Atlanticus Holdings (ATLC) Q3 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 · Editorial policy
Key numbers
- Adjusted EPS
- $3.99
- Estimate
- $2.97
- Surprise
- +34.5%
- Revenue (period 2026-09-30)
- $775.8M
- Score today
- 7.0/10
Revenue source: xbrl.
How the report landed
Atlanticus Holdings (ATLC) beat the $2.97 estimate with adjusted EPS of $3.99 — a large 34.5% upside surprise.
Where TrendMatrix's rating stands now
TrendMatrix currently rates ATLC Buy (Wait) at 7.0/10; no pre/post engine snapshot brackets this report.
3 of the last 4 quarters beat the estimate; this quarter's +34.5% surprise compares with a +20.2% four-quarter average. Next scheduled report: 2027-03-11.
What supports the rating
- V7 quality resilience bonus: +0.2 (Q=7.8 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 7.6): -1.5
- Elevated risk factors
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
- $91.23
- Entry target
- $86.11
- Price target
- $113.62
- Stop
- $83.08
- Upside to target
- +24.5%
- Reward-to-risk
- 2.2:1
The stock trades at 8.9× trailing but 6.7× forward earnings — consensus estimates already build in a substantial earnings recovery.
Risk check: trading volume is running 3.6× its average — elevated turnover around the report window.
Model outputs from TrendMatrix’s engine as of 2026-11-07 — 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
- $1.38B
- P/E (fwd)
- 6.7
- P/E (ttm)
- 8.9
- 52-week range
- $47.50–$114.34
- Off 52-week high
- 20.2%
- RSI (14)
- 51
- Volume vs avg
- 3.64×
- Score today
- 7.0/10