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ATLC

AtlanticusA
Nasdaq / Financial Services
Last Price
At close
2026-07-18
View Chart
Current thesis
The post-earnings bull case is that ATLC delivered a real step-up quarter: revenue nearly doubled year over year, diluted EPS rose to $2.23, Mercury added substantial receivable and revenue scale, and management still described attractive returns on assets and muted delinquency pressure from the acquired book [#10-Q-2026-05-07]. That supports a more constructive monitoring stance than the prior baseline, but not a high-conviction upgrade by itself.
Posture
Constructive
Lead driver
Momentum
What changed
Momentum remains the lead driver in the composite, 7D delta -2.5.
What can break
Credit normalization may be less favorable than the headline print implies, as management expects only minimal 2026 improvement in combined principal net charge-off ratios and some planned broadening of product offerings could lift delinquency rates [#10-Q-2026-05-07].
Momentum
92
Value
57
Sentiment
42
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $84.00 · Bull $94.00 · Bear $72.00
Data freshness
Prices
As of 2026-07-18
Fundamentals
As of 2026-07-17 • Vendor: Data Vendor v1
Scores
As of 2026-07-18 • Model: HYBRID_IC_RP
AI Memo
As of 2026-05-08 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-07-18
Supporting evidence
What
Grade A · Constructive
Confidence Medium · Net Neutral
Target $129.00
Why
Momentum92 · Δ7d -2.5
Value57 · Δ7d +0.0
Sentiment42 · Δ7d -3.4
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Lead driver: Momentum · See technicals
Momentum
92
26% active weight
Current posture
7d trendFlat
Δ7d
-2.5
Δ21d
-4.3
Value
57
39% active weight
Current posture
7d trendFlat
Δ7d
+0.0
Δ21d
+1.9
Sentiment
42
34% active weight
Current posture
7d trendSoftening
Δ7d
-3.4
Δ21d
+5.9
Why this grade

Composite grade A. Momentum 91.6 / Value 56.8 / Sentiment 42.4

Fundamentals (TTM)
As of 2026-07-17
Market Cap
$1.52B
Beta
1.96
Shares Out
15.12M
P/E (TTM)
11.8
P/S (TTM)
1.38
P/FCF (TTM)
2.14
Rev YoY
+96.9%
EPS YoY
+50.2%
Gross Margin
+92.1%
Op Margin
+21.0%
Net Debt
$5.78B
Current Ratio
1.59
As of 2026-07-18 • Updated nightlySource: Internal modelMethodology