Atlanticus Holdings (ATLC) Q2 2026 earnings — TrendMatrix coverage
Reported
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Full disclosure
Key numbers
- Reported EPS
- $2.50
- Estimate
- $2.38
- Surprise
- +4.8%
- Revenue (period 2026-06-30)
- $744.3M
- Score today
- 6.6/10
Revenue source: xbrl.
How the report landed
Atlanticus Holdings (ATLC) beat the $2.38 estimate with diluted EPS of $2.50 — a clear 4.8% upside surprise.
Where TrendMatrix's rating stands now
TrendMatrix currently rates ATLC Buy (Wait) at 6.6/10; no pre/post engine snapshot brackets this report.
3 of the last 4 quarters beat the estimate; this quarter's +4.8% surprise compares with a +6.7% four-quarter average. Next scheduled report: 2026-11-09.
What supports the rating
- Strong earnings beat streak (3/4)
- High-quality business
What argues against it
- Concentration risk — Customer: five largest retail partners (85.0%)
- Leverage penalty (D/E 8.5): -1.5
- Negative momentum
This section and the ones below it reflect TrendMatrix’s latest engine read — they update after the report date and are not frozen to it.
The levels TrendMatrix's engine tracks
- Current price
- $96.09
- Entry target
- $89.34
- Price target
- $113.47
- Stop
- $77.19
- Upside to target
- +18.1%
- Reward-to-risk
- 1.4:1
The stock trades at 12.2× trailing but 7.2× forward earnings — consensus estimates already build in a substantial earnings recovery.
Model outputs from TrendMatrix’s engine as of 2026-08-23 — shown for context, not personalized investment advice.
ATLC at TrendMatrix's latest read
For financials, the EPS print is only half the story: credit costs, reserve builds, and rate sensitivity decide how a quarter actually lands.
- Industry
- Credit Services
- Market cap
- $1.46B
- P/E (fwd)
- 7.2
- P/E (ttm)
- 12.2
- 52-week range
- $47.50–$114.34
- Off 52-week high
- 16.0%
- RSI (14)
- 37
- Volume vs avg
- 0.78×
- Score today
- 6.6/10