What Is Atlanticus Holdings Corporation (ATLC) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, Atlanticus Holdings Corporation's intrinsic value is estimated at a composite fair value of $136.18. While the stock appears modestly undervalued at $96.61 (implied upside of +41.0%), our analysis suggests a thinner margin of safety across 7 of 12 bullish models. Notably, Bayesian DCF sees the most upside at +385.1% (fair value: $468.65), while Markov DDM is the most conservative at -74.5% ($24.62). The spread between these extremes — +459.6% — reveals how different analytical frameworks can reach starkly different conclusions.
What Do the Models Say About ATLC?
12 of 13 models are currently active for ATLC. Of these, 7 models suggest upside while 5 models suggest overvaluation. The Bayesian DCF estimates ATLC's intrinsic value at $468.65, implying +385.1% upside from the current price. See which stocks rank higher →
How Does ATLC Rank in Personal Credit Institutions?
Among 15 Personal Credit Institutions stocks, ATLC ranks #4 by Quality of Company score. CirclFi's QOC score of 7.8/10 evaluates 32 fundamental signals. A score of 7.8 indicates above-average quality.
The Personal Credit Institutions sector introduces analytical considerations specific to financial institution businesses. For Atlanticus Holdings Corporation, metrics like return on tangible equity provide important context that general-purpose valuation models may underweight.
Is ATLC a Value Trap?
CirclFi's Value Trap algorithm assigns ATLC a score of 27/100 (LOW). This indicates low risk. The financial profile does not exhibit typical value trap warning signs. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
12 of 13 models are active for Atlanticus Holdings Corporation. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi Deep Alpha Valuation Engine, Atlanticus Holdings Corporation scores 7.8 out of 10 on our 32-signal quality assessment, a strong rating that demonstrates strong fundamentals across the majority of our quality signals. The QOC score synthesizes profitability margins, revenue growth reliability, debt management, and capital allocation into a single metric designed to separate durable businesses from statistically cheap ones.
The gap between the most bullish and bearish model spans +459.6% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every ATLC 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 ATLC's 12 active models, average confidence is 41%. 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 →
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