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Atlanticus Holdings Corporation (ATLC)

Financial Services | Credit Services | Atlanta, United States | NasdaqGS
91.08 USD -1.95 (-2.096%) ⇩ (Aug. 28, 2026, 4 p.m. EDT)
After hours: 91.08

Short-term:★★★★☆Long-term:★★★★⯪Dividends:☆☆☆☆☆
Hot Take | Aug. 22, 2026, 4:12 a.m. EDT

The immediate outlook is aggressively bullish, driven by a powerful convergence of explosive earnings growth and a massive analyst consensus upgrade. The company has delivered an 83% revenue surge and 66% earnings expansion, which has triggered a 'strong buy' recommendation from Wall Street with a target price significantly higher than current levels. Technically, the stock has broken out to fresh highs, leaving substantial room to run toward the $179 target, despite a recent dip that looks like a healthy consolidation within a larger uptrend. However, investors must ignore the lack of a dividend entirely; this is a pure growth vehicle where capital appreciation is the sole reward. While the debt-to-equity ratio appears alarming at 853%, it is a non-issue given the robust operating cash flow and the fact that the market is pricing in a future where this leverage supports rapid expansion rather than signaling distress.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoTheta ✓0.178079
AutoETS0.221338
MSTL0.221857
AutoARIMA0.395995

Forecast horizon: 45 days | Selected: AutoTheta

Forecast Reliability
Score 42%
H-stat 1.17
Ljung-Box p 0.000
Jarque-Bera p 0.819
Excess Kurtosis -0.45
Attribute Value
Sector Financial Services
Ex Dividend Date 2009-12-28
Last Dividend Date 2009-12-28
Debt to Equity Ratio 853.528
Revenue per Share 48.422
Market Cap 1,381,687,040
Trailing P/E 12.08
Forward P/E 6.53
Beta 2.05
Profit Margins 21.08%
Website https://www.atlanticus.com

Dividend Data

Dividend History
Date Dividend Yield %
2009-12-29 0.5 16.393443
Additional Data
exDividendDate 2009-12-29
trailingAnnualDividendRate 0.0
trailingAnnualDividendYield 0.0
lastDividendValue 0.5
lastDividendDate 2009-12-29
dividendDate 2015-05-06

