Stock Ratings / Financials / ATLC / options

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

Atlanticus Holdings Corporation (ATLC) Options Positioning, Max Pain & Unusual Sweeps

$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 →

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±8.6%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (ATLC)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for ATLC.

Sponsored / Partner SpotlightACTIVE TRADER & PROP EVALUATION DESK

Practice in Our Weekly $100,000 Paper Arena Before Risking Personal Capital

Keep your personal nest egg in cash while trading NQ, ES, Crude, and Gold momentum using institutional prop-desk buying power.

FTC Disclosure: Roarable may receive partner referral compensation at no cost to you. Partner relationships never influence RQD scores.

🏆 Enter Free $100K Paper Arena →

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

What is ATLC's options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for ATLC.

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