Price
No data yet.
Social Signal Score
Analyst Ratings
7 analystsRevenue
$550.52M+2943.08%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- Jeffrey A. Howard
- Sector
- Financial Services
- Industry
- Financial - Credit Services
- Employees
- 576
- Beta
- 2.02
- Country
- US
- Piotroski score
- 7 / 9 (Strong)
- Altman Z-score
- 0.68
Financials
Revenue
$550.52M+2943.1%Net Income
$49.72MEBITDA
$37.03MFree Cash Flow
$276.86M+2224.4%EPS (diluted)
$2.50Shares Outstanding (diluted)
19.19M+37.7%Operating Expenses
$-48.13MCash & Debt
$645.18MReturn of Capital
$2.36MRevenue by Segment (annual)
$309.58MDividend per Share
$0.50Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $704.50M | $122.20M | $7.39 |
| 2024 | $459.57M | $111.30M | $5.93 |
| 2023 | $365.68M | $102.84M | $5.35 |
| 2022 | $374.42M | $135.60M | $7.55 |
| 2021 | $453.93M | $177.90M | $10.32 |
| 2020 | $391.81M | $94.12M | $5.32 |
| 2019 | $407.83M | $26.44M | $1.74 |
| 2018 | $192.22M | $7.86M | $0.56 |
| 2017 | $100.42M | $-40.78M | $-2.93 |
| 2016 | $75.91M | $-6.33M | $-0.46 |
| 2015 | $90.32M | $1.71M | $0.12 |
| 2014 | $128.32M | $7.18M | $0.51 |
| 2013 | $123.55M | $-17.74M | $-1.29 |
| 2012 | $163.79M | $24.45M | $1.27 |
Valuation
Project earnings forward and see what return today's price implies.
Seeded from ATLC's reported EPS growth of 14.5% a year over 13 years.
- EPS in 5 years
- $15.90
- Implied price
- $143.12
- Return from $91.89
- 9.3% a year
To earn 15.0% a year on these assumptions you'd need to buy at $71.15 — -22.6% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 5 | 7 | 9 | 11 | 13 |
|---|---|---|---|---|---|
| 4.5% | -11.3% | -5.2% | -0.3% | 3.8% | 7.3% |
| 9.5% | -7.1% | -0.6% | 4.5% | 8.8% | 12.5% |
| 14.5% | -2.9% | 3.9% | 9.3% | 13.7% | 17.6% |
| 19.5% | 1.4% | 8.4% | 14.0% | 18.7% | 22.7% |
| 24.5% | 5.6% | 13.0% | 18.8% | 23.7% | 27.9% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
70+0.00%Social Signal Score
Mentions (10)
- Newszacks.com·14d ago·Positive
Are Investors Undervaluing Atlanticus (ATLC) Right Now? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.
View source ↗ - Newsglobenewswire.com·19d ago·Neutral
Atlanticus Completes Sale of CAR Auto Finance Operations ATLANTA, Sept. 17, 2026 (GLOBE NEWSWIRE) -- Atlanticus Holdings Corporation (NASDAQ: ATLC) (“Atlanticus,” the “Company,” “we,” “our” or “us”), a financial technology company that enables its bank, retail and healthcare partners to offer more inclusive financial services to millions of everyday Americans, today announced that it has completed the sale of its CAR Auto Finance operations (“CAR”) to an unaffiliated third party.
View source ↗ - Newsglobenewswire.com·25d ago·Neutral
…tlanticus to Participate in U.S. Bancorp | BTIG Consumer Finance Conference 2026 ATLANTA, Sept. 10, 2026 (GLOBE NEWSWIRE) -- Atlanticus Holdings Corporation (NASDAQ: ATLC) (“Atlanticus,” the “Company,” “we,” “our” or “us”), a financial technology company that enables its bank, retail and healthcare partners to offer more inclusive financial services to millions of everyday Americans, today announced that Jeff Howard, President and Chief Executive Officer, and Bill McCamey, Chief Financial Office…
View source ↗ - Newszacks.com·26d ago·Neutral
Wall Street Analysts See a 41.59% Upside in Atlanticus (ATLC): Can the Stock Really Move This High? The consensus price target hints at a 41.6% upside potential for Atlanticus (ATLC). While empirical research shows that this sought-after metric is hardly effective, an upward trend in earnings estimate revisions could mean that the stock will witness an upside in the near term.
