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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC XBRL FY 2025 (10-K): 32.4% FCF Margin ($638.0M FCF) & 52% Gross Margin
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 6/9
Put hedging (50% put share) caps near-term gamma upside (-8 pts vs max)
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.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-1.52% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
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).
Atlanticus Holdings Corporation (ATLC) surged +7.10% to $98.15, trading at 76% of its 52-week range ($47.5 – $114.34). Solid steady margins (20% return on capital), mixed timing at 12x P/E—hold if owned, no rush to chase.
The Bancorp (TBBK) delivered earnings and revenue surprises of -0.68% and +4.47%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
ATLANTA, Oct. 29, 2026 (GLOBE NEWSWIRE) -- Atlanticus Holdings Corporation (NASDAQ: ATLC) (“Atlanticus,” the “Company,” “we,” “our” or “us”), a financial technology company that enables its bank, retail and healthcare pa
Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +50.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on ATLC today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for ATLC. Explore sector supply chains on /butterfly.
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 → |
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 | — | — |
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.
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).
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.
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).
Why ATLC Stock surged +7.10% Today — RQD Quant Desk Flash. Solid steady margins (20% return on capital), mixed timing at 12x P/E—hold if owned, no rush to chase.