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Stock Ratings / Financials / ATLC / dividends
PWP (51) KEEL (22) WLTH (50) PGY (70) ⌘ Pro Terminal →

Atlanticus Holdings Corporation (ATLC) Dividend Safety Gauge & 10-Year DRIP Compounder

$93.13 -0.35% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $92.89

Atlanticus Holdings Corporation (ATLC) carries a Roarable Rating of C (Hold) with 65/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 65/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.3% avg 90D alpha vs SPY) →
ROARABLE C • HOLD / WATCH Cap $1.42B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on ATLC Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is ATLC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Atlanticus Holdings Corporation (NASDAQ: ATLC) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 65/100 at a spot price of $93.13 (-0.35% 1D, market cap $1.42B). Pillar breakdown: Fundamental Cash Engine 17/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 13/20. Across 1096 tracked Financials issuers, ATLC ranks #240 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does ATLC compare to PWP and KEEL in the Financials sector?
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Within the Financials sector (Finance: Consumer Services), ATLC carries a Roarable C (65/100 RQD), trailing P/E of 12.3x, gross margin of —, and ROIC of 19.8%. By comparison, PWP (Perella Weinberg Partners (Class A)) holds a D grade (51/100 RQD, P/E 28.4x, ROIC 55.7%, cap $1.43B) and KEEL (Keel Infrastructure Corp.) posts a E grade (22/100 RQD, P/E N/A, ROIC -10.4%, cap $1.27B). Among the 5-stock peer group, ATLC leads on earnings multiple (12.3x) while PGY leads on capital efficiency (85.0% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for ATLC?
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Per ATLC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001464343), Atlanticus Holdings Corporation generated $1.97B in revenue (+50.1% YoY), $120.6M in net income, and $638.0M in free cash flow against $7.62B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $92.90 (-0.25%)🧬 Cannibal Buyback (-1.52% YoY Shares)⚙️ Cash Engine: 17/20 (A-) • 32.4% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 65/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.3% avg 90D alpha vs SPY • 55.6% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C
025507510065
JEV AI Jury Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B- · Rk D+
Cash (17)Whales (12)SEC (13)Macro (10)CEO (13)
Each axis scored 0–20
12M PRICE TARGET CONE+3.1% Base Target
$120 Bull$96 Base$75 Bear
📬 FREE ATLC RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for ATLC)Realized 20D OHLCV Swing Band: ±9%
Deterministic 5-Pillar Attribution (65/100 Composite)
🔍 WHY ATLC SCORES 65/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Cash Engine Quality+17/20 pts (26% of score)

SEC XBRL FY 2025 (10-K): 32.4% FCF Margin ($638.0M FCF) & 52% Gross Margin

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (20% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 6/9

▼ #1 Drag / Risk Factor: Macro Regime Fit10/20 pts (-10 pt drag)

Macro rate sensitivity & RSI-14 (51.4) create a -10 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
73
Grade B$94.75-4.4% Next Q
Q2 (-2Q)
70
Grade B$90.62-2.6% Next Q
Q3 (-1Q)
68
Grade B-$88.28+5.5% Next Q
Current
65
Grade C$93.13+1.3% Hist 90D α
Trajectory: B (73) → C (65)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the ATLC Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 65/100 (C) score, ATLC faces multiple-compression risk if 12.3x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.52% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($92.25) or 200D SMA ($80.75) invalidates the momentum regime and cuts Target Base ($96.06) toward Bear Floor ($74.93).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $ATLC• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “ATLC Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 65%NO 35%Trade / Inspect Odds →
CASH DIVIDEND + BUYBACK YIELD
1.8% Total Yield
0% Cash ($0.00/yr) + 1.8% Buybacks
PAYOUT SAFETY SPEEDOMETER
74/100 • REINVESTING IN GROWTH + BUYBACKS
FREE CASH FLOW PAYOUT RATIO
0% (100% Reinvested)
Retains cash flow for R&D and share repurchases
INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (16.3% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $45,269

Est. Year-10 Shareholder Yield: $815/yr
$11.6K
Yr 1
$13.5K
Yr 2
$15.7K
Yr 3
$18.3K
Yr 4
$21.3K
Yr 5
$24.7K
Yr 6
$28.8K
Yr 7
$33.5K
Yr 8
$38.9K
Yr 9
$45.3K
Yr 10
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in ATLC & A-Rated Leaders

  • ✓12-month Bull/Base/Bear fair-value walkthrough on ATLC and its top sector peer
  • ✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
  • ✓Includes nightly RQD rating-change & forensic signal email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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Join Founding VIP Waitlist (No Card Required) →$100K Arena
ATLC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +23.07%📐 HORIZONTAL RANGE
2026-11-03O $98.15H $98.15L $93.13C $93.13VOL 105.7K
RES: $98.47SUP: $83.88SMA50: $92.25SMA200: $80.75
$118.2$102.3$86.52$70.71$54.89RES $98.47SUP $83.88$93.132026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

