ATLANTICUS HOLDINGS CORP - ATLC 7 5/8 PERP (ATLCP) Stock Fundamental Analysis
NASDAQ:ATLCP - Nasdaq - US04914Y2019 - Currency: USD
Overall ATLCP gets a fundamental rating of 7 out of 10. We evaluated ATLCP against 53 industry peers in the Consumer Finance industry. Both the profitability and the financial health of ATLCP get a neutral evaluation. Nothing too spectacular is happening here. ATLCP is evaluated to be cheap and growing strongly. This does not happen too often! ATLCP also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year ATLCP was profitable.
In the past year ATLCP had a positive cash flow from operations.
Each year in the past 5 years ATLCP has been profitable.
In the past 5 years ATLCP always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 2.92%, ATLCP is in the better half of the industry, outperforming 67.92% of the companies in the same industry.
Looking at the Return On Equity, with a value of 16.66%, ATLCP is in the better half of the industry, outperforming 71.70% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 3.82%, ATLCP is in the better half of the industry, outperforming 60.38% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for ATLCP is significantly below the industry average of 10.31%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.92% | ||
| ROE | 16.66% | ||
| ROIC | 3.82% |
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
ATLCP has a better Profit Margin (15.56%) than 77.36% of its industry peers.
In the last couple of years the Profit Margin of ATLCP has grown nicely.
With an excellent Operating Margin value of 23.91%, ATLCP belongs to the best of the industry, outperforming 81.13% of the companies in the same industry.
In the last couple of years the Operating Margin of ATLCP has grown nicely.
ATLCP's Gross Margin of 51.67% is in line compared to the rest of the industry. ATLCP outperforms 56.60% of its industry peers.
In the last couple of years the Gross Margin of ATLCP has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 23.91% | ||
| PM (TTM) | 15.56% | ||
| GM | 51.67% |
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), ATLCP is destroying value.
The number of shares outstanding for ATLCP has been increased compared to 1 year ago.
The number of shares outstanding for ATLCP has been reduced compared to 5 years ago.
The debt/assets ratio for ATLCP is higher compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.65, we must say that ATLCP is in the distress zone and has some risk of bankruptcy.
ATLCP's Altman-Z score of 0.65 is in line compared to the rest of the industry. ATLCP outperforms 49.06% of its industry peers.
ATLCP has a debt to FCF ratio of 5.18. This is a neutral value as ATLCP would need 5.18 years to pay back of all of its debts.
ATLCP has a better Debt to FCF ratio (5.18) than 71.70% of its industry peers.
A Debt/Equity ratio of 4.32 is on the high side and indicates that ATLCP has dependencies on debt financing.
ATLCP's Debt to Equity ratio of 4.32 is on the low side compared to the rest of the industry. ATLCP is outperformed by 64.15% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.32 | ||
| Debt/FCF | 5.18 | ||
| Altman-Z | 0.65 |
ROIC/WACC0.58
WACC6.56%
2.3 Liquidity
A Current Ratio of 1.68 indicates that ATLCP should not have too much problems paying its short term obligations.
ATLCP has a better Current ratio (1.68) than 67.92% of its industry peers.
ATLCP has a Quick Ratio of 1.68. This is a normal value and indicates that ATLCP is financially healthy and should not expect problems in meeting its short term obligations.
ATLCP has a Quick ratio of 1.68. This is in the better half of the industry: ATLCP outperforms 67.92% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.68 | ||
| Quick Ratio | 1.68 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 23.10% over the past year.
ATLCP 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 26.02% in the past year. This is a very strong growth!
Measured over the past years, ATLCP shows a quite strong growth in Revenue. The Revenue has been growing by 10.83% on average per year.
EPS 1Y (TTM)23.1%
EPS 3Y-14.56%
EPS 5Y22.82%
EPS Q2Q%36.7%
Revenue 1Y (TTM)26.02%
Revenue growth 3Y2.98%
Revenue growth 5Y10.83%
Sales Q2Q%18.73%
3.2 Future
ATLCP is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 35.56% yearly.
ATLCP is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 18.37% yearly.
EPS Next Y25.46%
EPS Next 2Y28.25%
EPS Next 3Y35.56%
EPS Next 5YN/A
Revenue Next Year11.5%
Revenue Next 2Y11.71%
Revenue Next 3Y18.37%
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 4.26, which indicates a rather cheap valuation of ATLCP.
Compared to the rest of the industry, the Price/Earnings ratio of ATLCP indicates a rather cheap valuation: ATLCP is cheaper than 96.23% of the companies listed in the same industry.
ATLCP's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.50.
The Price/Forward Earnings ratio is 2.81, which indicates a rather cheap valuation of ATLCP.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ATLCP indicates a rather cheap valuation: ATLCP is cheaper than 98.11% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 36.44. ATLCP is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.26 | ||
| Fwd PE | 2.81 |
4.2 Price Multiples
ATLCP's Enterprise Value to EBITDA is on the same level as the industry average.
Based on the Price/Free Cash Flow ratio, ATLCP is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.7 | ||
| EV/EBITDA | 16.15 |
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.
ATLCP has a very decent profitability rating, which may justify a higher PE ratio.
A more expensive valuation may be justified as ATLCP's earnings are expected to grow with 35.56% in the coming years.
