ATLANTICUS HOLDINGS CORP (ATLC) Stock Fundamental Analysis
USA - NASDAQ:ATLC - US04914Y1029 - Common Stock
53.33 USD
+0.88 (+1.68%)
53.33 USD
0 (0%)
ATLC gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 55 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. ATLC is evaluated to be cheap and growing strongly. This does not happen too often!
1. Profitability
1.1 Basic Checks
In the past year ATLC was profitable.
ATLC had a positive operating cash flow in the past year.
ATLC had positive earnings in each of the past 5 years.
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.
With a decent Return On Equity value of 17.54%, ATLC is doing good in the industry, outperforming 65.45% of the companies in the same industry.
With a Return On Invested Capital value of 3.72%, ATLC perfoms like the industry average, outperforming 52.73% of the companies in the same industry.
ATLC had an Average Return On Invested Capital over the past 3 years of 4.28%. This is significantly below the industry average of 11.61%.
| 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
ATLC's Profit Margin of 16.01% is fine compared to the rest of the industry. ATLC outperforms 61.82% of its industry peers.
In the last couple of years the Profit Margin of ATLC has grown nicely.
Looking at the Operating Margin, with a value of 23.93%, ATLC is in the better half of the industry, outperforming 72.73% of the companies in the same industry.
In the last couple of years the Operating Margin of ATLC has grown nicely.
ATLC has a Gross Margin of 51.81%. This is comparable to the rest of the industry: ATLC outperforms 50.91% of its industry peers.
In the last couple of years the Gross Margin of ATLC has declined.
| 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
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.
ATLC has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, ATLC has a worse debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 0.69, we must say that ATLC is in the distress zone and has some risk of bankruptcy.
With a Altman-Z score value of 0.69, ATLC perfoms like the industry average, outperforming 52.73% 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.
With a decent Debt to FCF ratio value of 5.63, ATLC is doing good in the industry, outperforming 67.27% of the companies in the same industry.
A Debt/Equity ratio of 4.60 is on the high side and indicates that ATLC has dependencies on debt financing.
The Debt to Equity ratio of ATLC (4.60) is worse than 72.73% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.6 | ||
| Debt/FCF | 5.63 | ||
| Altman-Z | 0.69 |
ROIC/WACC0.47
WACC7.94%
2.3 Liquidity
ATLC has a Current 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.
Looking at the Current ratio, with a value of 1.39, ATLC is in line with its industry, outperforming 56.36% of the companies in the same industry.
A Quick Ratio of 1.39 indicates that ATLC should not have too much problems paying its short term obligations.
ATLC's Quick ratio of 1.39 is in line compared to the rest of the industry. ATLC outperforms 56.36% of 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.
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.
Looking at the last year, ATLC shows a very strong growth in Revenue. The Revenue has grown by 31.28%.
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)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 39.05% yearly.
ATLC is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 35.51% yearly.
EPS Next Y30.62%
EPS Next 2Y33.91%
EPS Next 3Y39.05%
EPS Next 5YN/A
Revenue Next Year39.66%
Revenue Next 2Y37.78%
Revenue Next 3Y35.51%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 9.37, the valuation of ATLC can be described as reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of ATLC indicates a somewhat cheap valuation: ATLC is cheaper than 65.45% of the companies listed in the same industry.
ATLC is valuated cheaply when we compare the Price/Earnings ratio to 25.91, which is the current average of the S&P500 Index.
ATLC is valuated cheaply with a Price/Forward Earnings ratio of 6.24.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ATLC indicates a somewhat cheap valuation: ATLC is cheaper than 80.00% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.57, ATLC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.37 | ||
| Fwd PE | 6.24 |
4.2 Price Multiples
ATLC's Enterprise Value to EBITDA is on the same level as the industry average.
Based on the Price/Free Cash Flow ratio, ATLC is valued cheaply inside the industry as 87.27% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.64 | ||
| EV/EBITDA | 19.73 |
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 has a very decent profitability rating, which may justify a higher PE ratio.
ATLC's earnings are expected to grow with 39.05% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.31
PEG (5Y)0.41
EPS Next 2Y33.91%
EPS Next 3Y39.05%
5. Dividend
5.1 Amount
ATLC does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
53.33
+0.88 (+1.68%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners21.89%
Inst Owner Change1.37%
Ins Owners37.6%
Ins Owner Change-0.16%
Market Cap806.88M
Revenue(TTM)660.87M
Net Income(TTM)105.81M
Analysts85
Price Target86.19 (61.62%)
Short Float %7.06%
Short Ratio5.46
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)0%
PT rev (3m)23.23%
EPS NQ rev (1m)0.56%
EPS NQ rev (3m)13.67%
EPS NY rev (1m)0.16%
EPS NY rev (3m)4.11%
Revenue NQ rev (1m)12.59%
Revenue NQ rev (3m)28.75%
Revenue NY rev (1m)9.48%
Revenue NY rev (3m)24.92%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.37 | ||
| Fwd PE | 6.24 | ||
| P/S | 1.22 | ||
| P/FCF | 1.64 | ||
| P/OCF | 1.62 | ||
| P/B | 1.34 | ||
| P/tB | 1.34 | ||
| EV/EBITDA | 19.73 |
EPS(TTM)5.69
EY10.67%
EPS(NY)8.55
Fwd EY16.04%
FCF(TTM)32.57
FCFY61.07%
OCF(TTM)33
OCFY61.87%
SpS43.68
BVpS39.88
TBVpS39.88
PEG (NY)0.31
PEG (5Y)0.41
Graham Number71.45
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%
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-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 | 0.69 |
F-Score6
WACC7.94%
ROIC/WACC0.47
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 Y30.62%
EPS Next 2Y33.91%
EPS Next 3Y39.05%
EPS Next 5YN/A
Revenue 1Y (TTM)31.28%
Revenue growth 3Y2.98%
Revenue growth 5Y10.83%
Sales Q2Q%24.73%
Revenue Next Year39.66%
Revenue Next 2Y37.78%
Revenue Next 3Y35.51%
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%
ATLANTICUS HOLDINGS CORP / ATLC FAQ
What is the fundamental rating for ATLC stock?
ChartMill assigns a fundamental rating of 6 / 10 to ATLC.
Can you provide the valuation status for ATLANTICUS HOLDINGS CORP?
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 6 / 10.
What is the valuation of ATLANTICUS HOLDINGS CORP based on its PE and PB ratios?
The Price/Earnings (PE) ratio for ATLANTICUS HOLDINGS CORP (ATLC) is 9.37 and the Price/Book (PB) ratio is 1.34.
How financially healthy is ATLANTICUS HOLDINGS CORP?
The financial health rating of ATLANTICUS HOLDINGS CORP (ATLC) is 3 / 10.