ATLANTICUS HOLDINGS CORP - ATLC 6 1/8 11/30/26 (ATLCL) Fundamental Analysis & Valuation

NASDAQ:ATLCL • US04914Y3009

Current stock price

25 USD
+0.01 (+0.04%)
Last:

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

4

1. ATLCL Profitability Analysis

1.1 Basic Checks

  • ATLCL had positive earnings in the past year.
  • ATLCL had a positive operating cash flow in the past year.
  • Each year in the past 5 years ATLCL has been profitable.
  • In the past 5 years ATLCL always reported a positive cash flow from operatings.
ATLCL Yearly Net Income VS EBIT VS OCF VS FCFATLCL 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 2025 0 200M 400M 600M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.47%, ATLCL is in line with its industry, outperforming 40.74% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 17.23%, ATLCL is in the better half of the industry, outperforming 62.96% of the companies in the same industry.
  • ATLCL has a Return On Invested Capital (1.73%) which is in line with its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for ATLCL is significantly below the industry average of 12.01%.
Industry RankSector Rank
ROA 1.47%
ROE 17.23%
ROIC 1.73%
ROA(3y)2.34%
ROA(5y)3.93%
ROE(3y)15.58%
ROE(5y)21.36%
ROIC(3y)3.05%
ROIC(5y)4.94%
ATLCL Yearly ROA, ROE, ROICATLCL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50 -50 100 -100

1.3 Margins

  • ATLCL has a Profit Margin (12.92%) which is in line with its industry peers.
  • In the last couple of years the Profit Margin of ATLCL has declined.
  • The Operating Margin of ATLCL (18.46%) is better than 66.67% of its industry peers.
  • ATLCL's Operating Margin has declined in the last couple of years.
  • The Gross Margin of ATLCL (46.52%) is comparable to the rest of the industry.
  • In the last couple of years the Gross Margin of ATLCL has declined.
Industry RankSector Rank
OM 18.46%
PM (TTM) 12.92%
GM 46.52%
OM growth 3Y-16.57%
OM growth 5Y-6.14%
PM growth 3Y-18.1%
PM growth 5Y-5.43%
GM growth 3Y-9.27%
GM growth 5Y-9.02%
ATLCL Yearly Profit, Operating, Gross MarginsATLCL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 40 60

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. ATLCL Health Analysis

2.1 Basic Checks

  • ATLCL has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • Compared to 1 year ago, ATLCL has about the same amount of shares outstanding.
  • The number of shares outstanding for ATLCL has been reduced compared to 5 years ago.
  • Compared to 1 year ago, ATLCL has a worse debt to assets ratio.
ATLCL Yearly Shares OutstandingATLCL Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M
ATLCL Yearly Total Debt VS Total AssetsATLCL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

2.2 Solvency

  • ATLCL has an Altman-Z score of 0.34. This is a bad value and indicates that ATLCL is not financially healthy and even has some risk of bankruptcy.
  • With a Altman-Z score value of 0.34, ATLCL perfoms like the industry average, outperforming 46.30% of the companies in the same industry.
  • The Debt to FCF ratio of ATLCL is 10.30, which is on the high side as it means it would take ATLCL, 10.30 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 10.30, ATLCL is in line with its industry, outperforming 59.26% of the companies in the same industry.
  • A Debt/Equity ratio of 10.05 is on the high side and indicates that ATLCL has dependencies on debt financing.
  • ATLCL has a Debt to Equity ratio of 10.05. This is amonst the worse of the industry: ATLCL underperforms 81.48% of its industry peers.
Industry RankSector Rank
Debt/Equity 10.05
Debt/FCF 10.3
Altman-Z 0.34
ROIC/WACC0.31
WACC5.49%
ATLCL Yearly LT Debt VS Equity VS FCFATLCL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B 4B 6B

2.3 Liquidity

  • ATLCL has a Current Ratio of 1.49. This is a normal value and indicates that ATLCL is financially healthy and should not expect problems in meeting its short term obligations.
  • ATLCL has a Current ratio (1.49) which is comparable to the rest of the industry.
  • ATLCL has a Quick Ratio of 1.49. This is a normal value and indicates that ATLCL is financially healthy and should not expect problems in meeting its short term obligations.
  • Looking at the Quick ratio, with a value of 1.49, ATLCL is in line with its industry, outperforming 59.26% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.49
Quick Ratio 1.49
ATLCL Yearly Current Assets VS Current LiabilitesATLCL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M

