ATLC Stock Analysis: Buy, Sell, or Hold?
ATLC - Atlanticus Holdings Corporation
$77.16
-3.11 (-3.87%)
▼
5d:
-9.02%
30d:
+15.23%
90d:
+48.76%
HOLD
LOW Confidence
Analysis Updated: May 15, 2026 12:00 AM ET
Earnings: May 12, 2026
0d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: ATLC shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 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
$161.09
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$100.03
22.9% 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 6.2x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: ATLC is currently trading at $77.16, which is considered slightly high relative to its 30-day fair value range of $67.00 to $80.51. The stock's valuation (Forward PE: 5.8) is in line with its historical norms (6.2). Remarkably, the market is currently pricing in an annual earnings decline of 2.2% over the next few years. This pessimistic expectation contrasts with the company's recent 50.2% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, ATLC is in a uptrend. Immediate support is located at $72.04, while resistance sits at $89.00. Short-term momentum is weak, with the stock down 3.9% recently.
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 $104.00 (+34.8%). 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 uptrend. Immediate support is located at $72.04, while resistance sits at $89.00. Short-term momentum is weak, with the stock down 3.9% recently.
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 $104.00 (+34.8%). 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 HIGH
Historical Trading Range
$67.00 -
$80.51
Company Quality Score
56/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
60.5%
All Signals
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BEARISH: Downward momentum (-3.9%)
- BULLISH: Trading 34.8% below Wall St target ($104.00)
- CAUTION: Recommendation downgraded due to -9.0% 5-day decline
Trading Range Analysis
30-Day Trading Range
$67.00 -
$80.51
Current vs Trading Range
SLIGHTLY HIGH
Support & Resistance Levels
Support Level
$72.04
Resistance Level
$89.00
Current Trend
Uptrend
Technical data as of
May 15, 2026
Fundamental Context
Forward P/E (Next Year Est.)
5.78
Wall Street Target
$104.00
(+34.8%)
Revenue Growth (YoY)
60.8%
Earnings Growth (YoY)
50.2%
Profit Margin
21.4%
Valuation Discount vs History
-2.2% cheaper
PE vs Historical
5.8 vs 6.2
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-2.2%
(market-implied from PE analysis)
1-Year Target
$75.46
(-2%)
2-Year Target
$73.80
(-4%)
3-Year Target
$72.18
(-7%)
3-Yr Target (if PE normalizes)
(PE: 6→6)
$77.38
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.1, Growth: 38.5%)
$782.59
(+914%)
Base:
(SPY PE: 5.8, Growth: 38.5%)
$205.06
(+166%)
Bear:
(PE: 4.9, Growth: 38.5%)
$174.30
(+126%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (12x PE), but valuation improves significantly next year (6x PE) as earnings recover.
Trailing PE: 11.98 | Current EPS (TTM): $6.70
Bull Case
$175.84
(+128%)
Analyst growth 99.1%, PE expands to 13.2
Base Case
$159.85
(+107%)
Market implied 99.1%, PE stable at 12.0
Bear Case
$54.58
(-29%)
Severe decline -20.0%, PE contracts to 10.2
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 5.8 to 6.2
Stabilization Target:
$82.72
(+7.2%)
PE Expansion Potential:
+7.2%
Share & Embed Analysis
Last updated: May 16, 2026 3:39 AM ET
Data refreshes hourly during market hours. Next update: 4:39 AM
Data refreshes hourly during market hours. Next update: 4:39 AM
🔥 Top Stocks Breaking Out Now
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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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