ATLANTICUS HOLDINGS CORP (ATLC) Fundamental Analysis & Valuation

NASDAQ:ATLC • US04914Y1029

Current stock price

53.84 USD
+0.82 (+1.55%)
At close:
53.84 USD
0 (0%)
After Hours:

This ATLC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. ATLC Profitability Analysis

1.1 Basic Checks

  • ATLC had positive earnings in the past year.
  • ATLC had a positive operating cash flow in the past year.
  • ATLC had positive earnings in 4 of the past 5 years.
  • ATLC had a positive operating cash flow in 4 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M 300M 400M

1.2 Ratios

  • ATLC's Return On Assets of 1.49% is on the low side compared to the rest of the industry. ATLC is outperformed by 64.81% of its industry peers.
  • ATLC has a Return On Equity (16.73%) which is in line with its industry peers.
  • ATLC has a Return On Invested Capital (1.83%) which is comparable to the rest of the industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for ATLC is significantly below the industry average of 12.41%.
Industry RankSector 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%
ATLC Yearly ROA, ROE, ROICATLC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50 -50 100 -100

1.3 Margins

  • ATLC has a Profit Margin (14.39%) which is in line with its industry peers.
  • ATLC's Profit Margin has improved in the last couple of years.
  • ATLC has a Operating Margin of 20.97%. This is in the better half of the industry: ATLC outperforms 66.67% of its industry peers.
  • ATLC's Operating Margin has improved in the last couple of years.
  • The Gross Margin of ATLC (50.44%) is comparable to the rest of the industry.
  • In the last couple of years the Gross Margin of ATLC has declined.
Industry RankSector 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%
ATLC Yearly Profit, Operating, Gross MarginsATLC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 60

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3

2. ATLC Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so ATLC is destroying value.
  • There is no outstanding debt for ATLC. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
ATLC Yearly Shares OutstandingATLC Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

2.2 Solvency

  • ATLC has an Altman-Z score of 0.35. 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 0.35, ATLC is in line with its industry, outperforming 50.00% of the companies in the same industry.
  • The Debt to FCF ratio of ATLC is 12.37, which is on the high side as it means it would take ATLC, 12.37 years of fcf income to pay off all of its debts.
  • ATLC has a Debt to FCF ratio (12.37) which is in line with its industry peers.
  • A Debt/Equity ratio of 9.59 is on the high side and indicates that ATLC has dependencies on debt financing.
  • ATLC's Debt to Equity ratio of 9.59 is on the low side compared to the rest of the industry. ATLC is outperformed by 85.19% of its industry peers.
Industry RankSector Rank
Debt/Equity 9.59
Debt/FCF 12.37
Altman-Z 0.35
ROIC/WACC0.24
WACC7.59%
ATLC Yearly LT Debt VS Equity VS FCFATLC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M 1B 1.5B 2B

2.3 Liquidity

  • ATLC has a Current Ratio of 1.15. This is a normal value and indicates that ATLC is financially healthy and should not expect problems in meeting its short term obligations.
  • Looking at the Current ratio, with a value of 1.15, ATLC is in line with its industry, outperforming 48.15% of the companies in the same industry.
  • A Quick Ratio of 1.15 indicates that ATLC should not have too much problems paying its short term obligations.
  • ATLC has a Quick ratio (1.15) which is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 1.15
Quick Ratio 1.15
ATLC Yearly Current Assets VS Current LiabilitesATLC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. ATLC Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 24.95% over the past year.
  • The Earnings Per Share has been growing slightly by 0.85% on average over the past years.
EPS 1Y (TTM)24.95%
EPS 3Y0.85%
EPS 5YN/A
EPS Q2Q%23.24%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%107.75%

3.2 Future

  • The Earnings Per Share is expected to grow by 38.70% on average over the next years. This is a very strong growth
  • The Revenue is expected to grow by 28.81% on average over the next years. This is a very strong growth
EPS Next Y49.46%
EPS Next 2Y38.7%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year58.56%
Revenue Next 2Y30.65%
Revenue Next 3Y28.81%
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.
ATLC Yearly Revenue VS EstimatesATLC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1B 2B 3B 4B
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. ATLC Valuation Analysis

4.1 Price/Earnings Ratio

  • ATLC is valuated reasonably with a Price/Earnings ratio of 9.03.
  • 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 25.73.
  • The Price/Forward Earnings ratio is 6.04, which indicates a rather cheap valuation of ATLC.
  • Based on the Price/Forward Earnings ratio, ATLC is valued cheaply inside the industry as 81.48% of the companies are valued more expensively.
  • The average S&P500 Price/Forward Earnings ratio is at 23.72. ATLC is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 9.03
Fwd PE 6.04
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 a bit more expensive when compared to the industry. ATLC is more expensive than 62.96% of the companies in the same industry.
  • 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 1.65
EV/EBITDA 39.87
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's earnings are expected to grow with 38.70% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.18
PEG (5Y)N/A
EPS Next 2Y38.7%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. ATLC Dividend Analysis

5.1 Amount

  • ATLC does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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ATLC Fundamentals: All Metrics, Ratios and Statistics

ATLANTICUS HOLDINGS CORP

NASDAQ:ATLC (3/19/2026, 8:00:01 PM)

After market: 53.84 0 (0%)

53.84

+0.82 (+1.55%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)03-12
Earnings (Next)05-06
Inst Owners24.86%
Inst Owner Change5.07%
Ins Owners37.71%
Ins Owner Change0.33%
Market Cap803.29M
Revenue(TTM)N/A
Net Income(TTM)105.26M
Analysts87.27
Price Target93.43 (73.53%)
Short Float %9.15%
Short Ratio6.89
Dividend
Industry RankSector 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)0%
PT rev (3m)6.72%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.08%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.41%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.34%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.2%
Valuation
Industry RankSector Rank
PE 9.03
Fwd PE 6.04
P/S 1.1
P/FCF 1.65
P/OCF 1.63
P/B 1.28
P/tB 1.34
EV/EBITDA 39.87
EPS(TTM)5.96
EY11.07%
EPS(NY)8.91
Fwd EY16.55%
FCF(TTM)32.7
FCFY60.73%
OCF(TTM)33.13
OCFY61.54%
SpS49.01
BVpS42.18
TBVpS40.04
PEG (NY)0.18
PEG (5Y)N/A
Graham Number75.21
Profitability
Industry RankSector 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 RankSector 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 0.35
F-Score4
WACC7.59%
ROIC/WACC0.24
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)24.95%
EPS 3Y0.85%
EPS 5YN/A
EPS Q2Q%23.24%
EPS Next Y49.46%
EPS Next 2Y38.7%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%107.75%
Revenue Next Year58.56%
Revenue Next 2Y30.65%
Revenue Next 3Y28.81%
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 Fundamental Analysis FAQ

What is the fundamental rating for ATLC stock?

ChartMill assigns a fundamental rating of 4 / 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 4 / 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 49.46% 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%.