ATLANTICUS HOLDINGS CORP (ATLC) Fundamental Analysis & Valuation

NASDAQ:ATLC • US04914Y1029

52.75 USD
-2.38 (-4.32%)
At close: Mar 12, 2026
55.18 USD
+2.43 (+4.61%)
After Hours: 3/12/2026, 8:23:53 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This ATLC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to ATLC. ATLC was compared to 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. ATLC is valued quite cheap, while showing a decent growth score. This is a good combination!


Dividend Valuation Growth Profitability Health

4

1. ATLC Profitability Analysis

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 4 of the past 5 years.
  • Of the past 5 years ATLC 4 years 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 64.81% of its industry peers.
  • ATLC has a Return On Equity (16.73%) which is comparable to the rest of the industry.
  • Looking at the Return On Invested Capital, with a value of 1.83%, ATLC is in line with its industry, outperforming 46.30% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for ATLC is significantly below the industry average of 12.42%.
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

  • ATLC has a Profit Margin of 14.39%. This is comparable to the rest of the industry: ATLC outperforms 55.56% of its industry peers.
  • In the last couple of years the Profit Margin of ATLC has grown nicely.
  • 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 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. ATLC Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), ATLC is destroying value.
  • ATLC has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
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 (0.35) which is in line with its industry peers.
  • 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.
  • ATLC has a Debt to FCF ratio (12.37) which is in line with its industry peers.
  • ATLC has a Debt/Equity ratio of 9.59. This is a high value indicating a heavy dependency on external financing.
  • Looking at the Debt to Equity ratio, with a value of 9.59, ATLC is doing worse than 85.19% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 9.59
Debt/FCF 12.37
Altman-Z 0.35
ROIC/WACC0.24
WACC7.63%
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.
  • 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.
  • ATLC's Quick ratio of 1.15 is in line compared to the rest of the industry. ATLC outperforms 48.15% of its industry peers.
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

5

3. ATLC Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 24.95% over the past year.
  • The Earnings Per Share has been growing slightly by 0.85% on average over the past years.
EPS 1Y (TTM)24.95%
EPS 3Y0.85%
EPS 5YN/A
EPS Q2Q%23.24%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%107.75%

3.2 Future

  • The Earnings Per Share is expected to grow by 38.70% 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 29.94% yearly.
EPS Next Y49.46%
EPS Next 2Y38.7%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year60.95%
Revenue Next 2Y29.94%
Revenue Next 3YN/A
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.
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

7

4. ATLC Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 8.85, the valuation of ATLC can be described as very reasonable.
  • ATLC's Price/Earnings ratio is in line with the industry average.
  • ATLC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.71.
  • ATLC is valuated cheaply with a Price/Forward Earnings ratio of 5.92.
  • Based on the Price/Forward Earnings ratio, ATLC is valued a bit cheaper than 79.63% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of ATLC to the average of the S&P500 Index (23.82), we can say ATLC is valued rather cheaply.
Industry RankSector Rank
PE 8.85
Fwd PE 5.92
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 85.19% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 1.64
EV/EBITDA 39.92
ATLC Per share dataATLC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

  • ATLC's 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 38.70% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.18
PEG (5Y)N/A
EPS Next 2Y38.7%
EPS Next 3YN/A

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

0

5. ATLC Dividend Analysis

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

ATLC Fundamentals: All Metrics, Ratios and Statistics

ATLANTICUS HOLDINGS CORP

NASDAQ:ATLC (3/12/2026, 8:23:53 PM)

After market: 55.18 +2.43 (+4.61%)

52.75

-2.38 (-4.32%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)03-12
Earnings (Next)N/A
Inst Owners24.86%
Inst Owner Change5.07%
Ins Owners37.71%
Ins Owner Change0.33%
Market Cap798.63M
Revenue(TTM)N/A
Net Income(TTM)105.26M
Analysts87.27
Price Target93.43 (77.12%)
Short Float %9.4%
Short Ratio7.64
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)0%
PT rev (3m)6.72%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.08%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.41%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.34%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.2%
Valuation
Industry RankSector Rank
PE 8.85
Fwd PE 5.92
P/S 1.09
P/FCF 1.64
P/OCF 1.62
P/B 1.27
P/tB 1.34
EV/EBITDA 39.92
EPS(TTM)5.96
EY11.3%
EPS(NY)8.91
Fwd EY16.89%
FCF(TTM)32.22
FCFY61.08%
OCF(TTM)32.65
OCFY61.89%
SpS48.3
BVpS41.57
TBVpS39.46
PEG (NY)0.18
PEG (5Y)N/A
Graham Number74.66
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
WACC7.63%
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)24.95%
EPS 3Y0.85%
EPS 5YN/A
EPS Q2Q%23.24%
EPS Next Y49.46%
EPS Next 2Y38.7%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%107.75%
Revenue Next Year60.95%
Revenue Next 2Y29.94%
Revenue Next 3YN/A
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 49.46% 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%.