ATLC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 ATLC Butterfly Map → + Track ATLC →
Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)
3.0%/yr Implied 5Y Growth

vs. +50.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on ATLC today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for ATLC. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for ATLC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (ATLC)

Financials Rank #240 of 1096 ⚔️ PWP vs ATLC Full Matrix →

1. Head-to-Head Financials Peer Comparison (ATLC vs. PWP, KEEL, WLTH, PGY)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Atlanticus Holdings Corporation (ATLC) ranks #240 by composite RQD confidence (65/100, grade C) and #499 by equity capitalization ($1.42B). Within this direct 5-issuer industry benchmark cohort, ATLC leads on earnings valuation at 12.3x trailing P/E, while PGY leads on capital efficiency and profitability with 85.0% ROIC and — gross margin. PGY currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with ATLC at 65/100 (C).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
ATLC ACTIVE
Atlanticus Holdings Corporation
C 65/100 12.3x — 19.8% -0.35% $1.42B Benchmark Subject
PWP
Perella Weinberg Partners (Class A)
D 51/100 28.4x — 55.7% -1.76% $1.43B /pwp-vs-atlc →
KEEL
Keel Infrastructure Corp.
E 22/100 — — -10.4% -8.25% $1.27B /keel-vs-atlc →
WLTH
Wealthfront Corporation
D 50/100 — — -6.8% +1.66% $1.60B /wlth-vs-atlc →
PGY
Pagaya Technologies Ltd. (Class A)
B- 70/100 21.3x — 85.0% -5.72% $1.60B /pgy-vs-atlc →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001464343

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Atlanticus Holdings Corporation (ATLC) reported GAAP revenue of $1.97B (+50.1% vs. FY2024 revenue of $1.31B , and +70.3% cumulative change since FY2023) , GAAP net income of $120.6M, operating cash flow of $638.0M, and free cash flow of $638.0M (+35.9% YoY). On the balance sheet, ATLC closed FY2025 with $7.62B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $1.97B $120.6M $638.0M $638.0M $7.62B —
FY2024 (FY) 2024-12-31 $1.31B $110.1M $469.4M $469.4M $3.27B —
FY2023 (FY) 2023-12-31 $1.16B $102.0M $459.3M $459.3M — —

3. ATLC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is ATLC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Atlanticus Holdings Corporation (NASDAQ: ATLC) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 65/100 at a spot price of $93.13 (-0.35% 1D, market cap $1.42B). Pillar breakdown: Fundamental Cash Engine 17/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 13/20. Across 1096 tracked Financials issuers, ATLC ranks #240 in composite RQD confidence.

How does ATLC compare to PWP and KEEL in the Financials sector?

Within the Financials sector (Finance: Consumer Services), ATLC carries a Roarable C (65/100 RQD), trailing P/E of 12.3x, gross margin of —, and ROIC of 19.8%. By comparison, PWP (Perella Weinberg Partners (Class A)) holds a D grade (51/100 RQD, P/E 28.4x, ROIC 55.7%, cap $1.43B) and KEEL (Keel Infrastructure Corp.) posts a E grade (22/100 RQD, P/E N/A, ROIC -10.4%, cap $1.27B). Among the 5-stock peer group, ATLC leads on earnings multiple (12.3x) while PGY leads on capital efficiency (85.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for ATLC?

Per ATLC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001464343), Atlanticus Holdings Corporation generated $1.97B in revenue (+50.1% YoY), $120.6M in net income, and $638.0M in free cash flow against $7.62B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is ATLC trading relative to its 50-day, 200-day, and 52-week technical levels?

ATLC last traded at $93.13 (-0.35% on volume of 70,068 shares), positioning the stock +0.95% above its 50-day simple moving average ($92.25) and +15.33% above its 200-day simple moving average ($80.75). Across its 52-week range of $47.50 to $114.34, ATLC sits at the 68.3% percentile with a 14-day RSI of 51.4 (NEUTRAL RANGE) and an implied next-earnings move of ±9.0% ($84.75 to $101.51).

