Insider buying last 90 days
No open-market insider purchases were filed for ATLC in the last 90 days.
From Form 4 filings, dated to when each was filed.
Every ATLC insider filing, plotted on the chart in Gekko.Open ATLC in Gekko
NASDAQ: ATLC
Atlanticus (ATLC) Stock Analysis & Forecast
Oct 12 close
$94.60+0.87 (+0.9%)
Gekko Brief
AI summaryOct 12 closeAtlanticus drew attention this week mainly from a value-investing discussion piece published on 7 October, which weighed the stock against broader value, growth and momentum trends rather than pointing to any specific company event. No deal, guidance change or regulatory development accompanied the coverage.
Shares closed at $94.60, up 0.9%, sitting between the 50-day average of $94.98 and the 200-day average of $78.63, a mixed trend signal. The GekkoIndex reads 55.7, placing the stock in the Neutral zone, down 2.6 over the past five readings. Price remains 13.5% below Gekko Fair Value of $109.36.
Atlanticus reports earnings on 9 November, 28 days away, which falls inside a typical 20-trading-day holding window; the last print beat estimates with EPS of $2.50 against a $2.50 estimate, following six beats in the last eight quarters, though the prior reaction was -10.2% against an average absolute move of 8.1%. No insider, Congress or unusual options activity appears in the current windows. Seasonally, the next 20 trading days have averaged +14.5% over five years, rising in four of them. Analyst coverage includes 3 buy and 1 hold ratings among 4 firms, with a consensus target of $130.60, implying 38.1% upside from current levels.
Written by AI from the Oct 12, 2026 close and checked automatically against the figures on this page.
Atlanticus price vs fair value
Close $94.60200-day averageGekko Fair Value $109.36
Atlanticus quick facts
- Market cap
- $1.43B
- P/E ratio
- 11.9
- Forward P/E
- 7.9
- EPS, TTM
- $7.70
- Revenue, TTM
- $730.5M
- Profit margin
- 21.1%
- Dividend yield
- —
- Beta
- 1.99
- Volume
- 134,797 avg 121,722
- 1-year return
- +63.6%
- Typical daily move
- ±3.4%
- Typical 20-day move
- ±9.5%
- 50-day average
- $94.98
- 200-day average
- $78.63
- Next earnings
- Nov 9
- Shares outstanding
- 15.17M
Atlanticus swing-trade checklist
Atlanticus scores 2 supportive, 2 mixed and 1 headwind across the 5 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
2 supportive2 mixed1 headwind
- Trendmixed
Averages disagree
Close $94.60 sits between the 50-day ($94.98) and 200-day ($78.63) averages, or the averages disagree.
See the chart - GekkoIndexmixed
55.7, Neutral
Reading 55.7 is in the Neutral zone.
See the GekkoIndex - Fair valuesupportive
13.5% below
Price is 13.5% below Gekko Fair Value (more than 5% below).
See fair value - Smart moneyno data
No data
No insider, Congress or unusual options activity in the window.
See smart money - Earnings riskheadwind
Reports in 28 days
Reports on Nov 9, 2026, 28 days away — inside a typical 20-trading-day hold.
See earnings - Seasonalitysupportive
+14.5% on average
From this point in the calendar, the next 20 trading days averaged +14.5% over 5 years, rising in 4 of them.
See seasonality
A description of current data, not a recommendation. How this page works
Atlanticus stock chart and price history
Atlanticus closed at $94.60 on Oct 12, 2026, +63.6% over the past year, inside a 52-week range of $47.50 to $114.34.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- +0.1%
- 3 months
- −3.3%
- 6 months
- +41.0%
- 1 year
- +63.6%
The full ATLC chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open ATLC in Gekko
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About Atlanticus
Atlanticus provides credit products and related financial services to consumers across the United States. It is best known for helping people finance everyday purchases, from electronics and furniture to healthcare and education costs, through credit cards and other lending arrangements issued by partner lenders.
The company works through two main areas. One focuses on credit as a service, covering private label and general purpose credit cards distributed through retail and healthcare partners, direct mail, digital marketing, and outside organizations, along with loan servicing, risk management, customer support, and investment in consumer finance technology. The other handles auto finance, buying and servicing loans tied to vehicles on behalf of independent dealerships and finance companies in the buy-here, pay-here and used car markets, and offering floor plan and installment financing. Atlanticus also invests in and manages portfolios of credit card receivables.
