ATLANTICUS HOLDINGS CORP (ATLC) Stock Fundamental Analysis
USA - NASDAQ:ATLC - US04914Y1029 - Common Stock
51.21 USD
-2.16 (-4.05%)
51.21 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. ATLC has a medium profitability rating, but doesn't score so well on its financial health evaluation. 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
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.
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.
With a decent Return On Equity value of 17.54%, ATLC is doing good in the industry, outperforming 65.45% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 3.72%, ATLC is in line with its industry, outperforming 50.91% of the companies in the same industry.
ATLC had an Average Return On Invested Capital over the past 3 years of 4.28%. This 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's Profit Margin of 16.01% is fine compared to the rest of the industry. ATLC outperforms 61.82% of its industry peers.
ATLC's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 23.93%, ATLC is in the better half of the industry, outperforming 72.73% of the companies in the same industry.
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.
ATLC's Gross Margin has declined in the last couple of years.
| 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so ATLC is destroying value.
ATLC has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, ATLC has less shares outstanding
ATLC has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 0.69, we must say that ATLC is in the distress zone and has some risk of bankruptcy.
ATLC's Altman-Z score of 0.69 is in line compared 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.
Looking at the Debt to FCF ratio, with a value of 5.63, ATLC is in the better half of the industry, outperforming 67.27% of the companies in the same industry.
A Debt/Equity ratio of 4.60 is on the high side and indicates that ATLC has dependencies on debt financing.
ATLC has a worse Debt to Equity ratio (4.60) than 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
WACC7.87%
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.
ATLC has a Quick 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.
The Quick ratio of ATLC (1.39) is comparable to the rest of the industry.
| 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!
ATLC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.83% yearly.
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
Based on the Price/Earnings ratio of 9.00, the valuation of ATLC can be described as reasonable.
Based on the Price/Earnings ratio, ATLC is valued a bit cheaper than 63.64% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 25.56. ATLC is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 5.99, 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.
The average S&P500 Price/Forward Earnings ratio is at 34.62. ATLC is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9 | ||
| Fwd PE | 5.99 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as ATLC.
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 | 1.57 | ||
| EV/EBITDA | 19.82 |
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.
ATLC has a very decent profitability rating, which 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)0.29
PEG (5Y)0.39
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 |
51.21
-2.16 (-4.05%)
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 Cap774.81M
Revenue(TTM)660.87M
Net Income(TTM)105.81M
Analysts85
Price Target86.19 (68.31%)
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%
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 | ||
| Fwd PE | 5.99 | ||
| P/S | 1.17 | ||
| P/FCF | 1.57 | ||
| P/OCF | 1.55 | ||
| P/B | 1.28 | ||
| P/tB | 1.28 | ||
| EV/EBITDA | 19.82 |
EPS(TTM)5.69
EY11.11%
EPS(NY)8.55
Fwd EY16.7%
FCF(TTM)32.57
FCFY63.6%
OCF(TTM)33
OCFY64.43%
SpS43.68
BVpS39.88
TBVpS39.88
PEG (NY)0.29
PEG (5Y)0.39
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
WACC7.87%
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 and the Price/Book (PB) ratio is 1.28.
How financially healthy is ATLANTICUS HOLDINGS CORP?
The financial health rating of ATLANTICUS HOLDINGS CORP (ATLC) is 3 / 10.