ATLC Company Profile and Key Details

Q: Who are the executives of ATLC?

Mr. Kas NaderiChief Information Officer & Senior Vice President of Technology SystemsMr. David G. HannaExecutive ChairmanMr. Matt ZalubowskiSenior Vice President of MarketingMs. Rosalind DrakefordManaging Counsel, Chief Compliance Officer & Corporation Sec.Mr. David CarusoChief Commercial OfficerMs. Linda BrooksChief Technology OfficerMr. Jeffrey A. HowardPres, Chief Executive Officer & DirectorMr. William R. McCameyChief Financial OfficerMr. Mitchell C. SaundersChief Accounting Officer

NASDAQ : ATLC

Atlanticus

$51.45

-2.67-4.93%

At Close 4:00 PM

63.21

BESG ScoreESG Rating

Profile Key Stats Analyst Ratings Ownership Ratios Financials Dividend & splits Sentiment Forecast

Price Chart

Stock Price Today

Atlanticus Holdings Corporation (ATLC) stock declined over -4.93%, trading at $51.45 on NASDAQ, down from the previous close of $54.12. The stock opened at $54.03, fluctuating between $51.04 and $54.03 in the recent session.

Stock Snapshot

54.12

Prev. Close

779.03M

Market Cap

51.04

Day Low

9.14

P/E Ratio

5.63

EPS (TTM)

31.18

Cash Flow per Share

54.03

Open

15.14M

Number of Shares

54.03

Day High

61.47%

Free Float in %

29.76

Book Value

54.8K

Volume

Relevant Articles

SEC Fillings

Current Report (8-k)

Filing Date	Accepted Date

Annual Report (10-k)

Filing Date	Accepted Date

Stock Price History Chart

Date	Open	High	Low	Close	Volume
Feb 05, 2026	54.03	54.03	51.04	51.45	55.43K
Feb 04, 2026	52.99	54.74	52.28	54.12	67.52K
Feb 03, 2026	52.40	53.41	50.90	52.67	82.46K
Feb 02, 2026	51.94	53.38	51.45	52.56	53.05K
Jan 30, 2026	50.38	52.84	50.13	51.63	51.77K
Jan 29, 2026	50.83	51.57	50.13	50.55	57.68K
Jan 28, 2026	53.71	54.43	50.62	50.62	57.33K
Jan 27, 2026	56.76	56.76	53.22	53.33	61.51K
Jan 26, 2026	57.07	58.30	56.28	56.28	41.26K
Jan 23, 2026	60.26	60.97	55.59	57.01	163.63K
Jan 22, 2026	59.96	61.54	59.96	60.70	27.25K
Jan 21, 2026	57.73	60.04	57.65	59.99	79.87K
Jan 20, 2026	59.34	60.37	57.06	57.33	151.46K
Jan 16, 2026	60.37	61.67	60.31	60.82	42.86K
Jan 15, 2026	60.13	61.81	59.51	60.72	54.41K
Jan 14, 2026	59.48	60.70	58.86	60.56	72.4K
Jan 13, 2026	59.72	61.00	58.30	59.77	62.26K
Jan 12, 2026	62.12	62.63	59.22	59.72	108.56K
Jan 09, 2026	66.30	67.76	64.98	66.00	52.64K
Jan 08, 2026	67.95	68.50	64.87	66.30	90.69K

Contact Details

Atlanta, GA 30328

United States

https://www.atlanticus.com 770 828 2000

About Company

Atlanticus Holdings Corporation provides credit and related financial services and products to customers the United States. It operates in two segments, Credit as a Service, and Auto Finance. The Credit as a Service segment originates a range of consumer loan products, such as private label and general purpose credit cards originated by lenders through various channels, including retail and healthcare, direct mail solicitation, digital marketing, and partnerships with third parties; and offers credit to their customers for the purchase of various goods and services, including consumer electronics, furniture, elective medical procedures, healthcare, educational services, and home-improvements by partnering with retailers and service providers. In addition, it offers loan servicing, such as risk management and customer service outsourcing for third parties; and engages in testing and investment activities in consumer finance technology platforms. The Auto Finance segment purchases and/or services loans secured by automobiles from or for a pre-qualified network of independent automotive dealers and automotive finance companies in the buy-here, pay-here, and used car business. This segment also provides floor plan financing and installment lending products. Further, the company invests in and services portfolios of credit card receivables. Atlanticus Holdings Corporation was founded in 1996 and is headquartered in Atlanta, Georgia.

