ATLANTICUS HOLDINGS CORP (ATLC) Fundamental Analysis & Valuation

NASDAQ:ATLC • US04914Y1029

53.98 USD
+0.95 (+1.79%)
At close: Mar 3, 2026
53.98 USD
0 (0%)
After Hours: 3/3/2026, 8:00:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This ATLC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

5

Taking everything into account, ATLC scores 5 out of 10 in our fundamental rating. ATLC was compared to 54 industry peers in the Consumer Finance industry. There are concerns on the financial health of ATLC while its profitability can be described as average. ATLC is growing strongly while it also seems undervalued. This is an interesting combination


Dividend Valuation Growth Profitability Health

5

1. ATLC Profitability Analysis

1.1 Basic Checks

  • ATLC had positive earnings in the past year.
  • In the past year ATLC had a positive cash flow from operations.
  • In the past 5 years ATLC has always been profitable.
  • In the past 5 years ATLC always reported a positive cash flow from operatings.
ATLC Yearly Net Income VS EBIT VS OCF VS FCFATLC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M 300M 400M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.49%, ATLC is doing worse than 64.81% of the companies in the same industry.
  • ATLC has a Return On Equity of 16.73%. This is in the better half of the industry: ATLC outperforms 61.11% of its industry peers.
  • ATLC has a Return On Invested Capital (1.83%) which is comparable to the rest of the industry.
  • ATLC had an Average Return On Invested Capital over the past 3 years of 4.28%. This is significantly below the industry average of 12.27%.
Industry RankSector 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%
ATLC Yearly ROA, ROE, ROICATLC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50 -50 100 -100

1.3 Margins

  • With a Profit Margin value of 14.39%, ATLC perfoms like the industry average, outperforming 55.56% of the companies in the same industry.
  • In the last couple of years the Profit Margin of ATLC has grown nicely.
  • ATLC has a better Operating Margin (20.97%) than 66.67% of its industry peers.
  • In the last couple of years the Operating Margin of ATLC has grown nicely.
  • The Gross Margin of ATLC (50.44%) is comparable to the rest of the industry.
  • In the last couple of years the Gross Margin of ATLC has declined.
Industry RankSector 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%
ATLC Yearly Profit, Operating, Gross MarginsATLC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 60

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. ATLC Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), ATLC is destroying value.
  • ATLC has more shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, ATLC has less shares outstanding
  • ATLC has a worse debt/assets ratio than last year.
ATLC Yearly Shares OutstandingATLC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M
ATLC Yearly Total Debt VS Total AssetsATLC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

2.2 Solvency

  • ATLC has an Altman-Z score of 0.35. 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 0.35, ATLC is in line with its industry, outperforming 50.00% 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 of 12.37. This is comparable to the rest of the industry: ATLC outperforms 51.85% of its industry peers.
  • 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 83.33% of its industry peers.
Industry RankSector Rank
Debt/Equity 9.59
Debt/FCF 12.37
Altman-Z 0.35
ROIC/WACC0.24
WACC7.62%
ATLC Yearly LT Debt VS Equity VS FCFATLC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M 1B 1.5B 2B

2.3 Liquidity

  • A Current Ratio of 1.15 indicates that ATLC should not have too much problems paying its short term obligations.
  • ATLC has a Current ratio of 1.15. This is comparable to the rest of the industry: ATLC outperforms 50.00% of its industry peers.
  • A Quick Ratio of 1.15 indicates that ATLC should not have too much problems paying its short term obligations.
  • The Quick ratio of ATLC (1.15) is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 1.15
Quick Ratio 1.15
ATLC Yearly Current Assets VS Current LiabilitesATLC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

9

3. ATLC Growth Analysis

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.
  • The Earnings Per Share has been growing by 22.82% on average over the past years. This is a very strong growth
  • 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

  • ATLC is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 33.96% yearly.
  • The Revenue is expected to grow by 36.35% on average over the next years. This is a very strong growth
EPS Next Y24.88%
EPS Next 2Y36.66%
EPS Next 3Y33.96%
EPS Next 5YN/A
Revenue Next Year50.11%
Revenue Next 2Y55.43%
Revenue Next 3Y36.35%
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
ATLC Yearly Revenue VS EstimatesATLC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1B 2B 3B
ATLC Yearly EPS VS EstimatesATLC Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 2 4 6 8 10

