Stock AnalizAtlanticus Holdings Corp ATLC
Finance: Consumer Services · IPO 1995 · data as of November 13, 2026
Atlanticus Holdings Corp (ATLC) is a financial company listed in the US with a market value of about $1.3B. In the twelve months to September 30, 2026 it had revenue of $834M and net income of $224M, a net margin of 26.9%.
Its overall Stock Analiz score is 3.2 out of 5 (average). The strongest part is value (5/5); the weakest is financial health (2/5).
Key numbers: a P/E of 8.1, a price to free cash flow of 1.2, 5-year revenue growth of 28% a year, a 5-year average ROIC of 37%. A discounted cash flow model with moderate assumptions puts its intrinsic value about 316% above the current price.
Score: 3.2 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- Strong R&D investment or growth above 20%
Checks not passed
- Profit margin improving
- 3-year free cash flow growth above 10% a year
- 5-year EPS growth above 10% a year
- More cash than debt, or low debt to equity
- Interest covered more than 5 times
- Liabilities below 60% of assets
- Pays a dividend
- 20% to 100% of free cash flow returned to shareholders
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $834M | $2.0B | $1.3B | $1.2B | $1.0B | $748M | $563M | $322M | $167M | $93M | $76M |
| Net income | $224M | $122M | $111M | $103M | $136M | $178M | $94M | $26M | $8M | -$41M | -$6M |
| Free cash flow | $1.1B | — | — | — | — | — | $212M | $100M | $41M | -$27M | $39M |
| EPS (diluted) | $11.35 | $5.96 | $4.77 | $4.24 | $5.83 | $7.56 | $3.95 | $1.66 | $0.56 | $-2.93 | $-0.46 |
| Net margin | 26.9% | 6.2% | 8.5% | 8.9% | 13.0% | 23.8% | 16.7% | 8.2% | 4.7% | -43.6% | -8.3% |
| ROIC | — | 26.2% | 29.7% | 33.7% | 42.5% | 50.8% | 149.6% | 8.8% | 7.8% | -7.3% | 2.1% |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 5 analysts is $126.20, 51% above the current price; targets range from $117.00 to $150.00; the consensus rating is “Strong buy”; expected EPS is $10.83 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Atlanticus Holdings’s P/E ratio?
About 8.1, based on the last twelve months of diluted earnings per share (forward P/E about 6.7).
Is Atlanticus Holdings stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 316% above the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Atlanticus Holdings pay a dividend?
Not currently.
Is Atlanticus Holdings a good stock to buy?
We do not give buy or sell advice. Atlanticus Holdings scores 3.2 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.