ATLANTICUS HOLDINGS CORP (ATLC)

US04914Y1029 - Common Stock

30.5  +1.84 (+6.42%)

After market: 30.5 0 (0%)

Fundamental Rating

6

We assign a fundamental rating of 6 out of 10 to ATLC. ATLC was compared to 51 industry peers in the Consumer Finance industry. ATLC has only an average score on both its financial health and profitability. ATLC is valued quite cheap, while showing a decent growth score. This is a good combination! These ratings would make ATLC suitable for value investing!



6

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 better Return On Assets (2.87%) than 64.71% of its industry peers.
The Return On Equity of ATLC (14.52%) is comparable to the rest of the industry.
ATLC has a Return On Invested Capital of 4.29%. This is in the better half of the industry: ATLC outperforms 64.71% of its industry peers.
The Average Return On Invested Capital over the past 3 years for ATLC is in line with the industry average of 7.45%.
Industry RankSector Rank
ROA 2.87%
ROE 14.52%
ROIC 4.29%
ROA(3y)5.17%
ROA(5y)4.92%
ROE(3y)24.86%
ROE(5y)27.66%
ROIC(3y)7.1%
ROIC(5y)6.6%

1.3 Margins

With a decent Profit Margin value of 16.65%, ATLC is doing good in the industry, outperforming 70.59% of the companies in the same industry.
ATLC's Profit Margin has improved in the last couple of years.
ATLC's Operating Margin of 27.58% is fine compared to the rest of the industry. ATLC outperforms 74.51% of its industry peers.
ATLC's Operating Margin has improved in the last couple of years.
ATLC has a Gross Margin (54.98%) which is in line with its industry peers.
In the last couple of years the Gross Margin of ATLC has declined.
Industry RankSector Rank
OM 27.58%
PM (TTM) 16.65%
GM 54.98%
OM growth 3Y2.85%
OM growth 5Y78.61%
PM growth 3Y-0.84%
PM growth 5Y32.15%
GM growth 3Y-9.68%
GM growth 5Y-2.47%

5

2. Health

2.1 Basic Checks

ATLC has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some 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 an improved debt to assets ratio.

2.2 Solvency

ATLC has an Altman-Z score of 0.70. This is a bad value and indicates that ATLC is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.70, ATLC is in line with its industry, outperforming 52.94% of the companies in the same industry.
The Debt to FCF ratio of ATLC is 4.41, which is a neutral value as it means it would take ATLC, 4.41 years of fcf income to pay off all of its debts.
ATLC has a Debt to FCF ratio of 4.41. This is in the better half of the industry: ATLC outperforms 64.71% of its industry peers.
ATLC has a Debt/Equity ratio of 3.75. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 3.75, ATLC is doing worse than 68.63% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 3.75
Debt/FCF 4.41
Altman-Z 0.7
ROIC/WACC0.65
WACC6.6%

2.3 Liquidity

ATLC has a Current Ratio of 2.19. This indicates that ATLC is financially healthy and has no problem in meeting its short term obligations.
The Current ratio of ATLC (2.19) is better than 66.67% of its industry peers.
A Quick Ratio of 2.19 indicates that ATLC has no problem at all paying its short term obligations.
ATLC has a Quick ratio of 2.19. This is in the better half of the industry: ATLC outperforms 66.67% of its industry peers.
Industry RankSector Rank
Current Ratio 2.19
Quick Ratio 2.19

6

3. Growth

3.1 Past

The earnings per share for ATLC have decreased strongly by -27.88% in the last year.
The Earnings Per Share has been growing by 48.98% on average over the past years. This is a very strong growth
The Revenue has decreased by -0.76% in the past year.
Measured over the past years, ATLC shows a quite strong growth in Revenue. The Revenue has been growing by 19.52% on average per year.
EPS 1Y (TTM)-27.88%
EPS 3Y2.38%
EPS 5Y48.98%
EPS growth Q2Q8.16%
Revenue 1Y (TTM)-0.76%
Revenue growth 3Y1.08%
Revenue growth 5Y19.52%
Revenue growth Q2Q16.95%

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 28.14% on average per year.
ATLC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.18% yearly.
EPS Next Y31.43%
EPS Next 2Y28.14%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year15.14%
Revenue Next 2Y12.18%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.

8

4. Valuation

4.1 Price/Earnings Ratio

ATLC is valuated cheaply with a Price/Earnings ratio of 7.28.
ATLC's Price/Earnings ratio is a bit cheaper when compared to the industry. ATLC is cheaper than 72.55% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.42. ATLC is valued rather cheaply when compared to this.
ATLC is valuated cheaply with a Price/Forward Earnings ratio of 5.54.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ATLC indicates a somewhat cheap valuation: ATLC is cheaper than 78.43% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.74, ATLC is valued rather cheaply.
Industry RankSector Rank
PE 7.28
Fwd PE 5.54

4.2 Price Multiples

The rest of the industry has a similar Enterprise Value to EBITDA ratio as ATLC.
Based on the Price/Free Cash Flow ratio, ATLC is valued cheaply inside the industry as 88.24% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 0.98
EV/EBITDA 15.92

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.
ATLC's earnings are expected to grow with 28.14% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.23
PEG (5Y)0.15
EPS Next 2Y28.14%
EPS Next 3YN/A

0

5. Dividend

5.1 Amount

No dividends for ATLC!.
Industry RankSector Rank
Dividend Yield N/A

ATLANTICUS HOLDINGS CORP

NASDAQ:ATLC (3/27/2024, 8:00:48 PM)

After market: 30.5 0 (0%)

30.5

+1.84 (+6.42%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap445.61M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield N/A
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
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PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 7.28
Fwd PE 5.54
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.23
PEG (5Y)0.15
Profitability
Industry RankSector Rank
ROA 2.87%
ROE 14.52%
ROCE
ROIC
ROICexc
ROICexgc
OM 27.58%
PM (TTM) 16.65%
GM 54.98%
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.17
Health
Industry RankSector Rank
Debt/Equity 3.75
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio 2.19
Quick Ratio 2.19
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-27.88%
EPS 3Y2.38%
EPS 5Y
EPS growth Q2Q
EPS Next Y31.43%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-0.76%
Revenue growth 3Y1.08%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
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Revenue Next 3Y
Revenue Next 5Y
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EBIT growth 3Y
EBIT growth 5Y
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