Stock Peers

CACC

-12.19-2.40%

Credit Acceptance Corporation$495.07 FCFS

5.73+3.33%

FirstCash Holdings, Inc$177.65 WRLD

0.34+0.29%

World Acceptance Corporation$118.70 SLMBP

SLM Corporation$74.50 SEZL

-1.6-2.62%

Sezzle Inc.$59.52 PYPL

-1.13-2.75%

PayPal Holdings, Inc.$39.90 UPST

-3.3-8.70%

Upstart Holdings, Inc.$34.62 SLM

-0.95-3.41%

SLM Corporation$26.90 ATLCZ

0.03+0.12%

Atlanticus Holdings Corporation 9.25% Senior Notes due 2029$25.51 RWAYZ

0.005+0.02%

Runway Growth Finance Corp. 8.00% Notes due 2027$25.41

Company Overview

Atlanticus Holdings Corporation (NASDAQ:ATLC) closed at $51.45 USD, losing -$2.67 (-4.93%) from the previous close of $54.12. The stock is currently mid-range between its 52-week high and low $41.37 and $78.91. With a market capitalization of about $779.03 million, Atlanticus Holdings Corporation is classified as a small-cap and shows higher-than-market volatility (beta ~1.96). Key stats such as the average daily volume over the past year has been around 74.61 thousand shares, in line with its 52-week average. Headquartered in Atlanta, GA, Atlanticus Holdings Corporation operates in the Financial Services sector and the Financial - Credit Services industry. Led by CEO Jeffrey A. Howard, the company employs approximately 417 people and listed since April 23, 1999. Atlanticus Holdings Corporation provides credit and related financial services and products to customers the United States.

Technical Performance

Short-term trend indicators are mixed aligned (SMA20 -9.9%, SMA50 -16.2%, SMA200 -10.95%). The stock’s 14-day RSI is 33.79 (weak momentum), while the ATR of 2.83 points to higher daily volatility. The stock remains sitting in the mid-range of its 52-week band, trading -34.8% below its high and over 24.37% above its low. Average 10-day trading volume of 60.84 thousand shares is below the 3-month average of 73.66 thousand, indicating normal recent market interest.

Valuation Metrics

Atlanticus Holdings Corporation trades at a P/E ratio of 6.64, slightly below the S&P 500 average, with a price-to-sales ratio of 1.33 and a price-to-book ratio of 1.33 suggesting the stock is closer to book value. The P/FCF stands at 1.61, also below market averages.

Dividend & Fair Value

Atlanticus Holdings Corporation last paid a dividend of 0 per share, Dividend and splits history remains an important factor for investors monitoring long-term returns. A discounted cash flow model estimates fair value at around $106.23. This means the shares are trading below this model’s fair value.

Earnings & Analyst Outlook

Atlanticus Holdings Corporation generated EPS of $5.63 over the past year. Five-year average earnings growth is 23.59%. Wall Street analysts project EPS growth of 36.22% annually over the next five years. The latest quarter delivered EPS of $1.48. The next quarter is forecast at $1.62. Next year's EPS is expected at $30.26. Analyst sentiment is bullish. Analyst rating data shows there are 7 Strong Buy ratings, 4 Buy ratings, 1 Hold ratings, 0 Sell rating and 0 Strong Sell ratings. Price targets range from $105.00 to $52.00. The high target offers 104.08% upside. The low target suggests 1.07% downside. The mean target is $84.08. This offers 63.42% upside. Atlanticus Holdings Corporation earnings surprise history is a consistent trend of beating forecasts. The quarter that ended November 10, 2025, missed forecasts by 10.45%. The prior quarter beat by 16.15%. Over the last six quarters, Apple has recorded several small beats. These include 13.79% in August 08, 2024.

Shareholding & Insider Activity

Atlanticus Holdings Corporation has 15.14 million shares outstanding. The public float is 5.28 million shares, elevated short interest at 26.62% of float. This equals 474.44 thousand shares. The short ratio is 7.16 days. Institutional investors hold 66.16% of the float. Insiders own 64.8%. JPMORGAN CHASE & CO holds 1.67 million shares, Howard Jeffrey A. has 380.57 thousand shares and HANNA DAVID G has 325.00 thousand shares. Over the past six months, insider transactions show net selling. They sold 3.68 thousand shares across 2 transactions.

Financial & Profitability Overview

Over the trailing twelve months, Atlanticus generated $1.16B in revenue, or $61.22 per share. Gross margin was 91.07%, operating margin 20.77%, and net profit margin 8.90%. Returns are modest, with ROA at 3.80% and ROE at 23.66%.
On valuation metrics, Atlanticus trades at a P/E of 6.64, P/S of 1.33 and P/B of 1.33. The current ratio is 1.68 and quick ratio is 1.68. Operationally, the company’s inventory turnover is 0.00 and cash conversion cycle is -397.49 days , indicating it collects cash faster than it pays suppliers. Debt-to-equity is 10.28, supported by a cash flow-to-debt ratio of 0.08.

