60.82 USD
+0.23 (+0.37%)
60.82 USD
0 (0%)
ATLC gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 54 industry peers in the Consumer Finance industry. ATLC has a medium profitability rating, but doesn't score so well on its financial health evaluation. 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.
- In the past year ATLC had a positive cash flow from operations.
- In the past 5 years ATLC has always been profitable.
- ATLC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- ATLC has a worse Return On Assets (1.49%) than 61.11% of its industry peers.
- The Return On Equity of ATLC (16.73%) is better than 61.11% of its industry peers.
- ATLC has a Return On Invested Capital of 1.83%. This is comparable to the rest of the industry: ATLC outperforms 46.30% 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 12.42%.
| 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
- ATLC's Profit Margin of 14.39% is in line compared to the rest of the industry. ATLC outperforms 57.41% of its industry peers.
- ATLC's Profit Margin has improved in the last couple of years.
- ATLC has a better Operating Margin (20.97%) than 66.67% of its industry peers.
- ATLC's Operating Margin has improved in the last couple of years.
- ATLC has a Gross Margin of 50.44%. This is comparable to the rest of the industry: ATLC outperforms 50.00% 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
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so 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
- 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 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.
- ATLC's Debt to FCF ratio of 12.37 is in line compared to the rest of the industry. ATLC outperforms 51.85% of its industry peers.
- A Debt/Equity ratio of 9.59 is on the high side and indicates that ATLC has dependencies on debt financing.
- Looking at the Debt to Equity ratio, with a value of 9.59, ATLC is doing worse than 83.33% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 9.59 | ||
| Debt/FCF | 12.37 | ||
| Altman-Z | 0.36 |
ROIC/WACC0.23
WACC7.94%
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 (1.15) which is in line with 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
- 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.
- 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%.
- Measured over the past years, ATLC shows a quite strong growth in Revenue. The Revenue has been growing by 10.83% on average per year.
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 35.57% on average over the next years. This is a very strong growth
- ATLC is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 36.35% yearly.
EPS Next Y25.6%
EPS Next 2Y38.22%
EPS Next 3Y35.57%
EPS Next 5YN/A
Revenue Next Year50.56%
Revenue Next 2Y55.6%
Revenue Next 3Y36.35%
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.
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- ATLC is valuated reasonably with a Price/Earnings ratio of 10.80.
- 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 27.38, which is the current average of the S&P500 Index.
- A Price/Forward Earnings ratio of 6.67 indicates a rather cheap valuation of ATLC.
- ATLC's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. ATLC is cheaper than 77.78% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 24.29. ATLC is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.8 | ||
| Fwd PE | 6.67 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of ATLC indicates a slightly more expensive valuation: ATLC is more expensive than 61.11% of the companies listed in the same industry.
- Based on the Price/Free Cash Flow ratio, ATLC is valued cheaper than 85.19% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.89 | ||
| EV/EBITDA | 40.68 |
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.
- ATLC's earnings are expected to grow with 35.57% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.42
PEG (5Y)0.47
EPS Next 2Y38.22%
EPS Next 3Y35.57%
5. Dividend
5.1 Amount
- No dividends for ATLC!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
60.82
+0.23 (+0.37%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-10 2025-11-10/bmo
Earnings (Next)03-11 2026-03-11/amc
Inst Owners23.48%
Inst Owner Change0.01%
Ins Owners37.69%
Ins Owner Change0.41%
Market Cap920.81M
Revenue(TTM)731.21M
Net Income(TTM)105.26M
Analysts85
Price Target88.4 (45.35%)
Short Float %8.63%
Short Ratio6.2
Dividend
| Industry Rank | Sector 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)0.97%
PT rev (3m)2.56%
EPS NQ rev (1m)0.86%
EPS NQ rev (3m)-6.9%
EPS NY rev (1m)0.17%
EPS NY rev (3m)-3.69%
Revenue NQ rev (1m)1.49%
Revenue NQ rev (3m)10.05%
Revenue NY rev (1m)0.1%
Revenue NY rev (3m)18.03%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.8 | ||
| Fwd PE | 6.67 | ||
| P/S | 1.26 | ||
| P/FCF | 1.89 | ||
| P/OCF | 1.86 | ||
| P/B | 1.46 | ||
| P/tB | 1.54 | ||
| EV/EBITDA | 40.68 |
EPS(TTM)5.63
EY9.26%
EPS(NY)9.11
Fwd EY14.98%
FCF(TTM)32.22
FCFY52.98%
OCF(TTM)32.65
OCFY53.68%
SpS48.3
BVpS41.57
TBVpS39.46
PEG (NY)0.42
PEG (5Y)0.47
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
WACC7.94%
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 Y25.6%
EPS Next 2Y38.22%
EPS Next 3Y35.57%
EPS Next 5YN/A
Revenue 1Y (TTM)36.98%
Revenue growth 3Y2.98%
Revenue growth 5Y10.83%
Sales Q2Q%40.84%
Revenue Next Year50.56%
Revenue Next 2Y55.6%
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 7 / 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 25.6% 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%.