QualityDipStocks / Finance · Consumer finance
Atlanticus ATLC
Outside our quality screen, so we don’t track its dips. It’s 17% below its 52-week high.
Outside our quality screen, 15% over its Market Value. No fair value estimate for now: its share count is unclear.
- Fair value est.
- n/a
- Market Value
- $81.10price +15%
- Off 52-wk high
- −17%
- Risk vs market
- Highbeta 1.56
52-week range 71% of the way from its 52-week low to its high
Price $93.13Market Value $81.10
3 bullish · 3 bearish See why
Valuation
What we estimate it's worth, and how it ranks on value vs every stock we cover.
Fair value estimate
No estimate for ATLC: SEC share count doesn't match the listed shares (share class / ADR ratio unclear). We’d rather show nothing than a made-up number.
Risk vs market
How risk vs market is measured
One year of daily returns (Oct 31 to Nov 2, 252 sessions). Beta = how much ATLC moved for each 1% move in the S&P 500 (SPY); 1.0 moves with the market. Volatility is the yearly standard deviation of daily returns. Past behavior, not a forecast.
Swings much more than the market, and its own price swings are 4.1× the S&P 500’s.
- Beta vs S&P 500
- 1.56
- Volatility
- 52% vs 13% SPY
- Correlation SPY
- 0.38
- Correlation QQQ
- 0.29
Valuation details
MV $81.10
Fundamentals
The business itself: sales, profits, cash and debt, from SEC filings.
Bull vs bear
Rule-based from the data on this page, strongest first. Not advice.
Top bullish points 3 of 5
ValuationP/E of 9.7× vs a 13.3× median for the 364 Finance companies we cover.
GrowthDiluted EPS grew 25% to $5.96 in FY2025.
ProfitabilityReturn on equity of 23% over the last 12 months.
Top bearish points 3 of 5
ValuationPrice / book of 2.0×, above the 1.6× median for the 368 Finance companies we cover.
ValuationTrades 14.8% above its Market Value of $81.10, the average price paid since the Sep 17 filing.
RiskSwings hard: beta 1.56 vs the S&P 500 and 52% yearly volatility (SPY 13%).
All fundamentals
P/E 9.7 · ROE 23%
Valuation
- P/E
- 9.7×Finance median 13.3×
- Price / FCF
- n/acash flow isn't a clean measure for a lender
- FCF yield
- n/acash flow isn't a clean measure for a lender
- EV / EBITDA
- n/anot meaningful for a lender
- Price / sales
- n/anot reported in its SEC filings
- Price / book
- 1.99×
- Market cap
- $1.4Blisted
- Enterprise value
- n/anot reported in its SEC filings
Growth
- Revenue, 12 months
- n/anot reported in its SEC filings
- Sales growth, 12 months
- n/ano year-ago 12-month revenue
- Sales growth, 3 yrs
- n/anot reported in its SEC filings
- Diluted EPS, 12 months
- $7.70
- EPS growth, last FY
- +24.9%
- Net income, 12 months
- $145M
- Net income growth
- +37%12 months vs before
Profitability
- Gross margin
- n/anot meaningful for a lender
- Operating margin
- n/anot reported in its SEC filings
- Net margin
- n/anot reported in its SEC filings
- FCF margin
- n/anot reported in its SEC filings
- Return on equity
- 23%
- Return on invested capital
- n/anot meaningful for a lender
Balance sheet
- Cash & short-term inv.
- $555M
- Total debt
- n/anot reported in its SEC filings
- Net cash
- n/anot meaningful for a lender
- Debt / equity
- n/adeposits/float make debt/equity not comparable for a lender
- Interest coverage
- n/anot meaningful for a lender
Cash flow & returns
- Free cash flow, 12 months
- n/anot reported in its SEC filings
- FCF growth, 12 months
- n/anot reported in its SEC filings
- Dividend yield
- 0%
- Payout ratio
- n/anot reported in its SEC filings
- Buybacks, 12 months
- $20M1.4% of market cap
- Share count, 1 year
- −0.1%diluted shares vs a year ago
- Stock-based comp
- $7M
Trailing 12 months to Jun 30, 2026; balance sheet at Jun 30, 2026. From Atlanticus’s SEC filings. Sparklines show up to six fiscal years. n/a means we don’t hold that number, with the reason. How each is computed.
The business
Sales +83%
- Return on equity23%
- Sales growth (latest quarter vs year-ago quarter)+83%
Chart & levels
Where the price is vs its key levels and trends.
Key levels
Every level vs today’s $93.13
- 52-wk lowlowest close, 1 year$47.96−48.5%
- Market Valueavg paid since Sep 17$81.10−12.9%
- PriceMon Nov 2 close$93.13you are here
- 52-wk highhighest close, 1 year$111.79+20.0%
Momentum & 52-week range
RSI 52 · 5 days +6.6%
Signals
Reversal signal setups, the public ledger and the next earnings date.
Setup & signals
No setup armed
No setup armed, so there’s no trigger or stop to track yet. Reversal signal rules only run on companies that pass our quality screen.
Next report
Nov 5
- DateThu Nov 5, after the close
- Consensus EPS$2.86
- Year-ago EPS$1.48
- QuarterSep/2026
From Nasdaq’s earnings calendar. A report resets Market Value.
ATLC is outside our quality screen
One text when a published rule fires on one of the 332 quality companies we track: the ticker, the price, the stop and a link to the numbers. Nothing else.
Voices & buzz
Who is talking about it, and how it compares with peers.
Who’s talking about it
Notable investors, executives, analysts and public figures on Atlanticus in the last 48 hours. Headlines as published, each linked. Their words, not ours.
No notable mentions in the last 48 hours. Checked Nov 3, 5:14 PM ET.
Compare with peers
Closest in size in Consumer finance
Information only, not investment advice. Fair value estimates and talking points are rule-based model output from public data and can be wrong; stop levels are reference points, not orders. How every number is computed.