ATLC Stock Analysis: Buy, Sell, or Hold?
ATLC - Atlanticus Holdings Corporation
$96.09
2.43 (2.59%)
▲
5d:
-6.33%
30d:
+0.49%
90d:
+17.74%
HOLD
MODERATE Confidence
Analysis Updated: Aug 21, 2026 12:00 AM ET
Earnings: Aug 06, 2026
0d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: ATLC is fairly valued with market pricing in 3.1% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: ATLC is fairly valued with market pricing in 3.1% annual growth. Fine to hold or accumulate slowly on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$169.53
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$105.26
8.7% 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 6.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: ATLC is currently trading at $96.09, which is considered slightly low relative to its 30-day fair value range of $95.78 to $106.15. From a valuation perspective, the stock is trading at a premium (Forward PE: 7.2) compared to its historical average (6.5). At these levels, the market is pricing in 3.1% 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 $90.32, while resistance sits at $103.11.
Market Sentiment: The stock scores a mixed 45/100 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 $133.50 (+38.9%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, ATLC is in a strong uptrend. Immediate support is located at $90.32, while resistance sits at $103.11.
Market Sentiment: The stock scores a mixed 45/100 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 $133.50 (+38.9%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
SLIGHTLY LOW
Historical Trading Range
$95.78 -
$106.15
Company Quality Score
55/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
80.5%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (45/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 38.9% below Wall St target ($133.50)
- NEUTRAL: Market pricing in 3.1% annual earnings growth - fairly valued
- NEUTRAL: Bottoming setup forming (45/100) — watch for confirmation
- CAUTION: 5-day price weakness (-6.3%) - monitor closely
Trading Range Analysis
30-Day Trading Range
$95.78 -
$106.15
Current vs Trading Range
SLIGHTLY LOW
Support & Resistance Levels
Support Level
$90.32
Resistance Level
$103.11
Current Trend
Strong Uptrend
Technical data as of
Aug 21, 2026
Fundamental Context
Forward P/E (Next Year Est.)
7.17
Wall Street Target
$133.50
(+38.9%)
Revenue Growth (YoY)
83.3%
Earnings Growth (YoY)
66.0%
Profit Margin
21.1%
Valuation Premium vs History
+3.1% premium
PE vs Historical
7.2 vs 6.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+3.1%
(market-implied from PE analysis)
1-Year Target
$99.07
(+3%)
2-Year Target
$102.14
(+6%)
3-Year Target
$105.31
(+10%)
3-Yr Target (if PE normalizes)
(PE: 7→7)
PE COMPRESSION
$95.41
(-1%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.1, Growth: 39.5%)
$729.93
(+660%)
Base:
(SPY PE: 7.2, Growth: 39.5%)
$260.93
(+172%)
Bear:
(PE: 6.1, Growth: 39.5%)
$221.79
(+131%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (13x PE), but valuation improves significantly next year (7x PE) as earnings recover.
Trailing PE: 12.83 | Current EPS (TTM): $7.30
Bull Case
$189.02
(+97%)
Analyst growth 83.5%, PE expands to 14.1
Base Case
$171.84
(+79%)
Market implied 83.5%, PE stable at 12.8
Bear Case
$63.69
(-34%)
Severe decline -20.0%, PE contracts to 10.9
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 23, 2026 1:56 AM ET
Data refreshes hourly during market hours. Next update: 2:56 AM
Data refreshes hourly during market hours. Next update: 2:56 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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