ATLC Stock Analysis: Buy, Sell, or Hold?
ATLC - Atlanticus Holdings Corporation
$96.40
-7.35 (-7.08%)
▼
5d:
-10.96%
30d:
+15.89%
90d:
+78.25%
WAIT
LOW Confidence
Analysis Updated: Jul 2, 2026 12:00 AM ET
Earnings: Aug 06, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
⏸️ WAIT FOR STABILIZATION: ATLC is down 11.0% over the last 5 days. While fundamentals may be solid, catching a falling knife is risky. Wait for price to stabilize before entering.
⏸️ WAIT FOR STABILIZATION: ATLC is down 11.0% over the last 5 days. While fundamentals may be solid, catching a falling knife is risky. Wait for price to stabilize before entering.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$163.69
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$101.64
5.2% 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 6.3x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: ATLC is currently trading at $96.40, which is considered fair relative to its 30-day fair value range of $84.61 to $102.26. From a valuation perspective, the stock is trading at a premium (Forward PE: 7.2) compared to its historical average (6.3). At these levels, the market is pricing in 4.6% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, ATLC is in a strong uptrend. The price is currently testing key support at $95.37. A bounce from this level would confirm strength, while a break below could signal further downside. Short-term momentum is weak, with the stock down 7.1% recently.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $118.80 (+23.2%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, ATLC is in a strong uptrend. The price is currently testing key support at $95.37. A bounce from this level would confirm strength, while a break below could signal further downside. Short-term momentum is weak, with the stock down 7.1% recently.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $118.80 (+23.2%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$84.61 -
$102.26
Company Quality Score
59/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
68.6%
All Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Mixed technical signals (55/100)
- BULLISH: High volume confirmation
- BEARISH: Downward momentum (-7.1%)
- BULLISH: Trading 23.2% below Wall St target ($118.80)
- NEUTRAL: Market pricing in 4.6% annual earnings growth - fairly valued
- WARNING: Recommendation downgraded due to -11.0% 5-day decline - wait for stabilization
Trading Range Analysis
30-Day Trading Range
$84.61 -
$102.26
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$95.37
Resistance Level
$112.61
Current Trend
Strong Uptrend
Technical data as of
Jul 2, 2026
Fundamental Context
Forward P/E (Next Year Est.)
7.23
Wall Street Target
$118.80
(+23.2%)
Revenue Growth (YoY)
60.8%
Earnings Growth (YoY)
50.2%
Profit Margin
21.4%
Valuation Premium vs History
+4.6% premium
PE vs Historical
7.2 vs 6.3
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+4.6%
(market-implied from PE analysis)
1-Year Target
$100.83
(+5%)
2-Year Target
$105.47
(+9%)
3-Year Target
$110.32
(+14%)
3-Yr Target (if PE normalizes)
(PE: 7→6)
PE COMPRESSION
$96.20
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 38.5%)
$772.31
(+701%)
Base:
(SPY PE: 7.2, Growth: 38.5%)
$256.20
(+166%)
Bear:
(PE: 6.1, Growth: 38.5%)
$217.77
(+126%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (12x PE), but valuation improves significantly next year (7x PE) as earnings recover.
Trailing PE: 11.50 | Current EPS (TTM): $9.02
Bull Case
$168.81
(+75%)
Analyst growth 47.9%, PE expands to 12.7
Base Case
$153.47
(+59%)
Market implied 47.9%, PE stable at 11.5
Bear Case
$70.55
(-27%)
Severe decline -20.0%, PE contracts to 9.8
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: July 04, 2026 12:13 PM ET
Data refreshes hourly during market hours. Next update: 1:13 PM
Data refreshes hourly during market hours. Next update: 1:13 PM
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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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