ATLC Stock Analysis: Buy, Sell, or Hold?
ATLC - Atlanticus Holdings Corporation
$96.61
-2.65 (-2.67%)
▼
5d:
+0.81%
30d:
+9.05%
90d:
+52.41%
BUY
MODERATE Confidence
Analysis Updated: Jul 13, 2026 12:00 AM ET
Earnings: Aug 06, 2026
22d
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: ATLC shows positive signals but monitor for confirmation. Market pricing in 4.5% annual growth which appears achievable. Moderate conviction.
💡 BUY OPPORTUNITY: ATLC shows positive signals but monitor for confirmation. Market pricing in 4.5% annual growth which appears achievable. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$166.38
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$103.31
6.5% 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 6.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: ATLC is currently trading at $96.61, which is considered fair relative to its 30-day fair value range of $89.68 to $103.54. From a valuation perspective, the stock is trading at a premium (Forward PE: 7.2) compared to its historical average (6.4). At these levels, the market is pricing in 4.5% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, ATLC is in a strong uptrend. Immediate support is located at $90.59, while resistance sits at $110.00.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $124.40 (+28.8%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, ATLC is in a strong uptrend. Immediate support is located at $90.59, while resistance sits at $110.00.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $124.40 (+28.8%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$89.68 -
$103.54
Company Quality Score
52/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
73.3%
All Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Mixed technical signals (55/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 28.8% below Wall St target ($124.40)
- NEUTRAL: Market pricing in 4.5% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$89.68 -
$103.54
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$90.59
Resistance Level
$110.00
Current Trend
Strong Uptrend
Technical data as of
Jul 13, 2026
Fundamental Context
Forward P/E (Next Year Est.)
7.24
Wall Street Target
$124.40
(+28.8%)
Revenue Growth (YoY)
60.8%
Earnings Growth (YoY)
50.2%
Profit Margin
21.4%
Valuation Premium vs History
+4.5% premium
PE vs Historical
7.2 vs 6.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+4.5%
(market-implied from PE analysis)
1-Year Target
$100.96
(+5%)
2-Year Target
$105.50
(+9%)
3-Year Target
$110.25
(+14%)
3-Yr Target (if PE normalizes)
(PE: 7→6)
PE COMPRESSION
$97.50
(+1%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 38.5%)
$772.84
(+700%)
Base:
(SPY PE: 7.2, Growth: 38.5%)
$256.79
(+166%)
Bear:
(PE: 6.2, Growth: 38.5%)
$218.27
(+126%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (15x PE), but valuation improves significantly next year (7x PE) as earnings recover.
Trailing PE: 14.81 | Current EPS (TTM): $6.70
Bull Case
$217.56
(+125%)
Analyst growth 99.3%, PE expands to 16.3
Base Case
$197.78
(+105%)
Market implied 99.3%, PE stable at 14.8
Bear Case
$67.50
(-30%)
Severe decline -20.0%, PE contracts to 12.6
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: July 13, 2026 9:27 PM ET
Data refreshes hourly during market hours. Next update: 10:27 PM
Data refreshes hourly during market hours. Next update: 10:27 PM
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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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