Stock Ratings / Financials / ATLC / earnings

KEEL (22) SECZ (44) PWP (49) TRIN (43) ⌘ Pro Terminal →

Atlanticus Holdings Corporation (ATLC) Next Earnings Date & Expected ±8.7% Move

$93.46 -4.78% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $92.48

Atlanticus Holdings Corporation (ATLC) carries a Roarable Rating of C+ (Hold) with 69/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 69/100 (C+) historically posted market-perform odds over rolling 90-day windows (+2.0% avg 90D alpha vs SPY) →

ROARABLE C+ • HOLD / WATCH Cap $1.49B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on ATLC Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is ATLC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, Atlanticus Holdings Corporation (NASDAQ: ATLC) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $93.46 (-4.78% 1D, market cap $1.49B). Pillar breakdown: Fundamental Cash Engine 17/20, Institutional 13F & Options Flow 15/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 11/20, and SEC Balance-Sheet Forensics 13/20. Across 1096 tracked Financials issuers, ATLC ranks #157 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does ATLC compare to KEEL and SECZ in the Financials sector?

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Within the Financials sector (Finance: Consumer Services), ATLC carries a Roarable C+ (69/100 RQD), trailing P/E of 12.3x, gross margin of —, and ROIC of 19.8%. By comparison, KEEL (Keel Infrastructure Corp.) holds a E grade (22/100 RQD, P/E N/A, ROIC -10.4%, cap $1.43B) and SECZ (Securitize Corp.) posts a D grade (44/100 RQD, P/E N/A, ROIC —, cap $1.38B). Among the 5-stock peer group, ATLC leads on earnings multiple (12.3x) while PWP leads on capital efficiency (55.7% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for ATLC?

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Per ATLC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001464343), Atlanticus Holdings Corporation generated $1.97B in revenue (+50.1% YoY), $120.6M in net income, and $638.0M in free cash flow against $7.62B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $92.48 (-1.05%)🧬 Cannibal Buyback (-1.52% YoY Shares)⚙️ Cash Engine: 17/20 (A-) • 32.4% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 69/100 (C+) historically posted market-perform odds over rolling 90-day windows (+2.0% avg 90D alpha vs SPY • 57.3% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B · Rk C-

Each axis scored 0–20

12M PRICE TARGET CONE+5% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for ATLC)Realized 20D OHLCV Swing Band: ±8.7%

Deterministic 5-Pillar Attribution (69/100 Composite)

🔍 WHY ATLC SCORES 69/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Cash Engine Quality+17/20 pts (25% of score)

SEC XBRL FY 2025 (10-K): 32.4% FCF Margin ($638.0M FCF) & 52% Gross Margin

▲ #2 Bullish Driver: Whale & Options Positioning+15/20 pts (22% of score)

20D Institutional Volume Accumulation (±8.7% realized swing band)

▼ #1 Drag / Risk Factor: Macro Regime Fit11/20 pts (-9 pt drag)

Macro rate sensitivity & RSI-14 (58.8) create a -9 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade B+$94.60-4.3% Next Q

Q2 (-2Q)

Grade B+$90.57-3.5% Next Q

Q3 (-1Q)

Grade B$87.39+6.9% Next Q

Current

Grade C+$93.46+2% Hist 90D α

Trajectory: B+ (77) → C+ (69)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the ATLC Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 69/100 (C+) score, ATLC faces multiple-compression risk if 12.3x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.52% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($92.29) or 200D SMA ($80.59) invalidates the momentum regime and cuts Target Base ($98.09) toward Bear Floor ($76.51).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $ATLC• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “ATLC Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 69%NO 31%Trade / Inspect Odds →

NEXT EST. WINDOW: Dec 30, 2026 (~57 DAYS)

Historical OHLCV Volatility ±8.7% Swing Band

±$8.13 Expected Swing

MODEL EARNINGS SETUP GAUGE

ATLC Quantitative Pre-Earnings Setup: 69/100

Trailing EPS: $7.95 • YoY Revenue Growth: 50.1%

Model Bullish Setup (69/100)Model Risk Weight (31/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2025-12-31	$1.97B	$120.6M	$638.0M	52%
FY 2024	2024-12-31	$1.31B	$110.1M	$469.4M	52%
FY 2023	2023-12-31	$1.16B	$102.0M	$459.3M	52%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating ATLC & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on ATLC
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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ATLC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +23.51%📐 HORIZONTAL RANGE

2026-11-02O $91.64H $98.15L $91.64C $93.46VOL 111.7K

RES: $98.46SUP: $83.96SMA50: $92.29SMA200: $80.59

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

ATLC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 ATLC Butterfly Map → + Track ATLC →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

3.0%/yr Implied 5Y Growth

vs. +50.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on ATLC today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for ATLC. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for ATLC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (ATLC)

