ATLANTICUS HOLDINGS CORP (ATLC) Fundamental Analysis & Valuation

NASDAQ:ATLC • US04914Y1029

56.47 USD
+1.04 (+1.88%)
At close: Mar 10, 2026
56.47 USD
0 (0%)
After Hours: 3/10/2026, 8:06:56 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

Fundamental Rating

5

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. ATLC has a medium profitability rating, but doesn't score so well on its financial health evaluation. ATLC has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare combination!


Dividend Valuation Growth Profitability Health

5

1. ATLC Profitability Analysis

1.1 Basic Checks

  • In the past year ATLC was profitable.
  • ATLC had a positive operating cash flow in the past year.
  • Each year in the past 5 years ATLC has been profitable.
  • In the past 5 years ATLC always reported a positive cash flow from operatings.
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

  • With a Return On Assets value of 1.49%, ATLC is not doing good in the industry: 64.81% of the companies in the same industry are doing better.
  • ATLC has a Return On Equity (16.73%) which is comparable to the rest of the industry.
  • ATLC has a Return On Invested Capital of 1.83%. This is comparable to the rest of the industry: ATLC outperforms 46.30% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for ATLC 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

  • ATLC has a Profit Margin of 14.39%. This is comparable to the rest of the industry: ATLC outperforms 55.56% of its industry peers.
  • ATLC's Profit Margin has improved in the last couple of years.
  • ATLC's Operating Margin of 20.97% is fine compared to the rest of the industry. ATLC outperforms 66.67% of its industry peers.
  • ATLC's Operating Margin has improved in the last couple of years.
  • With a Gross Margin value of 50.44%, ATLC perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
  • ATLC's Gross Margin has declined in the last couple of years.
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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. ATLC Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so ATLC is destroying value.
  • Compared to 1 year ago, ATLC has more shares outstanding
  • Compared to 5 years ago, ATLC has less shares outstanding
  • 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 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

  • Based on the Altman-Z score of 0.36, we must say that ATLC is in the distress zone and has some risk of bankruptcy.
  • The Altman-Z score of ATLC (0.36) is comparable to the rest of the industry.
  • The Debt to FCF ratio of ATLC is 12.37, which is on the high side as it means it would take ATLC, 12.37 years of fcf income to pay off 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.
  • A Debt/Equity ratio of 9.59 is on the high side and indicates that ATLC has dependencies on debt financing.
  • ATLC has a Debt to Equity ratio of 9.59. This is amonst the worse of the industry: ATLC underperforms 85.19% of its industry peers.
Industry RankSector Rank
Debt/Equity 9.59
Debt/FCF 12.37
Altman-Z 0.36
ROIC/WACC0.24
WACC7.66%
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

  • A Current Ratio of 1.15 indicates that ATLC should not have too much problems paying its short term obligations.
  • ATLC has a Current ratio (1.15) which is in line with 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.
  • The Quick ratio of ATLC (1.15) is comparable to the rest of the 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

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

  • 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.
  • 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.
  • ATLC shows a strong growth in Revenue. In the last year, the Revenue has grown by 36.98%.
  • Measured over the past years, ATLC shows a quite strong growth in Revenue. The Revenue has been growing by 10.83% on average per year.
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 33.96% yearly.
  • The Revenue is expected to grow by 36.35% on average over the next years. This is a very strong growth
EPS Next Y24.88%
EPS Next 2Y36.66%
EPS Next 3Y33.96%
EPS Next 5YN/A
Revenue Next Year50.11%
Revenue Next 2Y55.43%
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.
  • 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 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

More info and screens

Find the best growth stocksShow best growing peers

7

4. ATLC Valuation Analysis

4.1 Price/Earnings Ratio

  • ATLC is valuated reasonably with a Price/Earnings ratio of 10.03.
  • ATLC's Price/Earnings ratio is in line with the industry average.
  • Compared to an average S&P500 Price/Earnings ratio of 26.25, ATLC is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 6.34, the valuation of ATLC can be described as very cheap.
  • 79.63% of the companies in the same industry are more expensive than ATLC, based on the Price/Forward Earnings ratio.
  • ATLC is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.39, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.03
Fwd PE 6.34
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 1.75
EV/EBITDA 40.27
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 33.96% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.4
PEG (5Y)0.44
EPS Next 2Y36.66%
EPS Next 3Y33.96%

More info and screens

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%

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 (3/10/2026, 8:06:56 PM)

After market: 56.47 0 (0%)

56.47

+1.04 (+1.88%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-10
Earnings (Next)03-18
Inst Owners24.86%
Inst Owner Change5.07%
Ins Owners37.71%
Ins Owner Change0.56%
Market Cap854.96M
Revenue(TTM)731.21M
Net Income(TTM)105.26M
Analysts87.27
Price Target93.43 (65.45%)
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 10.03
Fwd PE 6.34
P/S 1.17
P/FCF 1.75
P/OCF 1.73
P/B 1.36
P/tB 1.43
EV/EBITDA 40.27
EPS(TTM)5.63
EY9.97%
EPS(NY)8.91
Fwd EY15.77%
FCF(TTM)32.22
FCFY57.06%
OCF(TTM)32.65
OCFY57.82%
SpS48.3
BVpS41.57
TBVpS39.46
PEG (NY)0.4
PEG (5Y)0.44
Graham Number72.56
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 0.36
F-Score4
WACC7.66%
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)27.66%
EPS 3Y-14.56%
EPS 5Y22.82%
EPS Q2Q%-4.72%
EPS Next Y24.88%
EPS Next 2Y36.66%
EPS Next 3Y33.96%
EPS Next 5YN/A
Revenue 1Y (TTM)36.98%
Revenue growth 3Y2.98%
Revenue growth 5Y10.83%
Sales Q2Q%40.84%
Revenue Next Year50.11%
Revenue Next 2Y55.43%
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 24.88% 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%.