PEG (NY)0.17
PEG (5Y)0.19
EPS Next 2Y28.25%
EPS Next 3Y35.56%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 8.68%, ATLCP is a good candidate for dividend investing.
ATLCP's Dividend Yield is rather good when compared to the industry average which is at 3.62. ATLCP pays more dividend than 98.11% of the companies in the same industry.
ATLCP's Dividend Yield is rather good when compared to the S&P500 average which is at 2.35.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.68% |
5.2 History
The dividend of ATLCP is nicely growing with an annual growth rate of 29.87%!
ATLCP has been paying a dividend for over 5 years, so it has already some track record.
The dividend of ATLCP decreased recently.
Dividend Growth(5Y)29.87%
Div Incr Years0
Div Non Decr Years1
5.3 Sustainability
26.30% of the earnings are spent on dividend by ATLCP. This is a low number and sustainable payout ratio.
The dividend of ATLCP is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP26.3%
EPS Next 2Y28.25%
EPS Next 3Y35.56%
ATLANTICUS HOLDINGS CORP - ATLC 7 5/8 PERP
NASDAQ:ATLCP (7/18/2025, 4:22:58 PM)
22.03
+0.01 (+0.03%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners20.21%
Inst Owner ChangeN/A
Ins Owners37.61%
Ins Owner ChangeN/A
Market Cap333.31M
Analysts83.08
Price Target30.44 (38.18%)
Short Float %0.12%
Short Ratio0.7
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.68% |
Yearly Dividend1.74
Dividend Growth(5Y)29.87%
DP26.3%
Div Incr Years0
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.98%
Min EPS beat(2)-1.55%
Max EPS beat(2)9.5%
EPS beat(4)3
Avg EPS beat(4)3.88%
Min EPS beat(4)-1.55%
Max EPS beat(4)9.5%
EPS beat(8)6
Avg EPS beat(8)8.07%
EPS beat(12)8
Avg EPS beat(12)3.77%
EPS beat(16)10
Avg EPS beat(16)6.78%
Revenue beat(2)0
Avg Revenue beat(2)-2.46%
Min Revenue beat(2)-2.55%
Max Revenue beat(2)-2.38%
Revenue beat(4)1
Avg Revenue beat(4)0.01%
Min Revenue beat(4)-2.55%
Max Revenue beat(4)5.38%
Revenue beat(8)2
Avg Revenue beat(8)-0.99%
Revenue beat(12)2
Avg Revenue beat(12)-15.9%
Revenue beat(16)2
Avg Revenue beat(16)-19.68%
PT rev (1m)-4.97%
PT rev (3m)0.35%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-5.56%
EPS NY rev (1m)-4.02%
EPS NY rev (3m)-4.12%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.22%
Revenue NY rev (1m)-0.86%
Revenue NY rev (3m)-0.4%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.26 | ||
| Fwd PE | 2.81 | ||
| P/S | 0.54 | ||
| P/FCF | 0.7 | ||
| P/OCF | 0.69 | ||
| P/B | 0.58 | ||
| P/tB | 0.58 | ||
| EV/EBITDA | 16.15 |
EPS(TTM)5.17
EY23.47%
EPS(NY)7.85
Fwd EY35.61%
FCF(TTM)31.58
FCFY143.34%
OCF(TTM)31.87
OCFY144.66%
SpS40.53
BVpS37.85
TBVpS37.85
PEG (NY)0.17
PEG (5Y)0.19
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.92% | ||
| ROE | 16.66% | ||
| ROCE | 4.82% | ||
| ROIC | 3.82% | ||
| ROICexc | 4.32% | ||
| ROICexgc | 4.32% | ||
| OM | 23.91% | ||
| PM (TTM) | 15.56% | ||
| GM | 51.67% | ||
| FCFM | 77.91% |
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 Turnover0.19
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.32 | ||
| Debt/FCF | 5.18 | ||
| Debt/EBITDA | 16.26 | ||
| Cap/Depr | 79.55% | ||
| Cap/Sales | 0.72% | ||
| Interest Coverage | 0.94 | ||
| Cash Conversion | 316.89% | ||
| Profit Quality | 500.63% | ||
| Current Ratio | 1.68 | ||
| Quick Ratio | 1.68 | ||
| Altman-Z | 0.65 |
F-Score6
WACC6.56%
ROIC/WACC0.58
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)23.1%
EPS 3Y-14.56%
EPS 5Y22.82%
EPS Q2Q%36.7%
EPS Next Y25.46%
EPS Next 2Y28.25%
EPS Next 3Y35.56%
EPS Next 5YN/A
Revenue 1Y (TTM)26.02%
Revenue growth 3Y2.98%
Revenue growth 5Y10.83%
Sales Q2Q%18.73%
Revenue Next Year11.5%
Revenue Next 2Y11.71%
Revenue Next 3Y18.37%
Revenue Next 5YN/A
EBIT growth 1Y15.16%
EBIT growth 3Y-17.74%
EBIT growth 5Y34.23%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y32.9%
FCF growth 3Y31.57%
FCF growth 5Y36.22%
OCF growth 1Y31.35%
OCF growth 3Y30.26%
OCF growth 5Y36.24%