ATLANTICUS HOLDINGS CORP (ATLC) Stock Fundamental Analysis
USA - NASDAQ:ATLC - US04914Y1029 - Common Stock
73.195 USD
+0.59 (+0.82%)
Taking everything into account, ATLC scores 6 out of 10 in our fundamental rating. ATLC was compared to 54 industry peers in the Consumer Finance industry. There are concerns on the financial health of ATLC while its profitability can be described as average. ATLC has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare combination!
1. Profitability
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.
Each year in the past 5 years ATLC had a positive operating cash flow.
1.2 Ratios
ATLC has a Return On Assets (2.90%) which is in line with its industry peers.
The Return On Equity of ATLC (17.54%) is better than 66.67% of its industry peers.
The Return On Invested Capital of ATLC (3.72%) is comparable to the rest of the industry.
Measured over the past 3 years, the Average Return On Invested Capital for ATLC is significantly below the industry average of 11.02%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.9% | ||
| ROE | 17.54% | ||
| ROIC | 3.72% |
ROA(3y)3.39%
ROA(5y)4.91%
ROE(3y)17.73%
ROE(5y)25.03%
ROIC(3y)4.28%
ROIC(5y)6.32%
1.3 Margins
The Profit Margin of ATLC (16.01%) is better than 64.81% of its industry peers.
ATLC's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 23.93%, ATLC is in the better half of the industry, outperforming 74.07% of the companies in the same industry.
In the last couple of years the Operating Margin of ATLC has grown nicely.
ATLC's Gross Margin of 51.81% is in line compared to the rest of the industry. ATLC outperforms 50.00% of its industry peers.
ATLC's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 23.93% | ||
| PM (TTM) | 16.01% | ||
| GM | 51.81% |
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%
2. Health
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 more shares outstanding
Compared to 5 years ago, ATLC has less shares outstanding
Compared to 1 year ago, ATLC has a worse debt to assets ratio.
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.
With a Altman-Z score value of 0.75, ATLC perfoms like the industry average, outperforming 53.70% of the companies in the same industry.
ATLC has a debt to FCF ratio of 5.63. This is a neutral value as ATLC would need 5.63 years to pay back of all of its debts.
ATLC has a Debt to FCF ratio of 5.63. This is in the better half of the industry: ATLC outperforms 64.81% of its industry peers.
A Debt/Equity ratio of 4.60 is on the high side and indicates that ATLC has dependencies on debt financing.
ATLC's Debt to Equity ratio of 4.60 is on the low side compared to the rest of the industry. ATLC is outperformed by 74.07% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.6 | ||
| Debt/FCF | 5.63 | ||
| Altman-Z | 0.75 |
ROIC/WACC0.43
WACC8.6%
2.3 Liquidity
A Current Ratio of 1.39 indicates that ATLC should not have too much problems paying its short term obligations.
With a Current ratio value of 1.39, ATLC perfoms like the industry average, outperforming 57.41% of the companies in the same industry.
ATLC has a Quick Ratio of 1.39. 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 Quick ratio (1.39) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.39 | ||
| Quick Ratio | 1.39 |
3. Growth
3.1 Past
ATLC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 36.45%, which is quite impressive.
ATLC shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 22.82% yearly.
The Revenue has grown by 31.28% in the past year. This is a very strong growth!
ATLC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.83% yearly.
EPS 1Y (TTM)36.45%
EPS 3Y-14.56%
EPS 5Y22.82%
EPS Q2Q%52.53%
Revenue 1Y (TTM)31.28%
Revenue growth 3Y2.98%
Revenue growth 5Y10.83%
Sales Q2Q%24.73%
3.2 Future
ATLC is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 37.21% yearly.
The Revenue is expected to grow by 20.16% on average over the next years. This is a very strong growth
EPS Next Y29.8%
EPS Next 2Y28.97%
EPS Next 3Y37.21%
EPS Next 5YN/A
Revenue Next Year17.55%
Revenue Next 2Y15.07%
Revenue Next 3Y20.16%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 12.86 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.
Compared to an average S&P500 Price/Earnings ratio of 27.20, ATLC is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 9.23, the valuation of ATLC can be described as reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as ATLC.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.71, ATLC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.86 | ||
| Fwd PE | 9.23 |
4.2 Price Multiples
ATLC's Enterprise Value to EBITDA ratio is in line with the industry average.
83.33% of the companies in the same industry are more expensive than ATLC, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.25 | ||
| EV/EBITDA | 21.59 |
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.
ATLC has a very decent profitability rating, which may justify a higher PE ratio.
