Value
8.6/10data confidence 83%| Component | Sub-score |
|---|---|
| P/E | 8.7 |
| P/S | 8.7 |
| Fwd P/E | 9.7 |
| PEG | 10.0 |
| Analyst target | 6.0 |
- ▸Forward P/E: 7.2x
- ▸PEG: 0.14
- ▸Attractively valued
ATLC · Why this verdict
Why Atlanticus Holdings (ATLC) is rated BUY WAIT
Updated
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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VerdictBUY WAIT
Overall score6.8/10
ConfidenceMEDIUM
MacroNEUTRAL
Per-dimension breakdown
Quality
7.5/10data confidence 100%| Component | Sub-score |
|---|---|
| ROE | 7.1 |
| ROA | 1.7 |
| Gross margin | 10.0 |
| Op margin | 10.0 |
| Net margin | 10.0 |
| Current ratio | 5.0 |
| Moat | 7.5 |
| Piotroski F | 8.9 |
- ▸Strong margins: 21%
- ▸Wide economic moat
- ▸Compounder quality: strong returns + growth
- ▸Strong Piotroski F-Score: 8/9
Growth
10.0/10data confidence 67%| Component | Sub-score |
|---|---|
| Rev growth | 10.0 |
| EPS growth | 10.0 |
- ▸Strong growth: 61% YoY
Momentum
3.3/10data confidence 100%| Component | Sub-score |
|---|---|
| RSI | 5.5 |
| MACD | 0.0 |
| OBV | 1.0 |
| MA position | 6.0 |
| Volume | 3.8 |
- ▸Volume distribution (falling OBV)
- ▸Above 200-day MA
Sentiment
7.6/10data confidence 100%| Component | Sub-score |
|---|---|
| LLM sentiment | 7.5 |
| Analyst rating | 7.3 |
| Price target | 8.0 |
- ▸LLM news sentiment: +0.50 (n=1)
- ▸Light analyst coverage (5.0) — signal dampened
- ▸Analyst upside: 23%
Insider
3.4/10data confidence 75%| Component | Sub-score |
|---|---|
| materiality | 3.0 |
| insider conviction | 2.0 |
| holder change | 5.1 |
- ▸Notable insider selling — $2,189,000 (0.150% of mkt cap)
Peer rank
6.5/10data confidence 80%| Component | Sub-score |
|---|---|
| value rank | 5.5 |
| quality rank | 5.7 |
| growth rank | 9.7 |
- ▸Industry growth leader
Technical
5.5/10data confidence 100%| Component | Sub-score |
|---|---|
| bollinger | 5.0 |
| support resistance | 4.5 |
| 52w position | 7.1 |
Risk (lower is worse)
4.0/10data confidence 100%| Component | Sub-score |
|---|---|
| short interest | 9.4 |
| days to cover | 7.7 |
| volatility | 0.0 |
| beta | 2.9 |
| debt equity | 0.0 |
- ▸Short squeeze setup: 23% short, quality 7.5
Catalyst
5.9/10data confidence 100%| Component | Sub-score |
|---|---|
| erm | 5.0 |
| earnings history | 6.7 |
| earnings timing | 5.0 |
| surprise avg | 8.0 |
| news activity | 5.0 |
- ▸Strong earnings: 3B/1M
How the verdict was assembled
Engine trigger
Growth is cheap relative to earnings, but the technical setup has not yet produced a breakout above resistance (PEG 0.14, quality 7.5/10, growth 10.0/10).
Engine technical detail
verdict_path:
L4:PATH_C2_GARP_WAITPassed (5)
- 8K:CLEAN
- NEWS_BOOST:ANALYST:0.50
- EARNINGS_PROXIMITY:33d clear
- SEMI_CYCLE_PEAK:CLEAR
- MATERIALS_CYCLE_PEAK:CLEAR
Failed (2)
- MOMENTUM:3.3<4.5
- ASYMMETRY:0.5<1.5@spot
Warning (1)
- INSIDER:0.15%=MODERATE
Reward-to-Risk
0.48
Upside
+7.2%
Downside
15.0%
Sizing output
STARTER
SetupRange Bound — RSI 57 mid-range, Bollinger mid-band
EdgeTemporary headwind — High quality (7.5) with weak momentum (3.3)
SuitabilityAggressive — Beta 2.12>1.3, MCap $1.5B<$5B
Investment implication
The C-path quality+growth combination triggered the STRONG_BUY_WAIT verdict: quality 7.5 and growth 10.0 both clear their thresholds, with asymmetric R:R of 0.48 supporting the read.
The strongest dimensions are Growth at 10.0, Value at 8.6, and Sentiment at 7.6; the weakest are Momentum at 3.3, Insider at 3.4, and Risk (lower is worse) at 4.0. The V9 engine flagged 2 failed gates with 1 warning, producing an asymmetric reward-to-risk of 0.48 and an engine sizing output of STARTER.