ATLANTICUS HOLDINGS CORP - ATLC 6 1/8 11/30/26 (ATLCL) Stock Fundamental Analysis
USA - NASDAQ:ATLCL - US04914Y3009
24.991 USD
-0.11 (-0.43%)
Taking everything into account, ATLCL scores 7 out of 10 in our fundamental rating. ATLCL was compared to 54 industry peers in the Consumer Finance industry. ATLCL has an average financial health and profitability rating. An interesting combination arises when we look at growth and value: ATLCL is growing strongly while it also seems undervalued. ATLCL also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
ATLCL had positive earnings in the past year.
In the past year ATLCL had a positive cash flow from operations.
In the past 5 years ATLCL has always been profitable.
Each year in the past 5 years ATLCL had a positive operating cash flow.
1.2 Ratios
The Return On Assets of ATLCL (2.90%) is better than 62.96% of its industry peers.
ATLCL's Return On Equity of 17.54% is fine compared to the rest of the industry. ATLCL outperforms 70.37% of its industry peers.
With a Return On Invested Capital value of 3.72%, ATLCL perfoms like the industry average, outperforming 57.41% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for ATLCL is significantly below the industry average of 11.02%.
| 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
The Profit Margin of ATLCL (16.01%) is better than 68.52% of its industry peers.
In the last couple of years the Profit Margin of ATLCL has grown nicely.
The Operating Margin of ATLCL (23.93%) is better than 77.78% of its industry peers.
ATLCL's Operating Margin has improved in the last couple of years.
ATLCL's Gross Margin of 51.81% is in line compared to the rest of the industry. ATLCL outperforms 53.70% of its industry peers.
ATLCL's Gross Margin has declined in the last couple of years.
| 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
ATLCL has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for ATLCL has been increased compared to 1 year ago.
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 0.61, we must say that ATLCL is in the distress zone and has some risk of bankruptcy.
ATLCL has a Altman-Z score (0.61) which is in line with its industry peers.
ATLCL has a debt to FCF ratio of 5.63. This is a neutral value as ATLCL would need 5.63 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 5.63, ATLCL is in the better half of the industry, outperforming 68.52% 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.
ATLCL's Debt to Equity ratio of 4.60 is on the low side compared to the rest of the industry. ATLCL is outperformed by 70.37% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.6 | ||
| Debt/FCF | 5.63 | ||
| Altman-Z | 0.61 |
ROIC/WACC0.56
WACC6.67%
2.3 Liquidity
ATLCL has a Current Ratio of 1.39. 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 Current ratio, with a value of 1.39, ATLCL is in the better half of the industry, outperforming 61.11% 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.
With a decent Quick ratio value of 1.39, ATLCL is doing good in the industry, outperforming 61.11% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.39 | ||
| Quick Ratio | 1.39 |
3. Growth
3.1 Past
ATLCL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 36.45%, 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
ATLCL shows a strong growth in Revenue. In the last year, the Revenue has grown by 31.28%.
The Revenue has been growing by 10.83% on average over the past years. This is quite good.
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
The Earnings Per Share is expected to grow by 37.21% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 20.16% on average over the next years. This is a very strong growth
EPS Next Y29.8%
EPS Next 2Y28.97%
EPS Next 3Y37.21%
EPS Next 5YN/A
Revenue Next Year17.55%
Revenue Next 2Y15.07%
Revenue Next 3Y20.16%
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 4.39, the valuation of ATLCL can be described as very cheap.
90.74% 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 27.41. ATLCL is valued rather cheaply when compared to this.
ATLCL is valuated cheaply with a Price/Forward Earnings ratio of 3.15.
Based on the Price/Forward Earnings ratio, ATLCL is valued cheaper than 96.30% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.88. ATLCL is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.39 | ||
| Fwd PE | 3.15 |
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.
ATLCL's Price/Free Cash Flow ratio is rather cheap when compared to the industry. ATLCL is cheaper than 96.30% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.77 | ||
| EV/EBITDA | 17.21 |
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.
The decent profitability rating of ATLCL may justify a higher PE ratio.
ATLCL's earnings are expected to grow with 37.21% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.15
PEG (5Y)0.19
EPS Next 2Y28.97%
EPS Next 3Y37.21%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.14%, ATLCL is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.46, ATLCL pays a better dividend. On top of this ATLCL pays more dividend than 87.04% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.38, ATLCL pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.14% |
5.2 History
On average, the dividend of ATLCL grows each year by 29.87%, which is quite nice.
ATLCL has paid a dividend for less than 5 years, so there is no long track record yet.
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 2Y28.97%
EPS Next 3Y37.21%
ATLANTICUS HOLDINGS CORP - ATLC 6 1/8 11/30/26
NASDAQ:ATLCL (9/19/2025, 3:13:48 PM)
24.991
-0.11 (-0.43%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners20.19%
Inst Owner ChangeN/A
Ins Owners37.61%
Ins Owner ChangeN/A
Market Cap378.11M
Analysts85
Price Target27.07 (8.32%)
Short Float %0.04%
Short Ratio0.13
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.14% |
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)-22.86%
PT rev (3m)-19.4%
EPS NQ rev (1m)1.15%
EPS NQ rev (3m)10.26%
EPS NY rev (1m)3.46%
EPS NY rev (3m)-0.7%
Revenue NQ rev (1m)2.33%
Revenue NQ rev (3m)7.85%
Revenue NY rev (1m)5.14%
Revenue NY rev (3m)4.52%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.39 | ||
| Fwd PE | 3.15 | ||
| P/S | 0.57 | ||
| P/FCF | 0.77 | ||
| P/OCF | 0.76 | ||
| P/B | 0.63 | ||
| P/tB | 0.63 | ||
| EV/EBITDA | 17.21 |
EPS(TTM)5.69
EY22.77%
EPS(NY)7.93
Fwd EY31.75%
FCF(TTM)32.57
FCFY130.32%
OCF(TTM)33
OCFY132.03%
SpS43.68
BVpS39.88
TBVpS39.88
PEG (NY)0.15
PEG (5Y)0.19
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%
ROICexcg growth 3Y-33.18%
ROICexcg 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
WACC6.67%
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 Y29.8%
EPS Next 2Y28.97%
EPS Next 3Y37.21%
EPS Next 5YN/A
Revenue 1Y (TTM)31.28%
Revenue growth 3Y2.98%
Revenue growth 5Y10.83%
Sales Q2Q%24.73%
Revenue Next Year17.55%
Revenue Next 2Y15.07%
Revenue Next 3Y20.16%
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%