66.62 USD
+0.27 (+0.41%)
66.62 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. There are concerns on the financial health of ATLC while its profitability can be described as average. 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.
Each year in the past 5 years ATLC has been profitable.
Each year in the past 5 years ATLC had a positive operating cash flow.
1.2 Ratios
The Return On Assets of ATLC (1.49%) is worse than 60.00% of its industry peers.
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.
ATLC has a Return On Invested Capital (1.83%) which is in line with 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 12.42%.
| 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
With a Profit Margin value of 14.39%, ATLC perfoms like the industry average, outperforming 58.18% 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 67.27% of its industry peers.
ATLC's Operating Margin has improved in the last couple of years.
ATLC has a Gross Margin (50.44%) which is in line with its industry peers.
ATLC's Gross Margin has declined in the last couple of years.
| 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.
Compared to 1 year ago, ATLC has a worse debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 0.37, we must say that ATLC is in the distress zone and has some risk of bankruptcy.
ATLC has a Altman-Z score (0.37) which is in line with 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.
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.
A Debt/Equity ratio of 9.59 is on the high side and indicates that ATLC has dependencies on debt financing.
ATLC's Debt to Equity ratio of 9.59 is on the low side compared to the rest of the industry. ATLC is outperformed by 83.64% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 9.59 | ||
| Debt/FCF | 12.37 | ||
| Altman-Z | 0.37 |
ROIC/WACC0.23
WACC8.03%
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's Current ratio of 1.15 is in line compared to the rest of the industry. ATLC outperforms 49.09% of its industry peers.
ATLC has a Quick 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's Quick ratio of 1.15 is in line compared to the rest of the industry. ATLC outperforms 49.09% of its industry peers.
| 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.
The Earnings Per Share has been growing by 22.82% on average over the past years. This is a very strong growth
Looking at the last year, ATLC shows a very strong growth in Revenue. The Revenue has grown by 36.98%.
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)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.
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
With a Price/Earnings ratio of 11.83, the valuation of ATLC can be described as very 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 26.87, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 7.31 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.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.46, ATLC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.83 | ||
| Fwd PE | 7.31 |
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.
ATLC's Price/Free Cash Flow ratio is rather cheap when compared to the industry. ATLC is cheaper than 81.82% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.07 | ||
| EV/EBITDA | 41.23 |
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)0.52
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% |
66.62
+0.27 (+0.41%)
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 Cap1.01B
Revenue(TTM)731.21M
Net Income(TTM)105.26M
Analysts85
Price Target88.4 (32.69%)
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 | 11.83 | ||
| Fwd PE | 7.31 | ||
| P/S | 1.38 | ||
| P/FCF | 2.07 | ||
| P/OCF | 2.04 | ||
| P/B | 1.6 | ||
| P/tB | 1.69 | ||
| EV/EBITDA | 41.23 |
EPS(TTM)5.63
EY8.45%
EPS(NY)9.11
Fwd EY13.68%
FCF(TTM)32.22
FCFY48.37%
OCF(TTM)32.65
OCFY49.01%
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
WACC8.03%
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%.