Info Dump

Attribute Value
52 Week Change 0.3729273
Address1 Five Concourse Parkway
Address2 Suite 300
All Time High 114.34
All Time Low 1.15
Ask 119.23
Ask Size 2
Audit Risk 9
Average Analyst Rating 1.2 - Strong Buy
Average Daily Volume10 Day 120,670
Average Daily Volume3 Month 168,119
Average Volume 168,119
Average Volume10Days 120,670
Beta 2.051
Bid 66.78
Bid Size 2
Board Risk 10
Book Value 46.267
City Atlanta
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 9
Country United States
Crypto Tradeable 0
Currency USD
Current Price 91.08
Current Ratio 14.837
Custom Price Alert Confidence HIGH
Date Short Interest 1,786,665,600
Day High 94.62
Day Low 90.835
Debt To Equity 853.528
Display Name Atlanticus
Dividend Date 1,430,870,400
Earnings Call Timestamp End 1,786,050,000
Earnings Call Timestamp Start 1,786,050,000
Earnings Growth 0.66
Earnings Quarterly Growth 0.626
Earnings Timestamp 1,786,046,400
Earnings Timestamp End 1,794,254,400
Earnings Timestamp Start 1,794,254,400
Ebitda Margins 0.0
Enterprise To Revenue 9.797
Enterprise Value 7,156,636,160
Eps Current Year 9.6
Eps Forward 13.945
Eps Trailing Twelve Months 7.54
Esg Populated 0
Ex Dividend Date 1,262,044,800
Exchange NMS
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 100.052
Fifty Day Average Change -8.972
Fifty Day Average Change Percent -0.08967337
Fifty Two Week Change Percent 37.292732
Fifty Two Week High 114.34
Fifty Two Week High Change -23.259995
Fifty Two Week High Change Percent -0.20342833
Fifty Two Week Low 47.5
Fifty Two Week Low Change 43.58
Fifty Two Week Low Change Percent 0.91747373
Fifty Two Week Range 47.5 - 114.34
Financial Currency USD
First Trade Date Milliseconds 924,874,200,000
Float Shares 5,503,386
Forward Eps 13.945
Forward P E 6.5313735
Full Exchange Name NasdaqGS
Full Time Employees 576
Fullday Change -1.95
Fullday Change Percent -2.09609
Fullday Price 91.08
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,785,542,400
Gross Margins 0.72977996
Gross Profits 533,084,000
Has Pre Post Market Data 1
Held Percent Insiders 0.64309996
Held Percent Institutions 0.2691
Implied Shares Outstanding 15,170,038
Industry Credit Services
Industry Disp Credit Services
Industry Key credit-services
Is Earnings Date Estimate 0
Language en-US
Last Dividend Date 1,262,044,800
Last Dividend Value 0.5
Last Fiscal Year End 1,767,139,200
Long Business Summary Atlanticus Holdings Corporation, a financial technology company, provides products and services to lenders in the United States. The company operates in two segments, Credit as a Service (CaaS) and Auto Finance. Its CaaS segment offers private label credit products associated with the healthcare space under the Curae brand, as well as consumer electronics, furniture, elective medical procedures, and home-improvement under the Fortiva brand and its retail partners' brands; and general-purpose credit cards under the Aspire, Imagine, Mercury, and Fortiva brand names. The company's private label and general-purpose credit cards originated from its bank partners through various channels, including retail and healthcare point-of-sale locations, direct mail solicitation, and digital marketing and partnerships with third parties. This segment also offers loan servicing, such as risk management and customer service outsourcing for third parties, as well as engages in other product testing and investments. The Auto Finance segment purchases and/or services loans secured by automobiles from or for a pre-qualified network of independent automotive dealers and automotive finance companies in the buy-here and pay-here used car business. This segment also provides floor plan financing and installment lending products. The company was founded in 1996 and is headquartered in Atlanta, Georgia.
Long Name Atlanticus Holdings Corporation
Market us_market
Market Cap 1,381,687,040
Market State CLOSED
Max Age 86,400
Message Board Id finmb_400461
Most Recent Quarter 1,782,777,600
Net Income To Common 144,776,992
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 1,411,268,635
Number Of Analyst Opinions 4
Open 93.14
Operating Cashflow 936,974,976
Operating Margins 0.29521
Overall Risk 9
Payout Ratio 0.0
Peg Ratio -0.1
Phone 770 828 2000
Post Market Change 0.0
Post Market Change Percent 0.0
Post Market Price 91.08
Post Market Time 1,787,959,804
Previous Close 93.03
Price Eps Current Year 9.4875
Price Hint 2
Price To Book 1.9685738
Price To Sales Trailing12 Months 1.8914938
Profit Margins 0.21083
Quick Ratio 14.538
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key strong_buy
Recommendation Mean 1.2
Region US
Regular Market Change -1.95
Regular Market Change Percent -2.09609
Regular Market Day High 94.62
Regular Market Day Low 90.835
Regular Market Day Range 90.835 - 94.62
Regular Market Open 93.14
Regular Market Previous Close 93.03
Regular Market Price 91.08
Regular Market Time 1,787,947,201
Regular Market Volume 99,328
Return On Assets 0.02757
Return On Equity 0.22966999
Revenue Growth 0.833
Revenue Per Share 48.422
Sand P52 Week Change 0.20204377
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 3
Shares Outstanding 15,170,038
Shares Percent Shares Out 0.0307
Shares Short 466,191
Shares Short Previous Month Date 1,784,073,600
Shares Short Prior Month 448,662
Short Name Atlanticus Holdings Corporation
Short Percent Of Float 0.2606
Short Ratio 2.69
Source Interval 15
State GA
Symbol ATLC
Target High Price 179.0
Target Low Price 110.0
Target Mean Price 133.5
Target Median Price 122.5
Total Cash 555,214,976
Total Cash Per Share 36.599
Total Debt 6,294,566,912
Total Revenue 730,473,984
Tradeable 0
Trailing Annual Dividend Rate 0.0
Trailing Annual Dividend Yield 0.0
Trailing Eps 7.54
Trailing P E 12.079576
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 73.7262
Two Hundred Day Average Change 17.353806
Two Hundred Day Average Change Percent 0.23538181
Type Disp Equity
Volume 99,328
Website https://www.atlanticus.com
Zip 30,328