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Atlanticus Holdings Corporation (ATLC)

Financial Services | Credit Services | Atlanta, United States | NasdaqGS
94.75 USD +0.15 (0.159%) ⇧ (Oct. 13, 2026, 4 p.m. EDT)
Short-term:★★⯪☆☆Long-term:★★★★⯪Dividends:☆☆☆☆☆
Hot Take ↕ | Oct. 10, 2026, 9:49 a.m. EDT

The immediate outlook is mixed due to recent volatility and a flat statistical forecast, but the long-term investment case remains exceptionally strong. Fundamentally, the company demonstrates explosive growth with revenue up 83% and earnings up 66%, while maintaining robust profitability margins. The balance sheet is a fortress, evidenced by a massive current ratio of 14.8x and significant cash reserves relative to operations, despite high debt which is manageable given the cash flow. The market has clearly recognized this quality, driving a cumulative return of nearly 1,650% over the last nine years with no recent consecutive years of decline. While the stock trades at a premium valuation (P/E ~12), the forward P/E of 7 suggests analysts expect continued expansion, and the consensus target price implies significant upside potential. However, investors should note there is no dividend income to offset capital appreciation risks.
Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
MSTL ✓0.132134
AutoETS0.135144
AutoARIMA0.136133
AutoTheta0.176127

Forecast horizon: 45 days | Selected: MSTL

Forecast Reliability
Score 33%
H-stat 3.09
Ljung-Box p 0.000
Jarque-Bera p 0.000
Excess Kurtosis 2.49
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 1,437,361,152
Trailing P/E 12.31
Forward P/E 6.97
Beta 1.99
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
dividendYield 0.0
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 0.6330054
Address1 Five Concourse Parkway
Address2 Suite 300
All Time High 114.34
All Time Low 1.15
Ask 120.89
Ask Size 2
Audit Risk 9
Average Analyst Rating 1.2 - Strong Buy
Average Daily Volume10 Day 124,080
Average Daily Volume3 Month 141,820
Average Volume 141,820
Average Volume10Days 124,080
Beta 1.99
Bid 68.53
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 94.75
Current Ratio 14.837
Custom Price Alert Confidence HIGH
Date Short Interest 1,790,726,400
Day High 95.48
Day Low 93.31
Debt To Equity 853.528
Display Name Atlanticus
Dividend Date 1,430,870,400
Dividend Yield 0.0
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 9.873
Enterprise Value 7,212,310,016
Eps Current Year 9.805
Eps Forward 13.5975
Eps Trailing Twelve Months 7.7
Esg Populated 0
Ex Dividend Date 1,262,044,800
Exchange NMS
Exchange Data Delayed By 15
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 94.9818
Fifty Day Average Change -0.23179626
Fifty Day Average Change Percent -0.0024404284
Fifty Two Week Change Percent 63.300537
Fifty Two Week High 114.34
Fifty Two Week High Change -19.589996
Fifty Two Week High Change Percent -0.1713311
Fifty Two Week Low 47.5
Fifty Two Week Low Change 47.25
Fifty Two Week Low Change Percent 0.99473685
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 13.5975
Forward P E 6.9681926
Full Exchange Name NasdaqGS
Full Time Employees 576
Fullday Change 0.15000153
Fullday Change Percent 0.15856399
Fullday Price 94.75
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,790,812,800
Gross Margins 0.72977996
Gross Profits 533,084,000
Has Pre Post Market Data 1
Held Percent Insiders 0.64309996
Held Percent Institutions 0.26972
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 1,437,361,152
Market State PRE
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 1,381,307,810
Number Of Analyst Opinions 5
Open 95.0
Operating Cashflow 936,974,976
Operating Margins 0.29521
Overall Risk 9
Payout Ratio 0.0
Peg Ratio -0.1
Phone 770 828 2000
Previous Close 94.6
Price Eps Current Year 9.663437
Price Hint 2
Price To Book 2.047896
Price To Sales Trailing12 Months 1.9677103
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 0.150002
Regular Market Change Percent 0.158564
Regular Market Day High 95.48
Regular Market Day Low 93.31
Regular Market Day Range 93.31 - 95.48
Regular Market Open 95.0
Regular Market Previous Close 94.6
Regular Market Price 94.75
Regular Market Time 1,791,921,601
Regular Market Volume 113,814
Return On Assets 0.02757
Return On Equity 0.22966999
Revenue Growth 0.833
Revenue Per Share 48.422
Sand P52 Week Change 0.17502642
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 0.033299997
Shares Short 504,691
Shares Short Previous Month Date 1,788,134,400
Shares Short Prior Month 537,599
Short Name Atlanticus Holdings Corporation
Short Percent Of Float 0.2821
Short Ratio 4.22
Source Interval 15
State GA
Symbol ATLC
Target High Price 179.0
Target Low Price 110.0
Target Mean Price 130.6
Target Median Price 120.0
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 7.7
Trailing P E 12.305195
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 78.6255
Two Hundred Day Average Change 16.124496
Two Hundred Day Average Change Percent 0.20507972
Type Disp Equity
Volume 113,814
Website https://www.atlanticus.com
Zip 30,328