ATLC Stock Analysis: Buy, Sell, or Hold?
ATLC - Atlanticus Holdings Corporation
$51.33
0.01 (0.02%)
ā²
5d:
-8.29%
30d:
-3.21%
90d:
-26.33%
HOLD
LOW Confidence
Analysis Updated: Mar 30, 2026 12:00 AM ET
Earnings: May 14, 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
$159.12
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$98.80
48.0% 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 $51.33, which is considered oversold relative to its 30-day fair value range of $51.52 to $55.98. From a valuation perspective, the stock is trading at a discount (Forward PE: 4.0) compared to its historical average (6.4). Remarkably, the market is currently pricing in an annual earnings decline of 14.6% 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. The price is currently testing key support at $50.15. 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 (45/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $92.40 (+80.0%). 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. The price is currently testing key support at $50.15. 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 (45/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $92.40 (+80.0%). 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
$51.52 -
$55.98
Company Quality Score
52/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
79.5%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (45/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 80.0% below Wall St target ($92.40)
- CAUTION: Recommendation downgraded due to -8.3% 5-day decline
Fair Price Analysis
30-Day Fair Range
$51.52 -
$55.98
Current vs Fair Value
OVERSOLD
Support & Resistance Levels
Support Level
$50.15
Resistance Level
$58.08
Current Trend
Downtrend
Technical data as of
Mar 30, 2026
Fundamental Context
Forward P/E (Next Year Est.)
4.02
Wall Street Target
$92.40
(+80.0%)
Revenue Growth (YoY)
50.1%
Earnings Growth (YoY)
22.7%
Profit Margin
21.9%
Valuation Discount vs History
-14.6% cheaper
PE vs Historical
4.0 vs 6.4
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-14.6%
(market-implied from PE analysis)
1-Year Target
$46.19
(-10%)
2-Year Target
$41.57
(-19%)
3-Year Target
$37.41
(-27%)
3-Yr Target (if PE normalizes)
(PE: 4ā6)
$59.57
(+16%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.4, Growth: 42.9%)
$833.26
(+1524%)
Base:
(SPY PE: 4.0, Growth: 42.9%)
$149.86
(+192%)
Bear:
(PE: 3.4, Growth: 42.9%)
$127.38
(+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 4.0 to 6.4
Stabilization Target:
$81.71
(+59.2%)
PE Expansion Potential:
+59.2%
Share & Embed Analysis
Last updated: March 31, 2026 10:50 AM ET
Data refreshes hourly during market hours. Next update: 11:50 AM
Data refreshes hourly during market hours. Next update: 11:50 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
1675 shares
2026-01-13
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