55.69 USD
+4.24 (+8.24%)
At close: Feb 6, 2026
55.69 USD
0 (0%)
After Hours: 2/6/2026, 8:18:31 PM
Overall ATLC gets a fundamental rating of 5 out of 10. We evaluated ATLC against 54 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 growing strongly while it also seems undervalued. This is an interesting 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.
- In the past 5 years ATLC has always been profitable.
- ATLC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- With a Return On Assets value of 1.49%, ATLC is not doing good in the industry: 61.11% of the companies in the same industry are doing better.
- Looking at the Return On Equity, with a value of 16.73%, ATLC is in the better half of the industry, outperforming 61.11% of the companies in the same industry.
- Looking at the Return On Invested Capital, with a value of 1.83%, ATLC is in line with its industry, outperforming 46.30% of the companies in the same industry.
- The Average Return On Invested Capital over the past 3 years for ATLC is significantly below the industry average of 12.42%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.49% | ||
| ROE | 16.73% | ||
| ROIC | 1.83% |
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
- Looking at the Profit Margin, with a value of 14.39%, ATLC is in line with its industry, outperforming 57.41% 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 20.97%, ATLC is doing good in the industry, outperforming 66.67% of the companies in the same industry.
- In the last couple of years the Operating Margin of ATLC has grown nicely.
- Looking at the Gross Margin, with a value of 50.44%, ATLC is in line with its industry, outperforming 51.85% of the companies in the same industry.
- ATLC's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 20.97% | ||
| PM (TTM) | 14.39% | ||
| GM | 50.44% |
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.
- The number of shares outstanding for ATLC has been increased compared to 1 year ago.
- Compared to 5 years ago, ATLC has less shares outstanding
- ATLC has a worse debt/assets ratio than last year.
2.2 Solvency
- Based on the Altman-Z score of 0.36, we must say that ATLC is in the distress zone and has some risk of bankruptcy.
- The Altman-Z score of ATLC (0.36) is comparable to the rest of the industry.
- ATLC has a debt to FCF ratio of 12.37. This is a negative value and a sign of low solvency as ATLC would need 12.37 years to pay back of all of its debts.
- The Debt to FCF ratio of ATLC (12.37) is comparable to the rest of the industry.
- A Debt/Equity ratio of 9.59 is on the high side and indicates that ATLC has dependencies on debt financing.
- The Debt to Equity ratio of ATLC (9.59) is worse than 81.48% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 9.59 | ||
| Debt/FCF | 12.37 | ||
| Altman-Z | 0.36 |
ROIC/WACC0.23
WACC7.86%
2.3 Liquidity
- ATLC has a Current Ratio of 1.15. 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 of 1.15. This is comparable to the rest of the industry: ATLC outperforms 50.00% of its industry peers.
- ATLC has a Quick Ratio of 1.15. This is a normal value and indicates that ATLC is financially healthy and should not expect problems in meeting its short term obligations.
- ATLC's Quick ratio of 1.15 is in line compared to the rest of the industry. ATLC outperforms 50.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.15 | ||
| Quick Ratio | 1.15 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 27.66% 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.
- Looking at the last year, ATLC shows a very strong growth in Revenue. The Revenue has grown by 36.98%.
- The Revenue has been growing by 10.83% on average over the past years. This is quite good.
EPS 1Y (TTM)27.66%
EPS 3Y-14.56%
EPS 5Y22.82%
EPS Q2Q%-4.72%
Revenue 1Y (TTM)36.98%
Revenue growth 3Y2.98%
Revenue growth 5Y10.83%
Sales Q2Q%40.84%
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 33.96% on average per year.
- The Revenue is expected to grow by 36.35% on average over the next years. This is a very strong growth
EPS Next Y24.88%
EPS Next 2Y36.66%
EPS Next 3Y33.96%
EPS Next 5YN/A
Revenue Next Year50.11%
Revenue Next 2Y55.43%
Revenue Next 3Y36.35%
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
- 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
- ATLC is valuated reasonably with a Price/Earnings ratio of 9.89.
- 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 27.93.
- ATLC is valuated cheaply with a Price/Forward Earnings ratio of 6.25.
- 81.48% of the companies in the same industry are more expensive than ATLC, based on the Price/Forward Earnings ratio.
- ATLC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.77.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.89 | ||
| Fwd PE | 6.25 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of ATLC indicates a slightly more expensive valuation: ATLC is more expensive than 62.96% of the companies listed in the same industry.
