AtlasClear Holdings, Inc. (ATCH) Fair Value 2026

ATCH · Capital Markets ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

5.1 /10

32 fundamental signals · 3 models active

Value Trap Risk

DANGER (75/100)

Quick Summary — As of 2026-10-07, AtlasClear Holdings, Inc. (ATCH) trades at $0.18, versus a $0.22 median fair value across its 3 active models — 22.5% above the current price. QOC: 5.1/10. Value Trap Risk: 75/100 (DANGER). 3/13 models active.

Key Facts

Ticker
ATCH
Price
$0.18
Quality Score
5.1/10
Value Trap Risk
75/100
Models Active
3/13
Last Updated
Strength: FTNN Topology suggests +45.0% upside with 8% confidence
Risk: Value Trap score of 75 suggests caution despite apparent undervaluation

Is AtlasClear Holdings, Inc. (ATCH) Undervalued or Overvalued in 2026?

According to CirclFi’s 3-model valuation engine, AtlasClear Holdings, Inc. (ATCH) appears undervalued as of : the median of 3 independent fair value estimates is $0.22, 22.5% above the current price of $0.18. Estimates range from $0.01 to $0.26. ATCH scores 5.1/10 on fundamental quality and 75/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -20.1% versus its own 13-model consensus, across 3,777 rated companies as of 2026-10-07. ATCH’s +22.5% gap is wider than that market norm, and the Capital Markets sector median is -30.9%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy AtlasClear Holdings, Inc. Stock in 2026? →

What Fair Value Does Each Model Give ATCH?

3 Intrinsic Value Models vs. Current Price ($0.18)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $0.01 -97.2%
Relative · Medium Conviction
 $0.22 +22.5%
Relative · Low Conviction
 $0.26 +45.0%

All Models Active

All 3 models are displayed above.

What Is ATCH's Fair Value Range?

Spread across 3 independent models · $0.01 to $0.26

CirclFi's 3 active models place AtlasClear Holdings, Inc. (ATCH) between $0.01 and $0.26 per share, a spread of 116% of the median. The median of that range — $0.22 — is the fair value CirclFi publishes for ATCH, against a current price of $0.18.

Low · ML-RIVHigh · FTNN
$0.01median $0.22$0.26
Where the range comes from
Most bearish modelML Residual Income$0.01
Most bullish modelFTNN Topology$0.26
Model agreement2 bullish · 1 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for ATCH. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on ATCH, not a CirclFi price target. How each model works →

What Is AtlasClear Holdings, Inc. (ATCH) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, our multi-model framework produces a cautiously optimistic read on AtlasClear Holdings, Inc. at $0.18. With an estimated intrinsic value of $0.22 and 2 of 3 models pointing higher, the median implied return is +22.5%. The most optimistic model, FTNN, places fair value at $0.26 (+45.0%), while ML-RIV — the most conservative — estimates $0.01 (-97.2%). This +142.1% gap reflects genuine analytical uncertainty about AtlasClear Holdings, Inc.'s intrinsic worth.

What Do the Models Say About ATCH?

3 of 13 models are currently active for ATCH. Of these, 2 models suggest upside while 1 model suggests overvaluation. Taken together, their median fair value for ATCH is $0.22 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does ATCH Rank in Capital Markets?

Among 103 Capital Markets stocks, ATCH ranks #68 by Quality of Company score. CirclFi's QOC score of 5.1/10 evaluates 32 fundamental signals. A score of 5.1 reflects mixed fundamentals.

See all Most Undervalued Capital Markets Stocks →

AtlasClear Holdings, Inc.'s positioning within the Capital Markets segment means that non-performing loan ratio plays an outsized role in fundamental analysis. The sector's unique characteristics — including interest rate environment — shape both the opportunity set and risk profile.

Is ATCH a Value Trap?

CirclFi's Value Trap algorithm assigns ATCH a score of 75/100 (DANGER). This is a high-risk signal. Deteriorating fundamentals suggest the discount may be justified. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

3 of 13 models are active for AtlasClear Holdings, Inc.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, AtlasClear Holdings, Inc. earns a quality score of 5.1/10. This mixed rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency. However, our Value Trap algorithm flags elevated risk — suggesting that apparent cheapness may mask deteriorating fundamentals.