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

9

3. ATLCL Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 24.95% over the past year.
  • ATLCL shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.77% yearly.
  • The Revenue has grown by 49.72% in the past year. This is a very strong growth!
  • Measured over the past years, ATLCL shows a quite strong growth in Revenue. The Revenue has been growing by 13.90% on average per year.
EPS 1Y (TTM)24.95%
EPS 3Y0.85%
EPS 5Y8.77%
EPS Q2Q%23.24%
Revenue 1Y (TTM)49.72%
Revenue growth 3Y22.58%
Revenue growth 5Y13.9%
Sales Q2Q%107.75%

3.2 Future

  • Based on estimates for the next years, ATLCL will show a very strong growth in Earnings Per Share. The EPS will grow by 38.70% on average per year.
  • 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.
  • 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.
ATLCL Yearly Revenue VS EstimatesATLCL 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
ATLCL Yearly EPS VS EstimatesATLCL 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. ATLCL Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 4.19, the valuation of ATLCL can be described as very cheap.
  • 79.63% of the companies in the same industry are more expensive than ATLCL, based on the Price/Earnings ratio.
  • ATLCL's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.51.
  • The Price/Forward Earnings ratio is 2.81, which indicates a rather cheap valuation of ATLCL.
  • ATLCL's Price/Forward Earnings ratio is rather cheap when compared to the industry. ATLCL is cheaper than 94.44% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 22.76. ATLCL is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 4.19
Fwd PE 2.81
ATLCL Price Earnings VS Forward Price EarningsATLCL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of ATLCL is on the same level as its industry peers.
  • 96.30% of the companies in the same industry are more expensive than ATLCL, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 0.59
EV/EBITDA 36.96
ATLCL Per share dataATLCL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

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.
  • A more expensive valuation may be justified as ATLCL's earnings are expected to grow with 38.70% in the coming years.
PEG (NY)0.08
PEG (5Y)0.48
EPS Next 2Y38.7%
EPS Next 3YN/A

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

5

5. ATLCL Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 6.13%, ATLCL is a good candidate for dividend investing.
  • ATLCL's Dividend Yield is a higher than the industry average which is at 3.15.
  • Compared to an average S&P500 Dividend Yield of 1.89, ATLCL pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.13%

5.2 History

  • The dividend of ATLCL decreases each year by -0.39%.
  • ATLCL has been paying a dividend for over 5 years, so it has already some track record.
  • ATLCL has decreased its dividend in the last 3 years.
Dividend Growth(5Y)-0.39%
Div Incr Years0
Div Non Decr Years2
ATLCL Yearly Dividends per shareATLCL Yearly Dividends per shareYearly Dividends per share 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • 11.12% of the earnings are spent on dividend by ATLCL. This is a low number and sustainable payout ratio.
DP11.12%
EPS Next 2Y38.7%
EPS Next 3YN/A
ATLCL Yearly Income VS Free CF VS DividendATLCL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M 400M 600M
ATLCL Dividend Payout.ATLCL Dividend Payout, showing the Payout Ratio.ATLCL Dividend Payout.PayoutRetained Earnings

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ATLCL Fundamentals: All Metrics, Ratios and Statistics

ATLANTICUS HOLDINGS CORP - ATLC 6 1/8 11/30/26

NASDAQ:ATLCL (4/1/2026, 8:09:50 PM)

