Atlanticus Holdings Corp (ATLCL) stock
ATLCLNasdaqPersonal Credit InstitutionsFiscal year ends December 31Also trades as ATLC, ATLCP, ATLCZ
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 6, 2026Score 10/3035% below fair value
$24.98−0.01 (-0.04%)
Close on Oct 30, 2026Market cap $1.42BP/E 12.2Yield –
Atlanticus statistics
83 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- –
- Last ex-dividend date
- Oct 15, 2026
- Fundamentals through
- Jun 30, 2026
- Share price as of
- Oct 30, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 2.10
- 1.32
- P/OCF Ratio
- 1.51
- 7.43
Enterprise valuationIndustry
- EV / Sales
- 0.32
- 2.54
Share statisticsIndustry
- Shares Change (YoY)
- 0.60%
- 13.1%
- Shares Change (QoQ)
- 0.55%
- 0.35%
- Float
- 1M
- 42M
- Shares Held by Insiders
- 91.5%
- 18.6%
- Shares Held by Institutions
- 26.1%
- 27.5%
Short sellingIndustry
- Short Interest
- 504,691
- –
- Short Interest Change
- -10.4%
- 2.92%
- Days to Cover
- 4.58
- 2.66
Stock price statisticsIndustry
- 52-Week High
- $114.34
- –
- 52-Week Low
- $47.50
- –
- 20-Day Moving Average
- $92.11
- –
- 50-Day Moving Average
- $92.25
- –
- 200-Day Moving Average
- $80.40
- –
- Average True Range (14)
- $3.91
- –
- Price Change (1 Week)
- 8.43%
- -1.11%
- Price Change (1 Month)
- 4.67%
- -15.7%
- Price Change (3 Months)
- -13.5%
- -9.64%
- Price Change (6 Months)
- 19.8%
- -24.9%
- Price Change (YTD)
- 39.6%
- -30.9%
- Price Change (1 Year)
- 66.1%
- -52.8%
- Price Change (3 Years)
- 219.4%
- -23.3%
- Price Change (5 Years)
- 20.6%
- -78.1%
- Price Change (10 Years)
- 2577.9%
- -44.6%
- Average Volume (10 Days)
- 93,297
- –
- Average Volume (20 Days)
- 108,479
- –
- Average Volume (90 Days)
- 144,108
- –
- Relative Volume
- 0.73
- 0.87
- Relative Strength Index (14)
- 52.4
- 41.2
- Volatility (1 Year)
- 52.0%
- 94.3%
- Beta (5 Years)
- 1.81
- 1.25
MarginsIndustry
- Pretax Margin
- 7.67%
- -15.3%
- EBITDA Margin
- 25.1%
- -66.1%
Returns on capitalIndustry
- Return on Equity (ROE)
- 24.3%
- -22.5%
- Return on Assets (ROA)
- 2.77%
- -11.7%
GrowthIndustry
- Revenue Growth (YoY)
- 83.7%
- 20.3%
- Net Income Growth (YoY)
- 25.3%
- -39.8%
- EPS Growth (YoY)
- 35.3%
- 1.55%
- Revenue Growth (3Y CAGR)
- 23.4%
- 5.91%
- Revenue Growth (5Y CAGR)
- 28.4%
- 10.5%
- EPS Growth (3Y CAGR)
- 0.74%
- 5.11%
- EPS Growth (5Y CAGR)
- 8.58%
- 8.99%
EfficiencyIndustry
- Asset Turnover
- 0.48
- 0.17
- Revenue Per Employee
- $4.61M
- $694.61K
- Profits Per Employee
- $267.37K
- -$256.93K
- Employee Count
- 576
- 48
- WACC
- 14.0%
- 11.0%
Income statement (TTM)Industry
- Pretax Income
- $203.55M
- -$3.63M
Balance sheetIndustry
- Net Cash (Debt)
- $555.22M
- $6.94M
- Net Cash Per Share
- $36.60
- $0.21
- Equity (Book Value)
- $701.88M
- $191.56M
- Book Value Per Share
- $46.27
- $3.87
- Tangible Book Value
- $676.75M
- $136.07M
Cash flow (TTM)Industry
Dividends and yieldsIndustry
- Earnings Yield
- 10.9%
- -11.7%
- Buyback Yield
- 1.43%
- 0.14%
- Shareholder Yield
- 1.43%
- 0.48%
Taxes and interestIndustry
- Interest Expense
- $446.88M
- $3.94M
- Income Tax
- $50.06M
- $102.14K
- Effective Tax Rate
- 24.6%
- 22.3%
Scores and fair valueIndustry
- Graham Number
- $89.30
- $33.10
- Graham Upside
- -4.45%
- 7.28%
- Altman Z-Score
- 0.59
- 0.39
- Piotroski F-Score
- 6
- 4
- Lynch Fair Value
- $65.68
- –
- Lynch Upside
- -29.7%
- 54.1%
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Oct 30, 2026. The S&P 500 is measured by the SPY fund.
| Period | ATLCL | S&P 500 | Difference | ATLCL per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +0.1% | -0.9% | +1.0 pts | ||
| 3 months | +1.2% | +2.1% | −0.9 pts | ||
| Year to date | +7.3% | +11.7% | −4.4 pts | ||
| 1 year | +6.7% | +12.4% | −5.6 pts | ||
| 3 years | +40.6% | +88.6% | −47.9 pts | +12.0% | +23.5% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 15, 2026.
0M ATLCL shares were sold short on Oct 15, 2026, up 291.6% from the previous report. At recent volumes it would take 1.0 days to buy them back. Over the last 20 sessions, 35.1% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 15, 2026 | 2,009 | +291.6% | 5,728 | 1.0 |
| Sep 30, 2026 | 513 | -29.5% | 11,438 | 1.0 |
| Sep 15, 2026 | 728 | +66.6% | 9,111 | 1.0 |
| Aug 31, 2026 | 437 | -24.5% | 4,442 | 1.0 |
| Aug 14, 2026 | 579 | -29.1% | 3,702 | 1.0 |
| Jul 31, 2026 | 817 | -45.2% | 6,935 | 1.0 |
| Jul 15, 2026 | 1,492 | -60.7% | 4,515 | 1.0 |
| Jun 30, 2026 | 3,801 | +119.8% | 7,441 | 1.0 |
| Jun 15, 2026 | 1,729 | -43.7% | 5,621 | 1.0 |
| May 29, 2026 | 3,071 | +7.1% | 10,780 | 1.0 |
| May 15, 2026 | 2,867 | -23.0% | 4,434 | 1.0 |
| Apr 30, 2026 | 3,725 | +55.7% | 6,031 | 1.0 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.