ATLANTICUS HOLDINGS CORP (ATLC) Stock Fundamental Analysis

NASDAQ:ATLC • US04914Y1029

52.83 USD
+0.96 (+1.85%)
At close: Feb 17, 2026
52.83 USD
0 (0%)
After Hours: 2/17/2026, 4:58:25 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

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.


Dividend Valuation Growth Profitability Health

5

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.
  • Each year in the past 5 years ATLC had a positive operating cash flow.
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

  • ATLC has a worse Return On Assets (1.49%) than 62.96% of its industry peers.
  • 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 of 1.83%. This is comparable to the rest of the industry: ATLC outperforms 46.30% of its industry peers.
  • ATLC had an Average Return On Invested Capital over the past 3 years of 4.28%. This is significantly below the industry average of 12.20%.
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

  • The Profit Margin of ATLC (14.39%) is comparable to the rest of the industry.
  • In the last couple of years the Profit Margin of ATLC has grown nicely.
  • ATLC has a Operating Margin of 20.97%. This is in the better half of the industry: ATLC outperforms 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.
  • ATLC's Gross Margin has declined in the last couple of years.
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. Health

2.1 Basic Checks

  • ATLC has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • ATLC has more shares outstanding than it did 1 year ago.
  • ATLC has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, ATLC has a worse debt to assets ratio.
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.
  • ATLC has a Altman-Z score of 0.35. This is comparable to the rest of the industry: ATLC outperforms 50.00% 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's Debt to FCF ratio of 12.37 is in line compared to the rest of the industry. ATLC outperforms 50.00% 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.
  • With a Debt to Equity ratio value of 9.59, ATLC is not doing good in the industry: 83.33% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 9.59
Debt/FCF 12.37
Altman-Z 0.35
ROIC/WACC0.24
WACC7.74%
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

  • 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.
  • Looking at the Current ratio, with a value of 1.15, ATLC is in line with its industry, outperforming 51.85% of the companies in the same industry.
  • A Quick Ratio of 1.15 indicates that ATLC should not have too much problems paying its short term obligations.
  • With a Quick ratio value of 1.15, ATLC perfoms like the industry average, outperforming 51.85% of the companies in the same 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. 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.
  • Looking at the last year, ATLC shows a very strong growth in Revenue. 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

  • Based on estimates for the next years, ATLC will show a very strong growth in Earnings Per Share. The EPS will grow by 33.96% on average per year.
  • 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.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 9.38, the valuation of ATLC can be described as reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of ATLC is on the same level as its industry peers.
  • ATLC is valuated cheaply when we compare the Price/Earnings ratio to 27.16, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 5.93, which indicates a rather cheap valuation of ATLC.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of ATLC indicates a rather cheap valuation: ATLC is cheaper than 81.48% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of ATLC to the average of the S&P500 Index (28.10), we can say ATLC is valued rather cheaply.
Industry RankSector Rank
PE 9.38
Fwd PE 5.93
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

  • 62.96% of the companies in the same industry are cheaper than ATLC, based on the Enterprise Value to EBITDA ratio.
  • Based on the Price/Free Cash Flow ratio, ATLC is valued cheaply inside the industry as 87.04% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 1.64
EV/EBITDA 39.84
ATLC Per share dataATLC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

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.
  • A more expensive valuation may be justified as ATLC's earnings are expected to grow with 33.96% in the coming years.
PEG (NY)0.38
PEG (5Y)0.41
EPS Next 2Y36.66%
EPS Next 3Y33.96%

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

0

5. Dividend

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

ATLANTICUS HOLDINGS CORP

NASDAQ:ATLC (2/17/2026, 4:58:25 PM)

After market: 52.83 0 (0%)

52.83

+0.96 (+1.85%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-10
Earnings (Next)03-11
Inst Owners23.48%
Inst Owner Change-1.7%
Ins Owners37.69%
Ins Owner Change0.56%
Market Cap799.85M
Revenue(TTM)731.21M
Net Income(TTM)105.26M
Analysts85
Price Target93.43 (76.85%)
Short Float %9.6%
Short Ratio7.48
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)8.4%
EPS NQ rev (1m)-1.92%
EPS NQ rev (3m)-8.78%
EPS NY rev (1m)-0.58%
EPS NY rev (3m)-4.39%
Revenue NQ rev (1m)-2.8%
Revenue NQ rev (3m)6.72%
Revenue NY rev (1m)-0.3%
Revenue NY rev (3m)7.49%
Valuation
Industry RankSector Rank
PE 9.38
Fwd PE 5.93
P/S 1.09
P/FCF 1.64
P/OCF 1.62
P/B 1.27
P/tB 1.34
EV/EBITDA 39.84
EPS(TTM)5.63
EY10.66%
EPS(NY)8.91
Fwd EY16.86%
FCF(TTM)32.22
FCFY60.99%
OCF(TTM)32.65
OCFY61.8%
SpS48.3
BVpS41.57
TBVpS39.46
PEG (NY)0.38
PEG (5Y)0.41
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
WACC7.74%
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%.