Stock Ratings / Financials / ATLC / earnings

KEEL (33) SECZ (50) PWP (67) TRIN (40) ⌘ Pro Terminal →

Atlanticus Holdings Corporation (ATLC) Next Earnings Date & Expected ±8.6% Move

$98.15 +7.10% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $99.22

Atlanticus Holdings Corporation (ATLC) carries a Roarable Rating of C+ (Hold) with 68/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 68/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.8% avg 90D alpha vs SPY) →

ROARABLE C+ • HOLD / WATCH Cap $1.49B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $99.22 (+1.09%)🧬 Cannibal Buyback (-1.52% YoY Shares)⚙️ Cash Engine: 17/20 (A-) • 32.4% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 68/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.8% avg 90D alpha vs SPY • 56.9% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B- · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+4.5% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for ATLC)Realized 20D OHLCV Swing Band: ±8.6%

Deterministic 5-Pillar Attribution (68/100 Composite)

🔍 WHY ATLC SCORES 68/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Cash Engine Quality+17/20 pts (25% of score)

SEC XBRL FY 2025 (10-K): 32.4% FCF Margin ($638.0M FCF) & 52% Gross Margin

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (19% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 6/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning12/20 pts (-8 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-8 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$93.73-1.8% Next Q

Q2 (-2Q)

Grade C+$92.02-6.3% Next Q

Q3 (-1Q)

Grade C+$86.19+13.9% Next Q

Current

Grade C+$98.15+1.8% Hist 90D α

Trajectory: C (60) → C+ (68)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the ATLC Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 68/100 (C+) score, ATLC faces multiple-compression risk if 12.3x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.52% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($92.25) or 200D SMA ($80.40) invalidates the momentum regime and cuts Target Base ($102.57) toward Bear Floor ($80.00).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $ATLC• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “ATLC Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 68%NO 32%Trade / Inspect Odds →

NEXT EST. WINDOW: Dec 30, 2026 (~58 DAYS)

Historical OHLCV Volatility ±8.6% Swing Band

±$8.44 Expected Swing

MODEL EARNINGS SETUP GAUGE

ATLC Quantitative Pre-Earnings Setup: 68/100

Trailing EPS: $7.95 • YoY Revenue Growth: 50.1%

Model Bullish Setup (68/100)Model Risk Weight (32/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2025-12-31	$1.97B	$120.6M	$638.0M	52%
FY 2024	2024-12-31	$1.31B	$110.1M	$469.4M	52%
FY 2023	2023-12-31	$1.16B	$102.0M	$459.3M	52%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating ATLC & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on ATLC
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

ATLC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +23.60%📐 HORIZONTAL RANGE

2026-10-30O $96.68H $98.15L $92.79C $98.15VOL 105.7K

RES: $118.2SUP: $84.04SMA50: $92.25SMA200: $80.40

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

ATLC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 ATLC Butterfly Map → + Track ATLC →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

3.0%/yr Implied 5Y Growth

vs. +50.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on ATLC today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for ATLC. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for ATLC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (ATLC)

Financials Rank #225 of 1096 ⚔️ KEEL vs ATLC Full Matrix →

1. Head-to-Head Financials Peer Comparison (ATLC vs. KEEL, SECZ, PWP, TRIN)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Atlanticus Holdings Corporation (ATLC) ranks #225 by composite RQD confidence (68/100, grade C+) and #491 by equity capitalization ($1.49B). Within this direct 5-issuer industry benchmark cohort, ATLC leads on earnings valuation at 12.3x trailing P/E, while PWP leads on capital efficiency and profitability with 55.7% ROIC and — gross margin. ATLC currently leads its immediate peer cohort in composite quantitative strength at 68/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
ATLC ACTIVE Atlanticus Holdings Corporation	C+	68/100	12.3x	—	19.8%	+7.10%	$1.49B	Benchmark Subject
KEEL Keel Infrastructure Corp.	E	33/100	—	—	-10.4%	-4.94%	$1.43B	/keel-vs-atlc →
SECZ Securitize Corp.	D	50/100	—	—	—	+1.20%	$1.38B	/secz-vs-atlc →
PWP Perella Weinberg Partners (Class A)	C+	67/100	28.4x	—	55.7%	+8.19%	$1.36B	/pwp-vs-atlc →
TRIN Trinity Capital Inc.	D-	40/100	—	—	—	+0.88%	$1.63B	/trin-vs-atlc →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001464343

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Atlanticus Holdings Corporation (ATLC) reported GAAP revenue of $1.97B (+50.1% vs. FY2024 revenue of $1.31B , and +70.3% cumulative change since FY2023) , GAAP net income of $120.6M, operating cash flow of $638.0M, and free cash flow of $638.0M (+35.9% YoY). On the balance sheet, ATLC closed FY2025 with $7.62B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$1.97B	$120.6M	$638.0M	$638.0M	$7.62B	—
FY2024 (FY)	2024-12-31	$1.31B	$110.1M	$469.4M	$469.4M	$3.27B	—
FY2023 (FY)	2023-12-31	$1.16B	$102.0M	$459.3M	$459.3M	—	—

3. ATLC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is ATLC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Atlanticus Holdings Corporation (NASDAQ: ATLC) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 68/100 at a spot price of $98.15 (+7.10% 1D, market cap $1.49B). Pillar breakdown: Fundamental Cash Engine 17/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 13/20. Across 1096 tracked Financials issuers, ATLC ranks #225 in composite RQD confidence.

How does ATLC compare to KEEL and SECZ in the Financials sector?

Within the Financials sector (Finance: Consumer Services), ATLC carries a Roarable C+ (68/100 RQD), trailing P/E of 12.3x, gross margin of —, and ROIC of 19.8%. By comparison, KEEL (Keel Infrastructure Corp.) holds a E grade (33/100 RQD, P/E N/A, ROIC -10.4%, cap $1.43B) and SECZ (Securitize Corp.) posts a D grade (50/100 RQD, P/E N/A, ROIC —, cap $1.38B). Among the 5-stock peer group, ATLC leads on earnings multiple (12.3x) while PWP leads on capital efficiency (55.7% ROIC).

What are the biggest fundamental strengths and SEC risk factors for ATLC?

Per ATLC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001464343), Atlanticus Holdings Corporation generated $1.97B in revenue (+50.1% YoY), $120.6M in net income, and $638.0M in free cash flow against $7.62B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is ATLC trading relative to its 50-day, 200-day, and 52-week technical levels?

ATLC last traded at $98.15 (+7.10% on volume of 111,745 shares), positioning the stock +6.40% above its 50-day simple moving average ($92.25) and +22.08% above its 200-day simple moving average ($80.40). Across its 52-week range of $47.50 to $114.34, ATLC sits at the 75.8% percentile with a 14-day RSI of 52.4 (NEUTRAL RANGE) and an implied next-earnings move of ±8.6% ($89.71 to $106.59).

ATLC Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

When is ATLC's next earnings date?

Based on SEC filing cadence, Atlanticus Holdings Corporation (ATLC)'s next quarterly reporting window is estimated around Dec 30, 2026.

How much is ATLC stock expected to move on earnings?

Volatility modeling currently projects a ±8.6% event move for ATLC, spanning a range between $89.71 and $106.59.

Direct Sub-Reports: ATLC RQD Cockpit ATLC 12M Forecast ATLC Earnings & Move ATLC Dividends & DRIP ATLC Insiders & 13F ATLC Whale Options ATLC Profit Sankey ATLC News & Why