Atlanticus Holdings Corp. (ATLC)

NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-11-04

$99.75+7.85%

Close 2026-11-04 · 1-day change

Investment OutlookAs of Nov 4, 2026

What could strengthen or challenge Atlanticus Holdings Corp.’s outlook?

The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.

Higher potential upsideImproving expectations

Next-FY EPS estimate change · 30 days

+1.3%

+10% or more+5%0%−5%−10% or less

12.97 → 13.14 EPS · FY ending Dec 31, 2027 · 3 analysts

Higher risk of downsideWeakening expectations

One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.

How this is measured

Change in the same fiscal period’s mean EPS estimate from Oct 5, 2026 to Nov 4, 2026: (new ÷ prior − 1). Contributor count changed from 3 to 3; this is not the number of analysts revising. The ±10% axis is a display range.

Price, analyst earnings & P/E reference

The EPS and P/E reference is not available for ATLC yet.

Measure / period	Management expectations	Analyst expectations

Management figures unavailable.

Current consensus figures unavailable.

What the Thesis Depends On

Three published thesis conditions, with dated milestones shown separately.

Key Factor	Why It Matters	Current Status	Break Condition	Latest Evidence
effective use of capital including $400M buyback	A supporting condition in Atlanticus Holdings Corp.'s published investment case. The stated target is Maintain or increase buyback activity.	Intact	Buyback program is reduced or halted	Qualitative condition This condition has no defined numerical measure. Nov 4, 2026Last status assessment Nov 4, 2026Compare required operating outcomes Compare scope, accounting basis and period before treating this evidence as progress against an annual requirement.
maintain profit margins supporting EPS near $9.63 in FY26	Profit margins and cash flow remain robust.	Intact	EPS falls below $8.00 in FY26	Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Date unavailableLast status assessment Nov 4, 2026Compare required operating outcomes Compare scope, accounting basis and period before treating this evidence as progress against an annual requirement.
annual revenue growth near 29%	A primary condition in Atlanticus Holdings Corp.'s published investment case. The stated target is >=29% YoY revenue growth.	Intact	YoY revenue growth falls below 20% next year	Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Date unavailableLast status assessment Nov 4, 2026Compare required operating outcomes Compare scope, accounting basis and period before treating this evidence as progress against an annual requirement.

Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.

Incoming Evidence

Compare these dated observations with the operating requirements above

Expectations trend

Same fiscal period

FY2027 · fiscal year ending 2027-12-31 · fmp

FY2027 EPS$13.14

$13.35 → $13.14 · observed estimates

FY2027 revenue$3.42B

$3.37B → $3.42B · observed estimates

Exact estimates & source dates

One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.

