Atlanticus Holdings Corporation 6.125% Senior Notes due 2026(ATLCL)

$25.23—Stale · unknown old

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Atlanticus Holdings Corporation 6.125% Senior Notes due 2026(ATLCL)

NASDAQ • Last print unknown ago

$25.23—Stale · unknown old

WatchlistAsk SA Chart Studio

ATLCL(ATLCL)

ATLCL

9/26/26

Atlanticus Holdings Corporation 6.125% Senior Notes due 2026 (ATLCL)

Saturday

3:01 PM

ThesisThe recent uptick in consumer sentiment and loan origination volume suggests a favorable environment for Atlanticus, enhancing growth prospects.

Revenue Outlook

Metric	FY2025	FY2026E	FY2027E
Revenue	$704M	$3.0B	$3.3B
Rev. Growth	+53.3%	+325%	+9.4%
EPS	$7.39	$8.72	$12.06
EPS Growth	+24.6%	+18.1%	+38.2%
P/E (fwd)	3.4×	2.9×	2.1×

★ Analysts see FY2026 revenue reaching $3.0B — +325% growth in a single year.

Why Revenue Could Explode

01Atlanticus has seen a 25% increase in loan origination volume in Q2 2026, indicating strong demand for its credit products.
02The company's recent partnership with a major retail chain to offer co-branded credit cards could drive incremental revenue growth of 15% annually.
03A recent increase in consumer sentiment has led to a projected 10% rise in loan applications, enhancing revenue forecasts.
04Increased regulatory scrutiny on peer-to-peer lending platforms may shift market share back to established players like Atlanticus.
05Expansion of consumer credit access in underserved markets
06Growth of fintech partnerships in traditional retail sectors
07Changes in consumer credit demand, particularly in the subprime segment
08Regulatory changes impacting credit issuance and fees

FY2025 Snapshot

Revenue: $704M
Rev. Growth: +53.3%
Gross Margin: 56.3%
Op. Margin: 22.7%
Net Margin: 17.3%
Net Income: $122M
NI Growth: +9.8%
EPS: $7.39
1Y Return: +6.9%

ATLCL Chart

My Notes

"Management noted, 'We are witnessing a significant increase in demand for our credit solutions, which positions us well for the upcoming quarters.'"
Moat: Atlanticus's competitive advantage is bolstered by its proprietary technology and data analytics capabilities…
growth - Investors seeking exposure to a high-growth financial services company with strong revenue growth potential.
Rising interest rates can increase the cost of borrowing for consumers, potentially dampening demand for loans…
Watch on earnings: Net interest margin, Loan origination volume, Delinquency rates.

One Sentence Summary:

The bull case is simple: analysts see revenue climbing from $3.0B to $3.3B as atlanticus has seen a 25% increase in loan origination volume in q2 2026.

Auto-composed from Stock Alarm intelligence, financial statements, and analyst estimates. Not investment advice.

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Metric

FY2025

FY2026E

FY2027E

P/E (fwd)

3.4×

2.9×

2.1×

Why Revenue Could Explode

01Atlanticus has seen a 25% increase in loan origination volume in Q2 2026, indicating strong demand for its credit products.

02The company's recent partnership with a major retail chain to offer co-branded credit cards could drive incremental revenue growth of 15% annually.

03A recent increase in consumer sentiment has led to a projected 10% rise in loan applications, enhancing revenue forecasts.

04Increased regulatory scrutiny on peer-to-peer lending platforms may shift market share back to established players like Atlanticus.

05Expansion of consumer credit access in underserved markets

06Growth of fintech partnerships in traditional retail sectors

07Changes in consumer credit demand, particularly in the subprime segment

08Regulatory changes impacting credit issuance and fees

My Notes

"Management noted, 'We are witnessing a significant increase in demand for our credit solutions, which positions us well for the upcoming quarters.'"

Moat: Atlanticus's competitive advantage is bolstered by its proprietary technology and data analytics capabilities…

growth - Investors seeking exposure to a high-growth financial services company with strong revenue growth potential.

Rising interest rates can increase the cost of borrowing for consumers, potentially dampening demand for loans…

Watch on earnings: Net interest margin, Loan origination volume, Delinquency rates.