ATLC
NEUTRAL
$47.96
Live
Atlanticus Holdings Corporation · NASDAQ
Target $90.4
(+88.5%)
$41.37
52W Range
$78.91
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Mar 14, 2026
Market cap
$726.19M
P/E
8.52
ROE
19.7%
Profit margin
21.9%
Debt/Equity
10.16
Dividend yield
N/A
AI Analysis
AI-powered fundamental assessment
Confidence
78%
ATLC's Piotroski F-Score of 4 indicates a borderline stable financial health, falling short of strong fundamentals. The absence of an Altman Z-Score raises concern about bankruptcy risk, particularly given a dangerously high Debt/Equity ratio of 10.16. Despite strong profitability metrics—21.93% profit margin and 19.72% ROE—the company trades at a forward P/E of just 3.64, suggesting market skepticism or deep value positioning. The stock is significantly undervalued relative to its Graham Number ($71.88) and intrinsic value ($166.09), but this may reflect underlying financial fragility. Analysts remain optimistic with a strong_buy consensus, though insider selling and weak technical momentum temper enthusiasm.
Key Strengths
High profitability with 21.93% profit margin and 26.28% operating margin
Strong revenue growth of 50.10% YoY and 25.00% earnings growth
Significant undervaluation relative to Graham Number ($71.88) and intrinsic value ($166.09)
Consistent earnings beat rate over the last 4 quarters (2 out of 4) with positive average surprise of 3.29%
Attractive forward P/E of 3.64, well below sector average of 30.37
Key Risks
Piotroski F-Score of 4 indicates weak financial health; below threshold for strong stability
Debt/Equity ratio of 10.16 is extremely high and unsustainable for a financial services firm
No Altman Z-Score available; absence of distress risk model raises red flags for bankruptcy risk
Insider selling activity (1 transaction, $0.10M) with no buys in last 6 months signals bearish sentiment
Technical trend is 0/100 (bearish), with 6-month return of -33.5% and 1-month drop of -13.0%
AI Fair Value Estimate
Based on comprehensive analysis
$166.09
+246.3% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
53
Moderate
85
78
62
40
0
AI Verdict
neutral
Key drivers: High growth and profitability metrics, Extremely low forward P/E and undervaluation, High financial leverage and weak Piotroski score, Absence of Altman Z-Score and insider selling
Confidence
78%
Value
85/100
Ref P/E, PEG, Graham Number
Positives
- Current price ($47.96) is 32% below Graham Number ($71.88)
- Intrinsic value estimate ($166.09) implies significant upside potential
- Forward P/E of 3.64 is deeply undervalued vs. sector average of 30.37
Watchpoints
- High growth expectations may be priced in, limiting margin of safety
- Undervaluation may reflect legitimate risk, not opportunity
Future
78/100
Ref Growth rates
Positives
- 50.10% YoY revenue growth and 25.00% earnings growth indicate strong momentum
- Recent Q/Q EPS growth of 44.6% suggests accelerating performance
- Analyst target price of $90.40 implies 90% upside from current levels
Watchpoints
- No PEG ratio available, limiting growth-adjusted valuation analysis
- High leverage could constrain future investment and growth
Past
62/100
Ref Historical trends
Positives
- 25 consecutive quarters of earnings data show consistent reporting
- Multiple quarters with positive earnings surprises (e.g., +22.4%, +24.4%)
Watchpoints
- Significant misses in 2025-11-10 (-24.1%) and 2023-03-14 (-35.5%) indicate volatility
- Historical losses in 2010–2011 suggest cyclical or structural challenges
Health
40/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- High ROE (19.72%) and strong operating margin (26.28%)
- Current and quick ratios (5.95 and 5.79) suggest strong liquidity
Watchpoints
- Piotroski F-Score of 4 is below threshold for strong health (7-9)
- Debt/Equity of 10.16 is dangerously high for a financial services firm
- No Altman Z-Score available; inability to assess bankruptcy risk is a major red flag
Dividend
0/100
Ref Yield, Payout
Positives
No standout positives identified.
