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Atlanticus Holdings Corporation (ATLCP)

Financial Services | Credit Services | Atlanta, United States | NasdaqGS
22.89 USD

Short-term:★★⯪☆☆Long-term:★★⯪☆☆Dividends:★★★☆☆
Hot Take ↕ | Oct. 10, 2026, 9:42 a.m. EDT

The immediate outlook remains neutral despite a recent earnings beat, as the stock is currently trading below its 50-day moving average, indicating lingering short-term weakness. While the company reported a significant 25.79% EPS surprise in Q1 2026 driven by operational efficiency, the price action has not yet fully validated this momentum, keeping the near-term bias flat rather than bullish. Looking further out, the business fundamentals are mixed; while revenue and earnings growth are robust at 83% and 66% respectively, the multi-year price trajectory shows a slight net decline over the last four years, suggesting the market remains cautious about the sustainability of these gains or the balance sheet risks. This caution is reflected in the valuation metrics, where the stock trades at less than half its book value and carries a massive debt-to-equity ratio of 853%, which acts as a ceiling on the long-term rating despite the strong top-line growth. On the income side, the company offers a compelling 8.22% yield with a consistent payment history, making it attractive for income-focused investors who can tolerate the underlying equity volatility and leverage.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoARIMA ✓0.013653
MSTL0.013910
AutoETS0.014189
AutoTheta0.015415

Forecast horizon: 45 days | Selected: AutoARIMA

Forecast Reliability
Score 61%
H-stat 8.00
Ljung-Box p 0.000
Jarque-Bera p 0.662
Excess Kurtosis 0.15
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-08-31
Last Dividend Date 2026-08-31
Debt to Equity Ratio 853.528
Revenue per Share 48.422
Trailing P/E 3.01
Beta 1.99
Profit Margins 21.08%
Website https://www.atlanticus.com

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
2.01% 7.94% 8.25% 8.42%
Dividend History
Date Dividend Yield %
2026-09-01 0.477 2.011385
2026-06-01 0.477 1.990818
2026-02-27 0.477 1.939024
2025-12-01 0.477 1.995816
2025-08-29 0.477 2.012658
2025-05-30 0.477 2.110153
2025-02-28 0.477 2.018620
2024-11-29 0.477 1.987500
2024-08-30 0.477 2.114362
2024-05-31 0.477 2.167197
2024-02-29 0.477 2.124722
2023-11-30 0.477 2.282297
2023-08-31 0.477 2.260663
2023-05-31 0.477 2.514497
2023-02-28 0.477 2.339382
2022-11-30 0.477 2.218089
2022-08-31 0.477 2.118682
2022-05-31 0.483 2.034884
2022-03-03 0.470 1.897840
2021-11-30 0.477 1.938236
2021-09-02 0.498 1.980119
Additional Data
dividendRate 1.91
dividendYield 8.33
exDividendDate 2026-09-01
trailingAnnualDividendRate 0.0
trailingAnnualDividendYield 0.0
lastDividendValue 0.477
lastDividendDate 2026-09-01
dividendDate 2026-09-15

Info Dump

Attribute Value
52 Week Change -0.044657767
Address1 Five Concourse Parkway
Address2 Suite 300
All Time High 25.55
All Time Low 15.875
Ask 24.2
Ask Size 1
Average Daily Volume10 Day 4,710
Average Daily Volume3 Month 4,023
Average Volume 4,023
Average Volume10Days 4,710
Beta 1.99
Bid 23.6
Bid Size 2
Book Value 46.267
City Atlanta
Compensation As Of Epoch Date 1,767,139,200
Country United States
Crypto Tradeable 0
Currency USD
Current Price 22.89
Current Ratio 14.837
Custom Price Alert Confidence HIGH
Date Short Interest 1,790,726,400
Day High 22.89
Day Low 22.89
Debt To Equity 853.528
Display Name Atlanticus
Dividend Date 1,789,430,400
Dividend Rate 1.91
Dividend Yield 8.33
Earnings Growth 0.66
Earnings Quarterly Growth 0.626
Earnings Timestamp End 1,754,942,400
Earnings Timestamp Start 1,754,510,400
Ebitda Margins 0.0
Enterprise To Revenue 8.381
Enterprise Value 6,122,191,360
Eps Trailing Twelve Months 7.609
Esg Populated 0
Ex Dividend Date 1,788,220,800
Exchange NMS
Exchange Data Delayed By 15
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 23.88646
Fifty Day Average Change -0.99645996
Fifty Day Average Change Percent -0.04171652
Fifty Two Week Change Percent -4.4657764
Fifty Two Week High 24.9
Fifty Two Week High Change -2.0100002
Fifty Two Week High Change Percent -0.080722906
Fifty Two Week Low 20.46
Fifty Two Week Low Change 2.4300003
Fifty Two Week Low Change Percent 0.11876835
Fifty Two Week Range 20.46 - 24.9
Financial Currency USD
First Trade Date Milliseconds 1,623,677,400,000
Five Year Avg Dividend Yield 7.34
Float Shares 5,503,386
Full Exchange Name NasdaqGS
Full Time Employees 576
Fullday Change 0.0
Fullday Change Percent 0.0
Fullday Price 22.89
Gmt Off Set Milliseconds -14,400,000
Gross Margins 0.72977996
Gross Profits 533,084,000
Has Pre Post Market Data 1
Held Percent Insiders 0.0
Held Percent Institutions 0.02932
Industry Credit Services
Industry Disp Credit Services
Industry Key credit-services
Is Earnings Date Estimate 1
Language en-US
Last Dividend Date 1,788,220,800
Last Dividend Value 0.477
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 State POSTPOST
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
Open 22.05
Operating Cashflow 936,974,976
Operating Margins 0.29521
Phone 770 828 2000
Previous Close 22.89
Price Hint 2
Price To Book 0.4947371
Profit Margins 0.21083
Quick Ratio 14.538
Quote Source Name Delayed Quote
Quote Type EQUITY
Recommendation Key none
Region US
Regular Market Change 0.0
Regular Market Change Percent 0.0
Regular Market Day High 22.89
Regular Market Day Low 22.89
Regular Market Day Range 22.89 - 22.89
Regular Market Open 22.05
Regular Market Previous Close 22.89
Regular Market Price 22.89
Regular Market Time 1,792,094,400
Regular Market Volume 295
Return On Assets 0.02757
Return On Equity 0.22966999
Revenue Growth 0.833
Revenue Per Share 48.422
Sand P52 Week Change 0.16207206
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Shares Short 299
Shares Short Previous Month Date 1,788,134,400
Shares Short Prior Month 5,141
Short Name Atlanticus Holdings Corporation
Short Ratio 0.09
Source Interval 15
State GA
Symbol ATLCP
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 7.609
Trailing P E 3.0082796
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 23.964954
Two Hundred Day Average Change -1.074955
Two Hundred Day Average Change Percent -0.04485529
Type Disp Equity
Volume 295
Website https://www.atlanticus.com
Zip 30,328