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Atlanticus Holdings Corporation (ATLC)

Financial Services | Credit Services | Atlanta, United States | NasdaqGS
96.61 USD -2.65 (-2.670%) ⇩ (July 13, 2026, 4 p.m. EDT)

Short-term:★★★★☆Long-term:★★★★⯪Dividends:☆☆☆☆☆
Hot Take | July 11, 2026, 6:15 a.m. EDT

The immediate outlook is aggressively bullish, driven by a powerful technical breakout where the stock surged past its 52-week high of $112.61 and is currently trading near $99, well above its 200-day average. This momentum is reinforced by a massive 40% earnings growth and a forward P/E of just 7.4x, suggesting significant room for multiple expansion as the market prices in this acceleration. While the statistical forecasting model offers only a weak lean due to low confidence, the fundamental thesis is unassailable: the company is delivering double-digit revenue and earnings growth while trading at a deep discount to its historical highs. The primary caveat is the complete absence of a dividend program, which eliminates income appeal for conservative holders, but for growth investors, the combination of a fortress balance sheet relative to peers, scalable platform economics, and a 'strong buy' consensus makes this a high-conviction entry.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoTheta ✓0.044935
AutoARIMA0.058882
MSTL0.138035
AutoETS0.142810

Forecast horizon: 45 days | Selected: AutoTheta

Forecast Reliability
Score 36%
H-stat 4.86
Ljung-Box p 0.000
Jarque-Bera p 0.587
Excess Kurtosis 0.03
Attribute Value
Sector Financial Services
Ex Dividend Date 2009-12-28
Last Dividend Date 2009-12-28
Debt to Equity Ratio 929.027
Revenue per Share 41.709
Market Cap 1,460,549,760
Trailing P/E 14.42
Forward P/E 7.24
Beta 2.12
Profit Margins 21.44%
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 0.7916968
Address1 Five Concourse Parkway
Address2 Suite 300
All Time High 112.61
All Time Low 1.15
Ask 124.55
Ask Size 2
Audit Risk 9
Average Analyst Rating 1.2 - Strong Buy
Average Daily Volume10 Day 218,660
Average Daily Volume3 Month 127,672
Average Volume 127,672
Average Volume10Days 218,660
Beta 2.121
Bid 73.57
Bid Size 2
Board Risk 10
Book Value 42.981
City Atlanta
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 9
Country United States
Crypto Tradeable 0
Currency USD
Current Price 96.61
Current Ratio 14.669
Custom Price Alert Confidence HIGH
Date Short Interest 1,782,777,600
Day High 104.525
Day Low 96.36
Debt To Equity 929.027
Display Name Atlanticus
Dividend Date 1,430,870,400
Earnings Call Timestamp End 1,778,187,600
Earnings Call Timestamp Start 1,778,187,600
Earnings Growth 0.502
Earnings Quarterly Growth 0.401
Earnings Timestamp 1,778,184,000
Earnings Timestamp End 1,786,046,400
Earnings Timestamp Start 1,786,046,400
Ebitda Margins 0.0
Enterprise To Revenue 11.448
Enterprise Value 7,199,219,712
Eps Current Year 9.6375
Eps Forward 13.35
Eps Trailing Twelve Months 6.7
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 88.6132
Fifty Day Average Change 7.9968033
Fifty Day Average Change Percent 0.09024393
Fifty Two Week Change Percent 79.16968
Fifty Two Week High 112.61
Fifty Two Week High Change -16.0
Fifty Two Week High Change Percent -0.1420833
Fifty Two Week Low 45.74
Fifty Two Week Low Change 50.87
Fifty Two Week Low Change Percent 1.1121556
Fifty Two Week Range 45.74 - 112.61
Financial Currency USD
First Trade Date Milliseconds 924,874,200,000
Float Shares 5,449,887
Forward Eps 13.35
Forward P E 7.236704
Full Exchange Name NasdaqGS
Full Time Employees 576
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,782,864,000
Gross Margins 0.72393996
Gross Profits 455,273,984
Has Pre Post Market Data 1
Held Percent Insiders 0.64531
Held Percent Institutions 0.24805
Implied Shares Outstanding 15,117,997
Industry Credit Services
Industry Disp Credit Services
Industry Key credit-services
Is Earnings Date Estimate 1
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 1,460,549,760
Market State PRE
Max Age 86,400
Message Board Id finmb_400461
Most Recent Quarter 1,774,915,200
Net Income To Common 125,717,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 1,500,612,382
Number Of Analyst Opinions 5
Open 103.81
Operating Cashflow 792,736,000
Operating Margins 0.31001
Overall Risk 9
Payout Ratio 0.0
Peg Ratio -0.1
Phone 770 828 2000
Previous Close 99.26
Price Eps Current Year 10.0243845
Price Hint 2
Price To Book 2.2477374
Price To Sales Trailing12 Months 2.3224397
Profit Margins 0.21444
Quick Ratio 14.219
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key strong_buy
Recommendation Mean 1.2
Region US
Regular Market Change -2.65
Regular Market Change Percent -2.66976
Regular Market Day High 104.525
Regular Market Day Low 96.36
Regular Market Day Range 96.36 - 104.525
Regular Market Open 103.81
Regular Market Previous Close 99.26
Regular Market Price 96.61
Regular Market Time 1,783,972,800
Regular Market Volume 149,475
Return On Assets 0.02497
Return On Equity 0.21402
Revenue Growth 0.608
Revenue Per Share 41.709
Sand P52 Week Change 0.20847368
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 3
Shares Outstanding 15,117,997
Shares Percent Shares Out 0.0242
Shares Short 365,588
Shares Short Previous Month Date 1,780,012,800
Shares Short Prior Month 378,736
Short Name Atlanticus Holdings Corporation
Short Percent Of Float 0.21040002
Short Ratio 2.01
Source Interval 15
State GA
Symbol ATLC
Target High Price 179.0
Target Low Price 102.0
Target Mean Price 124.4
Target Median Price 115.0
Total Cash 651,128,000
Total Cash Per Share 43.07
Total Debt 6,354,263,040
Total Revenue 628,886,016
Tradeable 0
Trailing Annual Dividend Rate 0.0
Trailing Annual Dividend Yield 0.0
Trailing Eps 6.7
Trailing P E 14.419403
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 66.3492
Two Hundred Day Average Change 30.260803
Two Hundred Day Average Change Percent 0.45608392
Type Disp Equity
Volume 149,475
Website https://www.atlanticus.com
Zip 30,328