FY2027 estimate observations · fmp
Snapshot	EPS	Revenue	EPS / revenue analysts
2026-07-24	$13.35	$3,370,357,800	4 / 5
2026-07-25	$13.35	$3,370,357,800	4 / 5
2026-07-26	$13.35	$3,370,357,800	4 / 5
2026-07-27	$13.02	$3,352,945,260	3 / 3
2026-07-28	$13.35	$3,370,357,800	4 / 5
2026-07-29	$13.35	$3,370,357,800	4 / 5
2026-07-30	$13.35	$3,370,357,800	4 / 5
2026-07-31	$13.35	$3,370,357,800	4 / 5
2026-08-01	$13.35	$3,370,357,800	4 / 5
2026-08-02	$13.35	$3,370,357,800	4 / 5
2026-08-03	$13.35	$3,370,357,800	4 / 5
2026-08-04	$13.35	$3,370,357,800	4 / 5
2026-08-05	$13.35	$3,370,357,800	4 / 5
2026-08-06	$13.35	$3,370,357,800	4 / 5
2026-08-07	$13.02	$3,352,945,260	3 / 3
2026-08-08	$13.25	$3,365,832,000	4 / 5
2026-08-09	$13.25	$3,365,832,000	4 / 5
2026-08-10	$13.25	$3,365,832,000	4 / 5
2026-08-11	$13.39	$3,382,520,750	3 / 4
2026-08-12	$13.39	$3,382,893,750	3 / 4
2026-08-13	$13.39	$3,382,893,750	3 / 4
2026-08-14	$13.02	$3,352,945,260	3 / 3
2026-08-15	$13.02	$3,352,945,260	3 / 3
2026-08-16	$13.02	$3,352,945,260	3 / 3
2026-08-17	$13.02	$3,352,945,260	3 / 3
2026-08-18	$13.02	$3,352,945,260	3 / 3
2026-08-19	$13.02	$3,352,945,260	3 / 3
2026-08-20	$13.02	$3,352,945,260	3 / 3
2026-08-21	$12.95	$3,395,991,167	2 / 3
2026-08-22	$12.93	$3,355,049,400	2 / 3
2026-08-23	$12.93	$3,355,049,400	2 / 3
2026-08-24	$12.93	$3,355,049,400	2 / 3
2026-08-25	$12.93	$3,355,049,400	2 / 3
2026-08-26	$12.93	$3,355,049,400	2 / 3
2026-08-27	$12.93	$3,355,049,400	2 / 3
2026-08-28	$12.93	$3,355,049,400	2 / 3
2026-08-29	$12.92	$3,355,056,504	2 / 2
2026-08-30	$12.92	$3,355,056,504	2 / 2
2026-08-31	$12.92	$3,355,056,504	2 / 2
2026-09-01	$12.92	$3,355,056,504	2 / 2
2026-09-02	$12.92	$3,355,056,504	2 / 2
2026-09-03	$12.92	$3,355,056,504	2 / 3
2026-09-04	$12.97	$3,401,297,087	3 / 3
2026-09-05	$12.97	$3,401,297,087	3 / 3
2026-09-06	$12.97	$3,401,297,087	3 / 3
2026-09-07	$12.97	$3,401,297,087	3 / 3
2026-09-08	$12.97	$3,401,297,087	3 / 3
2026-09-09	$12.97	$3,401,297,087	3 / 3
2026-09-10	$12.97	$3,401,297,087	3 / 3
2026-09-11	$12.97	$3,401,297,087	3 / 3
2026-09-12	$12.97	$3,401,297,087	3 / 3
2026-09-13	$12.97	$3,401,297,087	3 / 3
2026-09-14	$12.97	$3,401,297,087	3 / 3
2026-09-15	$12.97	$3,401,297,087	3 / 3
2026-09-16	$12.97	$3,401,297,087	3 / 3
2026-09-17	$12.97	$3,401,297,087	3 / 3
2026-09-18	$12.97	$3,401,297,087	3 / 3
2026-09-19	$12.97	$3,401,297,087	3 / 3
2026-09-20	$12.97	$3,401,297,087	3 / 3
2026-09-21	$12.97	$3,401,297,087	3 / 3
2026-09-22	$12.97	$3,401,297,087	3 / 3
2026-09-23	$12.97	$3,401,497,004	3 / 3
2026-09-24	$12.97	$3,401,497,004	3 / 3
2026-09-25	$12.97	$3,401,497,004	3 / 3
2026-09-26	$12.97	$3,401,497,004	3 / 3
2026-09-27	$12.97	$3,401,497,004	3 / 3
2026-09-28	$12.97	$3,401,497,004	3 / 3
2026-09-29	$12.97	$3,401,497,004	3 / 3
2026-09-30	$12.97	$3,401,497,004	3 / 3
2026-10-01	$12.97	$3,401,497,004	3 / 3
2026-10-02	$12.97	$3,401,497,004	3 / 3
2026-10-03	$12.97	$3,401,497,004	3 / 3
2026-10-04	$12.97	$3,401,497,004	3 / 3
2026-10-05	$12.97	$3,401,497,004	3 / 3
2026-10-06	$12.97	$3,401,497,004	3 / 3
2026-10-07	$12.97	$3,401,497,004	3 / 3
2026-10-08	$13.14	$3,417,047,083	3 / 3
2026-10-09	$13.14	$3,417,047,083	3 / 3
2026-10-10	$13.14	$3,417,047,083	3 / 3
2026-10-11	$13.14	$3,417,045,750	3 / 3
2026-10-12	$13.14	$3,417,045,750	3 / 3
2026-10-13	$13.14	$3,417,045,750	3 / 3
2026-10-14	$13.14	$3,417,045,750	3 / 3
2026-10-15	$13.14	$3,417,045,750	3 / 3
2026-10-16	$13.14	$3,417,045,750	3 / 3
2026-10-17	$13.14	$3,417,045,750	3 / 3
2026-10-18	$13.14	$3,417,045,750	3 / 3
2026-10-19	$13.14	$3,417,045,750	3 / 3
2026-10-20	$13.14	$3,417,045,750	3 / 3
2026-10-21	$13.14	$3,417,045,750	3 / 3
2026-10-22	$13.14	$3,417,045,750	3 / 3
2026-10-23	$13.14	$3,417,045,750	3 / 3
2026-10-24	$13.14	$3,417,045,750	3 / 3
2026-10-25	$13.14	$3,417,045,750	3 / 3
2026-10-26	$13.14	$3,417,045,750	3 / 3
2026-10-27	$13.14	$3,417,045,750	3 / 3
2026-10-28	$13.14	$3,417,045,750	3 / 3
2026-10-29	$13.14	$3,417,045,750	3 / 3
2026-10-30	$13.14	$3,417,045,750	3 / 3
2026-10-31	$13.14	$3,417,045,750	3 / 3
2026-11-01	$13.14	$3,417,045,750	3 / 3
2026-11-02	$13.14	$3,417,045,750	3 / 3
2026-11-03	$13.14	$3,417,045,750	3 / 3
2026-11-04	$13.14	$3,417,045,750	3 / 3

Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.

Compare required revenue and earnings

Analyst view

Monthly observations

Buy / Strong BuyHoldSell / Strong Sell

Exact monthly counts

Monthly rating snapshots · fmp. Missing snapshots are not zero.
Date	Buy*	Hold	Sell*
2026-06-01	5	0	0
2026-07-01	5	0	0
2026-08-01	5	0	0
2026-09-01	5	0	0
2026-10-01	5	0	0
2026-11-01	5	0	0

*Buy includes Strong Buy; Sell includes Strong Sell. Monthly counts describe the analyst mix, not the firms behind each recent action.

Latest: 5 Buy / Strong Buy · 0 Hold · 0 Sell / Strong Sell

0 upgrades0 downgrades0 maintains

Recent actions · Oct 6–Nov 4 · 0 recorded

Price-target changes

30 days

Individual price-target observations are unavailable.

0 raises · 0 cuts · 0 unchanged · 0 without a comparable prior

How this is measured

Oct 6, 2026–Nov 4, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.

Outlook in Brief

The evidence, the remaining questions, and what comes next

What's improving

No recovery evidence is reported in the available driver assessments.

Still unresolved / key risks

effective use of capital including $400M buybackQualitative condition
maintain profit margins supporting EPS near $9.63 in FY26Direct metric needs a verified mapping
annual revenue growth near 29%Direct metric needs a verified mapping

Next proof point

Nov 5, 2026

Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.

Review earnings

Bottom line

3 of 3 published conditions remain under pressure or need verification. The next results need to address those conditions.

The dated weekly assessment and its assumptions are available in Read detailed Outlook.

Historical risk context

Observed price history; separate from operating scenarios

Price sensitivity

1.6%Typical daily move · historical

Downside history

-31.6%Maximum drawdown · trailing year

Read detailed Outlook Company context, assumptions & risks

Atlanticus Holdings Corp. outlook in detail

The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.

Updated Oct 31, 2026

What kind of bet this is

ATLC is a growth-focused financial company shifting toward consumer credit after selling its Auto Finance segment. Its multi-year thesis is intact, supported by strong recent performance and robust earnings quality, but the strategic shift is new and overall risk is elevated.

What's priced into Atlanticus Holdings Corp.

Valuation is described as carrying a durable premium to peers, while the expectations gap is negative, suggesting expectations may be demanding. The priced-in assessment is tagged as justified, with low fragility; valuation has recently fallen by 12 points, though the evidence does not specify what expectations the market already assumes in more detail.

What the fundamentals likely do

Near term, recent revenue and net income growth support the move toward consumer credit, and management says it will use the sale proceeds for debt reduction and growth investment. Those priorities are newly established, and balance-sheet improvement is not directly documented. Near-term risk is elevated despite a quiet watch tier, with a 27% miss probability noted and a history of a deep miss.

