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.
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.
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).
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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC XBRL FY 2025 (10-K): 32.4% FCF Margin ($638.0M FCF) & 52% Gross Margin
20D Institutional Volume Accumulation (±8.7% realized swing band)
Macro rate sensitivity & RSI-14 (58.8) create a -9 pt regime headwind
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.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-1.52% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
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).
Atlanticus Holdings Corporation (ATLC) dropped -4.78% to $93.46, trading at 69% of its 52-week range ($47.5 – $114.34). Solid steady margins (20% return on capital), mixed timing at 12x P/E—hold if owned, no rush to chase.
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?
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
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
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.
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.
Atlanticus demonstrates robust revenue growth, driven by the Mercury Financial acquisition and a strategic pivot to credit cards. Read more on ATLC stock here.
Here is how Hamilton Insurance (HG) and Atlanticus Holdings Corporation (ATLC) have performed compared to their sector so far this year.
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +50.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on ATLC today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for ATLC. Explore sector supply chains on /butterfly.
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 → |
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 | — | — |
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.
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).
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.
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).
Why ATLC Stock dropped -4.78% Today — RQD Quant Desk Flash. Solid steady margins (20% return on capital), mixed timing at 12x P/E—hold if owned, no rush to chase.
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.
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.
| 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.
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.
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
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?
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
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
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.
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.
Atlanticus demonstrates robust revenue growth, driven by the Mercury Financial acquisition and a strategic pivot to credit cards. Read more on ATLC stock here.
Here is how Hamilton Insurance (HG) and Atlanticus Holdings Corporation (ATLC) have performed compared to their sector so far this year.
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.
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.
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.
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