Atlanticus was founded in 1996 and is based in Atlanta, Georgia. Its shares are listed on the NASDAQ under the ticker ATLC.
- Listed
- NASDAQ
- Sector
- Finance
- Industry
- Finance/Rental/Leasing
- Website
- atlanticus.com
Atlanticus GekkoIndex: the smart money zone
Atlanticus’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 55.7, in the Neutral zone, down 2.6 points over five sessions.
55.7Neutral
Down 2.6 points over five sessions.
Reading for Oct 12, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days |
|---|---|---|---|
| Buying | 36 | +1.8% | +1.0% |
| Accumulation | 204 | +1.7% | +5.0% |
| Neutral (current zone) | 367 | 0.0% | +3.6% |
| Distribution | 65 | +2.5% | +2.9% |
| Selling | 10 | +8.7% | +23.9% |
Average ATLC share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Neutral readings averaged +1.1% over 20 days. Past behaviour doesn’t guarantee future results.
Neutral zone: No clear directional signal. About the five zones →
See every daily GekkoIndex reading plotted over the ATLC price, zone by zone.Track ATLC in Gekko
Is Atlanticus stock overvalued? Gekko Fair Value
Atlanticus trades 13.5% below Gekko Fair Value of $109.36, so the shares are undervalued on Gekko’s estimate.
Gekko’s own estimate of what Atlanticus shares are worth, recalculated every trading day.
$109.36
Gekko Fair Value, Oct 10, 2026
13.5% Undervalued
At the end of Aug 2026 the price was 25.7% below the estimate.
Gekko Fair ValueShare price, month end
Gekko Fair Value on every chart, with the gap to price updating daily.Open ATLC in Gekko
Atlanticus insider and Congress trading
No open-market insider purchases were filed for Atlanticus, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
No trades in ATLC were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Congress disclosures for ATLC, plotted on the chart in Gekko.Open ATLC in Gekko
Buybacks
Atlanticus has been buying back its own shares.
- Bought back, quarter ended Jun 30, 2026
- $55K
- As a share of market cap
- 0.00%
- Trailing four quarters
- $20.29M
From company filings.
Atlanticus earnings: next date and track record
Atlanticus reports on Nov 9, 2026 (28 days away), and beat the EPS estimate in 6 of its last 8 reports.
Next earnings report
Nov 9, 2026
28 days away
- EPS estimate
- $2.98
- Revenue estimate
- $775.1M
6 of 8reports beat the EPS estimate
±8.1%average move across the report
5 of 8reports followed by a gain
Share-price move across each report
Last earnings call, Aug 6, 2026 AI summary
- What they said
- Atlanticus delivered record Q2 2026 profits driven by record revenue, record new customers served, and record total customers served, while exceeding their 20% ROE target. The Mercury acquisition continues to perform better than modeled across portfolio management, originations, and synergies. Excluding Mercury, managed receivables grew 26% year-over-year with active accounts up over 1 million. Credit metrics showed year-over-year improvement with consumer spending and credit behavior remaining stable.
- Guidance
- Management expects slightly higher delinquency and charge-off rates next quarter due to partial Mercury comparisons and intentional mix shifts. The company maintains its 20% return on equity target and continues deploying capital at attractive risk-adjusted returns despite competitive general purpose credit card solicitation environment.
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Aug 6, 2026 | $2.50 est $2.50 | $744.3M est $716.3M | −10.2% |
| May 7, 2026 | $2.23 est $1.66 | $679.5M est $749.4M | +9.0% |
| Mar 12, 2026 | $1.75 est $1.62 | $734.4M est $691.7M | −13.0% |
| Nov 10, 2025 | $1.48 est $1.34 | $178.8M est $691.8M | −4.3% |
| Aug 7, 2025 | $1.51 est $1.30 | $394.2M est $373.9M | +13.9% |
| May 8, 2025 | $1.49 est $1.50 | $344.9M est $343.2M | +2.0% |
| Mar 13, 2025 | $1.42 est $1.27 | $353.2M est $355.0M | +5.1% |
| Nov 7, 2024 | $1.27 est $1.22 | $351.2M est $354.7M | +6.9% |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
Atlanticus stock forecast and analyst price targets
Analysts’ average 12-month price target for Atlanticus is $130.60, +38.1% from the last close, from 4 firms rating the stock in the last 90 days.
