ATLANTICUS HOLDINGS CORP - ATLC 6 1/8 11/30/26 (ATLCL) Stock Fundamental Analysis
USA - NASDAQ:ATLCL - US04914Y3009
24.72 USD
-0.06 (-0.24%)
Taking everything into account, ATLCL scores 6 out of 10 in our fundamental rating. ATLCL was compared to 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! Finally ATLCL also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year ATLCL was profitable.
ATLCL had a positive operating cash flow in the past year.
ATLCL had positive earnings in each of the past 5 years.
ATLCL had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
ATLCL has a Return On Assets of 2.90%. This is in the better half of the industry: ATLCL outperforms 63.64% of its industry peers.
With a decent Return On Equity value of 17.54%, ATLCL is doing good in the industry, outperforming 69.09% of the companies in the same industry.
ATLCL has a Return On Invested Capital (3.72%) which is in line with its industry peers.
ATLCL had an Average Return On Invested Capital over the past 3 years of 4.28%. This is significantly below the industry average of 11.72%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.9% | ||
| ROE | 17.54% | ||
| ROIC | 3.72% |
ROA(3y)3.39%
ROA(5y)4.91%
ROE(3y)17.73%
ROE(5y)25.03%
ROIC(3y)4.28%
ROIC(5y)6.32%
1.3 Margins
ATLCL has a better Profit Margin (16.01%) than 69.09% of its industry peers.
ATLCL's Profit Margin has improved in the last couple of years.
The Operating Margin of ATLCL (23.93%) is better than 78.18% of its industry peers.
ATLCL's Operating Margin has improved in the last couple of years.
ATLCL has a Gross Margin (51.81%) which is in line with its industry peers.
In the last couple of years the Gross Margin of ATLCL has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 23.93% | ||
| PM (TTM) | 16.01% | ||
| GM | 51.81% |
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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), ATLCL is destroying value.
The number of shares outstanding for ATLCL has been increased compared to 1 year ago.
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.
2.2 Solvency
Based on the Altman-Z score of 0.61, we must say that ATLCL is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.61, ATLCL is in line with its industry, outperforming 49.09% of the companies in the same industry.
The Debt to FCF ratio of ATLCL is 5.63, which is a neutral value as it means it would take ATLCL, 5.63 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 5.63, ATLCL is doing good in the industry, outperforming 70.91% of the companies in the same industry.
A Debt/Equity ratio of 4.60 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 4.60, ATLCL is doing worse than 69.09% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.6 | ||
| Debt/FCF | 5.63 | ||
| Altman-Z | 0.61 |
ROIC/WACC0.56
WACC6.66%
2.3 Liquidity
A Current Ratio of 1.39 indicates that ATLCL should not have too much problems paying its short term obligations.
Looking at the Current ratio, with a value of 1.39, ATLCL is in line with its industry, outperforming 60.00% of the companies in the same industry.
A Quick Ratio of 1.39 indicates that ATLCL should not have too much problems paying its short term obligations.
ATLCL has a Quick ratio of 1.39. This is comparable to the rest of the industry: ATLCL outperforms 60.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.39 | ||
| Quick Ratio | 1.39 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 36.45% over the past year.
ATLCL shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 22.82% yearly.
The Revenue has grown by 31.28% 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 10.83% on average per year.
EPS 1Y (TTM)36.45%
EPS 3Y-14.56%
EPS 5Y22.82%
EPS Q2Q%52.53%
Revenue 1Y (TTM)31.28%
Revenue growth 3Y2.98%
Revenue growth 5Y10.83%
Sales Q2Q%24.73%
3.2 Future
ATLCL is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 38.87% yearly.
The Revenue is expected to grow by 35.28% on average over the next years. This is a very strong growth
EPS Next Y30.57%
EPS Next 2Y32.31%
EPS Next 3Y38.87%
EPS Next 5YN/A
Revenue Next Year39.58%
Revenue Next 2Y37.57%
Revenue Next 3Y35.28%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 4.34 indicates a rather cheap valuation of ATLCL.
Based on the Price/Earnings ratio, ATLCL is valued cheaper than 85.45% of the companies in the same industry.
ATLCL is valuated cheaply when we compare the Price/Earnings ratio to 26.13, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 2.96, 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 94.55% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.35. ATLCL is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.34 | ||
| Fwd PE | 2.96 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as ATLCL.
Based on the Price/Free Cash Flow ratio, ATLCL is valued cheaply inside the industry as 94.55% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.76 | ||
| EV/EBITDA | 17.18 |
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 38.87% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.14
PEG (5Y)0.19
EPS Next 2Y32.31%
EPS Next 3Y38.87%
5. Dividend
5.1 Amount
ATLCL has a Yearly Dividend Yield of 6.21%, which is a nice return.