- ATLC's Price/Free Cash Flow ratio is rather cheap when compared to the industry. ATLC is cheaper than 87.04% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.73 | ||
| EV/EBITDA | 40.2 |
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's earnings are expected to grow with 33.96% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.4
PEG (5Y)0.43
EPS Next 2Y36.66%
EPS Next 3Y33.96%
5. Dividend
5.1 Amount
- No dividends for ATLC!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
55.69
+4.24 (+8.24%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-10 2025-11-10/bmo
Earnings (Next)03-11 2026-03-11/amc
Inst Owners23.48%
Inst Owner Change1.2%
Ins Owners37.69%
Ins Owner Change0.4%
Market Cap843.15M
Revenue(TTM)731.21M
Net Income(TTM)105.26M
Analysts85
Price Target93.43 (67.77%)
Short Float %8.15%
Short Ratio6.11
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
Yearly Dividend1.74
Dividend Growth(5Y)29.87%
DP15.33%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.69%
Min EPS beat(2)-22.02%
Max EPS beat(2)20.63%
EPS beat(4)2
Avg EPS beat(4)1.64%
Min EPS beat(4)-22.02%
Max EPS beat(4)20.63%
EPS beat(8)6
Avg EPS beat(8)3.46%
EPS beat(12)8
Avg EPS beat(12)3.35%
EPS beat(16)9
Avg EPS beat(16)1.94%
Revenue beat(2)2
Avg Revenue beat(2)4.16%
Min Revenue beat(2)0.22%
Max Revenue beat(2)8.09%
Revenue beat(4)2
Avg Revenue beat(4)0.85%
Min Revenue beat(4)-2.55%
Max Revenue beat(4)8.09%
Revenue beat(8)3
Avg Revenue beat(8)-0.15%
Revenue beat(12)4
Avg Revenue beat(12)-5.92%
Revenue beat(16)4
Avg Revenue beat(16)-16.3%
PT rev (1m)5.69%
PT rev (3m)8.4%
EPS NQ rev (1m)-1.57%
EPS NQ rev (3m)-8.78%
EPS NY rev (1m)-0.58%
EPS NY rev (3m)-4.39%
Revenue NQ rev (1m)-1.34%
Revenue NQ rev (3m)6.72%
Revenue NY rev (1m)-0.2%
Revenue NY rev (3m)7.49%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.89 | ||
| Fwd PE | 6.25 | ||
| P/S | 1.15 | ||
| P/FCF | 1.73 | ||
| P/OCF | 1.71 | ||
| P/B | 1.34 | ||
| P/tB | 1.41 | ||
| EV/EBITDA | 40.2 |
EPS(TTM)5.63
EY10.11%
EPS(NY)8.91
Fwd EY16%
FCF(TTM)32.22
FCFY57.86%
OCF(TTM)32.65
OCFY58.63%
SpS48.3
BVpS41.57
TBVpS39.46
PEG (NY)0.4
PEG (5Y)0.43
Graham Number72.56
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.49% | ||
| ROE | 16.73% | ||
| ROCE | 2.3% | ||
| ROIC | 1.83% | ||
| ROICexc | 1.95% | ||
| ROICexgc | 1.96% | ||
| OM | 20.97% | ||
| PM (TTM) | 14.39% | ||
| GM | 50.44% | ||
| FCFM | 66.72% |
ROA(3y)3.39%
ROA(5y)4.91%
ROE(3y)17.73%
ROE(5y)25.03%
ROIC(3y)4.28%
ROIC(5y)6.32%
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-Score4
Asset Turnover0.1
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 9.59 | ||
| Debt/FCF | 12.37 | ||
| Debt/EBITDA | 37.59 | ||
| Cap/Depr | 90.21% | ||
| Cap/Sales | 0.89% | ||
| Interest Coverage | 0.75 | ||
| Cash Conversion | 307.91% | ||
| Profit Quality | 463.47% | ||
| Current Ratio | 1.15 | ||
| Quick Ratio | 1.15 | ||
| Altman-Z | 0.36 |
F-Score4
WACC7.86%
ROIC/WACC0.23
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)27.66%
EPS 3Y-14.56%
EPS 5Y22.82%
EPS Q2Q%-4.72%
EPS Next Y24.88%
EPS Next 2Y36.66%
EPS Next 3Y33.96%
EPS Next 5YN/A
Revenue 1Y (TTM)36.98%
Revenue growth 3Y2.98%
Revenue growth 5Y10.83%
Sales Q2Q%40.84%
Revenue Next Year50.11%
Revenue Next 2Y55.43%
Revenue Next 3Y36.35%
Revenue Next 5YN/A
EBIT growth 1Y18.5%
EBIT growth 3Y-17.74%
EBIT growth 5Y34.23%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y16.23%
FCF growth 3Y31.57%
FCF growth 5Y36.22%
OCF growth 1Y15.71%
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 5 / 10 to ATLC.
What is the valuation status for ATLC stock?
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 5 / 10.
What is the earnings growth outlook for ATLANTICUS HOLDINGS CORP?
The Earnings per Share (EPS) of ATLANTICUS HOLDINGS CORP (ATLC) is expected to grow by 24.88% in the next year.
How sustainable is the dividend of ATLANTICUS HOLDINGS CORP (ATLC) stock?
The dividend rating of ATLANTICUS HOLDINGS CORP (ATLC) is 0 / 10 and the dividend payout ratio is 15.33%.