69.5 USD
-0.18 (-0.26%)
69.5 USD
0 (0%)
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. ATLC has a medium profitability rating, but doesn't score so well on its financial health evaluation. 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
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.
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 comparable to the rest of the industry.
ATLC has a Return On Equity of 16.73%. This is in the better half of the industry: ATLC outperforms 63.64% of its industry peers.
ATLC has a Return On Invested Capital (1.83%) which is comparable to the rest of the industry.
Measured over the past 3 years, the Average Return On Invested Capital for ATLC is significantly below the industry average of 12.44%.
| 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
Looking at the Profit Margin, with a value of 14.39%, ATLC is in the better half of the industry, outperforming 61.82% of the companies in the same industry.
In the last couple of years the Profit Margin of ATLC has grown nicely.
ATLC has a Operating Margin of 20.97%. This is in the better half of the industry: ATLC outperforms 69.09% 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
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.
ATLC has less shares outstanding than it did 5 years ago.
ATLC has a worse debt/assets ratio than last year.
2.2 Solvency
ATLC has an Altman-Z score of 0.38. This is a bad value and indicates that ATLC is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.38, ATLC is in line with its industry, outperforming 49.09% of the companies in the same industry.
ATLC has a debt to FCF ratio of 12.37. This is a negative value and a sign of low solvency as ATLC would need 12.37 years to pay back of all of its debts.
ATLC has a Debt to FCF ratio (12.37) which is in line with its industry peers.
ATLC has a Debt/Equity ratio of 9.59. This is a high value indicating a heavy dependency on external 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 85.45% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 9.59 | ||
| Debt/FCF | 12.37 | ||
| Altman-Z | 0.38 |
ROIC/WACC0.22
WACC8.16%
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 has a Quick ratio (1.15) which is comparable to the rest of the industry.
| 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.
Measured over the past years, ATLC shows a very strong growth in Earnings Per Share. The EPS has been growing by 22.82% on average per year.
The Revenue has grown by 36.98% 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)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.
ATLC is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 35.80% yearly.
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
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
The Price/Earnings ratio is 12.34, which indicates a correct valuation of ATLC.
Compared to the rest of the industry, the Price/Earnings ratio of ATLC is on the same level as its industry peers.
ATLC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.77.
A Price/Forward Earnings ratio of 7.63 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.
When comparing the Price/Forward Earnings ratio of ATLC to the average of the S&P500 Index (23.35), we can say ATLC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.34 | ||
| Fwd PE | 7.63 |
4.2 Price Multiples
ATLC's Enterprise Value to EBITDA is on the same level as the industry average.
80.00% of the companies in the same industry are more expensive than ATLC, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.16 | ||
| EV/EBITDA | 41.52 |
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.
The decent profitability rating of ATLC may justify a higher PE ratio.
ATLC's earnings are expected to grow with 35.57% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.48
PEG (5Y)0.54
EPS Next 2Y38.22%
EPS Next 3Y35.57%
5. Dividend
5.1 Amount
No dividends for ATLC!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
69.5
-0.18 (-0.26%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners23.38%
Inst Owner Change7.78%
Ins Owners37.66%
Ins Owner Change-0.01%
Market Cap1.05B
Revenue(TTM)731.21M
Net Income(TTM)105.26M
Analysts85
Price Target88.4 (27.19%)
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)19.82%
EPS NQ rev (1m)0.5%
EPS NQ rev (3m)-2.27%
EPS NY rev (1m)-3.84%
EPS NY rev (3m)-3.69%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)71.97%
Revenue NY rev (1m)7.7%
Revenue NY rev (3m)27.95%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.34 | ||
| Fwd PE | 7.63 | ||
| P/S | 1.44 | ||
| P/FCF | 2.16 | ||
| P/OCF | 2.13 | ||
| P/B | 1.67 | ||
| P/tB | 1.76 | ||
| EV/EBITDA | 41.52 |
EPS(TTM)5.63
EY8.1%
EPS(NY)9.11
Fwd EY13.11%
FCF(TTM)32.22
FCFY46.36%
OCF(TTM)32.65
OCFY46.98%
SpS48.3
BVpS41.57
TBVpS39.46
PEG (NY)0.48
PEG (5Y)0.54
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 | 0.38 |
F-Score4
WACC8.16%
ROIC/WACC0.22
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 6 / 10 to ATLC.
Can you provide the valuation status for ATLANTICUS HOLDINGS CORP?
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 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 12.34 and the Price/Book (PB) ratio is 1.67.
How financially healthy is ATLANTICUS HOLDINGS CORP?
The financial health rating of ATLANTICUS HOLDINGS CORP (ATLC) is 3 / 10.