Atlanticus (ATLC) Stock: Buy, Sell, or Hold?
ATLC - Atlanticus Holdings Corporation
$94.46
1.10 (1.18%)
▲
5d:
-2.33%
30d:
-2.99%
90d:
+3.6%
BUY
HIGH Confidence
Analysis Updated: Sep 11, 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:
✅ BUY SIGNAL: ATLC shows strong fundamentals and good volume confirmation. Solid entry point despite fair pricing.
✅ BUY SIGNAL: ATLC shows strong fundamentals and good volume confirmation. Solid entry point despite fair pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$171.58
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$106.54
11.3% 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 $94.46, which is considered fair relative to its 30-day fair value range of $91.00 to $102.57. The stock's valuation (Forward PE: 7.1) is in line with its historical norms (6.6). At these levels, the market is pricing in 2.5% 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 $87.32, while resistance sits at $97.87.
Market Sentiment: ATLC scores 78/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $130.60 (+38.3%). 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 $87.32, while resistance sits at $97.87.
Market Sentiment: ATLC scores 78/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $130.60 (+38.3%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$91.00 -
$102.57
Company Quality Score
71/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
84.3%
All Signals
- NEUTRAL: Price in fair range
- BULLISH: Strong technical setup (78/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 38.3% below Wall St target ($130.60)
- NEUTRAL: Market pricing in 2.5% annual earnings growth - fairly valued
- BULLISH: Bottoming setup score 78/100 — corrected, stabilizing, and turning up
Trading Range Analysis
30-Day Trading Range
$91.00 -
$102.57
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$87.32
Resistance Level
$97.87
Current Trend
Strong Uptrend
Technical data as of
Sep 11, 2026
Fundamental Context
Forward P/E (Next Year Est.)
7.08
Wall Street Target
$130.60
(+38.3%)
Revenue Growth (YoY)
83.3%
Earnings Growth (YoY)
66.0%
Profit Margin
21.1%
Valuation Premium vs History
+2.5% premium
PE vs Historical
7.1 vs 6.6
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+2.5%
(market-implied from PE analysis)
1-Year Target
$96.82
(+3%)
2-Year Target
$99.24
(+5%)
3-Year Target
$101.72
(+8%)
3-Yr Target (if PE normalizes)
(PE: 7→7)
PE COMPRESSION
$94.88
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.2, Growth: 38.6%)
$716.83
(+659%)
Base:
(SPY PE: 7.1, Growth: 38.6%)
$251.46
(+166%)
Bear:
(PE: 6.0, Growth: 38.6%)
$213.74
(+126%)
📈
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: 12.03 | Current EPS (TTM): $7.76
Bull Case
$176.67
(+87%)
Analyst growth 72.0%, PE expands to 13.2
Base Case
$160.61
(+70%)
Market implied 72.0%, PE stable at 12.0
Bear Case
$63.48
(-33%)
Severe decline -20.0%, PE contracts to 10.2
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: September 12, 2026 3:08 AM ET
Data refreshes hourly during market hours. Next update: 4:08 AM
Data refreshes hourly during market hours. Next update: 4:08 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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