ATLANTICUS HOLDINGS CORP (ATLC) Stock Fundamental Analysis
USA - NASDAQ:ATLC - US04914Y1029 - Common Stock
52.96 USD
-0.66 (-1.23%)
Taking everything into account, ATLC scores 6 out of 10 in our fundamental rating. 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.
ATLC had a positive operating cash flow in the past year.
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
ATLC's Return On Assets of 2.90% is in line compared to the rest of the industry. ATLC outperforms 58.18% of its industry peers.
ATLC's Return On Equity of 17.54% is fine compared to the rest of the industry. ATLC outperforms 65.45% of its industry peers.
ATLC has a Return On Invested Capital (3.72%) 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 11.61%.
| 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 has a Profit Margin of 16.01%. This is in the better half of the industry: ATLC outperforms 61.82% of its industry peers.
In the last couple of years the Profit Margin of ATLC has grown nicely.
The Operating Margin of ATLC (23.93%) is better than 72.73% of its industry peers.
In the last couple of years the Operating Margin of ATLC has grown nicely.
ATLC has a Gross Margin of 51.81%. This is comparable 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.
Compared to 1 year ago, ATLC has more shares outstanding
Compared to 5 years ago, ATLC has less shares outstanding
Compared to 1 year ago, ATLC has a worse debt to assets ratio.
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 of 0.69. This is comparable to the rest of the industry: ATLC outperforms 50.91% of its industry peers.
The Debt to FCF ratio of ATLC is 5.63, which is a neutral value as it means it would take ATLC, 5.63 years of fcf income to pay off all of its debts.
ATLC has a Debt to FCF ratio of 5.63. This is in the better half of the industry: ATLC outperforms 67.27% of its industry peers.
ATLC has a Debt/Equity ratio of 4.60. This is a high value indicating a heavy dependency on external financing.
ATLC has a Debt to Equity ratio of 4.60. This is in the lower half of the industry: ATLC underperforms 74.55% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.6 | ||
| Debt/FCF | 5.63 | ||
| Altman-Z | 0.69 |
ROIC/WACC0.47
WACC7.93%
2.3 Liquidity
ATLC has a Current Ratio of 1.39. This is a normal value and indicates that ATLC is financially healthy and should not expect problems in meeting its short term obligations.
With a Current ratio value of 1.39, ATLC perfoms like the industry average, outperforming 56.36% of the companies in the same industry.
A Quick Ratio of 1.39 indicates that ATLC should not have too much problems paying its short term obligations.
ATLC's Quick ratio of 1.39 is in line compared to the rest of the industry. ATLC outperforms 56.36% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.39 | ||
| Quick Ratio | 1.39 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 36.45% 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
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
The Earnings Per Share is expected to grow by 39.05% on average over the next years. This is a very strong growth
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
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.
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
A Price/Earnings ratio of 9.31 indicates a reasonable valuation of ATLC.
Based on the Price/Earnings ratio, ATLC is valued a bit cheaper than the industry average as 61.82% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 25.47. ATLC is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 6.19, the valuation of ATLC can be described as very cheap.
78.18% of the companies in the same industry are more expensive than ATLC, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 35.42, ATLC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.31 | ||
| Fwd PE | 6.19 |
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 cheaply inside the industry as 87.27% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.63 | ||
| EV/EBITDA | 19.84 |
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.
ATLC's earnings are expected to grow with 39.05% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.3
PEG (5Y)0.41
EPS Next 2Y33.91%
EPS Next 3Y39.05%
5. Dividend
5.1 Amount
No dividends for ATLC!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NASDAQ:ATLC (11/20/2025, 3:41:07 PM)
52.96
-0.66 (-1.23%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners21.89%
Inst Owner Change8.08%
Ins Owners37.6%
Ins Owner Change-0.01%
Market Cap801.28M
Revenue(TTM)660.87M
Net Income(TTM)105.81M
Analysts85
Price Target86.19 (62.75%)
Short Float %7.36%
Short Ratio4.9
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%
EPS NQ rev (3m)4.84%
EPS NY rev (1m)0.16%
EPS NY rev (3m)4.11%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)22.63%
Revenue NY rev (1m)9.48%
Revenue NY rev (3m)24.92%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.31 | ||
| Fwd PE | 6.19 | ||
| P/S | 1.21 | ||
| P/FCF | 1.63 | ||
| P/OCF | 1.61 | ||
| P/B | 1.33 | ||
| P/tB | 1.33 | ||
| EV/EBITDA | 19.84 |
EPS(TTM)5.69
EY10.74%
EPS(NY)8.55
Fwd EY16.15%
FCF(TTM)32.57
FCFY61.49%
OCF(TTM)33
OCFY62.3%
SpS43.68
BVpS39.88
TBVpS39.88
PEG (NY)0.3
PEG (5Y)0.41
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
WACC7.93%
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 9.31 and the Price/Book (PB) ratio is 1.33.
How financially healthy is ATLANTICUS HOLDINGS CORP?
The financial health rating of ATLANTICUS HOLDINGS CORP (ATLC) is 3 / 10.