58.65 USD
+2.05 (+3.62%)
58.65 USD
0 (0%)
Overall ATLC gets a fundamental rating of 6 out of 10. We evaluated ATLC against 55 industry peers in the Consumer Finance industry. While ATLC is still in line with the averages on profitability rating, there are concerns on its financial health. An interesting combination arises when we look at growth and value: ATLC is growing strongly while it also seems undervalued.
1. Profitability
1.1 Basic Checks
In the past year ATLC was profitable.
ATLC had a positive operating cash flow in the past year.
ATLC had positive earnings in each of the past 5 years.
In the past 5 years ATLC always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.49%, ATLC is in line with its industry, outperforming 43.64% of the companies in the same industry.
With a decent Return On Equity value of 16.73%, ATLC is doing good in the industry, outperforming 65.45% of the companies in the same industry.
ATLC has a Return On Invested Capital of 1.83%. This is comparable to the rest of the industry: ATLC outperforms 49.09% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for ATLC is significantly below the industry average of 11.33%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.49% | ||
| ROE | 16.73% | ||
| ROIC | 1.83% |
ROA(3y)3.39%
ROA(5y)4.91%
ROE(3y)17.73%
ROE(5y)25.03%
ROIC(3y)4.28%
ROIC(5y)6.32%
1.3 Margins
With a decent Profit Margin value of 14.39%, ATLC is doing good in the industry, outperforming 61.82% of the companies in the same industry.
ATLC's Profit Margin has improved in the last couple of years.
The Operating Margin of ATLC (20.97%) is better than 67.27% of its industry peers.
ATLC's Operating Margin has improved in the last couple of years.
The Gross Margin of ATLC (50.44%) is comparable to the rest of the industry.
ATLC's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 20.97% | ||
| PM (TTM) | 14.39% | ||
| GM | 50.44% |
OM growth 3Y-20.12%
OM growth 5Y21.12%
PM growth 3Y-19.87%
PM growth 5Y15.61%
GM growth 3Y-11.81%
GM growth 5Y-6.11%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), ATLC is destroying value.
Compared to 1 year ago, ATLC has more shares outstanding
ATLC has less shares outstanding than it did 5 years ago.
ATLC has a worse debt/assets ratio than last year.
2.2 Solvency
ATLC has an Altman-Z score of 0.36. This is a bad value and indicates that ATLC is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.36, ATLC is in line with its industry, outperforming 45.45% of the companies in the same industry.
The Debt to FCF ratio of ATLC is 12.37, which is on the high side as it means it would take ATLC, 12.37 years of fcf income to pay off all of its debts.
ATLC has a Debt to FCF ratio (12.37) which is comparable to the rest of the industry.
ATLC has a Debt/Equity ratio of 9.59. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of ATLC (9.59) is worse than 85.45% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 9.59 | ||
| Debt/FCF | 12.37 | ||
| Altman-Z | 0.36 |
ROIC/WACC0.22
WACC8.14%
2.3 Liquidity
ATLC has a Current Ratio of 1.15. This is a normal value and indicates that ATLC is financially healthy and should not expect problems in meeting its short term obligations.
The Current ratio of ATLC (1.15) is comparable to the rest of the industry.
ATLC has a Quick Ratio of 1.15. This is a normal value and indicates that ATLC is financially healthy and should not expect problems in meeting its short term obligations.
The Quick ratio of ATLC (1.15) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.15 | ||
| Quick Ratio | 1.15 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 27.66% over the past year.
Measured over the past years, ATLC shows a very strong growth in Earnings Per Share. The EPS has been growing by 22.82% on average per year.
ATLC shows a strong growth in Revenue. In the last year, the Revenue has grown by 36.98%.
ATLC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.83% yearly.