What Atlanticus Holdings Corp. hinges on

The multi-year view hinges on whether consumer credit growth continues and whether proceeds from the Auto Finance sale strengthen the balance sheet while funding growth. Near term, a guidance cut would be a meaningful negative, while falling interest rates could weigh on the Financials sector; continued strong results and higher guidance from sector bellwethers such as V, MA, and AXP would support sector momentum.

Bottom line

Over the next 1 to 3 years, ATLC’s thesis rests on sustaining recent financial strength through its new consumer-credit focus and disciplined use of sale proceeds. The premium valuation and elevated risk make execution and guidance important. Not investment advice.

Development preview · refreshed Nov 5, 2026Open Living FV detail

Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.

Expectations trend

Same fiscal period

FY2027 · fiscal year ending 2027-12-31 · fmp

FY2027 EPS$13.14

$13.35 → $13.14 · observed estimates

FY2027 revenue$3.42B

$3.37B → $3.42B · observed estimates

Exact estimates & source dates

FY2027 estimate observations · fmp
Snapshot	EPS	Revenue	EPS / revenue analysts
2026-07-24	$13.35	$3,370,357,800	4 / 5
2026-07-25	$13.35	$3,370,357,800	4 / 5
2026-07-26	$13.35	$3,370,357,800	4 / 5
2026-07-27	$13.02	$3,352,945,260	3 / 3
2026-07-28	$13.35	$3,370,357,800	4 / 5
2026-07-29	$13.35	$3,370,357,800	4 / 5
2026-07-30	$13.35	$3,370,357,800	4 / 5
2026-07-31	$13.35	$3,370,357,800	4 / 5
2026-08-01	$13.35	$3,370,357,800	4 / 5
2026-08-02	$13.35	$3,370,357,800	4 / 5
2026-08-03	$13.35	$3,370,357,800	4 / 5
2026-08-04	$13.35	$3,370,357,800	4 / 5
2026-08-05	$13.35	$3,370,357,800	4 / 5
2026-08-06	$13.35	$3,370,357,800	4 / 5
2026-08-07	$13.02	$3,352,945,260	3 / 3
2026-08-08	$13.25	$3,365,832,000	4 / 5
2026-08-09	$13.25	$3,365,832,000	4 / 5
2026-08-10	$13.25	$3,365,832,000	4 / 5
2026-08-11	$13.39	$3,382,520,750	3 / 4
2026-08-12	$13.39	$3,382,893,750	3 / 4
2026-08-13	$13.39	$3,382,893,750	3 / 4
2026-08-14	$13.02	$3,352,945,260	3 / 3
2026-08-15	$13.02	$3,352,945,260	3 / 3
2026-08-16	$13.02	$3,352,945,260	3 / 3
2026-08-17	$13.02	$3,352,945,260	3 / 3
2026-08-18	$13.02	$3,352,945,260	3 / 3
2026-08-19	$13.02	$3,352,945,260	3 / 3
2026-08-20	$13.02	$3,352,945,260	3 / 3
2026-08-21	$12.95	$3,395,991,167	2 / 3
2026-08-22	$12.93	$3,355,049,400	2 / 3
2026-08-23	$12.93	$3,355,049,400	2 / 3
2026-08-24	$12.93	$3,355,049,400	2 / 3
2026-08-25	$12.93	$3,355,049,400	2 / 3
2026-08-26	$12.93	$3,355,049,400	2 / 3
2026-08-27	$12.93	$3,355,049,400	2 / 3
2026-08-28	$12.93	$3,355,049,400	2 / 3
2026-08-29	$12.92	$3,355,056,504	2 / 2
2026-08-30	$12.92	$3,355,056,504	2 / 2
