ATLANTICUS HOLDINGS CORP (ATLC) Fundamental Analysis & Valuation

NASDAQ:ATLC • US04914Y1029

Current stock price

47.96 USD
-4.79 (-9.08%)
At close:
49.25 USD
+1.29 (+2.69%)
After Hours:

This ATLC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. ATLC Profitability Analysis

1.1 Basic Checks

  • ATLC had positive earnings in the past year.
  • In the past year ATLC had a positive cash flow from operations.
  • Of the past 5 years ATLC 4 years were profitable.
  • Of the past 5 years ATLC 4 years had a positive operating cash flow.
ATLC Yearly Net Income VS EBIT VS OCF VS FCFATLC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M 300M 400M

1.2 Ratios

  • ATLC has a worse Return On Assets (1.49%) than 64.81% of its industry peers.
  • The Return On Equity of ATLC (16.73%) is comparable to the rest of the industry.
  • Looking at the Return On Invested Capital, with a value of 1.83%, ATLC is in line with its industry, outperforming 46.30% 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 12.42%.
Industry RankSector 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%
ATLC Yearly ROA, ROE, ROICATLC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50 -50 100 -100

1.3 Margins

  • Looking at the Profit Margin, with a value of 14.39%, ATLC is in line with its industry, outperforming 55.56% of the companies in the same industry.
  • ATLC's Profit Margin has improved in the last couple of years.
  • With a decent Operating Margin value of 20.97%, ATLC is doing good in the industry, outperforming 66.67% 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 (50.44%) which is in line with its industry peers.
  • In the last couple of years the Gross Margin of ATLC has declined.
Industry RankSector 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%
ATLC Yearly Profit, Operating, Gross MarginsATLC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 60

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3

2. ATLC Health Analysis

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.
  • ATLC has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
ATLC Yearly Shares OutstandingATLC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M
ATLC Yearly Total Debt VS Total AssetsATLC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

2.2 Solvency

  • ATLC has an Altman-Z score of 0.35. 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 0.35, ATLC perfoms like the industry average, outperforming 50.00% 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 comparable to the rest of the industry.
  • ATLC has a Debt/Equity ratio of 9.59. This is a high value indicating a heavy dependency on external financing.
  • Looking at the Debt to Equity ratio, with a value of 9.59, ATLC is doing worse than 85.19% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 9.59
Debt/FCF 12.37
Altman-Z 0.35
ROIC/WACC0.24
WACC7.64%
ATLC Yearly LT Debt VS Equity VS FCFATLC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M 1B 1.5B 2B

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.
  • Looking at the Current ratio, with a value of 1.15, ATLC is in line with its industry, outperforming 48.15% of the companies in the same industry.
  • A Quick Ratio of 1.15 indicates that ATLC should not have too much problems paying its short term obligations.
  • With a Quick ratio value of 1.15, ATLC perfoms like the industry average, outperforming 48.15% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.15
Quick Ratio 1.15
ATLC Yearly Current Assets VS Current LiabilitesATLC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

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 slightly by 0.85% on average over the past years.
EPS 1Y (TTM)24.95%
EPS 3Y0.85%
EPS 5YN/A
EPS Q2Q%23.24%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%107.75%

3.2 Future

  • The Earnings Per Share is expected to grow by 38.70% on average over the next years. This is a very strong growth
  • Based on estimates for the next years, ATLC will show a very strong growth in Revenue. The Revenue will grow by 29.94% on average per year.
EPS Next Y49.46%
EPS Next 2Y38.7%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year60.95%
Revenue Next 2Y29.94%
Revenue Next 3YN/A
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.
ATLC Yearly Revenue VS EstimatesATLC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1B 2B 3B
ATLC Yearly EPS VS EstimatesATLC Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 2 4 6 8 10

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7

4. ATLC Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 8.05, the valuation of ATLC can be described as reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of ATLC is on the same level as its industry peers.
  • ATLC is valuated cheaply when we compare the Price/Earnings ratio to 25.70, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 5.38, which indicates a rather cheap valuation of ATLC.
  • Based on the Price/Forward Earnings ratio, ATLC is valued a bit cheaper than the industry average as 79.63% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.84, ATLC is valued rather cheaply.
Industry RankSector Rank
PE 8.05
Fwd PE 5.38
ATLC Price Earnings VS Forward Price EarningsATLC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, ATLC is valued a bit more expensive than 62.96% of the companies in the same industry.
  • 85.19% of the companies in the same industry are more expensive than ATLC, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 1.49
EV/EBITDA 39.92
ATLC Per share dataATLC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

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.
  • ATLC's earnings are expected to grow with 38.70% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.16
PEG (5Y)N/A
EPS Next 2Y38.7%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. ATLC Dividend Analysis

5.1 Amount

  • No dividends for ATLC!.
Industry RankSector Rank
Dividend Yield 0%

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ATLC Fundamentals: All Metrics, Ratios and Statistics

ATLANTICUS HOLDINGS CORP

NASDAQ:ATLC (3/13/2026, 8:10:33 PM)

After market: 49.25 +1.29 (+2.69%)

47.96

-4.79 (-9.08%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)03-12
Earnings (Next)N/A
Inst Owners24.86%
Inst Owner Change5.07%
Ins Owners37.71%
Ins Owner Change0.33%
Market Cap726.11M
Revenue(TTM)N/A
Net Income(TTM)105.26M
Analysts87.27
Price Target93.43 (94.81%)
Short Float %9.4%
Short Ratio7.64
Dividend
Industry RankSector 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%
PT rev (3m)6.72%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.08%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.41%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.34%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.2%
Valuation
Industry RankSector Rank
PE 8.05
Fwd PE 5.38
P/S 0.99
P/FCF 1.49
P/OCF 1.47
P/B 1.15
P/tB 1.22
EV/EBITDA 39.92
EPS(TTM)5.96
EY12.43%
EPS(NY)8.91
Fwd EY18.57%
FCF(TTM)32.22
FCFY67.18%
OCF(TTM)32.65
OCFY68.08%
SpS48.3
BVpS41.57
TBVpS39.46
PEG (NY)0.16
PEG (5Y)N/A
Graham Number74.66
Profitability
Industry RankSector 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 RankSector 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 0.35
F-Score4
WACC7.64%
ROIC/WACC0.24
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)24.95%
EPS 3Y0.85%
EPS 5YN/A
EPS Q2Q%23.24%
EPS Next Y49.46%
EPS Next 2Y38.7%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%107.75%
Revenue Next Year60.95%
Revenue Next 2Y29.94%
Revenue Next 3YN/A
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 Fundamental Analysis FAQ

What is the fundamental rating for ATLC stock?

ChartMill assigns a fundamental rating of 4 / 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 4 / 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 49.46% 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%.