ATLC Stock Analysis: Buy, Sell, or Hold?
ATLC - Atlanticus Holdings Corporation
$51.63
1.08 (2.14%)
ā²
HOLD
LOW Confidence
Last Updated: January 30, 2026
Earnings: Mar 12, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
š HOLD: ATLC shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
š HOLD: ATLC shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$120.23
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$74.65
30.8% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 7.2x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: ATLC is currently trading at $51.63, which is considered oversold relative to its 30-day fair value range of $55.90 to $68.31. From a valuation perspective, the stock is trading at a discount (Forward PE: 5.9) compared to its historical average (7.2). Remarkably, the market is currently pricing in an annual earnings decline of 6.3% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, ATLC is showing sideways momentum. The price is currently testing key support at $50.13. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $91.60 (+81.2%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, ATLC is showing sideways momentum. The price is currently testing key support at $50.13. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $91.60 (+81.2%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
OVERSOLD
Fair Price Range
$55.90 -
$68.31
Company Quality Score
53/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
79.5%
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View Profit Protection PlanAll Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 81.2% below Wall St target ($91.60)
- CAUTION: Recommendation downgraded due to -9.4% 5-day decline
Fair Price Analysis
30-Day Fair Range
$55.90 -
$68.31
Current vs Fair Value
OVERSOLD
Support & Resistance Levels
Support Level
$50.13
Resistance Level
$61.67
Current Trend
Sideways
Fundamental Context
Forward P/E (Next Year Est.)
5.90
Wall Street Target
$91.60
(+81.2%)
Revenue Growth (YoY)
41.3%
Earnings Growth (YoY)
-4.4%
Profit Margin
23.8%
Valuation Discount vs History
-6.3% cheaper
PE vs Historical
5.9 vs 7.2
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-6.3%
(market-implied from PE analysis)
1-Year Target
$47.37
(-6%)
2-Year Target
$44.38
(-12%)
3-Year Target
$41.59
(-18%)
3-Yr Target (if PE normalizes)
(PE: 6ā7)
$50.79
(+1%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 45.1%)
$584.09
(+1056%)
Base:
(SPY PE: 5.9, Growth: 45.1%)
$154.40
(+205%)
Bear:
(PE: 5.0, Growth: 45.1%)
$131.24
(+160%)
š
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (9x PE), but valuation improves significantly next year (6x PE) as earnings recover.
Trailing PE: 8.99 | Current EPS (TTM): $5.63
Bull Case
$84.81
(+64%)
Analyst growth 52.3%, PE expands to 9.9
Base Case
$77.10
(+49%)
Market implied 52.3%, PE stable at 9.0
Bear Case
$34.42
(-33%)
Severe decline -20.0%, PE contracts to 7.6
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
š”
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 5.9 to 7.2
Stabilization Target:
$61.74
(+22.1%)
PE Expansion Potential:
+22.1%
Last updated: January 31, 2026 8:25 AM ET
Data refreshes hourly during market hours. Next update: 9:25 AM
Data refreshes hourly during market hours. Next update: 9:25 AM
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Technical Signals Check
Is ATLC showing a specific setup today?
Insider Activity (6 Months)
0
Buys
1
Sells
Net
INSIDERS SELLING
Recent Transactions
Deal W Hudson
SELL
2000 shares
2025-08-13
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