2026-08-31	$12.92	$3,355,056,504	2 / 2
2026-09-01	$12.92	$3,355,056,504	2 / 2
2026-09-02	$12.92	$3,355,056,504	2 / 2
2026-09-03	$12.92	$3,355,056,504	2 / 3
2026-09-04	$12.97	$3,401,297,087	3 / 3
2026-09-05	$12.97	$3,401,297,087	3 / 3
2026-09-06	$12.97	$3,401,297,087	3 / 3
2026-09-07	$12.97	$3,401,297,087	3 / 3
2026-09-08	$12.97	$3,401,297,087	3 / 3
2026-09-09	$12.97	$3,401,297,087	3 / 3
2026-09-10	$12.97	$3,401,297,087	3 / 3
2026-09-11	$12.97	$3,401,297,087	3 / 3
2026-09-12	$12.97	$3,401,297,087	3 / 3
2026-09-13	$12.97	$3,401,297,087	3 / 3
2026-09-14	$12.97	$3,401,297,087	3 / 3
2026-09-15	$12.97	$3,401,297,087	3 / 3
2026-09-16	$12.97	$3,401,297,087	3 / 3
2026-09-17	$12.97	$3,401,297,087	3 / 3
2026-09-18	$12.97	$3,401,297,087	3 / 3
2026-09-19	$12.97	$3,401,297,087	3 / 3
2026-09-20	$12.97	$3,401,297,087	3 / 3
2026-09-21	$12.97	$3,401,297,087	3 / 3
2026-09-22	$12.97	$3,401,297,087	3 / 3
2026-09-23	$12.97	$3,401,497,004	3 / 3
2026-09-24	$12.97	$3,401,497,004	3 / 3
2026-09-25	$12.97	$3,401,497,004	3 / 3
2026-09-26	$12.97	$3,401,497,004	3 / 3
2026-09-27	$12.97	$3,401,497,004	3 / 3
2026-09-28	$12.97	$3,401,497,004	3 / 3
2026-09-29	$12.97	$3,401,497,004	3 / 3
2026-09-30	$12.97	$3,401,497,004	3 / 3
2026-10-01	$12.97	$3,401,497,004	3 / 3
2026-10-02	$12.97	$3,401,497,004	3 / 3
2026-10-03	$12.97	$3,401,497,004	3 / 3
2026-10-04	$12.97	$3,401,497,004	3 / 3
2026-10-05	$12.97	$3,401,497,004	3 / 3
2026-10-06	$12.97	$3,401,497,004	3 / 3
2026-10-07	$12.97	$3,401,497,004	3 / 3
2026-10-08	$13.14	$3,417,047,083	3 / 3
2026-10-09	$13.14	$3,417,047,083	3 / 3
2026-10-10	$13.14	$3,417,047,083	3 / 3
2026-10-11	$13.14	$3,417,045,750	3 / 3
2026-10-12	$13.14	$3,417,045,750	3 / 3
2026-10-13	$13.14	$3,417,045,750	3 / 3
2026-10-14	$13.14	$3,417,045,750	3 / 3
2026-10-15	$13.14	$3,417,045,750	3 / 3
2026-10-16	$13.14	$3,417,045,750	3 / 3
2026-10-17	$13.14	$3,417,045,750	3 / 3
2026-10-18	$13.14	$3,417,045,750	3 / 3
2026-10-19	$13.14	$3,417,045,750	3 / 3
2026-10-20	$13.14	$3,417,045,750	3 / 3
2026-10-21	$13.14	$3,417,045,750	3 / 3
2026-10-22	$13.14	$3,417,045,750	3 / 3
2026-10-23	$13.14	$3,417,045,750	3 / 3
2026-10-24	$13.14	$3,417,045,750	3 / 3
2026-10-25	$13.14	$3,417,045,750	3 / 3
2026-10-26	$13.14	$3,417,045,750	3 / 3
2026-10-27	$13.14	$3,417,045,750	3 / 3
2026-10-28	$13.14	$3,417,045,750	3 / 3
2026-10-29	$13.14	$3,417,045,750	3 / 3
2026-10-30	$13.14	$3,417,045,750	3 / 3
2026-10-31	$13.14	$3,417,045,750	3 / 3
2026-11-01	$13.14	$3,417,045,750	3 / 3
2026-11-02	$13.14	$3,417,045,750	3 / 3
2026-11-03	$13.14	$3,417,045,750	3 / 3
2026-11-04	$13.14	$3,417,045,750	3 / 3

Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.

Compare required revenue and earnings