24.8 USD
+0.03 (+0.1%)
24.76 USD
-0.04 (-0.16%)
ATLCL gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 55 industry peers in the Consumer Finance industry. ATLCL has a medium profitability rating, but doesn't score so well on its financial health evaluation. ATLCL is evaluated to be cheap and growing strongly. This does not happen too often! ATLCL also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
ATLCL had positive earnings in the past year.
ATLCL had a positive operating cash flow in the past year.
In the past 5 years ATLCL has always been profitable.
ATLCL had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
ATLCL has a Return On Assets (1.49%) which is in line with its industry peers.
Looking at the Return On Equity, with a value of 16.73%, ATLCL is in the better half of the industry, outperforming 67.27% of the companies in the same industry.
ATLCL has a Return On Invested Capital (1.83%) which is comparable to the rest of the industry.
ATLCL had an Average Return On Invested Capital over the past 3 years of 4.28%. This is significantly below the industry average of 12.59%.
| 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
The Profit Margin of ATLCL (14.39%) is better than 65.45% of its industry peers.
In the last couple of years the Profit Margin of ATLCL has grown nicely.
ATLCL has a better Operating Margin (20.97%) than 70.91% of its industry peers.
ATLCL's Operating Margin has improved in the last couple of years.
With a Gross Margin value of 50.44%, ATLCL perfoms like the industry average, outperforming 54.55% of the companies in the same industry.
In the last couple of years the Gross Margin of ATLCL has declined.
| 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so ATLCL is destroying value.
ATLCL has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, ATLCL has less shares outstanding
ATLCL has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 0.31, we must say that ATLCL is in the distress zone and has some risk of bankruptcy.
ATLCL's Altman-Z score of 0.31 is in line compared to the rest of the industry. ATLCL outperforms 43.64% of its industry peers.
ATLCL has a debt to FCF ratio of 12.37. This is a negative value and a sign of low solvency as ATLCL would need 12.37 years to pay back of all of its debts.
ATLCL has a Debt to FCF ratio (12.37) which is comparable to the rest of the industry.
A Debt/Equity ratio of 9.59 is on the high side and indicates that ATLCL has dependencies on debt financing.
ATLCL has a worse Debt to Equity ratio (9.59) than 81.82% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 9.59 | ||
| Debt/FCF | 12.37 | ||
| Altman-Z | 0.31 |
ROIC/WACC0.27
WACC6.68%
2.3 Liquidity
ATLCL has a Current Ratio of 1.15. This is a normal value and indicates that ATLCL is financially healthy and should not expect problems in meeting its short term obligations.
With a Current ratio value of 1.15, ATLCL perfoms like the industry average, outperforming 52.73% of the companies in the same industry.
ATLCL has a Quick Ratio of 1.15. This is a normal value and indicates that ATLCL is financially healthy and should not expect problems in meeting its short term obligations.
The Quick ratio of ATLCL (1.15) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.15 | ||
| Quick Ratio | 1.15 |
3. Growth
3.1 Past
ATLCL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 27.66%, which is quite impressive.
The Earnings Per Share has been growing by 22.82% on average over the past years. This is a very strong growth
The Revenue has grown by 36.98% 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)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
ATLCL is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 34.80% yearly.
The Revenue is expected to grow by 35.80% on average over the next years. This is a very strong growth
EPS Next Y25.39%
EPS Next 2Y37.29%
EPS Next 3Y34.8%
EPS Next 5YN/A
Revenue Next Year50.41%
Revenue Next 2Y55.53%
Revenue Next 3Y35.8%
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.
4. Valuation
4.1 Price/Earnings Ratio
ATLCL is valuated cheaply with a Price/Earnings ratio of 4.40.
Based on the Price/Earnings ratio, ATLCL is valued cheaper than 85.45% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.56. ATLCL is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 2.76, the valuation of ATLCL can be described as very cheap.
96.36% of the companies in the same industry are more expensive than ATLCL, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.79, ATLCL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.4 | ||
| Fwd PE | 2.76 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as ATLCL.
ATLCL's Price/Free Cash Flow ratio is rather cheap when compared to the industry. ATLCL is cheaper than 94.55% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.77 | ||
| EV/EBITDA | 37.28 |
4.3 Compensation for Growth
ATLCL's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
The decent profitability rating of ATLCL may justify a higher PE ratio.
A more expensive valuation may be justified as ATLCL's earnings are expected to grow with 34.80% in the coming years.
