ATLANTICUS HOLDINGS CORP (ATLC) Fundamental Analysis & Valuation
NASDAQ:ATLC • US04914Y1029
Current stock price
62.9 USD
-0.42 (-0.66%)
Last:
This ATLC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
1. ATLC Profitability Analysis
1.1 Basic Checks
- ATLC had positive earnings in the past year.
- ATLC had a positive operating cash flow in the past year.
- Each year in the past 5 years ATLC has been profitable.
- In the past 5 years ATLC always reported a positive cash flow from operatings.
1.2 Ratios
- With a Return On Assets value of 1.47%, ATLC is not doing good in the industry: 64.81% of the companies in the same industry are doing better.
- Looking at the Return On Equity, with a value of 17.23%, ATLC is in line with its industry, outperforming 57.41% of the companies in the same industry.
- With a Return On Invested Capital value of 1.73%, ATLC perfoms like the industry average, outperforming 46.30% of the companies in the same industry.
- The Average Return On Invested Capital over the past 3 years for ATLC is significantly below the industry average of 9.87%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.47% | ||
| ROE | 17.23% | ||
| ROIC | 1.73% |
ROA(3y)2.34%
ROA(5y)3.93%
ROE(3y)15.58%
ROE(5y)21.36%
ROIC(3y)3.05%
ROIC(5y)4.94%
1.3 Margins
- ATLC has a Profit Margin (12.92%) which is in line with its industry peers.
- In the last couple of years the Profit Margin of ATLC has declined.
- The Operating Margin of ATLC (18.46%) is better than 62.96% of its industry peers.
- In the last couple of years the Operating Margin of ATLC has declined.
- ATLC's Gross Margin of 46.52% is in line compared to the rest of the industry. ATLC outperforms 46.30% of its industry peers.
- In the last couple of years the Gross Margin of ATLC has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 18.46% | ||
| PM (TTM) | 12.92% | ||
| GM | 46.52% |
OM growth 3Y-16.57%
OM growth 5Y-6.14%
PM growth 3Y-18.1%
PM growth 5Y-5.43%
GM growth 3Y-9.27%
GM growth 5Y-9.02%
2. ATLC Health Analysis
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), ATLC is destroying value.
- ATLC has about the same amout of shares outstanding than it did 1 year ago.
- Compared to 5 years ago, ATLC has less shares outstanding
- The debt/assets ratio for ATLC is higher compared to a year ago.
2.2 Solvency
- Based on the Altman-Z score of 0.39, we must say that ATLC is in the distress zone and has some risk of bankruptcy.
- ATLC has a Altman-Z score of 0.39. This is comparable to the rest of the industry: ATLC outperforms 51.85% of its industry peers.
- ATLC has a debt to FCF ratio of 10.30. This is a negative value and a sign of low solvency as ATLC would need 10.30 years to pay back of all of its debts.
- ATLC has a Debt to FCF ratio (10.30) which is comparable to the rest of the industry.
- A Debt/Equity ratio of 10.05 is on the high side and indicates that ATLC has dependencies on debt financing.
- ATLC has a worse Debt to Equity ratio (10.05) than 87.04% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 10.05 | ||
| Debt/FCF | 10.3 | ||
| Altman-Z | 0.39 |
ROIC/WACC0.26
WACC6.58%
2.3 Liquidity
- ATLC has a Current Ratio of 1.49. This is a normal value and indicates that ATLC is financially healthy and should not expect problems in meeting its short term obligations.
- ATLC has a Current ratio (1.49) which is comparable to the rest of the industry.
- ATLC has a Quick Ratio of 1.49. This is a normal value and indicates that ATLC is financially healthy and should not expect problems in meeting its short term obligations.
- ATLC has a Quick ratio of 1.49. This is comparable to the rest of the industry: ATLC outperforms 55.56% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.49 | ||
| Quick Ratio | 1.49 |
3. ATLC Growth Analysis
3.1 Past
- The Earnings Per Share has grown by an impressive 24.95% over the past year.
