-day average
- $79.09
- Moving-average state
- 50-day above 200-day (golden cross state); price between the averages
Dividends how computed
- Dividend
- None in the last 12 months (last ex-date 2009-12-29)
Earnings how computed
- Next earnings report
- 2026-11-09
- Last 8 quarters vs consensus
- 5 beat, 2 missed
- Quarter by quarter
- 2026-06 ▬ met (0.0%)
2026-03 ▲ beat (+34.3%)
2025-12 ▲ beat (+8.0%)
2025-09 ▼ miss (-24.4%)
2025-06 ▲ beat (+16.2%)
2025-03 ▼ miss (-0.7%)
2024-12 ▲ beat (+11.4%)
2024-09 ▲ beat (+4.1%)
Analyst consensus how computed
This is not TickrTrends' verdict.
- Analyst ratings
- 5 buy · 0 hold · 0 sell (5 analysts)
- Consensus lean
- Buy-leaning
- Consensus price target
- $131
- Target vs last price
- +42.4%
What our data shows for ATLC
- Our model validated 14 trailing price-to-earnings windows for ATLC, built from quarterly earnings records.
- Shares are trading in the upper third of their 12-month price range of $47.96–$111.79.
- The 14-day relative strength index sits at a neutral 45.
The exact numbers are one step away
- The precise Forward Fair Value dollar figure for ATLC
- Exact discount / premium to today's price
- The normalized historical P/E behind the estimate, and how many quarters support it
- Forward EPS input and fiscal-year basis
- Screeners and rankings across the full S&P 500 and Nasdaq universes
Forward Fair Value applies a conservatively normalized historical price-to-earnings multiple to the consensus earnings estimate for the next full fiscal year; how TickrTrends computes it.
Recent ATLC news
TickrTrends' derived news-sentiment signal for ATLC is currently leaning positive, computed from recent coverage.
- Atlanticus Holdings: Strong Growth Comes With High Credit Risk (NASDAQ:ATLC) (seekingalpha.com, 2026-10-14)
TickrTrends take: Atlanticus Holdings operates in the Financial Services sector where credit risk is a material factor in valuation assessments, and the company's strong growth trajectory must be weighed against the elevated credit exposure inherent to its business model. TickrTrends currently assesses ATLC as fairly valued, suggesting the market has already incorporated both the growth opportunity and the associated credit risk into the stock price. Investors monitoring this valuation should focus on whether credit metrics improve or deteriorate, as changes in default rates or loss provisions could shift the risk-reward calculation substantially. - Atlanticus Holdings (ATLC) Sells Auto Finance Unit. Can it Replace Lost Earnings? (insidermonkey.com, 2026-09-23)
TickrTrends take: Atlanticus Holdings has divested its auto finance unit, which represents a significant operational change that will affect the company's earnings capacity and financial profile going forward. Given TickrTrends' current undervalued assessment, investors focused on valuation should monitor whether management can successfully redeploy the capital from this sale into higher-margin business segments or whether the lost earnings create a material gap in revenue generation. The sale's ultimate impact on the company's financial performance will be crucial in determining whether the current undervalued designation remains justified or requires reassessment. - Atlanticus Completes Sale of CAR Auto Finance Operations (manilatimes.net, 2026-09-17)
TickrTrends take: Atlanticus' completion of the CAR Auto Finance operations sale represents a significant portfolio restructuring that could impact how analysts evaluate the company's asset base and future earnings composition. For readers focused on valuation, the proceeds from this divestiture and how management deploys the capital will be critical to monitor, as it may alter the company's financial metrics and operational leverage in the Financial Services sector. TickrTrends' current Undervalued assessment will likely depend on whether the market adequately prices in both the transaction's cash impact and any strategic shift in the company's business focus.
More ATLC news
- Atlanticus to Participate in U.S. Bancorp | BTIG Consumer Finance Conference 2026 (manilatimes.net, 2026-09-10)
What people are saying
Follow the ATLC conversation: Stocktwits · Reddit · X
TickrTrends weekly updates
- 2026-10-19 — ATLC in the Financial Services sector moved to a stronger valuation position this week. The stock's sector discount rank improved from number 56 to number 47, indicating it is trading at a more attractive relative valuation within its sector. The valuation verdict shifted from Fairly valued to Undervalued according to TickrTrends' derived indicators.
- 2026-10-12 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-11 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-10 — ATLC, a Financial Services sector company, moved from an undervalued to fairly valued status this week. The stock's sector discount rank declined from number 50 to number 59, indicating a reduced discount relative to its sector peers.
- 2026-10-05 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-28 — ATLC's position within the Financial Services sector has shifted this week, with its sector discount rank declining from 38 to 49. The company maintains an undervalued valuation verdict according to TickrTrends' derived indicators. This movement suggests ATLC's relative valuation discount within its sector has narrowed compared to the previous week.
- 2026-09-21 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-17 — No material change this week: the verdict, bands and grades all held steady.
Frequently asked questions
Is ATLC stock undervalued?
Based on TickrTrends' Forward Fair Value model (updated 2026-10-19), ATLC is trading at a 10–25% discount to estimated fair value and screens as undervalued. The exact fair value and discount are available to subscribers.
What is ATLC's TickrTrends verdict?
ATLC's current verdict is Undervalued, refreshed with every weekly Forward Fair Value run.
How does ATLC compare to other Financial Services stocks?
ATLC ranks #44 of 167 Financial Services stocks in TickrTrends' coverage by discount to fair value.
Is ATLC overbought or oversold?
ATLC's 14-day RSI is in neutral territory - neither overbought nor oversold.
Does ATLC pay a dividend?
ATLC has paid no dividend in the last twelve months; its last ex-dividend date on file was 2009-12-29.
When does ATLC report earnings next?
ATLC's next earnings report is scheduled for 2026-11-09, per the published earnings calendar.
Does ATLC usually beat earnings estimates?
Over its last 8 reported quarters ATLC beat the consensus estimate 5 times and missed 2 times, by TickrTrends' comparison of reported and estimated EPS.
What do analysts say about ATLC?
Of 5 analysts covering ATLC, 5 rate it a buy, 0 a hold and 0 a sell - buy-leaning, with a consensus price target of $131 (+42.4% versus TickrTrends' last price). This is the analyst consensus, not TickrTrends' Forward Fair Value verdict.
More in Financial Services
Head-to-head comparisons
ATLC vs AMSF · ATLC vs BLK · ATLC vs CBSH · ATLC vs EBC · ATLC vs EG