Quarterly Financial Highlights

For the quarter ended Dec 31, 2023, Atlanticus posted revenue of $1.16B, down slightly from $350.13M in the prior quarter. Gross profit was $1.05B (margin 91.07%). Operating income was $240.05M (margin 20.8%). Net income was$102.85M (EPS $5.35).
The company ended the quarter with $383.65M in cash and short-term investments, a total debt of $2.03B, and net debt of $1.64B. Total assets were $2.71B, with equity of $532.67M. Financials further reflected stability, with operating cash flow of $459.32M, free cash flow of $455.33M, and capital expenditures of - $3.99M.

Price Forecast & Outlook

Our AI price prediction model suggests that Atlanticus Holdings Corporation stock has strong potential for upside but may face short-term weakness followed by gains in the medium and long term. 2-Week Outlook: Projected decline of -12.67%, with price expected at $44.93 by February 19, 2026, within a range of $42.62 to $47.32 3-Month Outlook: Projected rise of 34.36%, reaching $69.13 by May 05, 2026, with a range of $62.66 to $76.08. 1-Year Outlook: Projected gain of 22.33%, with price at $62.94 by February 05, 2027, within a range of $59.84 to $65.89.

Key Takeaways

Atlanticus Holdings Corporation (NASDAQ:ATLC) shares are down -14.37% year-to-date currently trading near 52-week highs band. Short-term momentum has been positive over the last quarter, despite recent volatility. Valuation shows Atlanticus Holdings Corporation trading at a premium to the broader market with a P/E of 6.64. Analyst sentiment is cautious, with the majority of ratings in Market Outperform territory and a mean price target of $66.88, suggesting 29.99% upside. Our AI forecast model points to short-term weakness (-12.67% over two weeks), a medium-term rise (34.36% over three months), and a longer-term gain (22.33% over one year), with expected trading ranges indicating moderate volatility.

Frequently Asked Questions

What is the current Atlanticus Holdings Corporation (ATLC) stock price?

Atlanticus Holdings Corporation (NASDAQ: ATLC) stock price is $51.45 in the last trading session. During the trading session, ATLC stock reached the peak price of $54.03 while $51.04 was the lowest point it dropped to. The percentage change in ATLC stock occurred in the recent session was -4.93% while the dollar amount for the price change in ATLC stock was - $2.67.

ATLC's industry and sector of operation?

The NASDAQ listed ATLC is part of Financial - Credit Services industry that operates in the broader Financial Services sector. Atlanticus Holdings Corporation designs, manufactures, and markets smartphones, personal computers, tablets, wearables, and accessories worldwide.

Who are the executives of ATLC?

Mr. Kas Naderi
Chief Information Officer & Senior Vice President of Technology Systems
Mr. David G. Hanna
Executive Chairman
Mr. Matt Zalubowski
Senior Vice President of Marketing
Ms. Rosalind Drakeford
Managing Counsel, Chief Compliance Officer & Corporation Sec.
Mr. David Caruso
Chief Commercial Officer
Ms. Linda Brooks
Chief Technology Officer
Mr. Jeffrey A. Howard
Pres, Chief Executive Officer & Director
Mr. William R. McCamey
Chief Financial Officer
Mr. Mitchell C. Saunders
Chief Accounting Officer

How ATLC did perform over past 52-week?

ATLC's closing price is 24.36% higher than its 52-week low of $41.37 where as its distance from 52-week high of $78.91 is -34.8%.

How many employees does ATLC have?

Number of ATLC employees currently stands at 417.

Link for ATLC official website?

Official Website of ATLC is: https://www.atlanticus.com

How do I contact ATLC?

ATLC could be contacted at phone 770 828 2000 and can also be accessed through its website. ATLC operates from Five Concourse Parkway, Atlanta, GA 30328, United States.

How many shares of ATLC are traded daily?

ATLC stock volume for the day was 54.8K shares. The average number of ATLC shares traded daily for last 3 months was 74.61K.

What is the market cap of ATLC currently?

The market value of ATLC currently stands at $779.03M with its latest stock price at $51.45 and 15.14M of its shares outstanding.

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Employees	417
Beta	1.95
Sales or Revenue	$1.16B
5Y Sales Change%	5.981%
Fiscal Year Ends	December
Sector	Financial Services
Industry	Financial - Credit Services

ATLC Company Profile and Key Details

Atlanticus

Price Chart

Stock Price Today

Stock Snapshot

Relevant Articles

SEC Fillings

Current Report (8-k)

Annual Report (10-k)

Stock Price History Chart

Contact Details

About Company

Company Information

Stock Peers

Company Overview

Technical Performance

Valuation Metrics

Dividend & Fair Value

Earnings & Analyst Outlook

Shareholding & Insider Activity

Financial & Profitability Overview

Quarterly Financial Highlights

Price Forecast & Outlook

Key Takeaways

Frequently Asked Questions

Technical Performance

Financial & Profitability Overview

Quarterly Financial Highlights

Shareholding & Insider Activity

Earnings & Analyst Outlook

Dividend & Fair Value

Price Forecast & Outlook

Key Takeaways

Company Overview

Valuation Metrics