The gap between the most bullish and bearish model spans +142.1% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every ATCH valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across ATCH's 3 active models, average confidence is 38%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy AtlasClear Holdings, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Capital Markets Stocks Should You Also Analyze?

11 related Capital Markets stocks with 13-model coverage

VIPVulcan Infrastructure and Power Inc.QOC 5.2TAOXTAO Synergies Inc.QOC 5.1AUCATIF Holdings LimitedQOC 5.2STKESol Strategies Inc.QOC 5.1BTBTBit Digital, Inc.QOC 5.3ARBKArgo Blockchain plcQOC 5.0SONMDNA X, Inc.QOC 3.1VIRTVirtu Financial, Inc.QOC 7.9FUFUBitFuFu Inc.QOC 6.2FUTUFutu Holdings LimitedQOC 9.8HOODRobinhood Markets, Inc.QOC 9.7

Read investment analysis: VIP · TAOX · AUC · STKE · BTBT · ARBK · SONM · VIRT · FUFU · FUTU · HOOD

Which Other Stocks Have a Similar Quality Score to ATCH?

7 companies across all industries closest to ATCH’s Quality of Company score of 5.1/10.

GLGIGreystone Logistics, Inc.QOC 5.1WWRWestwater Resources, Inc.QOC 5.1AIRJAirJoule Technologies CorporationQOC 5.1APHPAmerican Picture House CorporationQOC 5.1SNDASonida Senior Living, Inc.QOC 5.1BETRBetter Home & Finance Holding CompanyQOC 5.1NVDANVIDIA CorporationQOC 10.0

Read investment analysis: GLGI · WWR · AIRJ · APHP · SNDA · BETR · NVDA

Where Does ATCH Sit in CirclFi's Capital Markets Rankings?

ATCH is ranked against every other Capital Markets stock CirclFi covers in each of these screens.

See all Capital Markets stocks ranked →

What Else Do Investors Ask About AtlasClear Holdings, Inc.’s Valuation?

What is AtlasClear Holdings, Inc.'s intrinsic value in 2026?

CirclFi puts AtlasClear Holdings, Inc. (ATCH)'s intrinsic value at $0.22 — the median of 3 independent model estimates as of 2026-10-07, ranging from $0.01 to $0.26. The Quality of Company score is 5.1/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is ATCH overvalued or undervalued right now?

At $0.18, 2 of 3 active models suggest ATCH may be undervalued, while 1 indicate potential overvaluation. The median of all 3 fair value estimates is $0.22, 22.5% above the current price of $0.18 — a consensus view that ATCH is undervalued. The assessment depends on which methodology best fits AtlasClear Holdings, Inc.'s business model in Capital Markets.

What does a Quality of Company score of 5.1 mean for ATCH?

AtlasClear Holdings, Inc.'s QOC of 5.1/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores between 5-7 reflect moderate fundamentals with areas for improvement.

How many valuation models does CirclFi run on ATCH?

CirclFi analyzes ATCH with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 3 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on ATCH?

Of the 3 models currently active on ATCH, FTNN Topology is the most bullish at $0.26 per share, and ML Residual Income is the most bearish at $0.01. CirclFi's published fair value for ATCH is the median of that range, $0.22, not either extreme. The gap between the two ends equals 116% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is ATCH a value trap in 2026?

AtlasClear Holdings, Inc.'s Value Trap score is 75/100 (DANGER). This elevated score suggests the stock may look undervalued but faces deteriorating fundamentals — declining margins, rising debt, or shrinking revenue could make the apparent discount deceptive. Browse our ranked stock lists to compare value-trap scores across industries.

Cite this analysis — “According to CirclFi’s 3-model valuation engine, AtlasClear Holdings, Inc. (ATCH) has a median fair value of $0.22 — 22.5% above the current price of $0.18 — as of 2026-10-07.” Source: circlfi.com/stock/ATCH/ · Methodology
Primary sources for this ATCH valuation
  • Financial statements: AtlasClear Holdings, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001963088) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for ATCH as of ; valuations recomputed .