ATLANTICUS HOLDINGS CORP - ATLC 6 1/8 11/30/26 (ATLCL)
US04914Y3009
We assign a fundamental rating of 6 out of 10 to ATLCL. ATLCL was compared to 51 industry peers in the Consumer Finance industry. While ATLCL has a great profitability rating, there are some minor concerns on its financial health. A decent growth rate in combination with a cheap valuation! Better keep an eye on ATLCL. This makes ATLCL very considerable for value investing!
1. Profitability
1.1 Basic Checks
In the past year ATLCL was profitable.
In the past year ATLCL had a positive cash flow from operations.
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
With a decent Return On Assets value of 2.87%, ATLCL is doing good in the industry, outperforming 72.55% of the companies in the same industry.
ATLCL has a Return On Equity of 14.52%. This is in the better half of the industry: ATLCL outperforms 68.63% of its industry peers.
ATLCL's Return On Invested Capital of 4.29% is fine compared to the rest of the industry. ATLCL outperforms 74.51% of its industry peers.
The Average Return On Invested Capital over the past 3 years for ATLCL is in line with the industry average of 6.30%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.87% | ||
| ROE | 14.52% | ||
| ROIC | 4.29% |
ROA(3y)5.17%
ROA(5y)4.92%
ROE(3y)24.86%
ROE(5y)27.66%
ROIC(3y)7.1%
ROIC(5y)6.6%
1.3 Margins
ATLCL's Profit Margin of 16.65% is fine compared to the rest of the industry. ATLCL outperforms 76.47% of its industry peers.
ATLCL's Profit Margin has improved in the last couple of years.
ATLCL's Operating Margin of 27.58% is amongst the best of the industry. ATLCL outperforms 80.39% of its industry peers.
In the last couple of years the Operating Margin of ATLCL has grown nicely.
The Gross Margin of ATLCL (54.98%) is comparable to the rest of the industry.
ATLCL's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 27.58% | ||
| PM (TTM) | 16.65% | ||
| GM | 54.98% |
OM growth 3Y2.85%
OM growth 5Y78.61%
PM growth 3Y-0.84%
PM growth 5Y32.15%
GM growth 3Y-9.68%
GM growth 5Y-2.47%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), ATLCL is creating some value.
Compared to 1 year ago, ATLCL has more shares outstanding
ATLCL has less shares outstanding than it did 5 years ago.
ATLCL has a better debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 0.67, we must say that ATLCL is in the distress zone and has some risk of bankruptcy.
With a Altman-Z score value of 0.67, ATLCL perfoms like the industry average, outperforming 50.98% of the companies in the same industry.
The Debt to FCF ratio of ATLCL is 4.41, which is a neutral value as it means it would take ATLCL, 4.41 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 4.41, ATLCL is in the better half of the industry, outperforming 70.59% of the companies in the same industry.
A Debt/Equity ratio of 3.75 is on the high side and indicates that ATLCL has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 3.75, ATLCL is doing worse than 62.75% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.75 | ||
| Debt/FCF | 4.41 | ||
| Altman-Z | 0.67 |
ROIC/WACC0.7
WACC6.15%
2.3 Liquidity
A Current Ratio of 2.19 indicates that ATLCL has no problem at all paying its short term obligations.
With a decent Current ratio value of 2.19, ATLCL is doing good in the industry, outperforming 72.55% of the companies in the same industry.
ATLCL has a Quick Ratio of 2.19. This indicates that ATLCL is financially healthy and has no problem in meeting its short term obligations.
ATLCL has a Quick ratio of 2.19. This is in the better half of the industry: ATLCL outperforms 72.55% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.19 | ||
| Quick Ratio | 2.19 |
3. Growth
3.1 Past
The earnings per share for ATLCL have decreased strongly by -27.88% in the last year.
Measured over the past years, ATLCL shows a very strong growth in Earnings Per Share. The EPS has been growing by 48.98% on average per year.
Looking at the last year, ATLCL shows a decrease in Revenue. The Revenue has decreased by -0.76% in the last year.
Measured over the past years, ATLCL shows a quite strong growth in Revenue. The Revenue has been growing by 19.52% on average per year.
EPS 1Y (TTM)-27.88%
EPS 3Y2.38%
EPS 5Y48.98%
EPS growth Q2Q8.16%
Revenue 1Y (TTM)-0.76%
Revenue growth 3Y1.08%
Revenue growth 5Y19.52%
Revenue growth Q2Q16.95%
3.2 Future
ATLCL is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 22.88% yearly.
The Revenue is expected to grow by 13.76% on average over the next years. This is quite good.
EPS Next Y17.46%
EPS Next 2Y22.88%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year14.37%
Revenue Next 2Y13.76%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 5.30, which indicates a rather cheap valuation of ATLCL.
Compared to the rest of the industry, the Price/Earnings ratio of ATLCL indicates a rather cheap valuation: ATLCL is cheaper than 80.39% of the companies listed in the same industry.
ATLCL is valuated cheaply when we compare the Price/Earnings ratio to 25.20, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 4.51, which indicates a rather cheap valuation of ATLCL.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ATLCL indicates a rather cheap valuation: ATLCL is cheaper than 94.12% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 21.63. ATLCL is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.3 | ||
| Fwd PE | 4.51 |
4.2 Price Multiples
ATLCL's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. ATLCL is cheaper than 76.47% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, ATLCL is valued cheaper than 98.04% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.71 | ||
| EV/EBITDA | 15.01 |
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.
ATLCL has a very decent profitability rating, which may justify a higher PE ratio.
ATLCL's earnings are expected to grow with 22.88% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.3
PEG (5Y)0.11
EPS Next 2Y22.88%
EPS Next 3YN/A
5. Dividend
5.1 Amount
ATLCL has a Yearly Dividend Yield of 6.85%, which is a nice return.
ATLCL's Dividend Yield is rather good when compared to the industry average which is at 4.29. ATLCL pays more dividend than 90.20% of the companies in the same industry.
ATLCL's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.85% |
5.2 History
ATLCL has paid a dividend for less than 5 years, so there is no long track record yet.
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
32.07% of the earnings are spent on dividend by ATLCL. This is a low number and sustainable payout ratio.
DP32.07%
EPS Next 2Y22.88%
EPS Next 3YN/A
ATLANTICUS HOLDINGS CORP - ATLC 6 1/8 11/30/26
NASDAQ:ATLCL (4/25/2024, 7:00:01 PM)
22.21
-0.02 (-0.11%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap324.49M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.85% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
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PT rev (1m)
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EPS NQ rev (3m)
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EPS NY rev (3m)
Revenue NQ rev (1m)
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Revenue NY rev (1m)
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Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.3 | ||
| Fwd PE | 4.51 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.3
PEG (5Y)0.11
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.87% | ||
| ROE | 14.52% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 27.58% | ||
| PM (TTM) | 16.65% | ||
| GM | 54.98% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.17
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.75 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 2.19 | ||
| Quick Ratio | 2.19 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-27.88%
EPS 3Y2.38%
EPS 5Y
EPS growth Q2Q
EPS Next Y17.46%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-0.76%
Revenue growth 3Y1.08%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y