57.33 USD
-3.49 (-5.74%)
57.33 USD
0 (0%)
Taking everything into account, ATLC scores 5 out of 10 in our fundamental rating. ATLC was compared to 54 industry peers in the Consumer Finance industry. There are concerns on the financial health of ATLC while its profitability can be described as average. 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
- ATLC had positive earnings in the past year.
- In the past year ATLC had a positive cash flow from operations.
- In the past 5 years ATLC has always 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 1.49%, ATLC is not doing good in the industry: 61.11% of the companies in the same industry are doing better.
- ATLC's Return On Equity of 16.73% is fine compared to the rest of the industry. ATLC outperforms 61.11% of its industry peers.
- ATLC's Return On Invested Capital of 1.83% is in line compared to the rest of the industry. ATLC outperforms 46.30% of its industry peers.
- ATLC had an Average Return On Invested Capital over the past 3 years of 4.28%. This is significantly below the industry average of 12.42%.
| 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
- With a Profit Margin value of 14.39%, ATLC perfoms like the industry average, outperforming 57.41% of the companies in the same industry.
- In the last couple of years the Profit Margin of ATLC has grown nicely.
- Looking at the Operating Margin, with a value of 20.97%, ATLC is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
- ATLC's Operating Margin has improved in the last couple of years.
- The Gross Margin of ATLC (50.44%) 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 | 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
- ATLC has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- Compared to 1 year ago, ATLC has more shares outstanding
- The number of shares outstanding for ATLC has been reduced compared to 5 years ago.
- The debt/assets ratio for ATLC is higher compared to a year ago.
2.2 Solvency
- ATLC has an Altman-Z score of 0.36. This is a bad value and indicates that ATLC is not financially healthy and even has some risk of bankruptcy.
- ATLC's Altman-Z score of 0.36 is in line compared to the rest of the industry. ATLC outperforms 50.00% of its industry peers.
- 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.
- With a Debt to FCF ratio value of 12.37, ATLC perfoms like the industry average, outperforming 51.85% of the companies in the same industry.
- ATLC has a Debt/Equity ratio of 9.59. This is a high value indicating a heavy dependency on external financing.
- ATLC has a Debt to Equity ratio of 9.59. This is amonst the worse of the industry: ATLC underperforms 83.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 9.59 | ||
| Debt/FCF | 12.37 | ||
| Altman-Z | 0.36 |
ROIC/WACC0.23
WACC7.97%
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.
- With a Current ratio value of 1.15, ATLC perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
- 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 in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.15 | ||
| Quick Ratio | 1.15 |
3. Growth
3.1 Past
- ATLC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 27.66%, which is quite impressive.
- ATLC shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 22.82% yearly.
- Looking at the last year, ATLC shows a very strong growth in Revenue. The Revenue has grown by 36.98%.
- 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 36.35% yearly.
EPS Next Y25.6%
EPS Next 2Y38.22%
EPS Next 3Y35.57%
EPS Next 5YN/A
Revenue Next Year50.56%
Revenue Next 2Y55.6%
Revenue Next 3Y36.35%
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.
- 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 10.18, the valuation of ATLC can be described as reasonable.
- The rest of the industry has a similar Price/Earnings ratio as ATLC.
- The average S&P500 Price/Earnings ratio is at 26.94. ATLC is valued rather cheaply when compared to this.
- The Price/Forward Earnings ratio is 6.29, which indicates a rather cheap valuation of ATLC.
- Based on the Price/Forward Earnings ratio, ATLC is valued a bit cheaper than 77.78% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 23.94. ATLC is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.18 | ||
| Fwd PE | 6.29 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, ATLC is valued a bit more expensive than 61.11% of the companies in the same industry.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of ATLC indicates a rather cheap valuation: ATLC is cheaper than 85.19% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.78 | ||
| EV/EBITDA | 40.68 |
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 35.57% in the coming years.
PEG (NY)0.4
PEG (5Y)0.45
EPS Next 2Y38.22%
EPS Next 3Y35.57%
5. Dividend
5.1 Amount
- No dividends for ATLC!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
57.33
-3.49 (-5.74%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-10 2025-11-10/bmo
Earnings (Next)03-11 2026-03-11/amc
Inst Owners23.48%
Inst Owner Change0.01%
Ins Owners37.69%
Ins Owner Change0.41%
Market Cap867.98M
Revenue(TTM)731.21M
Net Income(TTM)105.26M
Analysts85
Price Target88.4 (54.2%)
Short Float %8.99%
Short Ratio6.43
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)2.56%
EPS NQ rev (1m)0.86%
EPS NQ rev (3m)-6.9%
EPS NY rev (1m)0.17%
EPS NY rev (3m)-3.69%
Revenue NQ rev (1m)1.49%
Revenue NQ rev (3m)10.05%
Revenue NY rev (1m)0.1%
Revenue NY rev (3m)18.03%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.18 | ||
| Fwd PE | 6.29 | ||
| P/S | 1.19 | ||
| P/FCF | 1.78 | ||
| P/OCF | 1.76 | ||
| P/B | 1.38 | ||
| P/tB | 1.45 | ||
| EV/EBITDA | 40.68 |
EPS(TTM)5.63
EY9.82%
EPS(NY)9.11
Fwd EY15.9%
FCF(TTM)32.22
FCFY56.2%
OCF(TTM)32.65
OCFY56.95%
SpS48.3
BVpS41.57
TBVpS39.46
PEG (NY)0.4
PEG (5Y)0.45
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 | 0.36 |
F-Score4
WACC7.97%
ROIC/WACC0.23
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 Year50.56%
Revenue Next 2Y55.6%
Revenue Next 3Y36.35%
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 5 / 10 to ATLC.
What is the valuation status for ATLC stock?
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 5 / 10.
What is the earnings growth outlook for ATLANTICUS HOLDINGS CORP?
The Earnings per Share (EPS) of ATLANTICUS HOLDINGS CORP (ATLC) is expected to grow by 25.6% in the next year.
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 15.33%.