ATLANTICUS HOLDINGS CORP (ATLC) Fundamental Analysis & Valuation

NASDAQ:ATLC • US04914Y1029

55.71 USD
+0.28 (+0.51%)
Last: Mar 10, 2026, 02:56 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

Overall ATLC gets a fundamental rating of 5 out of 10. We evaluated ATLC against 54 industry peers in the Consumer Finance industry. While ATLC is still in line with the averages on profitability rating, there are concerns on its financial health. 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

5

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.
  • 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.
  • Looking at the Return On Equity, with a value of 16.73%, ATLC is in line with its industry, outperforming 59.26% of the companies in the same industry.
  • With a Return On Invested Capital value of 1.83%, ATLC perfoms like the industry average, outperforming 46.30% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital 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

  • 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.
  • In the last couple of years the Profit Margin of ATLC has grown nicely.
  • ATLC has a Operating Margin of 20.97%. This is in the better half of the industry: ATLC outperforms 66.67% of its industry peers.
  • In the last couple of years the Operating Margin of ATLC has grown nicely.
  • ATLC has a Gross Margin (50.44%) which is comparable to the rest of the industry.
  • 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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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 more shares outstanding than it did 1 year ago.
  • 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.
  • ATLC has a Altman-Z score of 0.36. This is comparable to the rest of the industry: ATLC outperforms 50.00% of its industry peers.
  • 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.
  • ATLC has a Debt to FCF ratio of 12.37. This is comparable to the rest of the industry: ATLC outperforms 51.85% of its industry peers.
  • A Debt/Equity ratio of 9.59 is on the high side and indicates that ATLC has dependencies on debt financing.
  • The Debt to Equity ratio of ATLC (9.59) is worse than 85.19% of its industry peers.
Industry RankSector Rank
Debt/Equity 9.59
Debt/FCF 12.37
Altman-Z 0.36
ROIC/WACC0.24
WACC7.68%
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 comparable to the rest of the industry.
  • 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.
  • ATLC's Quick ratio of 1.15 is in line compared to the rest of the industry. ATLC outperforms 48.15% of its industry peers.
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

9

3. ATLC Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 27.66% over the past year.
  • 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.
  • The Revenue has grown by 36.98% in the past year. This is a very strong growth!
  • The Revenue has been growing by 10.83% on average over the past years. This is quite good.
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

  • Based on estimates for the next years, ATLC will show a very strong growth in Earnings Per Share. The EPS will grow by 33.96% on average per year.
  • ATLC is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 36.35% yearly.
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

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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 9.90.
  • Compared to the rest of the industry, the Price/Earnings ratio of ATLC is on the same level as its industry peers.
  • Compared to an average S&P500 Price/Earnings ratio of 26.45, ATLC is valued rather cheaply.
  • ATLC is valuated cheaply with a Price/Forward Earnings ratio of 6.25.
  • 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 24.65, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.9
Fwd PE 6.25
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

  • 62.96% of the companies in the same industry are cheaper than ATLC, based on the Enterprise Value to EBITDA ratio.
  • 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 1.73
EV/EBITDA 40.17
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.
  • A more expensive valuation may be justified as ATLC's earnings are expected to grow with 33.96% in the coming years.
PEG (NY)0.4
PEG (5Y)0.43
EPS Next 2Y36.66%
EPS Next 3Y33.96%

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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 (3/10/2026, 2:56:54 PM)

55.71

+0.28 (+0.51%)

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 Cap843.45M
Revenue(TTM)731.21M
Net Income(TTM)105.26M
Analysts87.27
Price Target93.43 (67.71%)
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 9.9
Fwd PE 6.25
P/S 1.15
P/FCF 1.73
P/OCF 1.71
P/B 1.34
P/tB 1.41
EV/EBITDA 40.17
EPS(TTM)5.63
EY10.11%
EPS(NY)8.91
Fwd EY15.99%
FCF(TTM)32.22
FCFY57.84%
OCF(TTM)32.65
OCFY58.61%
SpS48.3
BVpS41.57
TBVpS39.46
PEG (NY)0.4
PEG (5Y)0.43
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
WACC7.68%
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 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 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%.