55.67 USD
+1.13 (+2.07%)
ATLC gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals 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. ATLC is growing strongly while it also seems undervalued. This is an interesting combination
1. Profitability
1.1 Basic Checks
In the past year ATLC was profitable.
In the past year ATLC had a positive cash flow from operations.
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
ATLC has a Return On Assets (1.49%) which is in line with its industry peers.
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's Return On Invested Capital of 1.83% is in line compared to the rest of the industry. ATLC outperforms 49.09% of its industry peers.
The Average Return On Invested Capital over the past 3 years 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.
In the last couple of years the Profit Margin of ATLC has grown nicely.
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.
ATLC has a Gross Margin (50.44%) which 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so ATLC is destroying value.
ATLC has more shares outstanding than it did 1 year ago.
The number of shares outstanding for ATLC has been reduced compared to 5 years ago.
Compared to 1 year ago, ATLC has a worse debt to assets ratio.
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.
ATLC has a Altman-Z score (0.36) which is comparable to the rest of the 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.
Looking at the Debt to FCF ratio, with a value of 12.37, ATLC is in line with its industry, outperforming 49.09% of the companies in the same industry.
A Debt/Equity ratio of 9.59 is on the high side and indicates that ATLC has dependencies on debt financing.
ATLC has a worse Debt to Equity ratio (9.59) than 85.45% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 9.59 | ||
| Debt/FCF | 12.37 | ||
| Altman-Z | 0.36 |
ROIC/WACC0.23
WACC7.98%
2.3 Liquidity
A Current Ratio of 1.15 indicates that ATLC should not have too much problems paying its short term obligations.
The Current ratio of ATLC (1.15) is comparable to the rest of the industry.
A Quick Ratio of 1.15 indicates that ATLC should not have too much problems paying its short term obligations.
Looking at the Quick ratio, with a value of 1.15, ATLC is in line with its industry, outperforming 50.91% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.15 | ||
| Quick Ratio | 1.15 |
3. Growth
3.1 Past
ATLC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 27.66%, which is quite impressive.
ATLC shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 22.82% yearly.
The Revenue has grown by 36.98% in the past year. This is a very strong growth!
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
Based on estimates for the next years, ATLC will show a very strong growth in Earnings Per Share. The EPS will grow by 39.05% on average per year.
ATLC is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 35.51% yearly.
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
ATLC is valuated reasonably with a Price/Earnings ratio of 9.89.
Based on the Price/Earnings ratio, ATLC is valued a bit cheaper than 61.82% of the companies in the same industry.
ATLC is valuated cheaply when we compare the Price/Earnings ratio to 25.47, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 6.51 indicates a rather cheap valuation of ATLC.
Based on the Price/Forward Earnings ratio, ATLC is valued a bit cheaper than 78.18% of the companies in the same industry.
ATLC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.89 | ||
| Fwd PE | 6.51 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of ATLC is on the same level as its industry peers.
Based on the Price/Free Cash Flow ratio, ATLC is valued cheaply inside the industry as 85.45% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.73 | ||
| EV/EBITDA | 40.09 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
The decent profitability rating of ATLC 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)0.32
PEG (5Y)0.43
EPS Next 2Y33.91%
EPS Next 3Y39.05%
5. Dividend
5.1 Amount
ATLC does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NASDAQ:ATLC (11/24/2025, 1:32:28 PM)
55.67
+1.13 (+2.07%)
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 Cap842.29M
Revenue(TTM)731.21M
Net Income(TTM)105.26M
Analysts85
Price Target87.55 (57.27%)
Short Float %7.36%
Short Ratio4.9
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)-9.2%
EPS NQ rev (3m)-5.11%
EPS NY rev (1m)0.03%
EPS NY rev (3m)0.63%
Revenue NQ rev (1m)9.13%
Revenue NQ rev (3m)75.53%
Revenue NY rev (1m)0.05%
Revenue NY rev (3m)20.1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.89 | ||
| Fwd PE | 6.51 | ||
| P/S | 1.15 | ||
| P/FCF | 1.73 | ||
| P/OCF | 1.7 | ||
| P/B | 1.34 | ||
| P/tB | 1.41 | ||
| EV/EBITDA | 40.09 |
EPS(TTM)5.63
EY10.11%
EPS(NY)8.55
Fwd EY15.36%
FCF(TTM)32.24
FCFY57.92%
OCF(TTM)32.67
OCFY58.69%
SpS48.33
BVpS41.6
TBVpS39.49
PEG (NY)0.32
PEG (5Y)0.43
Graham Number72.59
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
WACC7.98%
ROIC/WACC0.23
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 9.89 and the Price/Book (PB) ratio is 1.34.
How financially healthy is ATLANTICUS HOLDINGS CORP?
The financial health rating of ATLANTICUS HOLDINGS CORP (ATLC) is 3 / 10.