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ATLANTICUS HOLDINGS CORP (ATLC) Stock Fundamental Analysis

NASDAQ:ATLC - Nasdaq - US04914Y1029 - Common Stock - Currency: USD

49.54  -0.03 (-0.06%)

Fundamental Rating

6

ATLC gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 53 industry peers in the Consumer Finance industry. Both the profitability and the financial health of ATLC get a neutral evaluation. Nothing too spectacular is happening here. ATLC is growing strongly while it also seems undervalued. This is an interesting combination


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

The Return On Assets of ATLC (2.92%) is better than 62.26% of its industry peers.
With a decent Return On Equity value of 16.66%, ATLC is doing good in the industry, outperforming 66.04% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 3.82%, ATLC is in line with its industry, outperforming 54.72% 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 10.42%.
Industry RankSector Rank
ROA 2.92%
ROE 16.66%
ROIC 3.82%
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

ATLC has a Profit Margin of 15.56%. This is in the better half of the industry: ATLC outperforms 66.04% of its industry peers.
In the last couple of years the Profit Margin of ATLC has grown nicely.
ATLC has a Operating Margin of 23.91%. This is in the better half of the industry: ATLC outperforms 75.47% of its industry peers.
In the last couple of years the Operating Margin of ATLC has grown nicely.
ATLC's Gross Margin of 51.67% is in line compared to the rest of the industry. ATLC outperforms 50.94% of its industry peers.
ATLC's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 23.91%
PM (TTM) 15.56%
GM 51.67%
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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4

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
ATLC has less shares outstanding than it did 5 years ago.
The debt/assets ratio for ATLC is higher compared to a year ago.
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

ATLC has an Altman-Z score of 0.74. 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 (0.74) which is in line with its industry peers.
ATLC has a debt to FCF ratio of 5.18. This is a neutral value as ATLC would need 5.18 years to pay back of all of its debts.
The Debt to FCF ratio of ATLC (5.18) is better than 66.04% of its industry peers.
A Debt/Equity ratio of 4.32 is on the high side and indicates that ATLC has dependencies on debt financing.
The Debt to Equity ratio of ATLC (4.32) is worse than 69.81% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.32
Debt/FCF 5.18
Altman-Z 0.74
ROIC/WACC0.49
WACC7.82%
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

ATLC has a Current Ratio of 1.68. 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 Current ratio of 1.68 is fine compared to the rest of the industry. ATLC outperforms 62.26% of its industry peers.
A Quick Ratio of 1.68 indicates that ATLC should not have too much problems paying its short term obligations.
With a decent Quick ratio value of 1.68, ATLC is doing good in the industry, outperforming 62.26% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.68
Quick Ratio 1.68
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 23.10% over the past year.
The Earnings Per Share has been growing by 22.82% on average over the past years. This is a very strong growth
ATLC shows a strong growth in Revenue. In the last year, the Revenue has grown by 26.02%.
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)23.1%
EPS 3Y-14.56%
EPS 5Y22.82%
EPS Q2Q%36.7%
Revenue 1Y (TTM)26.02%
Revenue growth 3Y2.98%
Revenue growth 5Y10.83%
Sales Q2Q%18.73%

3.2 Future

The Earnings Per Share is expected to grow by 35.56% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 18.37% on average over the next years. This is quite good.
EPS Next Y25.46%
EPS Next 2Y28.25%
EPS Next 3Y35.56%
EPS Next 5YN/A
Revenue Next Year11.8%
Revenue Next 2Y12.25%
Revenue Next 3Y18.37%
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.
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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9

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 9.58, which indicates a very decent valuation of ATLC.
62.26% 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 (27.03), we can say ATLC is valued rather cheaply.
ATLC is valuated cheaply with a Price/Forward Earnings ratio of 6.31.
81.13% of the companies in the same industry are more expensive than ATLC, based on the Price/Forward Earnings ratio.
ATLC is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.28, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.58
Fwd PE 6.31
ATLC Price Earnings VS Forward Price EarningsATLC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of ATLC is on the same level as its industry peers.
ATLC's Price/Free Cash Flow ratio is rather cheap when compared to the industry. ATLC is cheaper than 86.79% of the companies in the same industry.
Industry RankSector Rank
P/FCF 1.57
EV/EBITDA 18.89
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 35.56% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.38
PEG (5Y)0.42
EPS Next 2Y28.25%
EPS Next 3Y35.56%

