24.4 USD
-0.04 (-0.16%)
Last: Jan 30, 2026, 04:30 PM
Overall ATLCP gets a fundamental rating of 6 out of 10. We evaluated ATLCP against 53 industry peers in the Consumer Finance industry. There are concerns on the financial health of ATLCP while its profitability can be described as average. 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
- With a Return On Assets value of 1.49%, ATLCP perfoms like the industry average, outperforming 43.40% of the companies in the same industry.
- Looking at the Return On Equity, with a value of 16.73%, ATLCP is in the better half of the industry, outperforming 66.04% of the companies in the same industry.
- ATLCP's Return On Invested Capital of 1.83% is in line compared to the rest of the industry. ATLCP outperforms 50.94% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for ATLCP 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
- Looking at the Profit Margin, with a value of 14.39%, ATLCP is in the better half of the industry, outperforming 62.26% of the companies in the same industry.
- ATLCP's Profit Margin has improved in the last couple of years.
- ATLCP's Operating Margin of 20.97% is fine compared to the rest of the industry. ATLCP outperforms 71.70% of its industry peers.
- ATLCP's Operating Margin has improved in the last couple of years.
- ATLCP's Gross Margin of 50.44% is in line compared to the rest of the industry. ATLCP outperforms 56.60% of its industry peers.
- ATLCP's Gross Margin has declined in the last couple of years.
| 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
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so ATLCP is destroying value.
- ATLCP has more shares outstanding than it did 1 year ago.
- ATLCP has less shares outstanding than it did 5 years ago.
- ATLCP has a worse debt/assets ratio than last year.
2.2 Solvency
- Based on the Altman-Z score of 0.31, we must say that ATLCP is in the distress zone and has some risk of bankruptcy.
- ATLCP's Altman-Z score of 0.31 is in line compared to the rest of the industry. ATLCP outperforms 43.40% of its industry peers.
- ATLCP has a debt to FCF ratio of 12.37. This is a negative value and a sign of low solvency as ATLCP would need 12.37 years to pay back of all of its debts.
- The Debt to FCF ratio of ATLCP (12.37) is comparable to the rest of the industry.
- ATLCP has a Debt/Equity ratio of 9.59. This is a high value indicating a heavy dependency on external financing.
- ATLCP's Debt to Equity ratio of 9.59 is on the low side compared to the rest of the industry. ATLCP is outperformed by 79.25% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 9.59 | ||
| Debt/FCF | 12.37 | ||
| Altman-Z | 0.31 |
ROIC/WACC0.27
WACC6.67%
2.3 Liquidity
- ATLCP has a Current Ratio of 1.15. This is a normal value and indicates that ATLCP is financially healthy and should not expect problems in meeting its short term obligations.
- ATLCP's Current ratio of 1.15 is in line compared to the rest of the industry. ATLCP outperforms 54.72% of its industry peers.
- A Quick Ratio of 1.15 indicates that ATLCP should not have too much problems paying its short term obligations.
- Looking at the Quick ratio, with a value of 1.15, ATLCP is in line with its industry, outperforming 54.72% of the companies in the same industry.
| 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.
- ATLCP shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 22.82% yearly.
- Looking at the last year, ATLCP shows a very strong growth in Revenue. The Revenue has grown by 36.98%.
- The Revenue has been growing by 10.83% on average over the past years. This is quite good.
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
- The Earnings Per Share is expected to grow by 33.96% on average over the next years. This is a very strong growth
- The Revenue is expected to grow by 36.35% on average over the next years. This is a very strong growth
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
- With a Price/Earnings ratio of 4.33, the valuation of ATLCP can be described as very cheap.
- 84.91% of the companies in the same industry are more expensive than ATLCP, based on the Price/Earnings ratio.
- Compared to an average S&P500 Price/Earnings ratio of 28.30, ATLCP is valued rather cheaply.
- Based on the Price/Forward Earnings ratio of 2.73, the valuation of ATLCP can be described as very cheap.
- Based on the Price/Forward Earnings ratio, ATLCP is valued cheaper than 98.11% of the companies in the same industry.
- When comparing the Price/Forward Earnings ratio of ATLCP to the average of the S&P500 Index (25.57), we can say ATLCP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.33 | ||
| Fwd PE | 2.73 |
4.2 Price Multiples
- ATLCP's Enterprise Value to EBITDA is on the same level as the industry average.
- 96.23% of the companies in the same industry are more expensive than ATLCP, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.76 | ||
| EV/EBITDA | 37.25 |
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.
- ATLCP's earnings are expected to grow with 33.96% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.17
PEG (5Y)0.19
EPS Next 2Y36.83%
EPS Next 3Y33.96%
5. Dividend
5.1 Amount
- ATLCP has a Yearly Dividend Yield of 7.81%, which is a nice return.
- ATLCP's Dividend Yield is rather good when compared to the industry average which is at 2.69. ATLCP pays more dividend than 86.79% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.82, ATLCP pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.81% |
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.
- ATLCP has decreased its dividend recently.
Dividend Growth(5Y)29.87%
Div Incr Years0
Div Non Decr Years1
5.3 Sustainability
- 15.33% 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.
DP15.33%
EPS Next 2Y36.83%
EPS Next 3Y33.96%
ATLANTICUS HOLDINGS CORP - ATLC 7 5/8 PERP / ATLCP FAQ
Can you provide the ChartMill fundamental rating for ATLANTICUS HOLDINGS CORP - ATLC 7 5/8 PERP?
ChartMill assigns a fundamental rating of 6 / 10 to ATLCP.
What is the valuation status for ATLCP stock?
ChartMill assigns a valuation rating of 9 / 10 to ATLANTICUS HOLDINGS CORP - ATLC 7 5/8 PERP (ATLCP). This can be considered as Undervalued.
How profitable is ATLANTICUS HOLDINGS CORP - ATLC 7 5/8 PERP (ATLCP) stock?
ATLANTICUS HOLDINGS CORP - ATLC 7 5/8 PERP (ATLCP) has a profitability rating of 6 / 10.
What is the valuation of ATLANTICUS HOLDINGS CORP - ATLC 7 5/8 PERP based on its PE and PB ratios?
The Price/Earnings (PE) ratio for ATLANTICUS HOLDINGS CORP - ATLC 7 5/8 PERP (ATLCP) is 4.33 and the Price/Book (PB) ratio is 0.59.
How sustainable is the dividend of ATLANTICUS HOLDINGS CORP - ATLC 7 5/8 PERP (ATLCP) stock?
The dividend rating of ATLANTICUS HOLDINGS CORP - ATLC 7 5/8 PERP (ATLCP) is 7 / 10 and the dividend payout ratio is 15.33%.