ATLANTICUS HOLDINGS CORP (ATLC) Stock Fundamental Analysis
USA - NASDAQ:ATLC - US04914Y1029 - Common Stock
54.01 USD
-2.13 (-3.79%)
54.01 USD
0 (0%)
ATLC gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 55 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.
ATLC had positive earnings in each of the past 5 years.
In the past 5 years ATLC always reported a positive cash flow from operatings.
1.2 Ratios
ATLC has a Return On Assets (2.90%) which is in line with its industry peers.
The Return On Equity of ATLC (17.54%) is better than 65.45% of its industry peers.
ATLC has a Return On Invested Capital (3.72%) which is in line with its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for ATLC is significantly below the industry average of 11.76%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.9% | ||
| ROE | 17.54% | ||
| ROIC | 3.72% |
ROA(3y)3.39%
ROA(5y)4.91%
ROE(3y)17.73%
ROE(5y)25.03%
ROIC(3y)4.28%
ROIC(5y)6.32%
1.3 Margins
ATLC's Profit Margin of 16.01% is fine compared to the rest of the industry. ATLC outperforms 63.64% of its industry peers.
In the last couple of years the Profit Margin of ATLC has grown nicely.
Looking at the Operating Margin, with a value of 23.93%, ATLC is in the better half of the industry, outperforming 74.55% 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 51.81% 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 | 23.93% | ||
| PM (TTM) | 16.01% | ||
| GM | 51.81% |
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 0.69. 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 (0.69) which is in line with its industry peers.
ATLC has a debt to FCF ratio of 5.63. This is a neutral value as ATLC would need 5.63 years to pay back of all of its debts.
The Debt to FCF ratio of ATLC (5.63) is better than 67.27% of its industry peers.
A Debt/Equity ratio of 4.60 is on the high side and indicates that ATLC has dependencies on debt financing.
ATLC's Debt to Equity ratio of 4.60 is on the low side compared to the rest of the industry. ATLC is outperformed by 72.73% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.6 | ||
| Debt/FCF | 5.63 | ||
| Altman-Z | 0.69 |
ROIC/WACC0.47
WACC7.97%
2.3 Liquidity
A Current Ratio of 1.39 indicates that ATLC should not have too much problems paying its short term obligations.
ATLC has a Current ratio (1.39) which is comparable to the rest of the industry.
A Quick Ratio of 1.39 indicates that ATLC should not have too much problems paying its short term obligations.
Looking at the Quick ratio, with a value of 1.39, ATLC is in line with its industry, outperforming 56.36% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.39 | ||
| Quick Ratio | 1.39 |
3. Growth
3.1 Past
ATLC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 36.45%, 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.
The Revenue has grown by 31.28% in the past year. This is a very strong growth!
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)36.45%
EPS 3Y-14.56%
EPS 5Y22.82%
EPS Q2Q%52.53%
Revenue 1Y (TTM)31.28%
Revenue growth 3Y2.98%
Revenue growth 5Y10.83%
Sales Q2Q%24.73%
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 39.05% on average per year.
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
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
The Price/Earnings ratio is 9.49, which indicates a very decent valuation of ATLC.
Compared to the rest of the industry, the Price/Earnings ratio of ATLC indicates a somewhat cheap valuation: ATLC is cheaper than 61.82% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.06, ATLC is valued rather cheaply.
A Price/Forward Earnings ratio of 6.31 indicates a rather cheap valuation of ATLC.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ATLC indicates a somewhat cheap valuation: ATLC is cheaper than 78.18% of the companies listed in the same industry.
ATLC is valuated cheaply when we compare the Price/Forward Earnings ratio to 32.73, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.49 | ||
| Fwd PE | 6.31 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of ATLC is on the same level as its industry peers.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of ATLC indicates a rather cheap valuation: ATLC is cheaper than 87.27% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.66 | ||
| EV/EBITDA | 19.87 |
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.
A more expensive valuation may be justified as ATLC's earnings are expected to grow with 39.05% in the coming years.
