ATLC Atlanticus Holdings Corporation - Fundamental Analysis
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ATLC Stock | Fundamental Analysis & Investment Insights
NASDAQ
Financial Services
Credit Services
Current Price
Live
$57.01
Analyst Target
$86.67
+52.0%
Upside
52W High
$78.91
52W Low
$41.37
At a glance
Key valuation, profitability, growth, and risk metrics.
AI Analysis
Powered by advanced machine learning algorithms
Confidence Score
68%
Analysis Accuracy
ATLC has a weak Piotroski F-Score of 4/9, indicating borderline financial health, and lacks an Altman Z-Score, limiting distress risk assessment. Despite strong revenue growth and profitability metrics like a 23.75% profit margin and 19.59% ROE, the stock faces headwinds from declining earnings, insider selling, and a high debt/equity ratio of 9.70. Valuation appears attractive relative to peers with a P/E of 10.80 vs. sector average of 21.99, but negative earnings growth and weak recent earnings surprises temper enthusiasm. The stock trades below the analyst target of $86.67 yet above the Graham Number of $68.03, suggesting upside potential but with significant execution and leverage risks.
Key Strengths
Strong revenue growth (YoY +41.3%) outpaces sector average (24.32%)
High profitability with 23.75% net margin and 28.21% operating margin
Exceptional ROE of 19.59%, above sector average of 17.66%
Low P/E ratio of 10.80 compared to sector average of 21.99, indicating potential undervaluation
Current ratio of 15.67 suggests strong short-term liquidity
Key Risks
Piotroski F-Score of 4/9 indicates weak financial health and poor operational momentum
Debt/Equity ratio of 9.70 is extremely high vs. sector average of 1.03, signaling severe leverage risk
Earnings declining YoY (-4.4%) and QoQ (-15.5%), with most recent EPS growth at -19.9%
Insider selling activity: $0.22M in sales, no buys in last 6 months
Earnings miss trend: 1 beat in last 4 quarters, with volatile and declining surprise performance
AI Fair Value Estimate
Based on comprehensive analysis
$72.5
+27.2% above current price
Performance Snowflake
Multi-dimensional AI analysis across 5 key categories
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Historical Performance Trends
Long-term financial metrics and growth patterns
Valuation Metrics
Key valuation ratios and pricing indicators
Profitability, Growth & Financial Health
Detailed profit margins, ROE, debt ratios, and liquidity metrics
Sector Comparison & Peer Analysis
Compare ATLC against industry averages and similar companies
Insider Trading & Analyst Ratings
Track insider transactions and Wall Street analyst recommendations
Past News Coverage
Recent headlines mentioning ATLC from our newsroom.
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