ATLANTICUS HOLDINGS CORP (ATLC) Stock Fundamental Analysis
USA - NASDAQ:ATLC - US04914Y1029 - Common Stock
53.47 USD
-4.46 (-7.7%)
53.47 USD
0 (0%)
Overall ATLC gets a fundamental rating of 6 out of 10. We evaluated ATLC against 55 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 is evaluated to be cheap and growing strongly. This does not happen too often!
1. Profitability
1.1 Basic Checks
ATLC had positive earnings in the past year.
In the past year ATLC had a positive cash flow from operations.
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
The Return On Assets of ATLC (2.90%) is comparable to the rest of the industry.
ATLC has a Return On Equity of 17.54%. This is in the better half of the industry: ATLC outperforms 65.45% of its industry peers.
Looking at the Return On Invested Capital, with a value of 3.72%, ATLC is in line with its industry, outperforming 54.55% 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 10.98%.
| 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 has a Profit Margin of 16.01%. This is in the better half of the industry: ATLC outperforms 65.45% of its industry peers.
In the last couple of years the Profit Margin of ATLC has grown nicely.
ATLC's Operating Margin of 23.93% is fine compared to the rest of the industry. ATLC outperforms 74.55% of its industry peers.
ATLC's Operating Margin has improved in the last couple of years.
Looking at the Gross Margin, with a value of 51.81%, ATLC is in line with its industry, outperforming 50.91% of the companies in the same industry.
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
ATLC has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
ATLC has more shares outstanding than it did 1 year ago.
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
ATLC has an Altman-Z score of 0.69. This is a bad value and indicates that ATLC is not financially healthy and even has some risk of bankruptcy.
ATLC has a Altman-Z score of 0.69. This is comparable to the rest of the industry: ATLC outperforms 52.73% of its industry peers.
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.
Looking at the Debt to FCF ratio, with a value of 5.63, ATLC is in the better half of the industry, outperforming 67.27% of the companies in the same industry.
ATLC has a Debt/Equity ratio of 4.60. This is a high value indicating a heavy dependency on external 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
WACC7.93%
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.
ATLC has a Current ratio (1.39) which is in line with its industry peers.
A Quick Ratio of 1.39 indicates that ATLC should not have too much problems paying its short term obligations.
ATLC has a Quick ratio (1.39) which is comparable to the rest of the industry.
| 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.
The Earnings Per Share has been growing by 22.82% on average over the past years. This is a very strong growth
Looking at the last year, ATLC shows a very strong growth in Revenue. The Revenue has grown by 31.28%.
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
The Earnings Per Share is expected to grow by 40.50% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 30.03% on average over the next years. This is a very strong growth
EPS Next Y30.41%
EPS Next 2Y32.49%
EPS Next 3Y40.5%
EPS Next 5YN/A
Revenue Next Year27.56%
Revenue Next 2Y22.7%
Revenue Next 3Y30.03%
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 9.40, the valuation of ATLC can be described as reasonable.
61.82% of the companies in the same industry are more expensive than ATLC, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of ATLC to the average of the S&P500 Index (27.29), we can say ATLC is valued rather cheaply.
ATLC is valuated cheaply with a Price/Forward Earnings ratio of 6.39.
ATLC's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. ATLC is cheaper than 76.36% of the companies in the same industry.
ATLC is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.85, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.4 | ||
| Fwd PE | 6.39 |
4.2 Price Multiples
ATLC's Enterprise Value to EBITDA ratio is in line with the industry average.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of ATLC indicates a rather cheap valuation: ATLC is cheaper than 87.27% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.64 | ||
| EV/EBITDA | 19.82 |
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.
The decent profitability rating of ATLC may justify a higher PE ratio.
A more expensive valuation may be justified as ATLC's earnings are expected to grow with 40.50% in the coming years.
PEG (NY)0.31
PEG (5Y)0.41
EPS Next 2Y32.49%
EPS Next 3Y40.5%
5. Dividend
5.1 Amount
ATLC does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
53.47
-4.46 (-7.7%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners21.89%
Inst Owner Change-0.03%
Ins Owners37.6%
Ins Owner Change-0.16%
Market Cap809.00M
Analysts85
Price Target86.19 (61.19%)
Short Float %6.01%
Short Ratio5.85
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)18.74%
PT rev (3m)24%
EPS NQ rev (1m)3.07%
EPS NQ rev (3m)13.64%
EPS NY rev (1m)0.47%
EPS NY rev (3m)3.94%
Revenue NQ rev (1m)6.44%
Revenue NQ rev (3m)14.79%
Revenue NY rev (1m)8.51%
Revenue NY rev (3m)14.4%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.4 | ||
| Fwd PE | 6.39 | ||
| P/S | 1.22 | ||
| P/FCF | 1.64 | ||
| P/OCF | 1.62 | ||
| P/B | 1.34 | ||
| P/tB | 1.34 | ||
| EV/EBITDA | 19.82 |
EPS(TTM)5.69
EY10.64%
EPS(NY)8.37
Fwd EY15.66%
FCF(TTM)32.57
FCFY60.91%
OCF(TTM)33
OCFY61.71%
SpS43.68
BVpS39.88
TBVpS39.88
PEG (NY)0.31
PEG (5Y)0.41
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 | 0.69 |
F-Score6
WACC7.93%
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 Y30.41%
EPS Next 2Y32.49%
EPS Next 3Y40.5%
EPS Next 5YN/A
Revenue 1Y (TTM)31.28%
Revenue growth 3Y2.98%
Revenue growth 5Y10.83%
Sales Q2Q%24.73%
Revenue Next Year27.56%
Revenue Next 2Y22.7%
Revenue Next 3Y30.03%
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%