ATLANTICUS HOLDINGS CORP - ATLC 7 5/8 PERP (ATLCP)
US04914Y2019
Overall ATLCP gets a fundamental rating of 6 out of 10. We evaluated ATLCP against 51 industry peers in the Consumer Finance industry. ATLCP has an excellent profitability rating, but there are some minor concerns on its financial health. ATLCP may be a bit undervalued, certainly considering the very reasonable score on growth This makes ATLCP very considerable for value investing!
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.
ATLCP had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
ATLCP's Return On Assets of 2.87% is fine compared to the rest of the industry. ATLCP outperforms 72.55% of its industry peers.
Looking at the Return On Equity, with a value of 14.52%, ATLCP is in the better half of the industry, outperforming 68.63% of the companies in the same industry.
The Return On Invested Capital of ATLCP (4.29%) is better than 74.51% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for ATLCP 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
ATLCP has a better Profit Margin (16.65%) than 76.47% of its industry peers.
ATLCP's Profit Margin has improved in the last couple of years.
ATLCP's Operating Margin of 27.58% is amongst the best of the industry. ATLCP outperforms 80.39% of its industry peers.
ATLCP's Operating Margin has improved in the last couple of years.
Looking at the Gross Margin, with a value of 54.98%, ATLCP is in line with its industry, outperforming 58.82% of the companies in the same industry.
ATLCP'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), ATLCP is creating some value.
ATLCP has more shares outstanding than it did 1 year ago.
The number of shares outstanding for ATLCP has been reduced compared to 5 years ago.
The debt/assets ratio for ATLCP has been reduced compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.67, we must say that ATLCP is in the distress zone and has some risk of bankruptcy.
ATLCP has a Altman-Z score (0.67) which is in line with its industry peers.
ATLCP has a debt to FCF ratio of 4.41. This is a neutral value as ATLCP would need 4.41 years to pay back of all of its debts.
ATLCP has a Debt to FCF ratio of 4.41. This is in the better half of the industry: ATLCP outperforms 70.59% of its industry peers.
A Debt/Equity ratio of 3.75 is on the high side and indicates that ATLCP has dependencies on debt financing.
ATLCP has a Debt to Equity ratio of 3.75. This is in the lower half of the industry: ATLCP underperforms 62.75% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.75 | ||
| Debt/FCF | 4.41 | ||
| Altman-Z | 0.67 |
ROIC/WACC0.7
WACC6.13%
2.3 Liquidity
A Current Ratio of 2.19 indicates that ATLCP has no problem at all paying its short term obligations.
Looking at the Current ratio, with a value of 2.19, ATLCP is in the better half of the industry, outperforming 72.55% of the companies in the same industry.
ATLCP has a Quick Ratio of 2.19. This indicates that ATLCP is financially healthy and has no problem in meeting its short term obligations.
Looking at the Quick ratio, with a value of 2.19, ATLCP is in the better half of the industry, outperforming 72.55% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.19 | ||
| Quick Ratio | 2.19 |
3. Growth
3.1 Past
ATLCP shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -27.88%.
ATLCP shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 48.98% yearly.
The Revenue has decreased by -0.76% in the past year.
ATLCP shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 19.52% yearly.
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
ATLCP is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 22.88% yearly.
Based on estimates for the next years, ATLCP will show a quite strong growth in Revenue. The Revenue will grow by 13.76% on average per year.
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.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
ATLCP is valuated cheaply with a Price/Earnings ratio of 5.44.
84.31% of the companies in the same industry are more expensive than ATLCP, based on the Price/Earnings ratio.
ATLCP's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.25.
Based on the Price/Forward Earnings ratio of 4.63, the valuation of ATLCP can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ATLCP indicates a rather cheap valuation: ATLCP is cheaper than 94.12% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.67, ATLCP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.44 | ||
| Fwd PE | 4.63 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, ATLCP is valued a bit cheaper than the industry average as 76.47% of the companies are valued more expensively.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of ATLCP indicates a rather cheap valuation: ATLCP is cheaper than 98.04% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.73 | ||
| EV/EBITDA | 14.99 |
4.3 Compensation for Growth
ATLCP's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
The decent profitability rating of ATLCP may justify a higher PE ratio.
A more expensive valuation may be justified as ATLCP's earnings are expected to grow with 22.88% in the coming years.
PEG (NY)0.31
PEG (5Y)0.11
EPS Next 2Y22.88%
EPS Next 3YN/A
5. Dividend
5.1 Amount
ATLCP has a Yearly Dividend Yield of 8.46%, which is a nice return.
Compared to an average industry Dividend Yield of 4.32, ATLCP pays a better dividend. On top of this ATLCP pays more dividend than 96.08% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.45, ATLCP pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.46% |
5.2 History
ATLCP has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
ATLCP pays out 32.07% of its income as dividend. This is a sustainable payout ratio.
DP32.07%
EPS Next 2Y22.88%
EPS Next 3YN/A
ATLANTICUS HOLDINGS CORP - ATLC 7 5/8 PERP
NASDAQ:ATLCP (4/25/2024, 11:59:49 AM)
22.8
+0.79 (+3.59%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
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Market Cap333.11M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.46% |
Dividend Growth(5Y)
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Surprises & Revisions
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Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.44 | ||
| Fwd PE | 4.63 | ||
| 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)0.31
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
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EBIT growth 3Y
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