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Find the best growth stocksShow best growing peers

8

4. ATLC Valuation Analysis

4.1 Price/Earnings Ratio

  • ATLC is valuated reasonably with a Price/Earnings ratio of 9.59.
  • The rest of the industry has a similar Price/Earnings ratio as ATLC.
  • Compared to an average S&P500 Price/Earnings ratio of 26.83, ATLC is valued rather cheaply.
  • ATLC is valuated cheaply with a Price/Forward Earnings ratio of 6.06.
  • ATLC's Price/Forward Earnings ratio is rather cheap when compared to the industry. ATLC is cheaper than 81.48% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 24.95. ATLC is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 9.59
Fwd PE 6.06
ATLC Price Earnings VS Forward Price EarningsATLC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, ATLC is valued a bit more expensive than 62.96% of the companies in the same industry.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of ATLC indicates a rather cheap valuation: ATLC is cheaper than 87.04% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 1.68
EV/EBITDA 39.95
ATLC Per share dataATLC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

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's earnings are expected to grow with 33.96% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.39
PEG (5Y)0.42
EPS Next 2Y36.66%
EPS Next 3Y33.96%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. ATLC Dividend Analysis

5.1 Amount

  • No dividends for ATLC!.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

ATLC Fundamentals: All Metrics, Ratios and Statistics

ATLANTICUS HOLDINGS CORP

NASDAQ:ATLC (3/3/2026, 8:00:01 PM)

After market: 53.98 0 (0%)

53.98

+0.95 (+1.79%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-10
Earnings (Next)03-18
Inst Owners23.48%
Inst Owner Change4.98%
Ins Owners37.69%
Ins Owner Change0.56%
Market Cap817.26M
Revenue(TTM)731.21M
Net Income(TTM)105.26M
Analysts85
Price Target93.43 (73.08%)
Short Float %9.4%
Short Ratio7.64
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)5.69%
PT rev (3m)6.72%
EPS NQ rev (1m)-1.92%
EPS NQ rev (3m)-1.08%
EPS NY rev (1m)-0.5%
EPS NY rev (3m)-4.39%
Revenue NQ rev (1m)-1.94%
Revenue NQ rev (3m)-1.34%
Revenue NY rev (1m)-0.3%
Revenue NY rev (3m)7.49%
Valuation
Industry RankSector Rank
PE 9.59
Fwd PE 6.06
P/S 1.12
P/FCF 1.68
P/OCF 1.65
P/B 1.3
P/tB 1.37
EV/EBITDA 39.95
EPS(TTM)5.63
EY10.43%
EPS(NY)8.91
Fwd EY16.5%
FCF(TTM)32.22
FCFY59.69%
OCF(TTM)32.65
OCFY60.48%
SpS48.3
BVpS41.57
TBVpS39.46
PEG (NY)0.39
PEG (5Y)0.42
Graham Number72.56
Profitability
Industry RankSector 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 RankSector 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 0.35
F-Score4
WACC7.62%
ROIC/WACC0.24
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 Y24.88%
EPS Next 2Y36.66%
EPS Next 3Y33.96%
EPS Next 5YN/A
Revenue 1Y (TTM)36.98%
Revenue growth 3Y2.98%
Revenue growth 5Y10.83%
Sales Q2Q%40.84%
Revenue Next Year50.11%
Revenue Next 2Y55.43%
Revenue Next 3Y36.35%
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 5 / 10 to ATLC.


What is the valuation status for ATLC stock?

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 5 / 10.


What is the earnings growth outlook for ATLANTICUS HOLDINGS CORP?

The Earnings per Share (EPS) of ATLANTICUS HOLDINGS CORP (ATLC) is expected to grow by 24.88% in the next year.


How sustainable is the dividend of ATLANTICUS HOLDINGS CORP (ATLC) stock?

The dividend rating of ATLANTICUS HOLDINGS CORP (ATLC) is 0 / 10 and the dividend payout ratio is 15.33%.