25

+0.01 (+0.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)03-12
Earnings (Next)05-06
Inst Owners24.86%
Inst Owner ChangeN/A
Ins Owners37.71%
Ins Owner ChangeN/A
Market Cap373.00M
Revenue(TTM)865.34M
Net Income(TTM)111.80M
Analysts87.27
Price Target44.42 (77.68%)
Short Float %0.01%
Short Ratio0.03
Dividend
Industry RankSector Rank
Dividend Yield 6.13%
Yearly Dividend0.83
Dividend Growth(5Y)-0.39%
DP11.12%
Div Incr Years0
Div Non Decr Years2
Ex-Date01-15
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-7.06%
Min EPS beat(2)-22.02%
Max EPS beat(2)7.9%
EPS beat(4)2
Avg EPS beat(4)1.24%
Min EPS beat(4)-22.02%
Max EPS beat(4)20.63%
EPS beat(8)6
Avg EPS beat(8)3.45%
EPS beat(12)9
Avg EPS beat(12)7.03%
EPS beat(16)10
Avg EPS beat(16)2.47%
Revenue beat(2)2
Avg Revenue beat(2)2.15%
Min Revenue beat(2)0.22%
Max Revenue beat(2)4.07%
Revenue beat(4)3
Avg Revenue beat(4)2.46%
Min Revenue beat(4)-2.55%
Max Revenue beat(4)8.09%
Revenue beat(8)4
Avg Revenue beat(8)0.5%
Revenue beat(12)5
Avg Revenue beat(12)-0.25%
Revenue beat(16)5
Avg Revenue beat(16)-13.91%
PT rev (1m)0%
PT rev (3m)41.43%
EPS NQ rev (1m)-7.11%
EPS NQ rev (3m)-8.15%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.25%
Revenue NQ rev (1m)-0.22%
Revenue NQ rev (3m)-0.6%
Revenue NY rev (1m)-1.48%
Revenue NY rev (3m)-1.61%
Valuation
Industry RankSector Rank
PE 4.19
Fwd PE 2.81
P/S 0.43
P/FCF 0.59
P/OCF 0.58
P/B 0.57
P/tB 0.6
EV/EBITDA 36.96
EPS(TTM)5.96
EY23.84%
EPS(NY)8.91
Fwd EY35.63%
FCF(TTM)42.42
FCFY169.69%
OCF(TTM)42.76
OCFY171.04%
SpS58
BVpS43.48
TBVpS41.45
PEG (NY)0.08
PEG (5Y)0.48
Graham Number76.36
Profitability
Industry RankSector Rank
ROA 1.47%
ROE 17.23%
ROCE 2.23%
ROIC 1.73%
ROICexc 1.89%
ROICexgc 1.9%
OM 18.46%
PM (TTM) 12.92%
GM 46.52%
FCFM 73.14%
ROA(3y)2.34%
ROA(5y)3.93%
ROE(3y)15.58%
ROE(5y)21.36%
ROIC(3y)3.05%
ROIC(5y)4.94%
ROICexc(3y)3.47%
ROICexc(5y)6%
ROICexgc(3y)3.48%
ROICexgc(5y)6%
ROCE(3y)3.94%
ROCE(5y)6.38%
ROICexgc growth 3Y-32.43%
ROICexgc growth 5Y-27.29%
ROICexc growth 3Y-32.53%
ROICexc growth 5Y-27.36%
OM growth 3Y-16.57%
OM growth 5Y-6.14%
PM growth 3Y-18.1%
PM growth 5Y-5.43%
GM growth 3Y-9.27%
GM growth 5Y-9.02%
F-Score4
Asset Turnover0.11
Health
Industry RankSector Rank
Debt/Equity 10.05
Debt/FCF 10.3
Debt/EBITDA 38.43
Cap/Depr 50.77%
Cap/Sales 0.58%
Interest Coverage 0.6
Cash Conversion 376.14%
Profit Quality 566.16%
Current Ratio 1.49
Quick Ratio 1.49
Altman-Z 0.34
F-Score4
WACC5.49%
ROIC/WACC0.31
Cap/Depr(3y)61.33%
Cap/Depr(5y)114.02%
Cap/Sales(3y)0.58%
Cap/Sales(5y)0.83%
Profit Quality(3y)562.6%
Profit Quality(5y)425.72%
High Growth Momentum
Growth
EPS 1Y (TTM)24.95%
EPS 3Y0.85%
EPS 5Y8.77%
EPS Q2Q%23.24%
EPS Next Y49.46%
EPS Next 2Y38.7%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)49.72%
Revenue growth 3Y22.58%
Revenue growth 5Y13.9%
Sales Q2Q%107.75%
Revenue Next Year58.56%
Revenue Next 2Y30.65%
Revenue Next 3Y28.81%
Revenue Next 5YN/A
EBIT growth 1Y15.25%
EBIT growth 3Y2.27%
EBIT growth 5Y6.9%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y35.35%
FCF growth 3Y22.87%
FCF growth 5Y24.45%
OCF growth 1Y35.91%
OCF growth 3Y22.61%
OCF growth 5Y24.57%

ATLANTICUS HOLDINGS CORP - ATLC 6 1/8 11/30/26 / ATLCL Fundamental Analysis 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 5 / 10 to ATLCL.


What is the valuation status for ATLCL stock?

ChartMill assigns a valuation rating of 8 / 10 to ATLANTICUS HOLDINGS CORP - ATLC 6 1/8 11/30/26 (ATLCL). This can be considered as Undervalued.


What is the profitability of ATLCL stock?

ATLANTICUS HOLDINGS CORP - ATLC 6 1/8 11/30/26 (ATLCL) has a profitability rating of 4 / 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 49.46% in the next year.


How sustainable is the dividend of ATLANTICUS HOLDINGS CORP - ATLC 6 1/8 11/30/26 (ATLCL) stock?

The dividend rating of ATLANTICUS HOLDINGS CORP - ATLC 6 1/8 11/30/26 (ATLCL) is 5 / 10 and the dividend payout ratio is 11.12%.