ATLANTICUS HOLDINGS CORP (ATLC)
US04914Y1029 - Common Stock
ATLC gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 51 industry peers in the Consumer Finance industry. ATLC has an average financial health and profitability rating. A decent growth rate in combination with a cheap valuation! Better keep an eye on ATLC. These ratings could make ATLC a good candidate for value investing.
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.
ATLC had positive earnings in each of the past 5 years.
ATLC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of ATLC (2.70%) is better than 68.63% of its industry peers.
The Return On Equity of ATLC (13.36%) is better than 62.75% of its industry peers.
ATLC has a Return On Invested Capital (3.96%) which is in line with its industry peers.
The Average Return On Invested Capital over the past 3 years for ATLC is in line with the industry average of 7.51%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.7% | ||
| ROE | 13.36% | ||
| ROIC | 3.96% |
ROA(3y)5.17%
ROA(5y)4.92%
ROE(3y)24.86%
ROE(5y)27.66%
ROIC(3y)7.1%
ROIC(5y)6.6%
1.3 Margins
ATLC has a better Profit Margin (15.24%) than 72.55% of its industry peers.
In the last couple of years the Profit Margin of ATLC has grown nicely.
ATLC has a Operating Margin of 24.62%. This is in the better half of the industry: ATLC outperforms 76.47% of its industry peers.
ATLC's Operating Margin has improved in the last couple of years.
ATLC has a Gross Margin (52.14%) which is comparable to the rest of the industry.
ATLC's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 24.62% | ||
| PM (TTM) | 15.24% | ||
| GM | 52.14% |
OM growth 3Y2.85%
OM growth 5Y78.61%
PM growth 3Y-0.84%
PM growth 5Y32.15%
GM growth 3Y-9.68%
GM growth 5Y-2.47%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so ATLC is destroying value.
The number of shares outstanding for ATLC has been increased compared to 1 year ago.
The number of shares outstanding for ATLC has been reduced compared to 5 years ago.
Compared to 1 year ago, ATLC has an improved debt to assets ratio.
2.2 Solvency
ATLC has an Altman-Z score of 0.79. This is a bad value and indicates that ATLC is not financially healthy and even has some risk of bankruptcy.
With a Altman-Z score value of 0.79, ATLC perfoms like the industry average, outperforming 56.86% of the companies in the same industry.
ATLC has a debt to FCF ratio of 4.30. This is a neutral value as ATLC would need 4.30 years to pay back of all of its debts.
ATLC's Debt to FCF ratio of 4.30 is fine compared to the rest of the industry. ATLC outperforms 64.71% of its industry peers.
ATLC has a Debt/Equity ratio of 3.62. This is a high value indicating a heavy dependency on external financing.
ATLC has a Debt to Equity ratio of 3.62. This is in the lower half of the industry: ATLC underperforms 68.63% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.62 | ||
| Debt/FCF | 4.3 | ||
| Altman-Z | 0.79 |
ROIC/WACC0.53
WACC7.44%
2.3 Liquidity
A Current Ratio of 2.05 indicates that ATLC has no problem at all paying its short term obligations.
ATLC's Current ratio of 2.05 is fine compared to the rest of the industry. ATLC outperforms 66.67% of its industry peers.
ATLC has a Quick Ratio of 2.05. This indicates that ATLC is financially healthy and has no problem in meeting its short term obligations.
With a decent Quick ratio value of 2.05, ATLC is doing good in the industry, outperforming 68.63% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.05 | ||
| Quick Ratio | 2.05 |
3. Growth
3.1 Past
ATLC shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.30%.
The Earnings Per Share has been growing by 48.98% on average over the past years. This is a very strong growth
Looking at the last year, ATLC shows a decrease in Revenue. The Revenue has decreased by -0.75% in the last year.
The Revenue has been growing by 19.52% on average over the past years. This is quite good.
EPS 1Y (TTM)7.3%
EPS 3Y2.38%
EPS 5Y48.98%
EPS Q2Q%23.3%
Revenue 1Y (TTM)-0.75%
Revenue growth 3Y1.08%
Revenue growth 5Y19.52%
Sales Q2Q%19.1%
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 31.66% on average per year.
Based on estimates for the next years, ATLC will show a quite strong growth in Revenue. The Revenue will grow by 12.58% on average per year.
EPS Next Y11.12%
EPS Next 2Y19.54%
EPS Next 3Y31.66%
EPS Next 5YN/A
Revenue Next Year10.63%
Revenue Next 2Y11.69%
Revenue Next 3Y12.58%
Revenue Next 5YN/A
3.3 Evolution
Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 12.51, ATLC is valued correctly.
ATLC's Price/Earnings is on the same level as the industry average.
ATLC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 29.20.
ATLC is valuated reasonably with a Price/Forward Earnings ratio of 9.21.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ATLC indicates a somewhat cheap valuation: ATLC is cheaper than 68.63% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 24.00, ATLC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.51 | ||
| Fwd PE | 9.21 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as ATLC.
Based on the Price/Free Cash Flow ratio, ATLC is valued cheaper than 82.35% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.68 | ||
| EV/EBITDA | 19.63 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
ATLC has a very decent profitability rating, which may justify a higher PE ratio.
ATLC's earnings are expected to grow with 31.66% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.12
PEG (5Y)0.26
EPS Next 2Y19.54%
EPS Next 3Y31.66%
5. Dividend
5.1 Amount
No dividends for ATLC!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
ATLANTICUS HOLDINGS CORP
NASDAQ:ATLC (11/22/2024, 8:24:21 PM)
55.16
+0.86 (+1.58%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap813.06M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
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EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
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Revenue beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.51 | ||
| Fwd PE | 9.21 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)1.12
PEG (5Y)0.26
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.7% | ||
| ROE | 13.36% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 24.62% | ||
| PM (TTM) | 15.24% | ||
| GM | 52.14% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.18
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.62 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 2.05 | ||
| Quick Ratio | 2.05 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)7.3%
EPS 3Y2.38%
EPS 5Y
EPS Q2Q%
EPS Next Y11.12%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-0.75%
Revenue growth 3Y1.08%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y