ATLANTICUS HOLDINGS CORP (ATLC) Fundamental Analysis & Valuation

NASDAQ:ATLC • US04914Y1029

Current stock price

54.73 USD
-1.24 (-2.22%)
Last:

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.
  • In the past 5 years ATLC has always 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M 400M 600M

1.2 Ratios

  • The Return On Assets of ATLC (1.47%) is worse than 62.96% of its industry peers.
  • With a Return On Equity value of 17.23%, ATLC perfoms like the industry average, outperforming 59.26% of the companies in the same industry.
  • The Return On Invested Capital of ATLC (1.73%) is comparable to the rest of the industry.
  • ATLC had an Average Return On Invested Capital over the past 3 years of 3.05%. This is significantly below the industry average of 12.12%.
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

  • With a Profit Margin value of 12.92%, ATLC perfoms like the industry average, outperforming 48.15% of the companies in the same industry.
  • In the last couple of years the Profit Margin of ATLC has declined.
  • ATLC has a Operating Margin of 18.46%. This is in the better half of the industry: ATLC outperforms 62.96% of its industry peers.
  • 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

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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.
  • Compared to 1 year ago, ATLC has about the same amount of 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.
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

  • Based on the Altman-Z score of 0.38, we must say that ATLC is in the distress zone and has some risk of bankruptcy.
  • ATLC has a Altman-Z score (0.38) which is in line with its industry peers.
  • The Debt to FCF ratio of ATLC is 10.30, which is on the high side as it means it would take ATLC, 10.30 years of fcf income to pay off all of its debts.
  • ATLC has a Debt to FCF ratio (10.30) which is comparable to the rest of the industry.
  • ATLC has a Debt/Equity ratio of 10.05. This is a high value indicating a heavy dependency on external financing.
  • Looking at the Debt to Equity ratio, with a value of 10.05, ATLC is doing worse than 85.19% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 10.05
Debt/FCF 10.3
Altman-Z 0.38
ROIC/WACC0.27
WACC6.4%
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's Current ratio of 1.49 is in line compared to the rest of the industry. ATLC outperforms 55.56% of 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.
  • With a Quick ratio value of 1.49, ATLC perfoms like the industry average, outperforming 55.56% of the companies in the same industry.
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

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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 24.95%, which is quite impressive.
  • ATLC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.77% yearly.
  • ATLC shows a strong growth in Revenue. In the last year, 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

  • ATLC is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 38.70% yearly.
  • Based on estimates for the next years, ATLC will show a very strong growth in Revenue. The Revenue will grow by 28.81% on average per year.
EPS Next Y49.46%
EPS Next 2Y38.7%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year58.56%
Revenue Next 2Y30.65%
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

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8

4. ATLC Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 9.18, the valuation of ATLC can be described as very reasonable.
  • ATLC's Price/Earnings is on the same level as the industry average.
  • When comparing the Price/Earnings ratio of ATLC to the average of the S&P500 Index (25.50), we can say ATLC is valued rather cheaply.
  • The Price/Forward Earnings ratio is 6.14, which indicates a rather cheap valuation of ATLC.
  • ATLC's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. ATLC is cheaper than 77.78% of the companies in the same industry.
  • ATLC is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.67, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.18
Fwd PE 6.14
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 85.19% of the companies in the same industry.
Industry RankSector Rank
P/FCF 1.29
EV/EBITDA 39.69
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

  • 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 38.70% in the coming years.
PEG (NY)0.19
PEG (5Y)1.05
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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Find the best dividend stocksShow peers with best dividend

ATLC Fundamentals: All Metrics, Ratios and Statistics

ATLANTICUS HOLDINGS CORP

NASDAQ:ATLC (3/25/2026, 2:18:04 PM)

54.73

-1.24 (-2.22%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)03-12
Earnings (Next)05-06
Inst Owners24.86%
Inst Owner Change5.07%
Ins Owners37.71%
Ins Owner Change-0.06%
Market Cap816.57M
Revenue(TTM)865.34M
Net Income(TTM)111.80M
Analysts87.27
Price Target93.43 (70.71%)
Short Float %9.15%
Short Ratio6.89
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%
PT rev (3m)6.72%
EPS NQ rev (1m)-12.03%
EPS NQ rev (3m)-9.8%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.92%
Revenue NQ rev (1m)-4.51%
Revenue NQ rev (3m)-3.83%
Revenue NY rev (1m)-1.48%
Revenue NY rev (3m)-1.61%
Valuation
Industry RankSector Rank
PE 9.18
Fwd PE 6.14
P/S 0.94
P/FCF 1.29
P/OCF 1.28
P/B 1.26
P/tB 1.32
EV/EBITDA 39.69
EPS(TTM)5.96
EY10.89%
EPS(NY)8.91
Fwd EY16.28%
FCF(TTM)42.42
FCFY77.51%
OCF(TTM)42.76
OCFY78.13%
SpS58
BVpS43.48
TBVpS41.45
PEG (NY)0.19
PEG (5Y)1.05
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
WACC6.4%
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 Year58.56%
Revenue Next 2Y30.65%
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.


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 11.12%.