- The Earnings Per Share has been growing by 8.77% on average over the past years. This is quite good.
- Looking at the last year, ATLC shows a very strong growth in Revenue. The Revenue has grown by 49.72%.
- The Revenue has been growing by 13.90% on average over the past years. This is quite good.
EPS 1Y (TTM)24.95%
EPS 3Y0.85%
EPS 5Y8.77%
EPS Q2Q%23.24%
Revenue 1Y (TTM)49.72%
Revenue growth 3Y22.58%
Revenue growth 5Y13.9%
Sales Q2Q%107.75%
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 38.70% on average per year.
- The Revenue is expected to grow by 28.81% on average over the next years. This is a very strong growth
EPS Next Y49.46%
EPS Next 2Y38.7%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year60%
Revenue Next 2Y32.92%
Revenue Next 3Y28.81%
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. ATLC Valuation Analysis
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 10.55, the valuation of ATLC can be described as reasonable.
- The rest of the industry has a similar Price/Earnings ratio as ATLC.
- ATLC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.91.
- ATLC is valuated cheaply with a Price/Forward Earnings ratio of 7.06.
- Based on the Price/Forward Earnings ratio, ATLC is valued a bit cheaper than 74.07% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 23.68. ATLC is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.55 | ||
| Fwd PE | 7.06 |
4.2 Price Multiples
- ATLC's Enterprise Value to EBITDA ratio is in line with the industry average.
- ATLC's Price/Free Cash Flow ratio is rather cheap when compared to the industry. ATLC is cheaper than 85.19% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.48 | ||
| EV/EBITDA | 40.33 |
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.
- A more expensive valuation may be justified as ATLC's earnings are expected to grow with 38.70% in the coming years.
PEG (NY)0.21
PEG (5Y)1.2
EPS Next 2Y38.7%
EPS Next 3YN/A
5. ATLC Dividend Analysis
5.1 Amount
- No dividends for ATLC!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
ATLC Fundamentals: All Metrics, Ratios and Statistics
NASDAQ:ATLC (4/10/2026, 2:03:57 PM)
62.9
-0.42 (-0.66%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)03-12 2026-03-12/amc
Earnings (Next)05-06 2026-05-06
Inst Owners24.86%
Inst Owner Change0%
Ins Owners37.71%
Ins Owner Change7%
Market Cap938.47M
Revenue(TTM)865.34M
Net Income(TTM)111.80M
Analysts87.27
Price Target94.25 (49.84%)
Short Float %9.46%
Short Ratio6.98
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
Yearly Dividend0.83
Dividend Growth(5Y)-0.39%
DP11.12%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-7.06%
Min EPS beat(2)-22.02%
Max EPS beat(2)7.9%
EPS beat(4)2
Avg EPS beat(4)1.24%
Min EPS beat(4)-22.02%
Max EPS beat(4)20.63%
EPS beat(8)6
Avg EPS beat(8)3.45%
EPS beat(12)9
Avg EPS beat(12)7.03%
EPS beat(16)10
Avg EPS beat(16)2.47%
Revenue beat(2)2
Avg Revenue beat(2)2.15%
Min Revenue beat(2)0.22%
Max Revenue beat(2)4.07%
Revenue beat(4)3
Avg Revenue beat(4)2.46%
Min Revenue beat(4)-2.55%
