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ATLANTICUS HOLDINGS CORP (ATLC) Stock Fundamental Analysis

NASDAQ:ATLC - Nasdaq - US04914Y1029 - Common Stock - Currency: USD

57.27  -3.35 (-5.53%)

After market: 57.27 0 (0%)

Fundamental Rating

5

Taking everything into account, ATLC scores 5 out of 10 in our fundamental rating. ATLC was compared to 53 industry peers in the Consumer Finance industry. There are concerns on the financial health of ATLC while its profitability can be described as average. An interesting combination arises when we look at growth and value: ATLC is growing strongly while it also seems undervalued.


Dividend Valuation Growth Profitability Health

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6

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.
Each year in the past 5 years ATLC has been profitable.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 100M 200M 300M 400M

1.2 Ratios

With a decent Return On Assets value of 2.67%, ATLC is doing good in the industry, outperforming 61.54% of the companies in the same industry.
Looking at the Return On Equity, with a value of 14.15%, ATLC is in line with its industry, outperforming 59.62% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 3.84%, ATLC is in line with its industry, outperforming 55.77% of the companies in the same industry.
ATLC had an Average Return On Invested Capital over the past 3 years of 7.10%. This is in line with the industry average of 7.34%.
Industry RankSector Rank
ROA 2.67%
ROE 14.15%
ROIC 3.84%
ROA(3y)5.17%
ROA(5y)4.92%
ROE(3y)24.86%
ROE(5y)27.66%
ROIC(3y)7.1%
ROIC(5y)6.6%
ATLC Yearly ROA, ROE, ROICATLC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 50 -50 100 -100

1.3 Margins

ATLC has a better Profit Margin (15.18%) than 71.15% of its industry peers.
In the last couple of years the Profit Margin of ATLC has grown nicely.
The Operating Margin of ATLC (24.24%) is better than 73.08% of its industry peers.
ATLC's Operating Margin has improved in the last couple of years.
ATLC has a Gross Margin of 51.80%. This is comparable to the rest of the industry: ATLC outperforms 53.85% of its industry peers.
In the last couple of years the Gross Margin of ATLC has declined.
Industry RankSector Rank
OM 24.24%
PM (TTM) 15.18%
GM 51.8%
OM growth 3Y2.85%
OM growth 5Y78.61%
PM growth 3Y-0.84%
PM growth 5Y32.15%
GM growth 3Y-9.68%
GM growth 5Y-2.47%
ATLC Yearly Profit, Operating, Gross MarginsATLC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 20 -20 40 60

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3

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.
Compared to 5 years ago, ATLC has less shares outstanding
ATLC has a better debt/assets ratio than last year.
ATLC Yearly Shares OutstandingATLC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 5M 10M 15M
ATLC Yearly Total Debt VS Total AssetsATLC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 500M 1B 1.5B 2B 2.5B

2.2 Solvency

Based on the Altman-Z score of 0.75, we must say that ATLC is in the distress zone and has some risk of bankruptcy.
ATLC's Altman-Z score of 0.75 is in line compared to the rest of the industry. ATLC outperforms 53.85% of its industry peers.
ATLC has a debt to FCF ratio of 4.77. This is a neutral value as ATLC would need 4.77 years to pay back of all of its debts.
ATLC has a Debt to FCF ratio of 4.77. This is comparable to the rest of the industry: ATLC outperforms 59.62% of its industry peers.
ATLC has a Debt/Equity ratio of 3.99. This is a high value indicating a heavy dependency on external financing.
ATLC has a worse Debt to Equity ratio (3.99) than 75.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.99
Debt/FCF 4.77
Altman-Z 0.75
ROIC/WACC0.49
WACC7.84%
ATLC Yearly LT Debt VS Equity VS FCFATLC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 500M 1B 1.5B 2B

2.3 Liquidity

ATLC has a Current Ratio of 1.86. 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 (1.86) which is in line with its industry peers.
A Quick Ratio of 1.86 indicates that ATLC should not have too much problems paying its short term obligations.
ATLC has a Quick ratio (1.86) which is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 1.86
Quick Ratio 1.86
ATLC Yearly Current Assets VS Current LiabilitesATLC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M 400M

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7

3. Growth

3.1 Past

ATLC shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.30%.
ATLC shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 48.98% yearly.
Looking at the last year, ATLC shows a quite strong growth in Revenue. The Revenue has grown by 19.10% in the last year.
ATLC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 19.52% yearly.
EPS 1Y (TTM)7.3%
EPS 3Y2.38%
EPS 5Y48.98%
EPS Q2Q%23.3%
Revenue 1Y (TTM)19.1%
Revenue growth 3Y1.08%
Revenue growth 5Y19.52%
Sales Q2Q%19.1%

3.2 Future

ATLC is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 25.29% yearly.
ATLC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.29% yearly.
EPS Next Y12.47%
EPS Next 2Y21.09%
EPS Next 3Y25.29%
EPS Next 5YN/A
Revenue Next Year13.86%
Revenue Next 2Y13.43%
Revenue Next 3Y12.29%
Revenue Next 5YN/A

3.3 Evolution

The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
ATLC Yearly Revenue VS EstimatesATLC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 500M 1B 1.5B
ATLC Yearly EPS VS EstimatesATLC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2 4 6 8

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7

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 12.99, 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 29.62.
A Price/Forward Earnings ratio of 9.32 indicates a reasonable valuation of ATLC.
Based on the Price/Forward Earnings ratio, ATLC is valued a bit cheaper than 65.38% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of ATLC to the average of the S&P500 Index (22.70), we can say ATLC is valued rather cheaply.
Industry RankSector Rank
PE 12.99
Fwd PE 9.32
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

