Atlanticus (ATLC) Stock: Buy, Sell, or Hold?
ATLC - Atlanticus Holdings Corporation
$92.29
1.67 (1.84%)
▲
5d:
+1.34%
30d:
+0.26%
90d:
-3.48%
BUY
MODERATE Confidence
Analysis Updated: Oct 21, 2026 12:00 AM ET
Earnings: Nov 09, 2026
17d
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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 0.9% annual growth which appears achievable. Moderate conviction.
💡 BUY OPPORTUNITY: ATLC shows positive signals but monitor for confirmation. Market pricing in 0.9% 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
$174.76
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$108.51
15.0% 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 $92.29, which is considered fair relative to its 30-day fair value range of $89.85 to $94.14. The stock's valuation (Forward PE: 6.8) is in line with its historical norms (6.6). At these levels, the market is pricing in 0.9% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, ATLC is showing sideways momentum. Immediate support is located at $89.31, while resistance sits at $95.68.
Market Sentiment: ATLC scores 61/100 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 (+41.5%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, ATLC is showing sideways momentum. Immediate support is located at $89.31, while resistance sits at $95.68.
Market Sentiment: ATLC scores 61/100 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 (+41.5%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$89.85 -
$94.14
Company Quality Score
60/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
84.3%
All Signals
- NEUTRAL: Price in fair range
- BULLISH: Strong technical setup (61/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 41.5% below Wall St target ($130.60)
- NEUTRAL: Market pricing in 0.9% annual earnings growth - fairly valued
- BULLISH: Bottoming setup score 61/100 — corrected, stabilizing, and turning up
Trading Range Analysis
30-Day Trading Range
$89.85 -
$94.14
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$89.31
Resistance Level
$95.68
Current Trend
Sideways
Technical data as of
Oct 21, 2026
Fundamental Context
Forward P/E (Next Year Est.)
6.79
Wall Street Target
$130.60
(+41.5%)
Revenue Growth (YoY)
83.3%
Earnings Growth (YoY)
66.0%
Profit Margin
21.1%
Valuation Premium vs History
+0.9% premium
PE vs Historical
6.8 vs 6.6
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+0.9%
(market-implied from PE analysis)
1-Year Target
$93.12
(+1%)
2-Year Target
$93.96
(+2%)
3-Year Target
$94.80
(+3%)
3-Yr Target (if PE normalizes)
(PE: 7→7)
PE COMPRESSION
$92.19
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 38.7%)
$720.23
(+680%)
Base:
(SPY PE: 6.8, Growth: 38.7%)
$246.14
(+167%)
Bear:
(PE: 5.8, Growth: 38.7%)
$209.22
(+127%)
📈
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: 11.77 | Current EPS (TTM): $7.70
Bull Case
$176.03
(+91%)
Analyst growth 76.6%, PE expands to 13.0
Base Case
$160.03
(+73%)
Market implied 76.6%, PE stable at 11.8
Bear Case
$61.62
(-33%)
Severe decline -20.0%, PE contracts to 10.0
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: October 22, 2026 8:47 AM ET
Data refreshes hourly during market hours. Next update: 9:47 AM
Data refreshes hourly during market hours. Next update: 9:47 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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