Financials Rank #157 of 1096 ⚔️ KEEL vs ATLC Full Matrix →

1. Head-to-Head Financials Peer Comparison (ATLC vs. KEEL, SECZ, PWP, TRIN)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Atlanticus Holdings Corporation (ATLC) ranks #157 by composite RQD confidence (69/100, grade C+) and #491 by equity capitalization ($1.49B). Within this direct 5-issuer industry benchmark cohort, ATLC leads on earnings valuation at 12.3x trailing P/E, while PWP leads on capital efficiency and profitability with 55.7% ROIC and — gross margin. ATLC currently leads its immediate peer cohort in composite quantitative strength at 69/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
ATLC ACTIVE Atlanticus Holdings Corporation	C+	69/100	12.3x	—	19.8%	-4.78%	$1.49B	Benchmark Subject
KEEL Keel Infrastructure Corp.	E	22/100	—	—	-10.4%	-10.82%	$1.43B	/keel-vs-atlc →
SECZ Securitize Corp.	D	44/100	—	—	—	-10.32%	$1.38B	/secz-vs-atlc →
PWP Perella Weinberg Partners (Class A)	D	49/100	28.4x	—	55.7%	+5.21%	$1.36B	/pwp-vs-atlc →
TRIN Trinity Capital Inc.	D-	43/100	—	—	—	-1.51%	$1.63B	/trin-vs-atlc →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001464343

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Atlanticus Holdings Corporation (ATLC) reported GAAP revenue of $1.97B (+50.1% vs. FY2024 revenue of $1.31B , and +70.3% cumulative change since FY2023) , GAAP net income of $120.6M, operating cash flow of $638.0M, and free cash flow of $638.0M (+35.9% YoY). On the balance sheet, ATLC closed FY2025 with $7.62B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$1.97B	$120.6M	$638.0M	$638.0M	$7.62B	—
FY2024 (FY)	2024-12-31	$1.31B	$110.1M	$469.4M	$469.4M	$3.27B	—
FY2023 (FY)	2023-12-31	$1.16B	$102.0M	$459.3M	$459.3M	—	—

3. ATLC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is ATLC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does ATLC compare to KEEL and SECZ in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for ATLC?

Where is ATLC trading relative to its 50-day, 200-day, and 52-week technical levels?

ATLC last traded at $93.46 (-4.78% on volume of 105,728 shares), positioning the stock +1.27% above its 50-day simple moving average ($92.29) and +15.97% above its 200-day simple moving average ($80.59). Across its 52-week range of $47.50 to $114.34, ATLC sits at the 68.8% percentile with a 14-day RSI of 58.8 (BULLISH MOMENTUM) and an implied next-earnings move of ±8.7% ($85.33 to $101.59).

ATLC Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

When is ATLC's next earnings date?

Based on SEC filing cadence, Atlanticus Holdings Corporation (ATLC)'s next quarterly reporting window is estimated around Dec 30, 2026.

How much is ATLC stock expected to move on earnings?

Volatility modeling currently projects a ±8.7% event move for ATLC, spanning a range between $85.33 and $101.59.

Direct Sub-Reports: ATLC RQD Cockpit ATLC 12M Forecast ATLC Earnings & Move ATLC Dividends & DRIP ATLC Insiders & 13F ATLC Whale Options ATLC Profit Sankey ATLC News & Why

ROARABLE RATING BRIEF • RQD 69/100 (C+) ✓ STAGE-C NUMBER FIREWALL VERIFIED

ATLC — Atlanticus Holdings Corporation: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T15:28:57Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, ATLC scores 69 out of 100, equating to a C+ grade and a verdict of "Roarable Hold — Upper Neutral / Watch for Breakout." The Fundamental Cash Engine pillar scores 17 of 20, supported by a ROIC of 19.8% but offset by an FCF yield of 0%. The Whale 13F Flow pillar scores 15 of 20, reflecting institutional accumulation and options positioning. The Insider Conviction pillar scores 13 of 20, reflecting SEC Form 4 and Congressional PTR cluster flow. The Macro Regime Fit pillar scores 11 of 20, consistent with a Beta of 1.0 and sector sensitivity. The Forensic Balance Sheet pillar scores 13 of 20, reflecting an Altman Z-Score of 2.5, a Piotroski F-Score of 6 of 9, and a Debt/Equity ratio of 0.5. For a prospective investor, the upside case rests mainly on the ROIC and fundamental pillar, while the valuation tradeoff is that the FCF yield is reported as 0%, and macro and sector sensitivity capped the score in the lower-middle range. The verdict frames the stock as neutral with a watch-for-breakout posture rather than a clear buy or sell signal.

Business

Atlanticus Holdings Corporation is a NASDAQ-listed company classified under the Financials sector and the Finance: Consumer Services industry, per the company profile. Per the profile, the company operates in consumer finance with a market capitalization of $1.5B. The source data does not describe specific products, customer segments, or revenue-generation mechanics beyond the sector and industry classification.