PEG (NY)0.17
PEG (5Y)0.19
EPS Next 2Y37.29%
EPS Next 3Y34.8%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.17%, ATLCL is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 2.44, ATLCL pays a better dividend. On top of this ATLCL pays more dividend than 87.27% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 1.87, ATLCL pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.17% |
5.2 History
The dividend of ATLCL is nicely growing with an annual growth rate of 29.87%!
ATLCL has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)29.87%
Div Incr Years0
Div Non Decr Years2
5.3 Sustainability
ATLCL pays out 15.33% of its income as dividend. This is a sustainable payout ratio.
The dividend of ATLCL is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP15.33%
EPS Next 2Y37.29%
EPS Next 3Y34.8%
ATLANTICUS HOLDINGS CORP - ATLC 6 1/8 11/30/26
NASDAQ:ATLCL (12/12/2025, 8:14:45 PM)
After market: 24.76 -0.04 (-0.16%)24.8
+0.03 (+0.1%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners23.38%
Inst Owner ChangeN/A
Ins Owners37.66%
Ins Owner ChangeN/A
Market Cap375.47M
Revenue(TTM)731.21M
Net Income(TTM)105.26M
Analysts85
Price Target36.73 (48.1%)
Short Float %0.17%
Short Ratio1.72
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.17% |
Yearly Dividend1.74
Dividend Growth(5Y)29.87%
DP15.33%
Div Incr Years0
Div Non Decr Years2
Ex-Date
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)-6.82%
PT rev (3m)35.69%
EPS NQ rev (1m)-7.78%
EPS NQ rev (3m)-2.76%
EPS NY rev (1m)-4%
EPS NY rev (3m)-3.4%
Revenue NQ rev (1m)8.18%
Revenue NQ rev (3m)71.97%
Revenue NY rev (1m)7.7%
Revenue NY rev (3m)27.95%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.4 | ||
| Fwd PE | 2.76 | ||
| P/S | 0.51 | ||
| P/FCF | 0.77 | ||
| P/OCF | 0.76 | ||
| P/B | 0.6 | ||
| P/tB | 0.63 | ||
| EV/EBITDA | 37.28 |
EPS(TTM)5.63
EY22.7%
EPS(NY)8.99
Fwd EY36.25%
FCF(TTM)32.22
FCFY129.93%
OCF(TTM)32.65
OCFY131.65%
SpS48.3
BVpS41.57
TBVpS39.46
PEG (NY)0.17
PEG (5Y)0.19
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 | 0.31 |
F-Score4
WACC6.68%
ROIC/WACC0.27
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 Y25.39%
EPS Next 2Y37.29%
EPS Next 3Y34.8%
EPS Next 5YN/A
Revenue 1Y (TTM)36.98%
Revenue growth 3Y2.98%
Revenue growth 5Y10.83%
Sales Q2Q%40.84%
Revenue Next Year50.41%
Revenue Next 2Y55.53%
Revenue Next 3Y35.8%
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 6 1/8 11/30/26 / ATLCL FAQ
Can you provide the ChartMill fundamental rating for ATLANTICUS HOLDINGS CORP - ATLC 6 1/8 11/30/26?
ChartMill assigns a fundamental rating of 6 / 10 to ATLCL.
Can you provide the valuation status for ATLANTICUS HOLDINGS CORP - ATLC 6 1/8 11/30/26?
ChartMill assigns a valuation rating of 9 / 10 to ATLANTICUS HOLDINGS CORP - ATLC 6 1/8 11/30/26 (ATLCL). This can be considered as Undervalued.
Can you provide the profitability details for ATLANTICUS HOLDINGS CORP - ATLC 6 1/8 11/30/26?
ATLANTICUS HOLDINGS CORP - ATLC 6 1/8 11/30/26 (ATLCL) has a profitability rating of 6 / 10.
What is the expected EPS growth for ATLANTICUS HOLDINGS CORP - ATLC 6 1/8 11/30/26 (ATLCL) stock?
The Earnings per Share (EPS) of ATLANTICUS HOLDINGS CORP - ATLC 6 1/8 11/30/26 (ATLCL) is expected to grow by 25.39% in the next year.
Is the dividend of ATLANTICUS HOLDINGS CORP - ATLC 6 1/8 11/30/26 sustainable?
The dividend rating of ATLANTICUS HOLDINGS CORP - ATLC 6 1/8 11/30/26 (ATLCL) is 7 / 10 and the dividend payout ratio is 15.33%.