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Atlanticus Holdings (ATLC) Stock Price & Analysis
ATLC Stock Chart & Stats
- Day’s Range
- $92.79 - $96.68
- 52-Week Range
- $47.50 - $114.34
- Previous Close
- $98.15
- Volume
- 193.16K
- Average Volume (3M)
- 105.41K
- Market Cap
- $1.42B
- Enterprise Value
- $7.65B
- Total Cash (Recent Filing)
- $645.18M
- Total Debt (Recent Filing)
- $6.29B
- Price to Earnings (P/E)
- 9.7
- Beta
- 1.56
- Next Earnings
- Nov 05, 2026 (Est.)
- EPS Estimate
- 2.99
- Last Dividend Ex-Date
- Dec 29, 2009
- Dividend Yield
- N/A
Bulls Say, Bears Say
Bulls Say
Strong Organic Growth And Customer Expansion
Organic receivables and account growth shows that Atlanticus is expanding beyond the Mercury acquisition. Continued customer additions across multiple origination channels can broaden the platform, improve operating scale, and support recurring credit revenue over the next several quarters.
Mercury Integration And Funding Execution
Ahead-of-plan integration and better-than-modeled repricing indicate that Atlanticus is extracting operating and portfolio benefits from Mercury. AAA ABS ratings and tighter-spread issuance also strengthen funding access, supporting growth while potentially improving capital-market flexibility.
Strong Cash Generation And Earnings Conversion
Substantial free cash flow that closely tracks net income indicates that reported earnings are converting into cash rather than relying mainly on accounting gains. This supports funding needs, internal reinvestment, and balance-sheet management as the credit platform scales.
Bears Say
Highly Leveraged Balance Sheet
Very high leverage leaves Atlanticus with limited financial flexibility if credit performance or funding conditions deteriorate. Although leverage improved from 2025, the small equity base still amplifies losses and can constrain investment, capital allocation, and resilience.
Elevated Credit Losses And Charge-offs
A 17.7% net charge-off rate represents a substantial credit burden for a consumer finance model and can absorb revenue growth through provisions, fair-value effects, and collection costs. Higher losses would directly pressure profitability and capital as receivables season.
Margin Pressure From Higher Funding Costs
Rapidly rising interest expense can compress the spread between receivable yields and funding costs, especially while the company expands its balance sheet. Persistent funding-cost pressure would make earnings more sensitive to credit outcomes and reduce margin sustainability.
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Atlanticus Holdings Stock Smart Score
Company Description
Atlanticus Holdings
Atlanticus Holdings Corporation, operating under the ticker ATLC, is a financial services enterprise providing a spectrum of credit and related financial solutions to consumers throughout the United States. The company's operations are structured into two principal divisions: Credit as a Service and Auto Finance. The Credit as a Service segment is dedicated to the origination and facilitation of various consumer loan products. This includes both private label credit cards, often associated with specific retailers or healthcare providers, and general purpose credit cards. These cards are issued by lenders and disseminated through multiple avenues, such as retail and healthcare partnerships, targeted direct mail campaigns, digital marketing initiatives, and collaborations with external organizations. This segment empowers customers to finance acquisitions of diverse goods and services, ranging from consumer electronics and furniture to elective medical procedures, general healthcare, educational offerings, and home renovation projects. Beyond loan origination, it also offers comprehensive loan servicing, encompassing risk management and outsourced customer support for third parties, while concurrently engaging in research and development, and making strategic investments in nascent consumer finance technology platforms. The Auto Finance segment is focused on the purchase and servicing of loans collateralized by automobiles. These activities are performed for or on behalf of a carefully selected network of independent automotive dealerships and specialized finance companies, particularly those operating within the "buy-here, pay-here" and used car markets. This segment also extends its financial offerings to include inventory financing, commonly known as floor plan financing, and various installment lending products. Furthermore, Atlanticus Holdings Corporation strategically invests in and actively manages portfolios comprised of credit card receivables. The company was founded in 1996 and is headquartered in Atlanta, Georgia.
- Sector
- Financial
- Industry
- Financial - Credit Services
- CEO
- Jeffrey A. Howard
- Employees
- 576
- Website
- www.atlanticus.com
- Address
- Five Concourse Parkway, Atlanta, GA, 30328, US
Atlanticus Holdings (ATLC) Earnings & Revenues
ATLC Company Deck
ATLC Earnings Call
Earnings Call SentimentPositive
The call presented strong operational and financial momentum: record revenue, record new customers, substantial receivable growth and a high ROE driven by both Mercury acquisition benefits and organic expansion. Management reported Mercury integration as ahead of plan, achieved favorable funding outcomes (including first AAA ABS rating), and reiterated disciplined credit management. Offsetting positives are material increases in charge-offs and a sizeable negative fair value impact driven by portfolio scale, higher interest expense and higher operating costs tied to growth, plus competitive pressure in direct mail acquisition leading to higher acquisition costs. On balance, the highlights — strong profitability, scalable receivable growth, ahead-of-plan acquisition integration, liquidity and funding achievements — meaningfully outweigh the lowlights, though the elevated charge-offs and rising funding/operating costs are key risks to monitor.
View all ATLC earnings summariesATLC Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 14 | 5 | 3 |
| Technical Analysis | 3 | 5 | 2 |
| Moving Averages | 11 | 0 | 1 |