EPS 1Y (TTM)27.66%
EPS 3Y-14.56%
EPS 5Y22.82%
EPS Q2Q%-4.72%
Revenue 1Y (TTM)36.98%
Revenue growth 3Y2.98%
Revenue growth 5Y10.83%
Sales Q2Q%40.84%
3.2 Future
The Earnings Per Share is expected to grow by 39.05% on average over the next years. This is a very strong growth
Based on estimates for the next years, ATLC will show a very strong growth in Revenue. The Revenue will grow by 35.51% on average per year.
EPS Next Y30.62%
EPS Next 2Y33.91%
EPS Next 3Y39.05%
EPS Next 5YN/A
Revenue Next Year39.66%
Revenue Next 2Y37.78%
Revenue Next 3Y35.51%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 10.42 indicates a reasonable valuation of ATLC.
ATLC's Price/Earnings is on the same level as the industry average.
ATLC is valuated cheaply when we compare the Price/Earnings ratio to 26.37, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 6.86, the valuation of ATLC can be described as very cheap.
ATLC's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. ATLC is cheaper than 78.18% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of ATLC to the average of the S&P500 Index (36.20), we can say ATLC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.42 | ||
| Fwd PE | 6.86 |
4.2 Price Multiples
ATLC's Enterprise Value to EBITDA is on the same level as the industry average.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of ATLC indicates a rather cheap valuation: ATLC is cheaper than 83.64% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.82 | ||
| EV/EBITDA | 40.48 |
4.3 Compensation for Growth
ATLC's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
ATLC has a very decent profitability rating, which may justify a higher PE ratio.
ATLC's earnings are expected to grow with 39.05% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.34
PEG (5Y)0.46
EPS Next 2Y33.91%
EPS Next 3Y39.05%
5. Dividend
5.1 Amount
No dividends for ATLC!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
58.65
+2.05 (+3.62%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners21.89%
Inst Owner Change7.78%
Ins Owners37.6%
Ins Owner Change-0.01%
Market Cap887.96M
Revenue(TTM)731.21M
Net Income(TTM)105.26M
Analysts85
Price Target87.55 (49.28%)
Short Float %7.99%
Short Ratio5.35
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly Dividend1.74
Dividend Growth(5Y)29.87%
DP15.33%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.69%
Min EPS beat(2)-22.02%
Max EPS beat(2)20.63%
EPS beat(4)2
Avg EPS beat(4)1.64%
Min EPS beat(4)-22.02%
Max EPS beat(4)20.63%
EPS beat(8)6
Avg EPS beat(8)3.46%
EPS beat(12)8
Avg EPS beat(12)3.35%
EPS beat(16)9
Avg EPS beat(16)1.94%
Revenue beat(2)2
Avg Revenue beat(2)4.16%
Min Revenue beat(2)0.22%
Max Revenue beat(2)8.09%
Revenue beat(4)2
Avg Revenue beat(4)0.85%
Min Revenue beat(4)-2.55%
Max Revenue beat(4)8.09%
Revenue beat(8)3
Avg Revenue beat(8)-0.15%
Revenue beat(12)4
Avg Revenue beat(12)-5.92%
Revenue beat(16)4
Avg Revenue beat(16)-16.3%
PT rev (1m)1.58%
PT rev (3m)20.61%
EPS NQ rev (1m)-7.78%
EPS NQ rev (3m)-3.54%