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of ATLC is on the same level as its industry peers.
ATLC's Price/Free Cash Flow ratio is rather cheap when compared to the industry. ATLC is cheaper than 84.62% of the companies in the same industry.
Industry RankSector Rank
P/FCF 1.76
EV/EBITDA 20.99
ATLC Per share dataATLC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
The decent profitability rating of ATLC may justify a higher PE ratio.
ATLC's earnings are expected to grow with 25.29% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.04
PEG (5Y)0.27
EPS Next 2Y21.09%
EPS Next 3Y25.29%

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0

5. Dividend

5.1 Amount

ATLC does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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ATLANTICUS HOLDINGS CORP

NASDAQ:ATLC (2/21/2025, 8:02:07 PM)

After market: 57.27 0 (0%)

57.27

-3.35 (-5.53%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-07 2024-11-07/amc
Earnings (Next)03-12 2025-03-12/amc
Inst Owners17.24%
Inst Owner Change-95.5%
Ins Owners38.62%
Ins Owner Change-1.75%
Market Cap844.16M
Analysts83.08
Price Target64.55 (12.71%)
Short Float %2.86%
Short Ratio2.61
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend1.71
Dividend Growth(5Y)N/A
DP32.02%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.79%
Min EPS beat(2)0.91%
Max EPS beat(2)6.66%
EPS beat(4)4
Avg EPS beat(4)5.27%
Min EPS beat(4)0.91%
Max EPS beat(4)7.97%
EPS beat(8)6
Avg EPS beat(8)4.21%
EPS beat(12)7
Avg EPS beat(12)2.04%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)2.48%
Min Revenue beat(2)-0.42%
Max Revenue beat(2)5.38%
Revenue beat(4)1
Avg Revenue beat(4)-1.15%
Min Revenue beat(4)-8.46%
Max Revenue beat(4)5.38%
Revenue beat(8)2
Avg Revenue beat(8)-9.3%
Revenue beat(12)2
Avg Revenue beat(12)-22.02%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)3.5%
PT rev (3m)26.21%
EPS NQ rev (1m)3.01%
EPS NQ rev (3m)3.01%
EPS NY rev (1m)0%
EPS NY rev (3m)1.21%
Revenue NQ rev (1m)0.09%
Revenue NQ rev (3m)0.09%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.92%
Valuation
Industry RankSector Rank
PE 12.99
Fwd PE 9.32
P/S 1.58
P/FCF 1.76
P/OCF 1.76
P/B 1.47
P/tB 1.47
EV/EBITDA 20.99
EPS(TTM)4.41
EY7.7%
EPS(NY)6.14
Fwd EY10.73%
FCF(TTM)32.51
FCFY56.76%
OCF(TTM)32.53
OCFY56.79%
SpS36.22
BVpS38.85
TBVpS38.85
PEG (NY)1.04
PEG (5Y)0.27
Profitability
Industry RankSector Rank
ROA 2.67%
ROE 14.15%
ROCE 4.53%
ROIC 3.84%
ROICexc 4.31%
ROICexgc 4.31%
OM 24.24%
PM (TTM) 15.18%
GM 51.8%
FCFM 89.76%
ROA(3y)5.17%
ROA(5y)4.92%
ROE(3y)24.86%
ROE(5y)27.66%
ROIC(3y)7.1%
ROIC(5y)6.6%
ROICexc(3y)8.78%
ROICexc(5y)8.05%
ROICexgc(3y)8.78%
ROICexgc(5y)8.05%
ROCE(3y)8.38%
ROCE(5y)7.79%
ROICexcg growth 3Y-21.47%
ROICexcg growth 5Y52.96%
ROICexc growth 3Y-21.47%
ROICexc growth 5Y52.96%
OM growth 3Y2.85%
OM growth 5Y78.61%
PM growth 3Y-0.84%
PM growth 5Y32.15%
GM growth 3Y-9.68%
GM growth 5Y-2.47%
F-Score5
Asset Turnover0.18
Health
Industry RankSector Rank
Debt/Equity 3.99
Debt/FCF 4.77
Debt/EBITDA 17.01
Cap/Depr 5.67%
Cap/Sales 0.05%
Interest Coverage 0.97
Cash Conversion 356.6%
Profit Quality 591.23%
Current Ratio 1.86
Quick Ratio 1.86
Altman-Z 0.75
F-Score5
WACC7.84%
ROIC/WACC0.49
Cap/Depr(3y)161.61%
Cap/Depr(5y)99.49%
Cap/Sales(3y)1.08%
Cap/Sales(5y)0.7%
Profit Quality(3y)342.4%
Profit Quality(5y)339.25%
High Growth Momentum
Growth
EPS 1Y (TTM)7.3%
EPS 3Y2.38%
EPS 5Y48.98%
EPS Q2Q%23.3%
EPS Next Y12.47%
EPS Next 2Y21.09%
EPS Next 3Y25.29%
EPS Next 5YN/A
Revenue 1Y (TTM)19.1%
Revenue growth 3Y1.08%
Revenue growth 5Y19.52%
Sales Q2Q%19.1%
Revenue Next Year13.86%
Revenue Next 2Y13.43%
Revenue Next 3Y12.29%
Revenue Next 5YN/A
EBIT growth 1Y1.34%
EBIT growth 3Y3.97%
EBIT growth 5Y113.47%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y54.41%
FCF growth 3Y29.02%
FCF growth 5Y61.46%
OCF growth 1Y50.48%
OCF growth 3Y29.26%
OCF growth 5Y60.67%