Should I Buy ATLC? ATLC 2026 Analysis

Should You Buy Atlanticus Holdings Corp (ATLC) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Buy

Latest Price

55.690

1 Day change

8.24%

52 Week Range

78.910

Analysis Updated At

2026/02/04

Should I buy Analysis is updated weekly. For real time "Should I Buy" analysis, please sign up to get free answers.

ATLC is a buy right now: price (~52.67 pre-market) is sitting close to support (S1 ~51.04), with oversold-leaning momentum that often sets up a rebound.
Upside skew is attractive: recent Street targets ($90–$100) imply meaningful upside versus the current price, and sentiment from analysts is clearly positive.
Near-term setup favors a bounce rather than a clean trend-following entry (trend/momentum still weak), so this is a value/mean-reversion buy more than a breakout buy.
Intellectia Proprietary Trading Signals
AI Stock Picker: no signal on given stock today.
SwingMax: No signal on given stock recently.

Technical Analysis

Trend/Momentum: MACD histogram is negative (-0.818) and still below zero (bearish), though “negatively contracting” suggests downside momentum is easing.
RSI (6): 33.887 (weak/near-oversold zone), consistent with a potential short-term rebound setup rather than a strong downtrend continuation.
Moving averages: converging MAs point to consolidation/transition—price likely deciding between support-hold bounce vs. breakdown.
Key levels:
- Support: S1 ~51.04, then S2 ~48.35
- Resistance: Pivot ~55.40, then R1 ~59.76
- With price ~52.67, the stock is below pivot (bearish bias) but close to support, which is a better buy location for an impatient entry.
Pattern-based odds provided: modeled outcomes lean modestly positive (about +1.18% next week; +5.93% next month), supporting a buy-for-bounce thesis.

Positive Catalysts

- Refinancing/structure improvement: Citizens cited refinancing of a securitization facility as a driver of incremental earnings upside.

Neutral/Negative Catalysts

- Technical pressure remains: MACD still below zero and price below pivot (~55.40), so trend-following buyers don’t have confirmation yet.
- Profitability/margins mixed: despite strong revenue growth, EPS and net income were down YoY and gross margin compressed.
- No fresh news flow this week: fewer near-term headlines to force an immediate rerating before earnings.

Financial Performance

Latest reported quarter: 2025/Q3
Revenue: $178.8M, +49.73% YoY (strong top-line expansion).
Net income: $22.67M, -2.40% YoY (slightly down despite revenue surge).
EPS: 1.21, -4.72% YoY (profit growth not keeping pace with revenue).
Gross margin: 57.79%, -10.29% YoY (notable compression; key item to watch next report).
Overall: growth is strong, but the quality of growth (margins/earnings leverage) is the main swing factor into the next quarter.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

Recent trend is constructively bullish: an Outperform was maintained while the price target rose (Citizens $95→$100), and coverage was resumed with a Buy and $90 target (B. Riley).
Wall Street “pros” view (from provided notes):
- Pros: scalable fintech platform targeting underbanked consumers; multiple origination verticals; potential upside from acquisitions and improving consumer environment.
- Cons: implied by financials—earnings/margins have not expanded with revenue; execution on profitability is the key debate.
Trading influence checks:
- Hedge funds: Neutral (no notable trend last quarter).
- Insiders: Neutral (no notable trend last month).
- Congress trading (90 days): No recent congress trading data available.

3 Analyst Rating

Wall Street analysts forecast ATLC stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for ATLC is 98.33 USD with a low forecast of 90 USD and a high forecast of 105 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

3 Buy

0 Hold

0 Sell

Strong Buy

Current: 51.450

Low

Averages

98.33

High

105

Current: 51.450

Low

Averages

98.33

High

105

B. Riley

NULL

Buy

initiated

$90

AI Analysis

2026-01-07

Reason

B. Riley

Price Target

$90

AI Analysis

2026-01-07

initiated

NULL

Buy

Reason

B. Riley resumed coverage of Atlanticus with a Buy rating and $90 price target. The company's fintech platform and go-to-market strategy target underbanked consumers across credit cards, POS, healthcare, and auto financing, with a $6B portfolio and potential to consolidate the $1T annual origination market, the analyst tells investors in a research note. The firm sees additional upside from recent acquisitions and a more favorable 2026 consumer environment.

Citizens

Outperform

maintain

$95 -> $100

2025-12-11

Reason

Citizens

Price Target

$95 -> $100

2025-12-11

maintain

Outperform

Reason

Citizens raised the firm's price target on Atlanticus to $100 from $95 and keeps an Outperform rating on the shares. Atlanticus announced Wednesday that it refinanced one of its acquired Mercury securitization facilities, which should drive incremental earnings upside, the analyst tells investors in a research note.

Unlock Full Analyst Thesis， Get the complete breakdown of rating reason for ATLC

Unlock Now

ATLC Should I Buy

ATLC Should I Buy

Should You Buy Atlanticus Holdings Corp (ATLC) Today? Analysis, Price Targets, and 2026 Outlook.

Technical Analysis

Positive Catalysts

Neutral/Negative Catalysts

Financial Performance

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

People Also Watch