66 USD
-0.3 (-0.45%)
66 USD
0 (0%)
We assign a fundamental rating of 5 out of 10 to ATLC. ATLC was compared to 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 evaluated to be cheap and growing strongly. This does not happen too often!
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.
Each year in the past 5 years ATLC had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 1.49%, ATLC is not doing good in the industry: 60.00% of the companies in the same industry are doing better.
Looking at the Return On Equity, with a value of 16.73%, ATLC is in the better half of the industry, outperforming 61.82% of the companies in the same industry.
The Return On Invested Capital of ATLC (1.83%) is comparable to the rest of the industry.
The Average Return On Invested Capital over the past 3 years 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
Looking at the Profit Margin, with a value of 14.39%, ATLC is in line with its industry, outperforming 58.18% of the companies in the same 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 67.27% 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 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.
ATLC has more shares outstanding than it did 1 year ago.
ATLC has less shares outstanding than it did 5 years ago.
The debt/assets ratio for ATLC is higher compared to a year ago.
2.2 Solvency
ATLC has an Altman-Z score of 0.37. This is a bad value and indicates that ATLC is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of ATLC (0.37) is comparable to the rest of the industry.
ATLC has a debt to FCF ratio of 12.37. This is a negative value and a sign of low solvency as ATLC would need 12.37 years to pay back of all of its debts.
The Debt to FCF ratio of ATLC (12.37) is comparable to the rest of the industry.
ATLC has a Debt/Equity ratio of 9.59. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 9.59, ATLC is not doing good in the industry: 83.64% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 9.59 | ||
| Debt/FCF | 12.37 | ||
| Altman-Z | 0.37 |
ROIC/WACC0.23
WACC8.03%
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 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.
With a Quick ratio value of 1.15, ATLC perfoms like the industry average, outperforming 49.09% of the companies in the same 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!
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 35.57% yearly.
Based on estimates for the next years, ATLC will show a very strong growth in Revenue. The Revenue will grow by 35.80% on average per year.
EPS Next Y25.6%
EPS Next 2Y38.22%
EPS Next 3Y35.57%
EPS Next 5YN/A
Revenue Next Year50.41%
Revenue Next 2Y55.53%
Revenue Next 3Y35.8%
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 11.72.
Compared to the rest of the industry, the Price/Earnings ratio of ATLC is on the same level as its industry peers.
ATLC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.19.
The Price/Forward Earnings ratio is 7.24, which 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 78.18% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of ATLC to the average of the S&P500 Index (23.88), we can say ATLC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.72 | ||
| Fwd PE | 7.24 |
4.2 Price Multiples
ATLC's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. ATLC is more expensive than 60.00% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, ATLC is valued cheaper than 83.64% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.05 | ||
| EV/EBITDA | 41.2 |
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 35.57% in the coming years.
PEG (NY)0.46
PEG (5Y)0.51
EPS Next 2Y38.22%
EPS Next 3Y35.57%
5. Dividend
5.1 Amount
No dividends for ATLC!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
66
-0.3 (-0.45%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners23.48%
Inst Owner Change0%
Ins Owners37.69%
Ins Owner Change-0.01%
Market Cap999.24M
Revenue(TTM)731.21M
Net Income(TTM)105.26M
Analysts85
Price Target88.4 (33.94%)
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)0.5%
EPS NQ rev (3m)1.83%
EPS NY rev (1m)0.17%
EPS NY rev (3m)-3.69%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)67.95%
Revenue NY rev (1m)0%
Revenue NY rev (3m)17.92%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.72 | ||
| Fwd PE | 7.24 | ||
| P/S | 1.37 | ||
| P/FCF | 2.05 | ||
| P/OCF | 2.02 | ||
| P/B | 1.59 | ||
| P/tB | 1.67 | ||
| EV/EBITDA | 41.2 |
EPS(TTM)5.63
EY8.53%
EPS(NY)9.11
Fwd EY13.81%
FCF(TTM)32.22
FCFY48.82%
OCF(TTM)32.65
OCFY49.47%
SpS48.3
BVpS41.57
TBVpS39.46
PEG (NY)0.46
PEG (5Y)0.51
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 | 0.37 |
F-Score4
WACC8.03%
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 Year50.41%
Revenue Next 2Y55.53%
Revenue Next 3Y35.8%
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%.