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Upturn AI Summary - About
Atlanticus Holdings Corporation(ATLC)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for ATLC
10/23/2026: ATLC (3-star) is currently NOT-A-BUY. Pass it for now.
Atlanticus Holdings Corporation is a technology-enabled consumer finance company that primarily serves non-prime consumers and small businesses. Its core strengths include a flexible 'Credit as a Service' platform and the diversified revenue generated by its NewLane commercial finance segment. The primary investment story centers on the company’s ability to use proprietary data to profitably underwrite segments often ignored by traditional banks. However, investors must consider significant risks, including high sensitivity to macroeconomic credit defaults and intensive competition from well-funded fintech rivals. The stock may best suit growth-oriented investors with a high risk tolerance who are capable of monitoring the evolving regulatory landscape in the consumer credit sector.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company offers growth potential through its digital platforms but is constrained by the cyclical nature of the subprime credit market. |
| Momentum investor | Mixed fit | Momentum is highly dependent on favorable consumer credit trends and requires a positive upturn signal to be compelling. |
| Value investor | Strong fit while signal remains positive | The stock often trades at valuation multiples that may appeal to value investors seeking exposure to financial services. |
| Dividend investor | Weak fit | The company does not prioritize regular dividend payments to shareholders at this stage of its growth cycle. |
| Low-risk investor | Weak fit | High sensitivity to credit defaults and economic downturns makes this stock inappropriate for low-risk portfolios. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock's beta reflects significant sensitivity to broader economic and credit market fluctuations. |
| Valuation risk | Medium | Market pricing of the company is tied heavily to future credit loss projections which can change rapidly. |
| Competition risk (Fintech / Banking competition) | High | Major players in consumer credit and point-of-sale financing exert consistent pressure on margins. |
| Business quality | Medium | The reliance on non-prime consumer segments introduces inherent instability to earnings quality. |
| Dividend income | Low / none | Income-focused investors will find little support from dividend yields. |
| Execution risk | Medium | Success relies heavily on the accuracy of proprietary underwriting algorithms in changing interest rate environments. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Choppy
The stock has experienced frequent reversals and pronounced short-term price swings.
Analysis of Past Performance
Type Stock | Historic Profit 74.07% | Avg. Invested days 28 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 10/23/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.39B USD | Price to earnings Ratio 12.4 | 1Y Target Price 130.6 |
Price to earnings Ratio 12.4 | 1Y Target Price 130.6 | ||
Volume (30-day avg) 113.6K shares | Beta 1.99 | 52 Weeks Range 47.50 - 114.34 | Updated Date 10/23/2026 |
52 Weeks Range 47.50 - 114.34 | Updated Date 10/23/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 7.38 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Consumer Credit | Interest and fees from credit products marketed to non-prime consumers. | The company earns money primarily from interest and service fees paid by subprime borrowers. |
| Commercial Finance | Equipment financing solutions provided through the NewLane Finance platform. | This segment generates revenue by providing equipment loans to small businesses. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 12.4 | Forward PE 7.87 | Enterprise Value 7.16B | Price to Sales(TTM) 1.9 |
Enterprise Value 7.16B | Price to Sales(TTM) 1.9 | ||
Enterprise Value to Revenue 14.31 | Enterprise Value to EBITDA - | Shares Outstanding 15.17M | Shares Floating 5.50M |
Shares Outstanding 15.17M | Shares Floating 5.50M | ||
Percent Insiders 64.31 | Percent Institutions 27.04 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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