View source ↗ - Newszacks.com·31d ago·Positive
Is Atlanticus (ATLC) Stock Undervalued Right Now? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.
View source ↗ - Newsdefenseworld.net·34d ago·Positive
Atlanticus Holdings Corporation (NASDAQ:ATLC) Receives Average Recommendation of “Moderate Buy” from Analysts Atlanticus Holdings Corporation (NASDAQ: ATLC - Get Free Report) has received an average rating of "Moderate Buy" from the eight ratings firms that are currently covering the firm, MarketBeat reports. Two investment analysts have rated the stock with a hold rating, five have issued a buy rating and one has assigned a strong buy rating to
View source ↗ - Newsglobenewswire.com·34d ago·Neutral
Atlanticus to Participate in B. Riley Securities Consumer & TMT Conference ATLANTA, Sept. 01, 2026 (GLOBE NEWSWIRE) -- Atlanticus Holdings Corporation (NASDAQ: ATLC) (“Atlanticus,” the “Company,” “we,” “our” or “us”), a financial technology company that enables its bank, retail and healthcare partners to offer more inclusive financial services to millions of everyday Americans, today announced that Jeff Howard, President and Chief Executive Officer, and Bill McCamey, Chief Financial Officer, wil…
View source ↗ - Newsglobenewswire.com·53d ago·Negative
Atlanticus Announces Approval of Quarterly Preferred Stock Dividend ATLANTA, Aug. 13, 2026 (GLOBE NEWSWIRE) -- Atlanticus Holdings Corporation (NASDAQ: ATLC) (“Atlanticus,” the “Company,” “we,” “our” or “us”), a financial technology company that enables its bank, retail and healthcare partners to offer more inclusive financial services to millions of everyday Americans, today announced that its Board of Directors approved a quarterly dividend of $0.476563 per share to Series B Cumulative Perpetu…
View source ↗ - Newszacks.com·53d ago·Neutral
Atlanticus Q2 Earnings Call Spotlights Mercury Progress and Credit ATLC's Q2 call highlights faster-than-planned Mercury integration, digital gains, stable credit and capital flexibility from high returns.
View source ↗ - Newsseekingalpha.com·54d ago·Positive
Atlanticus Holdings Corporation (ATLC) Q2 2026 Earnings Call Transcript Atlanticus Holdings Corporation (ATLC) Q2 2026 Earnings Call Transcript
View source ↗
Earnings
Mon, Nov 9(in 5 weeks)
Consensus estimate $2.82 per share
Typical surprise +12.0% (median, so one quarter with a near-zero estimate can't distort it)
- Thu, Aug 6$2.50 vs $2.42beat
- Thu, May 7$2.23 vs $1.69beat
- Thu, Mar 12$1.75 vs $1.65beat
- Mon, Nov 10$1.48 vs $1.34beat
- Thu, Aug 7$1.51 vs $1.30beat
- Thu, May 8$1.49 vs $1.33beat
Estimates and results for ATLC via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by ATLC officers and directors.
- Bought
- $7.4m
- Sold
- $12.0m
1 trade
23 trades
- Hanna Frank J Iiisold
- Hanna David Gsold
- Mccamey Williamsold
- Howard Jeffrey A.sold
- Hanna Frank J Iiisold
- Hanna David Gsold
- Hanna Frank J Iiisold
- Hanna David Gsold
76 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.
Congress trades
No disclosed congressional trades in ATLC.
Self-reported filings, amounts as brackets. Via Senate/House disclosures.