Max Revenue beat(4)8.09%
Revenue beat(8)4
Avg Revenue beat(8)0.5%
Revenue beat(12)5
Avg Revenue beat(12)-0.25%
Revenue beat(16)5
Avg Revenue beat(16)-13.91%
PT rev (1m)0.87%
PT rev (3m)6.62%
EPS NQ rev (1m)-7.11%
EPS NQ rev (3m)-8.15%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.25%
Revenue NQ rev (1m)-0.22%
Revenue NQ rev (3m)-0.6%
Revenue NY rev (1m)-0.59%
Revenue NY rev (3m)-0.71%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.55 | ||
| Fwd PE | 7.06 | ||
| P/S | 1.08 | ||
| P/FCF | 1.48 | ||
| P/OCF | 1.47 | ||
| P/B | 1.45 | ||
| P/tB | 1.52 | ||
| EV/EBITDA | 40.33 |
EPS(TTM)5.96
EY9.48%
EPS(NY)8.91
Fwd EY14.16%
FCF(TTM)42.42
FCFY67.44%
OCF(TTM)42.76
OCFY67.98%
SpS58
BVpS43.48
TBVpS41.45
PEG (NY)0.21
PEG (5Y)1.2
Graham Number76.36
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.47% | ||
| ROE | 17.23% | ||
| ROCE | 2.23% | ||
| ROIC | 1.73% | ||
| ROICexc | 1.89% | ||
| ROICexgc | 1.9% | ||
| OM | 18.46% | ||
| PM (TTM) | 12.92% | ||
| GM | 46.52% | ||
| FCFM | 73.14% |
ROA(3y)2.34%
ROA(5y)3.93%
ROE(3y)15.58%
ROE(5y)21.36%
ROIC(3y)3.05%
ROIC(5y)4.94%
ROICexc(3y)3.47%
ROICexc(5y)6%
ROICexgc(3y)3.48%
ROICexgc(5y)6%
ROCE(3y)3.94%
ROCE(5y)6.38%
ROICexgc growth 3Y-32.43%
ROICexgc growth 5Y-27.29%
ROICexc growth 3Y-32.53%
ROICexc growth 5Y-27.36%
OM growth 3Y-16.57%
OM growth 5Y-6.14%
PM growth 3Y-18.1%
PM growth 5Y-5.43%
GM growth 3Y-9.27%
GM growth 5Y-9.02%
F-Score4
Asset Turnover0.11
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 10.05 | ||
| Debt/FCF | 10.3 | ||
| Debt/EBITDA | 38.43 | ||
| Cap/Depr | 50.77% | ||
| Cap/Sales | 0.58% | ||
| Interest Coverage | 0.6 | ||
| Cash Conversion | 376.14% | ||
| Profit Quality | 566.16% | ||
| Current Ratio | 1.49 | ||
| Quick Ratio | 1.49 | ||
| Altman-Z | 0.39 |
F-Score4
WACC6.58%
ROIC/WACC0.26
Cap/Depr(3y)61.33%
Cap/Depr(5y)114.02%
Cap/Sales(3y)0.58%
Cap/Sales(5y)0.83%
Profit Quality(3y)562.6%
Profit Quality(5y)425.72%
High Growth Momentum
Growth
EPS 1Y (TTM)24.95%
EPS 3Y0.85%
EPS 5Y8.77%
EPS Q2Q%23.24%
EPS Next Y49.46%
EPS Next 2Y38.7%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)49.72%
Revenue growth 3Y22.58%
Revenue growth 5Y13.9%
Sales Q2Q%107.75%
Revenue Next Year60%
Revenue Next 2Y32.92%
Revenue Next 3Y28.81%
Revenue Next 5YN/A
EBIT growth 1Y15.25%
EBIT growth 3Y2.27%
EBIT growth 5Y6.9%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y35.35%
FCF growth 3Y22.87%
FCF growth 5Y24.45%
OCF growth 1Y35.91%
OCF growth 3Y22.61%
OCF growth 5Y24.57%
ATLANTICUS HOLDINGS CORP / ATLC Fundamental Analysis 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 8 / 10 to ATLANTICUS HOLDINGS CORP (ATLC). This can be considered as Undervalued.
Can you provide the profitability details for ATLANTICUS HOLDINGS CORP?
ATLANTICUS HOLDINGS CORP (ATLC) has a profitability rating of 4 / 10.
What are the PE and PB ratios of ATLANTICUS HOLDINGS CORP (ATLC) stock?
The Price/Earnings (PE) ratio for ATLANTICUS HOLDINGS CORP (ATLC) is 10.55 and the Price/Book (PB) ratio is 1.45.
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 11.12%.