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
- Adjusted EPS
- $2.50
- Estimate
- $2.38
- Surprise
- +4.8%
- Revenue (period 2026-06-30)
- $744.3M
- Score today
- 7.0/10
Revenue source: xbrl.
How the report landed
Atlanticus Holdings (ATLC) beat the $2.38 estimate with adjusted EPS of $2.50 — a clear 4.8% upside surprise.
Where TrendMatrix's rating stands now
TrendMatrix currently rates ATLC Strong Buy at 7.0/10; no pre/post engine snapshot brackets this report.
2 of the last 4 quarters beat the estimate; this quarter's +4.8% surprise compares with a +5.6% four-quarter average. Next scheduled report: 2026-11-09.
What supports the rating
- V7 quality resilience bonus: +0.2 (Q=7.6 in RISK_OFF)
- Sector modifier (Financial Services): +1.0
What argues against it
- Concentration risk — Customer: five largest retail partners (85.0%)
- Leverage penalty (D/E 8.5): -1.5
- RISK-OFF: MICRO-cap BUY_NOW needs quality>=8.5 or MoS>=50%
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
- $93.07
- Entry target
- $93.07
- Price target
- $113.62
- Stop
- $86.59
- Upside to target
- +22.1%
- Reward-to-risk
- 2.9:1
The stock trades at 12.1× trailing but 7.0× forward earnings — consensus estimates already build in a substantial earnings recovery.
Model outputs from TrendMatrix’s engine as of 2026-10-07 — 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
- $1.41B
- P/E (fwd)
- 7.0
- P/E (ttm)
- 12.1
- 52-week range
- $47.50–$114.34
- Off 52-week high
- 18.6%
- RSI (14)
- 50
- Volume vs avg
- 0.97×
- Score today
- 7.0/10