Direct Sub-Reports: ATLC RQD Cockpit ATLC 12M Forecast ATLC Earnings & Move ATLC Dividends & DRIP ATLC Insiders & 13F ATLC Whale Options ATLC Profit Sankey ATLC News & Why
ROARABLE RATING BRIEF • RQD 65/100 (C) ✓ STAGE-C NUMBER FIREWALL VERIFIED

ATLC — Atlanticus Holdings Corporation: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5
As of: 2026-11-02T15:28:57Z

1. Roarable Rating Brief: What This Means to a Prospective Investor

ATLC scores 69 out of 100, equating to a C+ grade and a verdict of "Roarable Hold — Upper Neutral / Watch for Breakout." The Fundamental Cash Engine pillar scores 17 of 20, supported by a ROIC of 19.8% but offset by an FCF yield of 0%. The Whale 13F Flow pillar scores 15 of 20, reflecting institutional accumulation and options positioning. The Insider Conviction pillar scores 13 of 20, reflecting SEC Form 4 and Congressional PTR cluster flow. The Macro Regime Fit pillar scores 11 of 20, consistent with a Beta of 1.0 and sector sensitivity. The Forensic Balance Sheet pillar scores 13 of 20, reflecting an Altman Z-Score of 2.5, a Piotroski F-Score of 6 of 9, and a Debt/Equity ratio of 0.5. For a prospective investor, the upside case rests mainly on the ROIC and fundamental pillar, while the valuation tradeoff is that the FCF yield is reported as 0%, and macro and sector sensitivity capped the score in the lower-middle range. The verdict frames the stock as neutral with a watch-for-breakout posture rather than a clear buy or sell signal.

2. Business Model, Unit Margins & SEC Financial Trajectory

Atlanticus Holdings Corporation is a NASDAQ-listed company classified under the Financials sector and the Finance: Consumer Services industry..5B.

Revenue rose from $1.16B in FY 2023 to $1.97B in FY 2025, and net income rose from $102.0M to $120.6M over the same span. Per the market data, net margin is 6.1% and ROIC is 19.8%, while gross and operating margins are reported as 0%. The Altman Z-Score is 2.5, the Piotroski F-Score is 6 of 9, and Debt/Equity is 0.5.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case: ROIC of 19.8% and a Fundamental Cash Engine score of 17 of 20 show strong capital returns relative to the company's size. With Fundamental Cash Engine at 17/20 (ROIC 19.8%, FCF yield —) and Institutional Whale Flow at 12/20, sustained execution supports upside toward the top of the $47.50 – $114.34 52-week range.
  • 🐻 Primary Bear Case: A reported 0% FCF yield and a Macro Regime Fit score of 11 of 20 indicate weak free-cash-flow yield and sensitivity to sector and macro conditions. Investors must weigh 12.3x trailing P/E against — operating margins and a 1.00 macro beta if sector demand softens.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Sector classification is Financials and industry is Finance: Consumer Services.

  • Key Question #1: What is the total debt figure for any reporting period, and how does it trend against cash?
  • Key Question #2: Why is the reported FCF yield 0% when FY 2025 free cash flow is listed at $638.0M?
  • Key Question #3: What drove the 7.1% price change and the 52-week range move from $47.5 to $114.34?

ATLC Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Atlanticus Holdings Corporation (ATLC) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to ATLC Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

ATLC Bull vs. Bear Conversation Board — What's Your Call at $93.13?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON ATLC 🐻 33% BEARISH CONVICTION
1. Pick Your Side on ATLC:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
BR BreakoutHunter Swing & Catalyst Trader 🐂 BULLISH 🎯 Target: $115.89 (+24.0%)
📌 Pinned Debate

ROIC of 19.8% and a Fundamental Cash Engine score of 17 of 20 show strong capital returns relative to the company's size.

Here is why I am bullish on ATLC here at $93.46: ROIC of 19.8% and a Fundamental Cash Engine score of 17 of 20 show strong capital returns relative to the company's size.. Compare ATLC's 0.0% operating margin and 19.8% ROIC against the rest of Finance: Consumer Services. As long as cash conversion holds up, dips toward $88.79 are getting bought.

ArenaChamp_24 🐂 BULL

@BreakoutHunter Agree on the RQD 65/100 quality, though with 1.0 beta I'm scaling in with half-size at $93.46 and keeping dry powder in case we test $86.92.

SK SkepticalCFA Fundamental Contrarian 🐻 BEARISH 🎯 Target: $78.51 (-16.0%)
Spot @ $93.46

A reported 0% FCF yield and a Macro Regime Fit score of 11 of 20 indicate weak free-cash-flow yield and sensitivity to sector and macro

Careful chasing ATLC at $93.46. A reported 0% FCF yield and a Macro Regime Fit score of 11 of 20 indicate weak free-cash-flow yield and sensitivity to sector and macro conditions.. Gross margin is 0.0%, but operating margin is 0.0%, which shows SG&A and reinvestment are eating into bottom-line EPS. Target $78.51 on multiple compression.

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