24.91 USD
-0.01 (-0.04%)
Last: Jan 30, 2026, 08:00 PM
ATLCL gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 53 industry peers in the Consumer Finance industry. While ATLCL is still in line with the averages on profitability rating, there are concerns on its financial health. ATLCL is growing strongly while it also seems undervalued. This is an interesting combination 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.
- 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.
1.2 Ratios
- ATLCL has a Return On Assets (1.49%) which is in line with its industry peers.
- With a decent Return On Equity value of 16.73%, ATLCL is doing good in the industry, outperforming 64.15% of the companies in the same industry.
- The Return On Invested Capital of ATLCL (1.83%) is comparable to the rest of the industry.
- Measured over the past 3 years, the Average Return On Invested Capital for ATLCL is significantly below the industry average of 12.42%.
| 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 60.38% of its industry peers.
- In the last couple of years the Profit Margin of ATLCL has grown nicely.
- ATLCL has a Operating Margin of 20.97%. This is in the better half of the industry: ATLCL outperforms 69.81% of its industry peers.
- In the last couple of years the Operating Margin of ATLCL has grown nicely.
- ATLCL has a Gross Margin (50.44%) which is comparable to the rest of the 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
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), ATLCL is destroying value.
- Compared to 1 year ago, ATLCL has more shares outstanding
- Compared to 5 years ago, ATLCL has less shares outstanding
- The debt/assets ratio for ATLCL is higher compared to a year ago.
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 45.28% 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.
- The Debt to FCF ratio of ATLCL (12.37) is comparable to the rest of the industry.
- ATLCL has a Debt/Equity ratio of 9.59. This is a high value indicating a heavy dependency on external financing.
- The Debt to Equity ratio of ATLCL (9.59) is worse than 81.13% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 9.59 | ||
| Debt/FCF | 12.37 | ||
| Altman-Z | 0.31 |
ROIC/WACC0.27
WACC6.69%
2.3 Liquidity
- A Current Ratio of 1.15 indicates that ATLCL should not have too much problems paying its short term obligations.
- ATLCL has a Current ratio (1.15) which is in line with its industry peers.
- 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.
- ATLCL's Quick ratio of 1.15 is in line compared to the rest of the industry. ATLCL outperforms 52.83% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.15 | ||
| Quick Ratio | 1.15 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 27.66% over the past year.
- 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!
- 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)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 33.96% yearly.
- Based on estimates for the next years, ATLCL will show a very strong growth in Revenue. The Revenue will grow by 36.35% on average per year.
EPS Next Y25.5%
EPS Next 2Y36.83%
EPS Next 3Y33.96%
EPS Next 5YN/A
Revenue Next Year50.56%
Revenue Next 2Y55.6%
Revenue Next 3Y36.35%
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
- The Price/Earnings ratio is 4.42, which indicates a rather cheap valuation of ATLCL.
- 83.02% of the companies in the same industry are more expensive than ATLCL, based on the Price/Earnings ratio.
- The average S&P500 Price/Earnings ratio is at 28.30. ATLCL is valued rather cheaply when compared to this.
- ATLCL is valuated cheaply with a Price/Forward Earnings ratio of 2.79.
- Based on the Price/Forward Earnings ratio, ATLCL is valued cheaply inside the industry as 96.23% of the companies are valued more expensively.
- Compared to an average S&P500 Price/Forward Earnings ratio of 25.57, ATLCL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.42 | ||
| Fwd PE | 2.79 |
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.
- 94.34% of the companies in the same industry are more expensive than ATLCL, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.77 | ||
| EV/EBITDA | 37.3 |
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.
- ATLCL has a very decent profitability rating, which may justify a higher PE ratio.
- A more expensive valuation may be justified as ATLCL's earnings are expected to grow with 33.96% in the coming years.
PEG (NY)0.17
PEG (5Y)0.19
EPS Next 2Y36.83%
EPS Next 3Y33.96%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 6.15%, ATLCL is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 2.69, ATLCL pays a bit more dividend than its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.82, ATLCL pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.15% |
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 over 5 years, so it has already some track record.
- ATLCL has decreased its dividend in the last 3 years.
Dividend Growth(5Y)29.87%
Div Incr Years0
Div Non Decr Years2
5.3 Sustainability
- 15.33% of the earnings are spent on dividend by ATLCL. This is a low number and 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 2Y36.83%
EPS Next 3Y33.96%
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.
What is the valuation status for ATLCL stock?
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.
How financially healthy is ATLANTICUS HOLDINGS CORP - ATLC 6 1/8 11/30/26?
The financial health rating of ATLANTICUS HOLDINGS CORP - ATLC 6 1/8 11/30/26 (ATLCL) is 3 / 10.
What is the earnings growth outlook for ATLANTICUS HOLDINGS CORP - ATLC 6 1/8 11/30/26?
The Earnings per Share (EPS) of ATLANTICUS HOLDINGS CORP - ATLC 6 1/8 11/30/26 (ATLCL) is expected to grow by 25.5% in the next year.