EPS NY rev (1m)0.03%
EPS NY rev (3m)0.63%
Revenue NQ rev (1m)8.18%
Revenue NQ rev (3m)74.4%
Revenue NY rev (1m)0.05%
Revenue NY rev (3m)20.1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.42 | ||
| Fwd PE | 6.86 | ||
| P/S | 1.21 | ||
| P/FCF | 1.82 | ||
| P/OCF | 1.8 | ||
| P/B | 1.41 | ||
| P/tB | 1.49 | ||
| EV/EBITDA | 40.48 |
EPS(TTM)5.63
EY9.6%
EPS(NY)8.55
Fwd EY14.58%
FCF(TTM)32.22
FCFY54.94%
OCF(TTM)32.65
OCFY55.67%
SpS48.3
BVpS41.57
TBVpS39.46
PEG (NY)0.34
PEG (5Y)0.46
Graham Number72.56
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.49% | ||
| ROE | 16.73% | ||
| ROCE | 2.3% | ||
| ROIC | 1.83% | ||
| ROICexc | 1.95% | ||
| ROICexgc | 1.96% | ||
| OM | 20.97% | ||
| PM (TTM) | 14.39% | ||
| GM | 50.44% | ||
| FCFM | 66.72% |
ROA(3y)3.39%
ROA(5y)4.91%
ROE(3y)17.73%
ROE(5y)25.03%
ROIC(3y)4.28%
ROIC(5y)6.32%
ROICexc(3y)5.02%
ROICexc(5y)7.67%
ROICexgc(3y)5.02%
ROICexgc(5y)7.67%
ROCE(3y)5.4%
ROCE(5y)7.96%
ROICexgc growth 3Y-33.18%
ROICexgc growth 5Y3.48%
ROICexc growth 3Y-33.18%
ROICexc growth 5Y3.48%
OM growth 3Y-20.12%
OM growth 5Y21.12%
PM growth 3Y-19.87%
PM growth 5Y15.61%
GM growth 3Y-11.81%
GM growth 5Y-6.11%
F-Score4
Asset Turnover0.1
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 9.59 | ||
| Debt/FCF | 12.37 | ||
| Debt/EBITDA | 37.59 | ||
| Cap/Depr | 90.21% | ||
| Cap/Sales | 0.89% | ||
| Interest Coverage | 0.75 | ||
| Cash Conversion | 307.91% | ||
| Profit Quality | 463.47% | ||
| Current Ratio | 1.15 | ||
| Quick Ratio | 1.15 | ||
| Altman-Z | 0.36 |
F-Score4
WACC8.14%
ROIC/WACC0.22
Cap/Depr(3y)78.44%
Cap/Depr(5y)105.61%
Cap/Sales(3y)0.74%
Cap/Sales(5y)0.74%
Profit Quality(3y)476.8%
Profit Quality(5y)367.48%
High Growth Momentum
Growth
EPS 1Y (TTM)27.66%
EPS 3Y-14.56%
EPS 5Y22.82%
EPS Q2Q%-4.72%
EPS Next Y30.62%
EPS Next 2Y33.91%
EPS Next 3Y39.05%
EPS Next 5YN/A
Revenue 1Y (TTM)36.98%
Revenue growth 3Y2.98%
Revenue growth 5Y10.83%
Sales Q2Q%40.84%
Revenue Next Year39.66%
Revenue Next 2Y37.78%
Revenue Next 3Y35.51%
Revenue Next 5YN/A
EBIT growth 1Y18.5%
EBIT growth 3Y-17.74%
EBIT growth 5Y34.23%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y16.23%
FCF growth 3Y31.57%
FCF growth 5Y36.22%
OCF growth 1Y15.71%
OCF growth 3Y30.26%
OCF growth 5Y36.24%
ATLANTICUS HOLDINGS CORP / ATLC FAQ
What is the fundamental rating for ATLC stock?
ChartMill assigns a fundamental rating of 6 / 10 to ATLC.
Can you provide the valuation status for ATLANTICUS HOLDINGS CORP?
ChartMill assigns a valuation rating of 8 / 10 to ATLANTICUS HOLDINGS CORP (ATLC). This can be considered as Undervalued.
How profitable is ATLANTICUS HOLDINGS CORP (ATLC) stock?
ATLANTICUS HOLDINGS CORP (ATLC) has a profitability rating of 6 / 10.
What is the valuation of ATLANTICUS HOLDINGS CORP based on its PE and PB ratios?
The Price/Earnings (PE) ratio for ATLANTICUS HOLDINGS CORP (ATLC) is 10.42 and the Price/Book (PB) ratio is 1.41.
How financially healthy is ATLANTICUS HOLDINGS CORP?
The financial health rating of ATLANTICUS HOLDINGS CORP (ATLC) is 3 / 10.