ATLC Stock Analysis: Buy, Sell, or Hold?
ATLC - Atlanticus Holdings Corporation
$52.47
1.15 (2.24%)
ā²
5d:
-6.25%
30d:
-1.06%
90d:
-24.7%
HOLD
MODERATE Confidence
Analysis Updated: Mar 31, 2026 12:00 AM ET
Earnings: May 14, 2026
Get Alerted When ATLC Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
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
$159.12
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$98.80
46.9% 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 6.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: ATLC is currently trading at $52.47, which is considered slightly low relative to its 30-day fair value range of $51.53 to $55.99. From a valuation perspective, the stock is trading at a discount (Forward PE: 4.1) compared to its historical average (6.4). Remarkably, the market is currently pricing in an annual earnings decline of 13.8% over the next few years. This pessimistic expectation contrasts with the company's recent 22.7% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, ATLC is in a downtrend. Immediate support is located at $50.75, while resistance sits at $58.08.
Market Sentiment: ATLC has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. Wall Street analysts see significant upside, with an average price target of $92.40 (+76.1%). 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 in a downtrend. Immediate support is located at $50.75, while resistance sits at $58.08.
Market Sentiment: ATLC has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. Wall Street analysts see significant upside, with an average price target of $92.40 (+76.1%). 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
SLIGHTLY LOW
Fair Price Range
$51.53 -
$55.99
Company Quality Score
53/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
57.1%
All Signals
- BULLISH: Price oversold vs 30-day range
- BEARISH: Weak technical setup (25/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 76.1% below Wall St target ($92.40)
- CAUTION: 5-day price weakness (-6.3%) - monitor closely
Fair Price Analysis
30-Day Fair Range
$51.53 -
$55.99
Current vs Fair Value
SLIGHTLY LOW
Support & Resistance Levels
Support Level
$50.75
Resistance Level
$58.08
Current Trend
Downtrend
Technical data as of
Mar 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
4.11
Wall Street Target
$92.40
(+76.1%)
Revenue Growth (YoY)
50.1%
Earnings Growth (YoY)
22.7%
Profit Margin
21.9%
Valuation Discount vs History
-13.8% cheaper
PE vs Historical
4.1 vs 6.4
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-13.8%
(market-implied from PE analysis)
1-Year Target
$47.22
(-10%)
2-Year Target
$42.50
(-19%)
3-Year Target
$38.25
(-27%)
3-Yr Target (if PE normalizes)
(PE: 4ā6)
$59.57
(+14%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.4, Growth: 42.9%)
$833.26
(+1488%)
Base:
(SPY PE: 4.1, Growth: 42.9%)
$153.22
(+192%)
Bear:
(PE: 3.5, Growth: 42.9%)
$130.24
(+148%)
š
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (9x PE), but valuation improves significantly next year (4x PE) as earnings recover.
Trailing PE: 9.17 | Current EPS (TTM): $5.96
Bull Case
$120.27
(+114%)
Analyst growth 100.0%, PE expands to 10.1
Base Case
$109.34
(+94%)
Market implied 100.0%, PE stable at 9.2
Bear Case
$37.18
(-34%)
Severe decline -20.0%, PE contracts to 7.8
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 4.1 to 6.4
Stabilization Target:
$81.71
(+55.7%)
PE Expansion Potential:
+55.7%
Share & Embed Analysis
Last updated: April 01, 2026 12:40 AM ET
Data refreshes hourly during market hours. Next update: 1:40 AM
Data refreshes hourly during market hours. Next update: 1:40 AM
š„ Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
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
1675 shares
2026-01-13
Top Rated Credit Services Stocks
Top-rated stocks in Credit Services by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
V
Visa Inc. Class A |
STRONG BUY
41 analysts |
$400 | 64 BUY |
|
MA
Mastercard Inc |
STRONG BUY
42 analysts |
$663 | 62 BUY |
|
PYPL
PayPal Holdings Inc |
HOLD
47 analysts |
$50 | 61 BUY |
|
AXP
American Express Company |
HOLD
30 analysts |
$375 | 62 BUY |
|
AFRM
Affirm Holdings Inc |
STRONG BUY
24 analysts |
$82 | 54 HOLD |
