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ATLANTICUS HOLDINGS CORP (ATLC) Stock Fundamental Analysis

NASDAQ:ATLC - US04914Y1029 - Common Stock

67.1 USD
+0.76 (+1.15%)
Last: 9/3/2025, 4:30:01 PM
67.1 USD
0 (0%)
After Hours: 9/3/2025, 4:30:01 PM
Fundamental Rating

6

We assign a fundamental rating of 6 out of 10 to ATLC. 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 is evaluated to be cheap and growing strongly. This does not happen too often!


Dividend Valuation Growth Profitability Health

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6

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.
ATLC had a positive operating cash flow in each of the past 5 years.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M 300M 400M

1.2 Ratios

ATLC's Return On Assets of 2.90% is in line compared to the rest of the industry. ATLC outperforms 59.26% of its industry peers.
Looking at the Return On Equity, with a value of 17.54%, ATLC is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
With a Return On Invested Capital value of 3.72%, ATLC perfoms like the industry average, outperforming 53.70% 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 11.02%.
Industry RankSector 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%
ATLC Yearly ROA, ROE, ROICATLC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 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 16.01%, ATLC is in the better half of the industry, outperforming 64.81% of the companies in the same industry.
ATLC's Profit Margin has improved in the last couple of years.
With a decent Operating Margin value of 23.93%, ATLC is doing good in the industry, outperforming 74.07% of the companies in the same industry.
ATLC's Operating Margin has improved in the last couple of years.
With a Gross Margin value of 51.81%, ATLC perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
In the last couple of years the Gross Margin of ATLC has declined.
Industry RankSector 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%
ATLC Yearly Profit, Operating, Gross MarginsATLC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 60

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3

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
The number of shares outstanding for ATLC has been reduced compared to 5 years ago.
Compared to 1 year ago, ATLC has a worse debt to assets ratio.
ATLC Yearly Shares OutstandingATLC Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

2.2 Solvency

Based on the Altman-Z score of 0.73, we must say that ATLC is in the distress zone and has some risk of bankruptcy.
ATLC has a Altman-Z score (0.73) which is in line with 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.
ATLC has a better Debt to FCF ratio (5.63) than 64.81% of its industry peers.
ATLC has a Debt/Equity ratio of 4.60. This is a high value indicating a heavy dependency on external financing.
ATLC has a Debt to Equity ratio of 4.60. This is in the lower half of the industry: ATLC underperforms 74.07% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.6
Debt/FCF 5.63
Altman-Z 0.73
ROIC/WACC0.44
WACC8.48%
ATLC Yearly LT Debt VS Equity VS FCFATLC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M 1B 1.5B 2B

2.3 Liquidity

A Current Ratio of 1.39 indicates that ATLC should not have too much problems paying 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.
With a Quick ratio value of 1.39, ATLC perfoms like the industry average, outperforming 57.41% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.39
Quick Ratio 1.39
ATLC Yearly Current Assets VS Current LiabilitesATLC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

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9

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 36.45% 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 31.28% 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)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 37.21% on average over the next years. This is a very strong growth
ATLC is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 20.16% yearly.
EPS Next Y29.8%
EPS Next 2Y28.97%
EPS Next 3Y37.21%
EPS Next 5YN/A
Revenue Next Year16.28%
Revenue Next 2Y14.09%
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.
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.
ATLC Yearly Revenue VS EstimatesATLC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B 2B
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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8

4. Valuation

4.1 Price/Earnings Ratio

ATLC is valuated reasonably with a Price/Earnings ratio of 11.79.
ATLC's Price/Earnings is on the same level as the industry average.
ATLC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.84.
Based on the Price/Forward Earnings ratio of 8.46, the valuation of ATLC can be described as reasonable.
ATLC's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. ATLC is cheaper than 62.96% of the companies in the same industry.
ATLC is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.48, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 11.79
Fwd PE 8.46
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

ATLC's Enterprise Value to EBITDA ratio is in line with the industry average.
Based on the Price/Free Cash Flow ratio, ATLC is valued cheaply inside the industry as 85.19% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 2.06
EV/EBITDA 21.01
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.
ATLC has a very decent profitability rating, which may justify a higher PE ratio.
ATLC's earnings are expected to grow with 37.21% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.4
PEG (5Y)0.52
EPS Next 2Y28.97%
EPS Next 3Y37.21%

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0

5. Dividend

5.1 Amount

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

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ATLANTICUS HOLDINGS CORP

NASDAQ:ATLC (9/3/2025, 4:30:01 PM)

After market: 67.1 0 (0%)

67.1

+0.76 (+1.15%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)08-07 2025-08-07/amc
Earnings (Next)11-05 2025-11-05/amc
Inst Owners20.19%
Inst Owner Change9.78%
Ins Owners37.61%
Ins Owner Change-0.9%
Market Cap1.02B
Analysts83.08
Price Target72.59 (8.18%)
Short Float %5.3%
Short Ratio4.43
Dividend
Industry RankSector 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)4.44%
PT rev (3m)9.01%
EPS NQ rev (1m)9.04%
EPS NQ rev (3m)-3.81%
EPS NY rev (1m)3.46%
EPS NY rev (3m)-0.7%
Revenue NQ rev (1m)5.73%
Revenue NQ rev (3m)4.36%
Revenue NY rev (1m)4.01%
Revenue NY rev (3m)5.06%
Valuation
Industry RankSector Rank
PE 11.79
Fwd PE 8.46
P/S 1.54
P/FCF 2.06
P/OCF 2.03
P/B 1.68
P/tB 1.68
EV/EBITDA 21.01
EPS(TTM)5.69
EY8.48%
EPS(NY)7.93
Fwd EY11.82%
FCF(TTM)32.57
FCFY48.54%
OCF(TTM)33
OCFY49.17%
SpS43.68
BVpS39.88
TBVpS39.88
PEG (NY)0.4
PEG (5Y)0.52
Profitability
Industry RankSector 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 RankSector 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 0.73
F-Score6
WACC8.48%
ROIC/WACC0.44
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 Year16.28%
Revenue Next 2Y14.09%
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%