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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
09/25/2026: ATLC (3-star) is currently NOT-A-BUY. Pass it for now.
Atlanticus Holdings Corporation is a fintech firm that enables financial institutions and retailers to provide credit products to underbanked consumers. Its primary strength lies in a proprietary underwriting platform that manages credit risk in the non-prime space. The company's growth story centers on scaling its Credit-as-a-Service model through strategic retail partnerships. However, investors must consider significant risks, including sensitivity to economic downturns, regulatory scrutiny, and competitive pressures from larger financial players. Atlanticus may suit investors looking for exposure to the fintech lending sector, provided they can tolerate high volatility and recognize that the stock does not offer consistent dividend income.
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 exposure to the fintech lending sector, but growth is heavily dependent on credit cycle stability. |
| Momentum investor | Mixed fit | The stock can experience sharp price movements based on interest rate sentiment and fintech news, subject to positive signal. |
| Value investor | Strong fit while signal remains positive | Shares often trade at lower multiples of earnings, potentially attracting value investors, though credit risk must be priced in. |
| Dividend investor | Weak fit | The company does not prioritize dividend distributions, focusing instead on portfolio growth. |
| Low-risk investor | Weak fit | High exposure to subprime credit performance and inherent volatility make this unsuitable for low-risk strategies. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock is susceptible to significant price swings due to its sensitivity to economic cycles and credit losses. |
| Valuation risk | Medium / high | Market pricing of the stock often fluctuates based on changing investor perceptions of fintech growth versus credit risk. |
| Competition risk (fintech and consumer finance) | High | Intense competition from well-capitalized fintech and traditional banking players can pressure margins. |
| Business quality | Medium | The business model is specialized and reliant on high-risk lending cohorts, which can impact long-term earnings stability. |
| Dividend income | Low / none | Investors seeking regular income will not find this stock suitable as it does not pay a regular dividend. |
| Execution risk | Medium / high | Successful growth depends on managing complex credit underwriting and maintaining key retail partnerships. |
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 09/25/2026 |
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 11.87 | 1Y Target Price 130.6 |
Price to earnings Ratio 11.87 | 1Y Target Price 130.6 | ||
Volume (30-day avg) 124.6K shares | Beta 2.02 | 52 Weeks Range 47.50 - 114.34 | Updated Date 09/25/2026 |
52 Weeks Range 47.50 - 114.34 | Updated Date 09/25/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 7.7 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Credit-as-a-Service | Platform fees and interest income generated from non-prime consumer credit products offered through retail partners. | The company earns money by helping retailers and banks offer credit to customers who might otherwise be rejected. |
| Auto Finance | Interest income from vehicle financing loans targeted at subprime credit segments. | Revenue is earned from interest on loans provided to consumers purchasing cars through specific dealer networks. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 11.87 | 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 26.92 |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
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.
About Atlanticus Holdings Corporation
Exchange NASDAQ | Headquarters Atlanta, GA, United States | ||
IPO Launch date 1999-04-23 | President, CEO & Director Mr. Jeffrey A. Howard | ||
Sector Financial Services | Industry Credit Services | Full time employees 576 | Website https://www.atlanticus.com |
Full time employees 576 | Website https://www.atlanticus.com | ||
Atlanticus Holdings Corporation, a financial technology company, provides products and services to lenders in the United States. The company operates in two segments, Credit as a Service (CaaS) and Auto Finance. Its CaaS segment offers private label credit products associated with the healthcare space under the Curae brand, as well as consumer electronics, furniture, elective medical procedures, and home-improvement under the Fortiva brand and its retail partners' brands; and general-purpose credit cards under the Aspire, Imagine, Mercury, and Fortiva brand names. The company's private label and general-purpose credit cards originated from its bank partners through various channels, including retail and healthcare point-of-sale locations, direct mail solicitation, and digital marketing and partnerships with third parties. This segment also offers loan servicing, such as risk management and customer service outsourcing for third parties, as well as engages in other product testing and investments. The Auto Finance segment purchases and/or services loans secured by automobiles from or for a pre-qualified network of independent automotive dealers and automotive finance companies in the buy-here and pay-here used car business. This segment also provides floor plan financing and installment lending products. The company was founded in 1996 and is headquartered in Atlanta, Georgia.
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