Watchpoints
- No dividend yield or payout ratio (0.00%)
- Dividend strength score of 0/100 indicates no income component
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$47.96
Analyst Target
$90.4
Upside/Downside
+88.5%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for ATLC and closest competitors.
Updated 2026-03-13
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
ATLC
Atlanticus Holdings Corporation
Primary
|
+56.2% | +84.3% | +9.7% | -33.5% | -13.0% | -12.5% |
|
BTO
John Hancock Financial Opportunities Fund
Peer
|
+64.7% | +35.4% | +7.9% | +6.5% | +3.0% | +2.1% |
|
ASGI
Abrdn Global Infrastructure Income Fund
Peer
|
+81.9% | +71.2% | +44.0% | +13.2% | +0.7% | +4.0% |
|
IBCP
Independent Bank Corporation
Peer
|
+71.8% | +127.0% | +24.4% | +15.9% | +4.9% | +3.1% |
|
SPFI
South Plains Financial, Inc.
Peer
|
+109.2% | +121.3% | +29.4% | +17.4% | +4.8% | -1.7% |
ATL
Atlanticus Holdings Corporation
Primary
5Y
+56.2%
3Y
+84.3%
1Y
+9.7%
6M
-33.5%
1M
-13.0%
1W
-12.5%
BTO
John Hancock Financial Opportunities Fund
Peer
5Y
+64.7%
3Y
+35.4%
1Y
+7.9%
6M
+6.5%
1M
+3.0%
1W
+2.1%
ASG
Abrdn Global Infrastructure Income Fund
Peer
5Y
+81.9%
3Y
+71.2%
1Y
+44.0%
6M
+13.2%
1M
+0.7%
1W
+4.0%
IBC
Independent Bank Corporation
Peer
5Y
+71.8%
3Y
+127.0%
1Y
+24.4%
6M
+15.9%
1M
+4.9%
1W
+3.1%
SPF
South Plains Financial, Inc.
Peer
5Y
+109.2%
3Y
+121.3%
1Y
+29.4%
6M
+17.4%
1M
+4.8%
1W
-1.7%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
8.52
Forward P/E
3.64
PEG Ratio
N/A
P/B Ratio
1.18
P/S Ratio
1.3
EV/Revenue
11.97
EV/EBITDA
N/A
Market Cap
$726.19M
Profitability
Profit margins and return metrics
Profit Margin
21.93%
Operating Margin
26.28%
Gross Margin
71.13%
ROE
19.72%
ROA
2.21%
Growth
Revenue and earnings growth rates
Revenue Growth
+50.1%
Earnings Growth
+25.0%
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
+12.2%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
10.16
High debt
Current Ratio
5.95
Strong
Quick Ratio
5.79
Excellent
Cash/Share
$41.63
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q3 2025
Revenue
$0.1B
Net Margin
24.2%
Total Assets
$7.1B
Liabilities
$6.5B
Equity
$0.6B
Debt/Equity
11.02x
Operating CF
$0.1B
CapEx
$-0.0B
Free Cash Flow
$0.1B
FCF Yield
100%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-05-07
$N/A
2026-03-12
$1.75
+11.6% surprise
2025-11-10
$1.21
-24.1% surprise
2025-08-07
$1.51
+22.4% surprise
Financial Services Sector Comparison
Comparing ATLC against 820 companies in the Financial Services sector
(141 bullish, 351 neutral, 328 bearish)
P/E Ratio
8.52
This Stock
vs
36.01
Sector Avg
-76.3%
(Discount)
Return on Equity (ROE)
19.72%
This Stock
vs
-0.73%
Sector Avg
-2791.2%
(Below Avg)
Profit Margin
21.93%
This Stock
vs
91.62%
Sector Avg
-76.1%
(Weaker)
Debt to Equity
10.16
This Stock
vs
1.36
Sector Avg
+647.9%
(Higher)
Revenue Growth
50.1%
This Stock
vs
35.27%
Sector Avg
+42.1%
(Fast Growth)
Current Ratio
5.95
This Stock
vs
3.18
Sector Avg
+87.2%
(Stronger)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
ATLC
Atlanticus Holdings Corporation
|
NEUTRAL | $726.19M | 8.52 | 19.7% | 21.9% | $47.96 | |
|
BTO
John Hancock Financial...