A more expensive valuation may be justified as ATLC's earnings are expected to grow with 37.21% in the coming years.
PEG (NY)0.43
PEG (5Y)0.56
EPS Next 2Y28.97%
EPS Next 3Y37.21%
5. Dividend
5.1 Amount
ATLC does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NASDAQ:ATLC (9/17/2025, 11:50:03 AM)
73.195
+0.59 (+0.82%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners20.19%
Inst Owner Change9.78%
Ins Owners37.61%
Ins Owner Change0.4%
Market Cap1.11B
Analysts85
Price Target73.78 (0.8%)
Short Float %5.74%
Short Ratio5.29
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly Dividend1.74
Dividend Growth(5Y)29.87%
DP19.91%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)9.54%
Min EPS beat(2)-1.55%
Max EPS beat(2)20.63%
EPS beat(4)3
Avg EPS beat(4)7.37%
Min EPS beat(4)-1.55%
Max EPS beat(4)20.63%
EPS beat(8)6
Avg EPS beat(8)6.18%
EPS beat(12)9
Avg EPS beat(12)5.62%
EPS beat(16)10
Avg EPS beat(16)7.59%
Revenue beat(2)1
Avg Revenue beat(2)2.77%
Min Revenue beat(2)-2.55%
Max Revenue beat(2)8.09%
Revenue beat(4)2
Avg Revenue beat(4)2.14%
Min Revenue beat(4)-2.55%
Max Revenue beat(4)8.09%
Revenue beat(8)2
Avg Revenue beat(8)-0.66%
Revenue beat(12)3
Avg Revenue beat(12)-11%
Revenue beat(16)3
Avg Revenue beat(16)-17.82%
PT rev (1m)5.49%
PT rev (3m)6.15%
EPS NQ rev (1m)1.15%
EPS NQ rev (3m)10.26%
EPS NY rev (1m)3.46%
EPS NY rev (3m)-0.7%
Revenue NQ rev (1m)2.33%
Revenue NQ rev (3m)7.85%
Revenue NY rev (1m)5.14%
Revenue NY rev (3m)4.52%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.86 | ||
| Fwd PE | 9.23 | ||
| P/S | 1.68 | ||
| P/FCF | 2.25 | ||
| P/OCF | 2.22 | ||
| P/B | 1.84 | ||
| P/tB | 1.84 | ||
| EV/EBITDA | 21.59 |
EPS(TTM)5.69
EY7.77%
EPS(NY)7.93
Fwd EY10.84%
FCF(TTM)32.57
FCFY44.49%
OCF(TTM)33
OCFY45.08%
SpS43.68
BVpS39.88
TBVpS39.88
PEG (NY)0.43
PEG (5Y)0.56
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.9% | ||
| ROE | 17.54% | ||
| ROCE | 4.69% | ||
| ROIC | 3.72% | ||
| ROICexc | 4.12% | ||
| ROICexgc | 4.12% | ||
| OM | 23.93% | ||
| PM (TTM) | 16.01% | ||
| GM | 51.81% | ||
| FCFM | 74.56% |
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%
ROICexcg growth 3Y-33.18%
ROICexcg 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-Score6
Asset Turnover0.18
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.6 | ||
| Debt/FCF | 5.63 | ||
| Debt/EBITDA | 16.9 | ||
| Cap/Depr | 108.54% | ||
| Cap/Sales | 0.98% | ||
| Interest Coverage | 0.93 | ||
| Cash Conversion | 304.15% | ||
| Profit Quality | 465.67% | ||
| Current Ratio | 1.39 | ||
| Quick Ratio | 1.39 | ||
| Altman-Z | 0.75 |
F-Score6
WACC8.6%
ROIC/WACC0.43
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)36.45%
EPS 3Y-14.56%
EPS 5Y22.82%
EPS Q2Q%52.53%
EPS Next Y29.8%
EPS Next 2Y28.97%
EPS Next 3Y37.21%
EPS Next 5YN/A
Revenue 1Y (TTM)31.28%
Revenue growth 3Y2.98%
Revenue growth 5Y10.83%
Sales Q2Q%24.73%
Revenue Next Year17.55%
Revenue Next 2Y15.07%
Revenue Next 3Y20.16%
Revenue Next 5YN/A
EBIT growth 1Y27.63%
EBIT growth 3Y-17.74%
EBIT growth 5Y34.23%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y24.68%
FCF growth 3Y31.57%
FCF growth 5Y36.22%
OCF growth 1Y23.79%
OCF growth 3Y30.26%
OCF growth 5Y36.24%