$130.60consensus 12-month target, +38.1% from the last close
Now $94.60Avg $130.60
Low $100High $179
Each firm’s latest rating in the last 90 days: 4 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Sep 21 | BTIG | $179 | +89.2% |
| Sep 3 | B. Riley Securities | $119 | +25.8% |
| Aug 27 | Texas Capital Securities | $100 | +5.7% |
| Aug 7 | BTIG | $179 | +89.2% |
| Aug 7 | B. Riley Securities | $111 | +17.3% |
+3.6%average 20-day move after past Neutral readings
+14.5%average move over the next 20 trading days in the last 5 years
±3.4%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
Atlanticus seasonality: the next 20 trading days
Over the next 20 trading days from Oct 10, Atlanticus averaged +14.5% across the last 5 years, rising in 4 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | +6.4% | 4 of 5 |
| Next 10 trading days | +7.8% | 3 of 5 |
| Next 15 trading days | +13.7% | 4 of 5 |
| Next 20 trading days | +14.5% | 4 of 5 |
| Next 30 trading days | +15.4% | 4 of 5 |
For scale, ATLC’s typical 20-trading-day move in either direction is about 9.5%.
Atlanticus market cap and key statistics
Atlanticus’s market cap is $1.43B, with a P/E ratio of 11.9 and revenue of $730.5M over the last twelve months.
Valuation
- Market cap
- $1.43B
- P/E ratio
- 11.9
- Forward P/E
- 7.9
- EPS, TTM
- $7.70
- Gekko Fair Value
- $109.36
Trading
- Volume
- 134,797
- Avg volume, 20 days
- 121,722
- 52-week high
- $114.34
- 52-week low
- $47.50
- Shares outstanding
- 15.17M
Financials
- Revenue, TTM
- $730.5M
- Profit margin
- 21.1%
- Return on equity
- 23%
- Quarterly earnings growth, YoY
- +66.0%
Risk and income
- Beta
- 1.99
- Typical daily move
- ±3.4%
- Typical 20-day move
- ±9.5%
Atlanticus stock news this week
1 headline about Atlanticus from the past week, newest first, each linking to the publisher.
- Should Value Investors Buy Atlanticus (ATLC) Stock?Zacks Investment Research, Oct 7
Atlanticus peers
Atlanticus’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| VVisa | Neutral | 0.1% below |
| MAMastercard | Neutral | 2.4% below |
| AXPAmerican Express | Accumulation | 9.3% below |
| COFCapital One Financial | Neutral | 12.1% below |
| URIUnited Rentals | Neutral | 7.5% below |
| RKTRocket Companies | Accumulation | 25.9% below |
A peer links to its own page where one exists.
Atlanticus stock FAQ
What is Atlanticus’s market cap?
Atlanticus’s market cap is $1.43B at the Oct 12, 2026 close of $94.60, with 15.17M shares outstanding. The shares trade on a P/E ratio of 11.9.
What is the Atlanticus stock forecast?
The consensus analyst 12-month price target for Atlanticus is $130.60, +38.1% from the last close. Of the 4 firms that rated the stock in the last 90 days, 3 rate it a buy, 1 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.
Is Atlanticus stock overvalued or undervalued?
On Gekko’s estimate Atlanticus is undervalued: the Oct 12, 2026 close of $94.60 is 13.5% below Gekko Fair Value of $109.36. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does Atlanticus report earnings next?
Atlanticus is expected to report on Nov 9, 2026 (28 days away). Analysts expect earnings of $2.98 per share on revenue of $775.1M. Atlanticus beat the earnings estimate in 6 of its last 8 reports, moving 8.1% on average across the report.
What is Atlanticus’s 52-week high and low?
Atlanticus’s 52-week high is $114.34 and its 52-week low is $47.50; it closed at $94.60 on Oct 12, 2026, +63.6% over the past year.
Is Atlanticus stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 2 of the 5 items with data read as supportive (fair value and seasonality), 2 as mixed (trend and gekkoindex) and 1 as a headwind (earnings risk). The checklist is a description of current data, not a recommendation.
How this page works
During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
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