PEG (NY)0.31
PEG (5Y)0.42
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 |
54.01
-2.13 (-3.79%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners21.89%
Inst Owner Change0.4%
Ins Owners37.6%
Ins Owner Change-0.16%
Market Cap817.17M
Revenue(TTM)660.87M
Net Income(TTM)105.81M
Analysts85
Price Target86.19 (59.58%)
Short Float %7.06%
Short Ratio5.46
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly Dividend1.74
Dividend Growth(5Y)29.87%
DP19.91%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)9.54%
Min EPS beat(2)-1.55%
Max EPS beat(2)20.63%
EPS beat(4)3
Avg EPS beat(4)7.37%
Min EPS beat(4)-1.55%
Max EPS beat(4)20.63%
EPS beat(8)6
Avg EPS beat(8)6.18%
EPS beat(12)9
Avg EPS beat(12)5.62%
EPS beat(16)10
Avg EPS beat(16)7.59%
Revenue beat(2)1
Avg Revenue beat(2)2.77%
Min Revenue beat(2)-2.55%
Max Revenue beat(2)8.09%
Revenue beat(4)2
Avg Revenue beat(4)2.14%
Min Revenue beat(4)-2.55%
Max Revenue beat(4)8.09%
Revenue beat(8)2
Avg Revenue beat(8)-0.66%
Revenue beat(12)3
Avg Revenue beat(12)-11%
Revenue beat(16)3
Avg Revenue beat(16)-17.82%
PT rev (1m)0%
PT rev (3m)23.23%
EPS NQ rev (1m)0.56%
EPS NQ rev (3m)13.67%
EPS NY rev (1m)0.16%
EPS NY rev (3m)4.11%
Revenue NQ rev (1m)12.59%
Revenue NQ rev (3m)28.75%
Revenue NY rev (1m)9.48%
Revenue NY rev (3m)24.92%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.49 | ||
| Fwd PE | 6.31 | ||
| P/S | 1.24 | ||
| P/FCF | 1.66 | ||
| P/OCF | 1.64 | ||
| P/B | 1.35 | ||
| P/tB | 1.35 | ||
| EV/EBITDA | 19.87 |
EPS(TTM)5.69
EY10.54%
EPS(NY)8.55
Fwd EY15.84%
FCF(TTM)32.57
FCFY60.3%
OCF(TTM)33
OCFY61.09%
SpS43.68
BVpS39.88
TBVpS39.88
PEG (NY)0.31
PEG (5Y)0.42
Graham Number71.45
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.9% | ||
| ROE | 17.54% | ||
| ROCE | 4.69% | ||
| ROIC | 3.72% | ||
| ROICexc | 4.12% | ||
| ROICexgc | 4.12% | ||
| OM | 23.93% | ||
| PM (TTM) | 16.01% | ||
| GM | 51.81% | ||
| FCFM | 74.56% |
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-Score6
Asset Turnover0.18
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.6 | ||
| Debt/FCF | 5.63 | ||
| Debt/EBITDA | 16.9 | ||
| Cap/Depr | 108.54% | ||
| Cap/Sales | 0.98% | ||
| Interest Coverage | 0.93 | ||
| Cash Conversion | 304.15% | ||
| Profit Quality | 465.67% | ||
| Current Ratio | 1.39 | ||
| Quick Ratio | 1.39 | ||
| Altman-Z | 0.69 |
F-Score6
WACC7.97%
ROIC/WACC0.47
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)36.45%
EPS 3Y-14.56%
EPS 5Y22.82%
EPS Q2Q%52.53%
EPS Next Y30.62%
EPS Next 2Y33.91%
EPS Next 3Y39.05%
EPS Next 5YN/A
Revenue 1Y (TTM)31.28%
Revenue growth 3Y2.98%
Revenue growth 5Y10.83%
Sales Q2Q%24.73%
Revenue Next Year39.66%
Revenue Next 2Y37.78%
Revenue Next 3Y35.51%
Revenue Next 5YN/A
EBIT growth 1Y27.63%
EBIT growth 3Y-17.74%
EBIT growth 5Y34.23%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y24.68%
FCF growth 3Y31.57%
FCF growth 5Y36.22%
OCF growth 1Y23.79%
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 9.49 and the Price/Book (PB) ratio is 1.35.
How financially healthy is ATLANTICUS HOLDINGS CORP?
The financial health rating of ATLANTICUS HOLDINGS CORP (ATLC) is 3 / 10.