ATLC
Atlanticus Holdings Corporation
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Atlanticus (ATLC) Stock: Buy, Sell, or Hold?
$79.69
-1.43 (-1.76%)
▼
5d:
-13.84%
30d:
-15.76%
90d:
-18.16%
QUANTITATIVE VERDICT
WAIT
LOW Confidence (80%)
Quality Score
44/100
Position
OVERSOLD
30-Day Fair Range
$87.43 – $95.97
Position: OVERSOLD
Forward P/E & Valuation
6.0x
FAIR
vs 6.6x historical avg
Wall Street Target
$124.80
+56.6% upside
Options IV & Volume
HIGH Vol
HIGH volume confirmation
Support / Resistance
$78.58 / $101.62
Trend: Downtrend
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
⏸️ WAIT FOR STABILIZATION: ATLC is down 13.8% over the last 5 days. While fundamentals may be solid, catching a falling knife is risky. Wait for price to stabilize before entering.
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Interactive Price Chart (1 Month)
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Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$152.15
Based on 11.9% avg growth
INTRINSIC VALUE TODAY
$94.47
15.6% 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 $79.69, which is considered oversold relative to its 30-day fair value range of $87.43 to $95.97. The stock's valuation (Forward PE: 6.0) is in line with its historical norms (6.6). Remarkably, the market is currently pricing in an annual earnings decline of 3.2% over the next few years. This pessimistic expectation contrasts with the company's recent 335.7% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, ATLC is in a downtrend. The price is currently testing key support at $78.58. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 40/100 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 $124.80 (+56.6%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, ATLC is in a downtrend. The price is currently testing key support at $78.58. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 40/100 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 $124.80 (+56.6%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$87.43 -
$95.97
Company Quality Score
44/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
79.5%
Trading Range & Key Levels
30-Day Trading Range
$87.43 -
$95.97
Current vs Trading Range
OVERSOLD
Support Level
$78.58
Resistance Level
$101.62
Current Trend
Downtrend
Technical data as of
Nov 10, 2026
Quantitative Signal Breakdown
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 56.6% below Wall St target ($124.80)
- WARNING: Composite score 44/100 in the bottom quintile — this cohort historically lags the market
Fundamental Context
Forward P/E (Next Year Est.)
6.01
Wall Street Target
$124.80
(+56.6%)
Revenue Growth (YoY)
80.1%
Earnings Growth (YoY)
335.7%
Profit Margin
26.9%
Valuation Discount vs History
-3.2% cheaper
PE vs Historical
6.0 vs 6.6
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-3.2%
(market-implied from PE analysis)
1-Year Target
$77.14
(-3%)
2-Year Target
$74.67
(-6%)
3-Year Target
$72.28
(-9%)
3-Yr Target (if PE normalizes)
(PE: 6→7)
$79.32
(-1%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 19.7%)
$451.84
(+467%)
Base:
(SPY PE: 6.0, Growth: 19.7%)
$136.84
(+72%)
Bear:
(PE: 5.1, Growth: 19.7%)
$116.31
(+46%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (8x PE), but valuation improves significantly next year (6x PE) as earnings recover.
Trailing PE: 7.91 | Current EPS (TTM): $10.25
Bull Case
$115.35
(+45%)
Analyst growth 29.3%, PE expands to 8.7
Base Case
$104.86
(+32%)
Market implied 29.3%, PE stable at 7.9
Bear Case
$55.16
(-31%)
Severe decline -20.0%, PE contracts to 6.7
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 6.0 to 6.6
Stabilization Target:
$87.45
(+9.7%)
PE Expansion Potential:
+9.7%
Share ATLC Analysis
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bloggers & journalists: you are free to use our charts with attribution.Reddit & Retail Trader Sentiment (ATLC)
Neutral
1 Retail Mentions
StockTwits Volume
1 msgs
24h retail stream
Last Tracked
Jun 5, 2026
Daily AI digest
AI Retail Discussion Summary:
Atlanticus Holdings (ATLC) reported Q1 revenues of $556.8M, up 87.2% YoY but missed analysts' estimates. The stock saw bullish sentiment on StockTwits with one user predicting a $100 price tag.
Key Retail Themes:
Atlanticus Holdings' Q1 earnings report
Performance of personal loan stocks
Aggregated from r/wallstreetbets, r/stocks & StockTwits streams.
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Last updated: November 11, 2026 9:28 AM ET
Data refreshes hourly during market hours. Next update: 10:28 AM
Data refreshes hourly during market hours. Next update: 10:28 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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