Atlanticus (ATLC) Stock: Buy, Sell, or Hold?
ATLC - Atlanticus Holdings Corporation
$93.73
1.98 (2.16%)
â˛
5d:
+2.0%
30d:
+0.4%
90d:
-2.98%
WAIT
LOW Confidence
Analysis Updated: Oct 9, 2026 12:00 AM ET
Earnings: Nov 09, 2026
27d
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Interactive Price Chart (1 Month)
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Bottom Line:
âšī¸ NEUTRAL: ATLC is fairly priced but lacks strong directional signals. At 1.4% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
âšī¸ NEUTRAL: ATLC is fairly priced but lacks strong directional signals. At 1.4% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$174.76
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$108.51
13.6% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 6.6x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: ATLC is currently trading at $93.73, which is considered slightly high relative to its 30-day fair value range of $90.01 to $94.64. The stock's valuation (Forward PE: 6.9) is in line with its historical norms (6.6). At these levels, the market is pricing in 1.4% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, ATLC is showing sideways momentum. The price is approaching resistance at $95.00. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock scores a mixed 50/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $130.60 (+39.3%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, ATLC is showing sideways momentum. The price is approaching resistance at $95.00. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock scores a mixed 50/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $130.60 (+39.3%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Historical Trading Range
$90.01 -
$94.64
Company Quality Score
52/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
66.2%
All Signals
- NEUTRAL: Mixed technical signals (50/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 39.3% below Wall St target ($130.60)
- NEUTRAL: Market pricing in 1.4% annual earnings growth - fairly valued
- WARNING: Composite score 52/100 in the bottom quintile â this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$90.01 -
$94.64
Current vs Trading Range
SLIGHTLY HIGH
Support & Resistance Levels
Support Level
$85.90
Resistance Level
$95.00
Current Trend
Sideways
Technical data as of
Oct 9, 2026
Fundamental Context
Forward P/E (Next Year Est.)
6.89
Wall Street Target
$130.60
(+39.3%)
Revenue Growth (YoY)
83.3%
Earnings Growth (YoY)
66.0%
Profit Margin
21.1%
Valuation Premium vs History
+1.4% premium
PE vs Historical
6.9 vs 6.6
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.4%
(market-implied from PE analysis)
1-Year Target
$95.04
(+1%)
2-Year Target
$96.37
(+3%)
3-Year Target
$97.72
(+4%)
3-Yr Target (if PE normalizes)
(PE: 7â7)
PE COMPRESSION
$93.57
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 38.7%)
$720.23
(+668%)
Base:
(SPY PE: 6.9, Growth: 38.7%)
$249.98
(+167%)
Bear:
(PE: 5.9, Growth: 38.7%)
$212.49
(+127%)
đ
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (12x PE), but valuation improves significantly next year (7x PE) as earnings recover.
Trailing PE: 11.92 | Current EPS (TTM): $7.70
Bull Case
$178.22
(+90%)
Analyst growth 76.6%, PE expands to 13.1
Base Case
$162.02
(+73%)
Market implied 76.6%, PE stable at 11.9
Bear Case
$62.39
(-33%)
Severe decline -20.0%, PE contracts to 10.1
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: October 12, 2026 4:11 AM ET
Data refreshes hourly during market hours. Next update: 5:11 AM
Data refreshes hourly during market hours. Next update: 5:11 AM
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Technical Signals Check
Is ATLC showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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