ATLC
AtlanticusANasdaq / Financial Services
Last Price
At close
2026-06-02
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 +1.8.
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
91
Value
52
Sentiment
53
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $84.00 · Bull $94.00 · Bear $72.00
Data freshness
Prices
As of 2026-06-02
Fundamentals
As of 2026-06-02 • Vendor: Data Vendor v1
Scores
As of 2026-06-02 • Model: HYBRID_IC_RP
AI Memo
As of 2026-05-08 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-06-02
Investment thesis
As of 2026-06-02
Supporting evidence
What
Grade A · Constructive
Confidence Medium · Net Neutral
Target $91.60
Why
Momentum91 · Δ7d +1.8
Value52 · Δ7d -0.6
Sentiment53 · Δ7d +3.7
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Lead driver: Momentum · See technicals
Momentum
91
34% active weight
Current posture
7d trendSoftening
Δ7d
+1.8
Δ21d
-2.9
Value
52
32% active weight
Current posture
7d trendFlat
Δ7d
-0.6
Δ21d
-1.2
Sentiment
53
33% active weight
Current posture
7d trendImproving
Δ7d
+3.7
Δ21d
+5.7
Why this grade
Composite grade A. Momentum 90.7 / Value 52.0 / Sentiment 53.0
Fundamentals (TTM)As of 2026-06-02
Fundamentals (TTM)
As of 2026-06-02
Market Cap
$1.26B
Beta
1.96
Shares Out
15.14M
P/E (TTM)
11.8
P/S (TTM)
1.38
P/FCF (TTM)
2.14
Rev YoY
+47.7%
EPS YoY
-4.4%
Gross Margin
+50.4%
Op Margin
+21.0%
Net Debt
$2.11B
Current Ratio
-
As of 2026-06-02 • Updated nightlySource: Internal modelMethodology