ATLC
BuyPremium GrowerAI neutralAtlanticus Holdings Corporation · Financial Services · United States · $1.3B cap · $9.8M/day traded
$86.19 -5.8% · close 23 Oct · scored 24 Oct
StockRank down 4.7 since 23 Oct: Momentum down 5 after a 6% price fall.
Premium Grower: Strong business with the market behind it, priced at a premium.
Report expected 9 Nov: the next-year EPS estimate has risen 1.9% over the last 14 weeks.
As of 24 Oct 2026, MoatMap's StockRank for Atlanticus Holdings Corporation (ATLC) is 78/100, ranked against 24,000+ stocks in 35 markets (Quality 58, Value 48, Momentum 67, each scored against its sector).
Does StockRank work? Each month we publish how every decile did, whichever way it went. See the record →
Atlanticus provides credit cards and point-of-sale financing to US consumers with lower credit scores through bank partners. It reported record profits in Q2 2026, has sold its auto finance unit and is buying back shares. But its customers are the ones most squeezed by high fuel and food costs, and subprime lending is exposed to rising credit losses.
The ranks quoted here are from the day it was written; today's Quality, Value and Momentum are the bars above.
ABOUT ATLANTICUS HOLDINGS CORPORATION
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Atlanticus Holdings Corporation provides credit and related financial services to underserved consumers through its Fortiva Retail Credit and Reflections brands. The company specializes in subprime and near-prime lending, a segment often overlooked by traditional banks, utilizing proprietary analytics for credit assessment. It stands as a niche player in consumer finance, targeting individuals with less-than-perfect credit histories.
FINANCIAL SUMMARY (USD)
| Year | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | 292.6M | 256.3M | 299.4M | 402.6M | 11.2% | 730.5M | 619.2M | 706.0M | 32.4% |
| EPS | 10.32 | 7.55 | 5.35 | 5.92 | 7.40 | -8.0% | 7.70 | 12.17 | — | 64.5% |
| Shares | — | 14.5M | 14.6M | 14.9M | 14.9M | +3.2% | 15.2M | — | — | — |
| Debt | — | 1.8B | 2.0B | 2.5B | 6.5B | 53.3% | 6.3B | — | — | — |
| Equity | — | 326.4M | 394.7M | 492.9M | 608.7M | 23.1% | — | — | — | — |
| Op CF | — | 347.6M | 459.3M | 469.4M | 638.0M | 22.4% | 937.0M | — | — | — |
| Inv CF | — | -682.3M | -672.2M | -747.0M | -1.5B | — | — | — | — | — |
| Fin CF | — | 261.3M | 163.3M | 393.6M | 1.1B | — | — | — | — | — |
No clear trend: not near its 52-week low, and not in a steady uptrend.
Swung more than 66% of stocks we rank over the past year (52% a year).
How this is worked out
StockRank judges the business. The price check reads only the chart: it is the price side of the Momentum score, in words.
The rules: Still falling is a new 52-week low in the last two weeks, at least 25% below the high. Finding a floor is no new low since. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average and within 15% of the high.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn like this one cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: day-to-day price moves over the past year, as a yearly figure, ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of ATLC are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| ATLC | Atlanticus Holdings Corporation(you) | $1.3B | 78 | Buy |
| JCAP | Jefferson Capital, Inc. | $1.2B | 83 | Strong Buy |
| ECPG | Encore Capital Group, Inc. | $2.1B | 82 | Strong Buy |
| GDOT | Green Dot Corporation | $704M | 70 | Buy |
| EZPW | EZCORP, Inc. | $1.8B | 62 | Hold |
| SEZL | Sezzle Inc. | $4.5B | 77 | Buy |
| WU | The Western Union Company | $2.0B | 59 | Hold |
| BFH | Bread Financial Holdings, Inc. | $3.8B | 69 | Buy |
| OPRT | Oportun Financial Corporation | $423M | 85 | Strong Buy |
| WRLD | World Acceptance Corporation | $778M | 58 | Hold |
Peer medians: ROE 9.6% · P/E 12.3x · Gross margin 100.0%
Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.