ATLANTICUS HOLDINGS CORP (ATLC) Fundamental Analysis & Valuation

NASDAQ:ATLC • US04914Y1029

Current stock price

53.45 USD
-0.63 (-1.16%)
At close:
53.45 USD
0 (0%)
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.
  • ATLC had a positive operating cash flow in the past year.
  • 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.
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 2025 0 200M 400M 600M

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.
  • ATLC has a Return On Invested Capital (1.73%) which is in line with its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for ATLC is significantly below the industry average of 9.87%.
Industry RankSector 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%
ATLC Yearly ROA, ROE, ROICATLC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50 -50 100 -100

1.3 Margins

  • ATLC's Profit Margin of 12.92% is in line compared to the rest of the industry. ATLC outperforms 48.15% of its industry peers.
  • In the last couple of years the Profit Margin of ATLC has declined.
  • Looking at the Operating Margin, with a value of 18.46%, ATLC is in the better half of the industry, outperforming 62.96% of the companies in the same industry.
  • In the last couple of years the Operating Margin of ATLC has declined.
  • ATLC has a Gross Margin (46.52%) which is in line with its industry peers.
  • ATLC's Gross Margin has declined in the last couple of years.
Industry RankSector 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%
ATLC Yearly Profit, Operating, Gross MarginsATLC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 40 60

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

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.
  • The number of shares outstanding for ATLC has been reduced compared to 5 years ago.
  • ATLC has a worse debt/assets ratio than last year.
ATLC Yearly Shares OutstandingATLC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 2B 4B 6B

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.
  • ATLC has a Altman-Z score (0.38) which is comparable to the rest of the industry.
  • 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.
  • Looking at the Debt to FCF ratio, with a value of 10.30, ATLC is in line with its industry, outperforming 55.56% of the companies in the same industry.
  • ATLC has a Debt/Equity ratio of 10.05. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 10.05, ATLC is not doing good in the industry: 87.04% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 10.05
Debt/FCF 10.3
Altman-Z 0.38
ROIC/WACC0.27
WACC6.33%
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 2025 0 2B 4B 6B

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 in line with its industry peers.
  • 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's Quick ratio of 1.49 is in line compared to the rest of the industry. ATLC outperforms 55.56% of its industry peers.
Industry RankSector Rank
Current Ratio 1.49
Quick Ratio 1.49
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 2025 200M 400M 600M

More info and screens

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

9

3. ATLC Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 24.95% over the past year.
  • ATLC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.77% yearly.
  • 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

  • The Earnings Per Share is expected to grow by 38.70% on average over the next years. This is a very strong growth
  • 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.
  • The Revenue 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 2028 1B 2B 3B 4B
ATLC Yearly EPS VS EstimatesATLC Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 2 4 6 8 10

More info and screens

Find the best growth stocksShow best growing peers

8

4. ATLC Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 8.97, which indicates a very decent valuation of ATLC.
  • ATLC's Price/Earnings ratio is in line with the industry average.
  • When comparing the Price/Earnings ratio of ATLC to the average of the S&P500 Index (26.17), we can say ATLC is valued rather cheaply.
  • ATLC is valuated cheaply with a Price/Forward Earnings ratio of 6.00.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of ATLC indicates a somewhat cheap valuation: ATLC is cheaper than 79.63% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.05, ATLC is valued rather cheaply.
Industry RankSector Rank
PE 8.97
Fwd PE 6
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

  • ATLC's Enterprise Value to EBITDA is on the same level as the industry average.
  • Based on the Price/Free Cash Flow ratio, ATLC is valued cheaper than 85.19% of the companies in the same industry.
Industry RankSector Rank
P/FCF 1.26
EV/EBITDA 39.47
ATLC Per share dataATLC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

4.3 Compensation for Growth

  • The 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)0.18
PEG (5Y)1.02
EPS Next 2Y38.7%
EPS Next 3YN/A

More info and screens

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

0

5. ATLC Dividend Analysis

5.1 Amount

  • ATLC does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

ATLC Fundamentals: All Metrics, Ratios and Statistics

ATLANTICUS HOLDINGS CORP

NASDAQ:ATLC (4/2/2026, 8:08:44 PM)

After market: 53.45 0 (0%)

53.45

-0.63 (-1.16%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)03-12
Earnings (Next)05-06
Inst Owners24.86%
Inst Owner Change0%
Ins Owners37.71%
Ins Owner Change7%
Market Cap797.47M
Revenue(TTM)865.34M
Net Income(TTM)111.80M
Analysts87.27
Price Target94.25 (76.33%)
Short Float %9.46%
Short Ratio6.98
Dividend
Industry RankSector 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 RankSector Rank
PE 8.97
Fwd PE 6
P/S 0.92
P/FCF 1.26
P/OCF 1.25
P/B 1.23
P/tB 1.29
EV/EBITDA 39.47
EPS(TTM)5.96
EY11.15%
EPS(NY)8.91
Fwd EY16.67%
FCF(TTM)42.42
FCFY79.37%
OCF(TTM)42.76
OCFY80%
SpS58
BVpS43.48
TBVpS41.45
PEG (NY)0.18
PEG (5Y)1.02
Graham Number76.36
Profitability
Industry RankSector 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 RankSector 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 0.38
F-Score4
WACC6.33%
ROIC/WACC0.27
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 8.97 and the Price/Book (PB) ratio is 1.23.


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%.