Atlanticus (ATLC) Stock: Buy, Sell, or Hold?
ATLC - Atlanticus Holdings Corporation
$89.29
1.76 (2.01%)
▲
5d:
-2.3%
30d:
+0.06%
90d:
-7.38%
HOLD
MODERATE Confidence
Analysis Updated: Oct 1, 2026 12:00 AM ET
Earnings: Nov 09, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: ATLC is fairly valued with market pricing in 0.5% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: ATLC is fairly valued with market pricing in 0.5% 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
$171.58
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$106.54
16.2% 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 $89.29, which is considered oversold relative to its 30-day fair value range of $89.84 to $94.60. The stock's valuation (Forward PE: 6.7) is in line with its historical norms (6.6). At these levels, the market is pricing in 0.5% 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 uptrend. Immediate support is located at $85.90, while resistance sits at $94.62.
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 $130.60 (+46.3%). 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 uptrend. Immediate support is located at $85.90, while resistance sits at $94.62.
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 $130.60 (+46.3%). 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
OVERSOLD
Historical Trading Range
$89.84 -
$94.60
Company Quality Score
53/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
80.5%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 46.3% below Wall St target ($130.60)
- NEUTRAL: Market pricing in 0.5% annual earnings growth - fairly valued
- NEUTRAL: Bottoming setup forming (40/100) — watch for confirmation
Trading Range Analysis
30-Day Trading Range
$89.84 -
$94.60
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$85.90
Resistance Level
$94.62
Current Trend
Uptrend
Technical data as of
Oct 1, 2026
Fundamental Context
Forward P/E (Next Year Est.)
6.69
Wall Street Target
$130.60
(+46.3%)
Revenue Growth (YoY)
83.3%
Earnings Growth (YoY)
66.0%
Profit Margin
21.1%
Valuation Premium vs History
+0.5% premium
PE vs Historical
6.7 vs 6.6
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+0.5%
(market-implied from PE analysis)
1-Year Target
$89.74
(+1%)
2-Year Target
$90.19
(+1%)
3-Year Target
$90.64
(+2%)
3-Yr Target (if PE normalizes)
(PE: 7→7)
PE COMPRESSION
$89.44
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.4, Growth: 38.6%)
$725.00
(+712%)
Base:
(SPY PE: 6.7, Growth: 38.6%)
$237.70
(+166%)
Bear:
(PE: 5.7, Growth: 38.6%)
$202.05
(+126%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (11x PE), but valuation improves significantly next year (7x PE) as earnings recover.
Trailing PE: 11.37 | Current EPS (TTM): $7.70
Bull Case
$166.93
(+87%)
Analyst growth 73.4%, PE expands to 12.5
Base Case
$151.76
(+70%)
Market implied 73.4%, PE stable at 11.4
Bear Case
$59.52
(-33%)
Severe decline -20.0%, PE contracts to 9.7
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: October 02, 2026 6:05 AM ET
Data refreshes hourly during market hours. Next update: 7:05 AM
Data refreshes hourly during market hours. Next update: 7:05 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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