Nama's AI scorecard currently rates Atlanticus Buy (7.9 out of 10), a call computed from its profitability, cash generation, growth, valuation and balance sheet. It is a research reading, not investment advice.

What is ATLC's P/E ratio?

Atlanticus trades at a trailing price-to-earnings ratio of 8.7.

When does ATLC report earnings?

Atlanticus's next scheduled report is on Mar 11, 2027. Analysts expect EPS of $2.29.

What is the ATLC price target?

The median analyst price target from 5 analysts is $120.00, with a range of $110.00 – $179.00.

Is ATLC Shariah compliant?

Nama's AAOIFI-style screen reads Atlanticus as Not Shariah Compliant. At least one of the three ratios or the industry test failed.

Nama Insights

Atlanticus (ATLC)

Financial Services · Credit Services · NASDAQ

Atlanticus (ATLC) is a Financial Services company in the Credit Services industry. It has a market capitalization of $1.38B and a trailing price-to-earnings ratio of 8.7. Over the most recent reported fiscal year, revenue grew 34.5%. Nama's AI scorecard rates it Buy, 7.9 out of 10. On 12-month momentum it ranks in the leading band of its market.

AI scorecard

Buy · 7.9/10

Clearly positive, short of the top band. As of Nov 7, 2026.

Momentum

Leading · +68.6% over 12 months ex. last

Top 20% of its market on the past year's steady rise.

Shariah screen

Not Shariah Compliant

At least one of the three ratios or the industry test failed.

Off its high

-20.2%

How far the last close sits under the highest price of the past five years.

Market cap	$1.38B
Trailing P/E	8.7
Price / book	2.0
Price / sales	1.9
FCF yield	—
Dividend yield	—
Gross margin	73.0%
Operating margin	29.5%
Net margin	21.1%
Revenue growth (YoY)	+34.5%
Revenue growth (3-yr annual)	+11.2%
EPS growth (YoY)	+24.9%
FCF/share growth (YoY)	—
Beta	2.0
Exchange	NASDAQ
Sector	Financial Services
Industry	Credit Services

ATLC earnings

Next report: Mar 11, 2027 (Q4 2026, EPS estimate $2.29). Beat the EPS estimate in 4 of 4 recent quarters.

Quarter	Reported	EPS	Estimate	Surprise	Revenue
Q3 2026	Nov 5, 2026	$3.99	$2.97	+34.3%	—
Q2 2026	Aug 6, 2026	$2.50	$2.38	+5.0%	$166.75M
Q1 2026	May 7, 2026	$2.23	$1.66	+34.3%	$146.39M
Q4 2025	Mar 12, 2026	$1.75	$1.57	+11.5%	$122.50M

ATLC analyst price target

Median target $120.00 from 5 analysts, ranging $110.00 – $179.00.

Credit Services peers

Ticker	Company	Market cap	P/E
V	Visa	$789.94B	31.8
MA	Mastercard	$568.62B	33.1
AXP	American Express	$215.24B	18.1
COF	Capital One Financial	$121.43B	9.7
PYPL	PayPal	$49.21B	11.0
SYF	Synchrony Financial	$23.99B	7.6
AFRM	Affirm	$22.98B	9.7
SOFI	SoFi Technologies	$21.02B	30.0

Explore live ATLC data on Nama Insights →

ATLC FAQ

Is ATLC a buy?: Nama's AI scorecard currently rates Atlanticus Buy (7.9 out of 10), a call computed from its profitability, cash generation, growth, valuation and balance sheet. It is a research reading, not investment advice.
What is ATLC's P/E ratio?: Atlanticus trades at a trailing price-to-earnings ratio of 8.7.
When does ATLC report earnings?: Atlanticus's next scheduled report is on Mar 11, 2027. Analysts expect EPS of $2.29.
What is the ATLC price target?: The median analyst price target from 5 analysts is $120.00, with a range of $110.00 – $179.00.
Is ATLC Shariah compliant?: Nama's AAOIFI-style screen reads Atlanticus as Not Shariah Compliant. At least one of the three ratios or the industry test failed.