66.35 USD
-0.6 (-0.9%)
66.35 USD
0 (0%)
We assign a fundamental rating of 6 out of 10 to ATLC. ATLC was compared to 55 industry peers in the Consumer Finance industry. There are concerns on the financial health of ATLC while its profitability can be described as average. ATLC has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare combination!
1. Profitability
1.1 Basic Checks
ATLC had positive earnings in the past year.
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
With a Return On Assets value of 1.49%, ATLC perfoms like the industry average, outperforming 43.64% of the companies in the same industry.
ATLC's Return On Equity of 16.73% is fine compared to the rest of the industry. ATLC outperforms 63.64% of its industry peers.
ATLC has a Return On Invested Capital (1.83%) which 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 12.44%.
| 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
With a decent Profit Margin value of 14.39%, ATLC is doing good in the industry, outperforming 61.82% of the companies in the same industry.
In the last couple of years the Profit Margin of ATLC has grown nicely.
The Operating Margin of ATLC (20.97%) is better than 69.09% of its industry peers.
ATLC's Operating Margin has improved in the last couple of years.
With a Gross Margin value of 50.44%, ATLC perfoms like the industry average, outperforming 50.91% of the companies in the same 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
ATLC has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, ATLC has more shares outstanding
ATLC has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, ATLC has a worse debt to assets ratio.
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.
ATLC's Altman-Z score of 0.37 is in line compared to the rest of the industry. ATLC outperforms 49.09% of 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.
With a Debt to FCF ratio value of 12.37, ATLC perfoms like the industry average, outperforming 52.73% of the companies in the same industry.
ATLC has a Debt/Equity ratio of 9.59. This is a high value indicating a heavy dependency on external financing.
ATLC has a Debt to Equity ratio of 9.59. This is amonst the worse of the industry: ATLC underperforms 83.64% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 9.59 | ||
| Debt/FCF | 12.37 | ||
| Altman-Z | 0.37 |
ROIC/WACC0.22
WACC8.24%
2.3 Liquidity
A Current Ratio of 1.15 indicates that ATLC should not have too much problems paying its short term obligations.
With a Current ratio value of 1.15, ATLC perfoms like the industry average, outperforming 49.09% 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 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
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%.
The Revenue has been growing by 10.83% on average over the past years. This is quite good.
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.
ATLC is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 35.80% yearly.
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 11.79, which indicates a very decent valuation of ATLC.
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 26.60, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 7.28 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.
ATLC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.23.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.79 | ||
| Fwd PE | 7.28 |
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.
Based on the Price/Free Cash Flow ratio, ATLC is valued cheaper than 81.82% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.06 | ||
| EV/EBITDA | 41.26 |
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.
The decent profitability rating of ATLC may justify a higher PE ratio.
ATLC's earnings are expected to grow with 35.57% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.46
PEG (5Y)0.52
EPS Next 2Y38.22%
EPS Next 3Y35.57%
5. Dividend
5.1 Amount
ATLC does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
66.35
-0.6 (-0.9%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners23.38%
Inst Owner Change7.78%
Ins Owners37.66%
Ins Owner Change-0.01%
Market Cap1.00B
Revenue(TTM)731.21M
Net Income(TTM)105.26M
Analysts85
Price Target88.4 (33.23%)
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)19.82%
EPS NQ rev (1m)0.5%
EPS NQ rev (3m)-2.27%
EPS NY rev (1m)-3.84%
EPS NY rev (3m)-3.69%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)71.97%
Revenue NY rev (1m)7.7%
Revenue NY rev (3m)27.95%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.79 | ||
| Fwd PE | 7.28 | ||
| P/S | 1.37 | ||
| P/FCF | 2.06 | ||
| P/OCF | 2.03 | ||
| P/B | 1.6 | ||
| P/tB | 1.68 | ||
| EV/EBITDA | 41.26 |
EPS(TTM)5.63
EY8.49%
EPS(NY)9.11
Fwd EY13.74%
FCF(TTM)32.22
FCFY48.56%
OCF(TTM)32.65
OCFY49.21%
SpS48.3
BVpS41.57
TBVpS39.46
PEG (NY)0.46
PEG (5Y)0.52
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
WACC8.24%
ROIC/WACC0.22
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 6 / 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 6 / 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%.