Financial Trend

Period	Revenue	Operating Income	Net Income	EPS	FCF	Cash	Debt
FY 2025	$1968.4M	$0.0M	$120.6M	N/A	$638.0M	$621.1M	N/A
FY 2024	$1311.4M	$0.0M	$110.1M	N/A	$469.4M	$375.4M	N/A
FY 2023	$1155.9M	$0.0M	$102.0M	N/A	$459.3M	N/A	N/A

Per the SEC financials, revenue rose from $1155.9M in FY 2023 to $1968.4M in FY 2025, and net income rose from $102.0M to $120.6M over the same span. Per the market data, net margin is 6.1% and ROIC is 19.8%, while gross and operating margins are reported as 0%. Per the Roarable RQD rating, the Altman Z-Score is 2.5, the Piotroski F-Score is 6 of 9, and Debt/Equity is 0.5. The source data does not provide a debt figure for any period, so balance sheet leverage can be assessed only through the Debt/Equity ratio.

Butterfly Effect: 2nd-Order Supply-Chain & Sector Ripples

Per the Butterfly Supply-Chain Graph, the supply chain is listed as NONE, with no butterfly links and no proprietary signals. Sector classification is Financials and industry is Finance: Consumer Services. The source data does not identify upstream or downstream dependencies, sector correlations, or 2nd-order bottlenecks.

Open Questions

What are the company's specific products, customer segments, and primary revenue sources?
What is the total debt figure for any reporting period, and how does it trend against cash?
Why is the reported FCF yield 0% when FY 2025 free cash flow is listed at $638.0M?
What drove the 7.1% price change and the 52-week range move from $47.5 to $114.34?
What analyst coverage, consensus rating, or institutional ownership exists for the stock?

ATLC Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Atlanticus Holdings Corporation (ATLC) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to ATLC Debate Forum (3) ↓

🔴 RISK WATCH Yahoo • 4d ago

The Bancorp (TBBK) Misses Q3 Earnings Estimates

The Bancorp (TBBK) delivered earnings and revenue surprises of -0.68% and +4.47%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?

Read Full Source ↗

🟡 MARKET WIRE Yahoo • 4d ago

Atlanticus to Host Third Quarter 2026 Earnings Call and Webcast on November 5, 2026, at 5:00 p.m. ET

ATLANTA, Oct. 29, 2026 (GLOBE NEWSWIRE) -- Atlanticus Holdings Corporation (NASDAQ: ATLC) (“Atlanticus,” the “Company,” “we,” “our” or “us”), a financial technology company that enables its bank, retail and healthcare pa

Read Full Source ↗

🟢 CATALYST Yahoo • 10d ago

Are Investors Undervaluing Atlanticus (ATLC) Right Now?

Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and

Read Full Source ↗

🟢 CATALYST Yahoo • 17d ago

1 Profitable Stock to Target This Week and 2 We Turn Down

Even if a company is profitable, it doesn’t always mean it’s a great investment. Some struggle to maintain growth, face looming threats, or fail to reinvest wisely, limiting their future potential.

Read Full Source ↗

🟡 MARKET WIRE Yahoo • 19d ago

Evercore, FirstCash, Blackstone, and Atlanticus Holdings Stocks Trade Down, What You Need To Know

A number of stocks fell in the afternoon session after September consumer price inflation accelerated to 3.7% and core inflation topped estimates, reigniting concerns over Federal Reserve interest rate hikes.

Read Full Source ↗

🟢 CATALYST SeekingAlpha • 19d ago

Atlanticus Holdings: Strong Growth Comes With High Credit Risk

Atlanticus demonstrates robust revenue growth, driven by the Mercury Financial acquisition and a strategic pivot to credit cards. Read more on ATLC stock here.

Read Full Source ↗

🟡 MARKET WIRE Yahoo • 21d ago

Is Hamilton Insurance Group, Ltd. (HG) Outperforming Other Finance Stocks This Year?

Here is how Hamilton Insurance (HG) and Atlanticus Holdings Corporation (ATLC) have performed compared to their sector so far this year.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

ATLC Bull vs. Bear Conversation Board — What's Your Call at $93.46?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON ATLC 🐻 50% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $106.00 (+8.0%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is ATLC (C+ • RQD 69/100) a Buy at $98.15?

Welcome to the ATLC (Atlanticus Holdings Corporation) Roar Pit. Current RQD Composite is 69/100 (Roarable Hold — Upper Neutral / Watch for Breakout) in Finance: Consumer Services. Bulls point to capital efficiency (19.8% ROIC), while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

SK SkepticalCFA Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $75.58 (-23.0%)

Spot @ $98.15

Pump the brakes on ATLC — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on ATLC, but look at what you are paying: 12.3x trailing P/E with tightening sector spreads. Unless Atlanticus Holdings Corporation expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

CA CashFlowKing Verified K Arena Trader 🐂 BULLISH 🎯 Target: $123.67 (+26.0%)

Spot @ $98.15

ATLC cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on ATLC, the market is fixating on short-term headline noise in Finance: Consumer Services and ignoring the balance sheet and cash flow trajectory. At $98.15 (52-wk range $47.50 - $114.34), any beat on forward guidance forces shorts and underweight funds to chase.