Atlanticus Holdings Corp. (ATLC)
NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-11-05
$96.45-3.31%
Close 2026-11-05 · 1-day change
NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-11-05
QuarterlyIQ Insights · ATLC
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -24.8% |
| Our one-year growth estimate | diamond | 24.5% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-05.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 49.4 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-05 · Compared with 27 industry peers
Why it matters: Financials remain in a growth phase, but the sector trend is easing. A drop below median growth would add pressure to the setting around Atlanticus.
Worry ifThe sector report says financials revenue growth has fallen below its median.
Less concerning ifThe sector report says financials revenue growth remains at or above its median.
Why it matters: Management said it plans to use the cash to reduce debt and invest in growth. Debt paydown would show the balance sheet is getting stronger.
Supportive ifA filing or earnings report shows how much debt fell after the sale proceeds came in.
Worry ifThe next earnings report shows no debt reduction tied to the sale proceeds, or debt rises.
Why it matters: Atlanticus plans to focus on consumer credit products after leaving auto finance. Results will show whether those products can keep growing.
Supportive ifThe next earnings report shows consumer credit revenue above the same quarter last year. Reported segments also show growth.
Worry ifThe next earnings report shows consumer credit revenue flat or lower than the prior-year quarter.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$166 on $10,000 · ±1.7% | How much price usually moves either way. |
| Bad day | $572 loss on $10,000 · 5.7% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $3,162 loss on $10,000 · 31.6% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.