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0

5. Dividend

5.1 Amount

ATLC does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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ATLANTICUS HOLDINGS CORP

NASDAQ:ATLC (8/6/2025, 2:05:57 PM)

49.54

-0.03 (-0.06%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)05-08 2025-05-08/amc
Earnings (Next)08-08 2025-08-08/amc
Inst Owners20.21%
Inst Owner Change-0.89%
Ins Owners37.61%
Ins Owner Change-0.74%
Market Cap749.54M
Analysts83.08
Price Target69.51 (40.31%)
Short Float %5%
Short Ratio4.06
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend1.74
Dividend Growth(5Y)29.87%
DP26.3%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.98%
Min EPS beat(2)-1.55%
Max EPS beat(2)9.5%
EPS beat(4)3
Avg EPS beat(4)3.88%
Min EPS beat(4)-1.55%
Max EPS beat(4)9.5%
EPS beat(8)6
Avg EPS beat(8)8.07%
EPS beat(12)8
Avg EPS beat(12)3.77%
EPS beat(16)10
Avg EPS beat(16)6.78%
Revenue beat(2)0
Avg Revenue beat(2)-2.46%
Min Revenue beat(2)-2.55%
Max Revenue beat(2)-2.38%
Revenue beat(4)1
Avg Revenue beat(4)0.01%
Min Revenue beat(4)-2.55%
Max Revenue beat(4)5.38%
Revenue beat(8)2
Avg Revenue beat(8)-0.99%
Revenue beat(12)2
Avg Revenue beat(12)-15.9%
Revenue beat(16)2
Avg Revenue beat(16)-19.68%
PT rev (1m)0%
PT rev (3m)4.38%
EPS NQ rev (1m)-4.95%
EPS NQ rev (3m)-10.24%
EPS NY rev (1m)0%
EPS NY rev (3m)-4.12%
Revenue NQ rev (1m)0.05%
Revenue NQ rev (3m)0.27%
Revenue NY rev (1m)0.27%
Revenue NY rev (3m)-0.13%
Valuation
Industry RankSector Rank
PE 9.58
Fwd PE 6.31
P/S 1.22
P/FCF 1.57
P/OCF 1.55
P/B 1.31
P/tB 1.31
EV/EBITDA 18.89
EPS(TTM)5.17
EY10.44%
EPS(NY)7.85
Fwd EY15.84%
FCF(TTM)31.58
FCFY63.74%
OCF(TTM)31.87
OCFY64.33%
SpS40.53
BVpS37.85
TBVpS37.85
PEG (NY)0.38
PEG (5Y)0.42
Profitability
Industry RankSector Rank
ROA 2.92%
ROE 16.66%
ROCE 4.82%
ROIC 3.82%
ROICexc 4.32%
ROICexgc 4.32%
OM 23.91%
PM (TTM) 15.56%
GM 51.67%
FCFM 77.91%
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 Turnover0.19
Health
Industry RankSector Rank
Debt/Equity 4.32
Debt/FCF 5.18
Debt/EBITDA 16.26
Cap/Depr 79.55%
Cap/Sales 0.72%
Interest Coverage 0.94
Cash Conversion 316.89%
Profit Quality 500.63%
Current Ratio 1.68
Quick Ratio 1.68
Altman-Z 0.74
F-Score6
WACC7.82%
ROIC/WACC0.49
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)23.1%
EPS 3Y-14.56%
EPS 5Y22.82%
EPS Q2Q%36.7%
EPS Next Y25.46%
EPS Next 2Y28.25%
EPS Next 3Y35.56%
EPS Next 5YN/A
Revenue 1Y (TTM)26.02%
Revenue growth 3Y2.98%
Revenue growth 5Y10.83%
Sales Q2Q%18.73%
Revenue Next Year11.8%
Revenue Next 2Y12.25%
Revenue Next 3Y18.37%
Revenue Next 5YN/A
EBIT growth 1Y15.16%
EBIT growth 3Y-17.74%
EBIT growth 5Y34.23%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y32.9%
FCF growth 3Y31.57%
FCF growth 5Y36.22%
OCF growth 1Y31.35%
OCF growth 3Y30.26%
OCF growth 5Y36.24%