|
NEUTRAL | $731.42M | 4.7 | 25.5% | 593.6% | $36.94 | Compare |
|
ASGI
Abrdn Global...
|
BEARISH | $714.98M | 8.13 | -% | -% | $22.61 | Compare |
|
IBCP
Independent Bank Corporation
|
NEUTRAL | $713.71M | 10.6 | 14.3% | 31.2% | $34.67 | Compare |
|
SPFI
South Plains Financial, Inc.
|
NEUTRAL | $706.63M | 12.57 | 12.5% | 28.3% | $43.24 | Compare |
ATLC
Atlanticus...
NEUTRAL
Mkt Cap
$726M
P/E
8.5
ROE
19.7%
Price
$47.96
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-01-13 | HUDSON DEAL W | Director | Sale | 1,675 | $100,031 |
| 2026-01-02 | MATTINGLY MACK F | Director | Stock Award | 1,050 | - |
| 2026-01-02 | HUDSON DEAL W | Director | Stock Award | 1,050 | - |
| 2026-01-02 | JONES JOANN G. | Director | Stock Award | 1,050 | - |
| 2026-01-02 | HARROD DENISE M | Director | Stock Award | 1,050 | - |
| 2026-01-02 | JAMES DENNIS H JR | Director | Stock Award | 1,050 | - |
| 2025-12-11 | HANNA DAVID G | Officer, Director and Beneficial Owner | Gift | 10,000 | - |
| 2025-11-11 | MCCAMEY WILLIAM R | Chief Financial Officer | Option Exercise | 1,000 | $15,300 |
| 2025-11-10 | SAUNDERS MITCHELL | Officer | Option Exercise | 1,000 | $15,300 |
| 2025-11-07 | HOWARD JEFFREY A | Chief Executive Officer | Option Exercise | 1,000 | $15,300 |
| 2025-10-23 | HANNA DAVID G | Officer, Director and Beneficial Owner | Option Exercise | 1,000 | $15,300 |
HUDSON DEAL W
Director
2026-01-13
1,675 shares
·
$100,031
MATTINGLY MACK F
Director
2026-01-02
1,050 shares
HUDSON DEAL W
Director
2026-01-02
1,050 shares
JONES JOANN G.
Director
2026-01-02
1,050 shares
HARROD DENISE M
Director
2026-01-02
1,050 shares
JAMES DENNIS H JR
Director
2026-01-02
1,050 shares
HANNA DAVID G
Officer, Director and Beneficial Owner
2025-12-11
10,000 shares
MCCAMEY WILLIAM R
Chief Financial Officer
2025-11-11
1,000 shares
·
$15,300
SAUNDERS MITCHELL
Officer
2025-11-10
1,000 shares
·
$15,300
HOWARD JEFFREY A
Chief Executive Officer
2025-11-07
1,000 shares
·
$15,300
HANNA DAVID G
Officer, Director and Beneficial Owner
2025-10-23
1,000 shares
·
$15,300
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
STRONG_BUY
5 analysts
Citizens
2025-12-11
Market Outperform
Market Outperform
BTIG
2025-10-27
Buy
Buy
JMP Securities
2025-09-18
Market Outperform
Market Outperform
Past News Coverage
Recent headlines mentioning ATLC from our newsroom.
Newest → oldest
No matching news yet.