59.64 USD
+0.06 (+0.1%)
59.64 USD
0 (0%)
Taking everything into account, ATLC scores 6 out of 10 in our fundamental rating. ATLC was compared to 55 industry peers in the Consumer Finance industry. There are concerns on the financial health of ATLC while its profitability can be described as average. 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
ATLC had positive earnings in the past year.
ATLC had a positive operating cash flow in the past year.
In the past 5 years ATLC has always been profitable.
In the past 5 years ATLC always reported a positive cash flow from operatings.
1.2 Ratios
ATLC has a Return On Assets of 1.49%. This is comparable to the rest of the industry: ATLC outperforms 43.64% of 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.
Looking at the Return On Invested Capital, with a value of 1.83%, ATLC is in line with its industry, outperforming 49.09% of the companies in the same 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 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.
Looking at the Operating Margin, with a value of 20.97%, ATLC is in the better half of the industry, outperforming 67.27% of the companies in the same industry.
In the last couple of years the Operating Margin of ATLC has grown nicely.
ATLC's Gross Margin of 50.44% is in line compared to the rest of the industry. ATLC outperforms 50.91% of its industry peers.
In the last couple of years the Gross Margin of ATLC has declined.
| 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.
The number of shares outstanding for ATLC has been increased compared to 1 year ago.
Compared to 5 years ago, ATLC has less shares outstanding
The debt/assets ratio for ATLC is higher compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.36, we must say that ATLC is in the distress zone and has some risk of bankruptcy.
ATLC's Altman-Z score of 0.36 is in line compared to the rest of the industry. ATLC outperforms 45.45% of its industry peers.
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 49.09% 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.
ATLC has a Debt to Equity ratio of 9.59. This is amonst the worse of the industry: ATLC underperforms 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
WACC8.19%
2.3 Liquidity
A Current Ratio of 1.15 indicates that ATLC should not have too much problems paying its short term obligations.
ATLC's Current ratio of 1.15 is in line compared to the rest of the industry. ATLC outperforms 49.09% of its industry peers.
A Quick Ratio of 1.15 indicates that ATLC should not have too much problems paying its short term obligations.
ATLC has a Quick ratio (1.15) which 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.
The Revenue has grown by 36.98% in the past year. This is a very strong growth!
The Revenue has been growing by 10.83% on average over the past years. This is quite good.
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 39.05% yearly.
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
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.
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
The Price/Earnings ratio is 10.59, which indicates a very decent valuation of ATLC.
ATLC's Price/Earnings is on the same level as the industry average.
ATLC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.46.
Based on the Price/Forward Earnings ratio of 6.97, 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.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.10, ATLC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.59 | ||
| Fwd PE | 6.97 |
4.2 Price Multiples
ATLC's Enterprise Value to EBITDA ratio is in line with the industry average.
Based on the Price/Free Cash Flow ratio, ATLC is valued cheaply inside the industry as 83.64% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.85 | ||
| EV/EBITDA | 40.56 |
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)0.35
PEG (5Y)0.46
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 |
59.64
+0.06 (+0.1%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners23.38%
Inst Owner Change7.78%
Ins Owners37.66%
Ins Owner Change-0.01%
Market Cap902.95M
Revenue(TTM)731.21M
Net Income(TTM)105.26M
Analysts85
Price Target87.55 (46.8%)
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 | 10.59 | ||
| Fwd PE | 6.97 | ||
| P/S | 1.23 | ||
| P/FCF | 1.85 | ||
| P/OCF | 1.83 | ||
| P/B | 1.43 | ||
| P/tB | 1.51 | ||
| EV/EBITDA | 40.56 |
EPS(TTM)5.63
EY9.44%
EPS(NY)8.55
Fwd EY14.34%
FCF(TTM)32.22
FCFY54.03%
OCF(TTM)32.65
OCFY54.74%
SpS48.3
BVpS41.57
TBVpS39.46
PEG (NY)0.35
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
WACC8.19%
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 10.59 and the Price/Book (PB) ratio is 1.43.
How financially healthy is ATLANTICUS HOLDINGS CORP?
The financial health rating of ATLANTICUS HOLDINGS CORP (ATLC) is 3 / 10.