Atlanticus Holdings Corp (ATLC) Stock Forecast Oct. 16, 2026
Analysis updated on Oct. 16, 2026 (UTC) · Total · absolute moveSwitch to Alpha · Nasdaq
Atlanticus Holdings Corp (ATLC) stock forecast summary
On Oct. 16, 2026, ATLC is rated Neutral: its 90-day Total forecast sits in the middle 30% of the 5172 stocks scored that day.
Atlanticus Holdings Corp is a small-cap company with a market capitalization of $1.40B. It ranks number 9 by market capitalization among the 11 Personal Credit Institutions issuers in our coverage with a current forecast. Its Net Margin of 5.8% is the lowest of the 10 peers that report one.
For ATLC, the Spearman rank correlation between our 90-day forecasts and the returns that followed is 44.0%, measured on 357 forecast dates between 2022-07-29 and 2026-07-17 on this stock's own recent history. A rank correlation runs from -100% to +100%: it measures whether higher forecasts were followed by higher returns, and a value near zero or below means the model has shown little skill on this stock. On the 30-day forecasts the same correlation is 21.0%, measured on 400 forecast dates between 2022-07-29 and 2026-09-16. Across our coverage, the out-of-sample test on 4495 stocks from 2025-01-06 to 2026-07-07 produced a positive net return in 82.5% of rebalance periods (factor-neutral book, net of estimated costs). Full backtest report
Expected absolute price move over the horizon, market included. This is the number a price target is built from. Ratings: strong buy ≥ +5.0%, buy ≥ +3.4%, sell < +1.8%, strong sell < +0.8% (top 15%, next 20%, middle 30%, next 20%, bottom 15% of the 2026-10-16 signals)
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How ATLC ranks among 5172 stocks
90D Total forecasts of every company scored, cut into five relative ratings at the 15th, 35th, 65th and 85th percentiles (dashed lines).
Atlanticus Holdings Corp (ATLC) fundamentals
Trailing twelve months. The industry median and the rank (1 = highest) are taken over the Personal Credit Institutions peers listed below that report each metric.
Valuation & Market
| Metric | ATLC | Rank |
|---|---|---|
| Market Cap | $1.40B | 9/11 |
| P/E Ratio | 11.97x | 5/11 |
| P/B Ratio | 1.99x | 4/10 |
| EPS | $7.69 | – |
| Book Value/Share | $46.27 | – |
| Revenue/Share | $174.88 | – |
Profitability & Margins
| Metric | ATLC | Rank |
|---|---|---|
| ROE | 21.9% | 5/10 |
| ROA | 2.1% | 8/10 |
| Gross Margin | 92.6% | – |
| Net Margin | 5.8% | 10/10 |
| EBT Margin | 7.7% | 11/11 |
| Tax Rate | 24.6% | – |
Financial Health
| Metric | ATLC | Rank |
|---|---|---|
| D/E Ratio | 9.62x | 2/10 |
| Financial Leverage | 10.67x | 2/10 |
Cash Flow
| Metric | ATLC | Rank |
|---|---|---|
| Operating Cash Flow | $937M | 6/11 |
| OCF Growth YoY | 87.7% | 1/9 |
Operational Efficiency
| Metric | ATLC | Rank |
|---|---|---|
| Asset Turnover | 0.35x | 3/10 |
| Fixed Assets Turnover | 244.1x | 1/10 |
Income Statement
| Metric | ATLC | Rank |
|---|---|---|
| Total Revenue | $2.65B | 5/11 |
| Net Income | $154M | 8/10 |
| Cost of Goods Sold | $197M | – |
Dividend & Shareholder Information
| Metric | ATLC | Rank |
|---|---|---|
| Shares Outstanding | 15M | – |
| Net Income Growth | 25.3% | 7/10 |
| EPS Growth | 35.1% | 8/11 |
Balance Sheet Highlights (USD millions)
| Cash & Short-term Investments | $555M | 7.4% of assets |
| Total Liabilities | $6.75B | 90.6% of assets |
ATLC quarterly financials and insider trading
Atlanticus Holdings Corp (ATLC) industry peers
Companies classified under the same SEC industry code as Atlanticus Holdings Corp (Personal Credit Institutions): 11 common-stock issuers with a forecast this week, one row per issuer, largest first. This is a classification match, not a curated list of competitors.
Reveal all forecasts · See exact % predictions for all competitors
Sign up free| Company | 90-Day AI Forecast (Total) | Market Cap |
|---|---|---|
| ATLC Atlanticus Holdings Corp | ▶ | $1.40B |
| AFRM Affirm Holdings, Inc. | ▲ | $24.97B |
| OMF Onemain Holdings, Inc. | ▶ | $6.58B |
| CACC Credit Acceptance Corp | ▲ | $5.62B |
| NNI Nelnet Inc | ▼ | $4.56B |
| ENVA Enova International, Inc. | ▲ | $4.43B |
| SLM Slm Corp | ▲ | $4.10B |
| BFH Bread Financial Holdings, Inc. | ▲ | $3.94B |
| HAPN Happen, Inc. | ▲ | $1.67B |
| WRLD World Acceptance Corp | ▶ | $800M |
| RM Regional Management Corp. | ▶ | $318M |
Where ATLC sits on the market map
Atlanticus Holdings Corp (ATLC) stock news
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Atlanticus Holdings Corp (ATLC) stock forecast FAQ
What is the Atlanticus Holdings Corp (ATLC) stock forecast?
On Oct. 16, 2026, ATLC is rated Neutral: its 90-day Total forecast sits in the middle 30% of the 5172 stocks scored that day.
How accurate are Atlanticus Holdings Corp stock predictions?
For ATLC, the Spearman rank correlation between our 90-day forecasts and the returns that followed is 44.0%, measured on 357 forecast dates between 2022-07-29 and 2026-07-17 on this stock's own recent history. A rank correlation runs from -100% to +100%: it measures whether higher forecasts were followed by higher returns, and a value near zero or below means the model has shown little skill on this stock. On the 30-day forecasts the same correlation is 21.0%, measured on 400 forecast dates between 2022-07-29 and 2026-09-16. Across our coverage, the out-of-sample test on 4495 stocks from 2025-01-06 to 2026-07-07 produced a positive net return in 82.5% of rebalance periods (factor-neutral book, net of estimated costs). Full backtest report
How often are Atlanticus Holdings Corp forecasts updated?
Atlanticus Holdings Corp forecasts are refreshed on trading days as the daily model run completes. The forecast on this page was produced on Oct. 16, 2026.
Which companies are Atlanticus Holdings Corp's industry peers?
11 issuers in our coverage, ATLC included, share the SEC industry code Personal Credit Institutions. The largest are: Affirm Holdings, Inc. (AFRM), Onemain Holdings, Inc. (OMF), Credit Acceptance Corp (CACC), Nelnet Inc (NNI), Enova International, Inc. (ENVA), Slm Corp (SLM).
This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.