Compared to an average industry Dividend Yield of 4.78, ATLCL pays a better dividend. On top of this ATLCL pays more dividend than 85.45% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.39, ATLCL pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.21% |
5.2 History
On average, the dividend of ATLCL grows each year by 29.87%, which is quite nice.
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
19.91% of the earnings are spent on dividend by ATLCL. This is a low number and sustainable payout ratio.
ATLCL's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP19.91%
EPS Next 2Y32.31%
EPS Next 3Y38.87%
ATLANTICUS HOLDINGS CORP - ATLC 6 1/8 11/30/26
NASDAQ:ATLCL (11/5/2025, 8:00:00 PM)
24.72
-0.06 (-0.24%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners21.89%
Inst Owner ChangeN/A
Ins Owners37.6%
Ins Owner ChangeN/A
Market Cap374.01M
Revenue(TTM)660.87M
Net Income(TTM)105.81M
Analysts85
Price Target36.36 (47.09%)
Short Float %0.32%
Short Ratio0.96
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.21% |
Yearly Dividend1.74
Dividend Growth(5Y)29.87%
DP19.91%
Div Incr Years0
Div Non Decr Years2
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)9.54%
Min EPS beat(2)-1.55%
Max EPS beat(2)20.63%
EPS beat(4)3
Avg EPS beat(4)7.37%
Min EPS beat(4)-1.55%
Max EPS beat(4)20.63%
EPS beat(8)6
Avg EPS beat(8)6.18%
EPS beat(12)9
Avg EPS beat(12)5.62%
EPS beat(16)10
Avg EPS beat(16)7.59%
Revenue beat(2)1
Avg Revenue beat(2)2.77%
Min Revenue beat(2)-2.55%
Max Revenue beat(2)8.09%
Revenue beat(4)2
Avg Revenue beat(4)2.14%
Min Revenue beat(4)-2.55%
Max Revenue beat(4)8.09%
Revenue beat(8)2
Avg Revenue beat(8)-0.66%
Revenue beat(12)3
Avg Revenue beat(12)-11%
Revenue beat(16)3
Avg Revenue beat(16)-17.82%
PT rev (1m)34.32%
PT rev (3m)15.89%
EPS NQ rev (1m)0.56%
EPS NQ rev (3m)13.67%
EPS NY rev (1m)0.13%
EPS NY rev (3m)4.07%
Revenue NQ rev (1m)12.59%
Revenue NQ rev (3m)28.75%
Revenue NY rev (1m)9.43%
Revenue NY rev (3m)24.85%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.34 | ||
| Fwd PE | 2.96 | ||
| P/S | 0.57 | ||
| P/FCF | 0.76 | ||
| P/OCF | 0.75 | ||
| P/B | 0.62 | ||
| P/tB | 0.62 | ||
| EV/EBITDA | 17.18 |
EPS(TTM)5.69
EY23.02%
EPS(NY)8.35
Fwd EY33.78%
FCF(TTM)32.57
FCFY131.75%
OCF(TTM)33
OCFY133.48%
SpS43.68
BVpS39.88
TBVpS39.88
PEG (NY)0.14
PEG (5Y)0.19
Graham Number71.45
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.9% | ||
| ROE | 17.54% | ||
| ROCE | 4.69% | ||
| ROIC | 3.72% | ||
| ROICexc | 4.12% | ||
| ROICexgc | 4.12% | ||
| OM | 23.93% | ||
| PM (TTM) | 16.01% | ||
| GM | 51.81% | ||
| FCFM | 74.56% |
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-Score6
Asset Turnover0.18
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.6 | ||
| Debt/FCF | 5.63 | ||
| Debt/EBITDA | 16.9 | ||
| Cap/Depr | 108.54% | ||
| Cap/Sales | 0.98% | ||
| Interest Coverage | 0.93 | ||
| Cash Conversion | 304.15% | ||
| Profit Quality | 465.67% | ||
| Current Ratio | 1.39 | ||
| Quick Ratio | 1.39 | ||
| Altman-Z | 0.61 |
F-Score6
WACC6.66%
ROIC/WACC0.56
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)36.45%
EPS 3Y-14.56%
EPS 5Y22.82%
EPS Q2Q%52.53%
EPS Next Y30.57%
EPS Next 2Y32.31%
EPS Next 3Y38.87%
EPS Next 5YN/A
Revenue 1Y (TTM)31.28%
Revenue growth 3Y2.98%
Revenue growth 5Y10.83%
Sales Q2Q%24.73%
Revenue Next Year39.58%
Revenue Next 2Y37.57%
Revenue Next 3Y35.28%
Revenue Next 5YN/A
EBIT growth 1Y27.63%
EBIT growth 3Y-17.74%
EBIT growth 5Y34.23%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y24.68%
FCF growth 3Y31.57%
FCF growth 5Y36.22%
OCF growth 1Y23.79%
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 30.57% 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 19.91%.