23.985 USD
+0.04 (+0.19%)
We assign a fundamental rating of 6 out of 10 to ATLCP. ATLCP was compared to 55 industry peers in the Consumer Finance industry. While ATLCP is still in line with the averages on profitability rating, there are concerns on its financial health. ATLCP is evaluated to be cheap and growing strongly. This does not happen too often! Finally 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.
In the past 5 years ATLCP has always been profitable.
ATLCP had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
ATLCP has a Return On Assets of 1.49%. This is comparable to the rest of the industry: ATLCP outperforms 49.09% of its industry peers.
ATLCP's Return On Equity of 16.73% is fine compared to the rest of the industry. ATLCP outperforms 70.91% of its industry peers.
ATLCP's Return On Invested Capital of 1.83% is in line compared to the rest of the industry. ATLCP outperforms 54.55% of its industry peers.
ATLCP had an Average Return On Invested Capital over the past 3 years of 4.28%. This is significantly below the industry average of 11.33%.
| 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 ATLCP (14.39%) is better than 67.27% of its industry peers.
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 72.73% of its industry peers.
In the last couple of years the Operating Margin of ATLCP has grown nicely.
Looking at the Gross Margin, with a value of 50.44%, ATLCP is in line with its industry, outperforming 56.36% of the companies in the same industry.
In the last couple of years the Gross Margin of ATLCP 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
ATLCP has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it 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
ATLCP has an Altman-Z score of 0.31. This is a bad value and indicates that ATLCP is not financially healthy and even has some risk of bankruptcy.
ATLCP has a worse Altman-Z score (0.31) than 60.00% 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.
Looking at the Debt to FCF ratio, with a value of 12.37, ATLCP is in line with its industry, outperforming 54.55% of the companies in the same industry.
A Debt/Equity ratio of 9.59 is on the high side and indicates that ATLCP has dependencies on debt financing.
ATLCP has a Debt to Equity ratio of 9.59. This is amonst the worse of the industry: ATLCP underperforms 80.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 9.59 | ||
| Debt/FCF | 12.37 | ||
| Altman-Z | 0.31 |
ROIC/WACC0.28
WACC6.61%
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.
With a Current ratio value of 1.15, ATLCP perfoms like the industry average, outperforming 56.36% of the companies in the same industry.
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 56.36% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.15 | ||
| Quick Ratio | 1.15 |
3. Growth
3.1 Past
ATLCP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 27.66%, 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
ATLCP shows a strong growth in Revenue. In the last year, the Revenue has grown by 36.98%.
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)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
ATLCP is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 39.05% yearly.
The Revenue is expected to grow by 35.51% on average over the next years. This is a very strong growth
EPS Next Y30.62%
EPS Next 2Y33.91%
EPS Next 3Y39.05%
EPS Next 5YN/A
Revenue Next Year39.66%
Revenue Next 2Y37.78%
Revenue Next 3Y35.51%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 4.26, which indicates a rather cheap valuation of ATLCP.
ATLCP's Price/Earnings ratio is rather cheap when compared to the industry. ATLCP is cheaper than 89.09% of the companies in the same industry.
When comparing the Price/Earnings ratio of ATLCP to the average of the S&P500 Index (26.15), we can say ATLCP is valued rather cheaply.
The Price/Forward Earnings ratio is 2.80, which indicates a rather cheap valuation of ATLCP.
Based on the Price/Forward Earnings ratio, ATLCP is valued cheaper than 96.36% of the companies in the same industry.
ATLCP's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.12.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.26 | ||
| Fwd PE | 2.8 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as ATLCP.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of ATLCP indicates a rather cheap valuation: ATLCP is cheaper than 96.36% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.74 | ||
| EV/EBITDA | 37.21 |
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 39.05% in the coming years.
PEG (NY)0.14
PEG (5Y)0.19
EPS Next 2Y33.91%
EPS Next 3Y39.05%
5. Dividend
5.1 Amount
ATLCP has a Yearly Dividend Yield of 7.90%, which is a nice return.
Compared to an average industry Dividend Yield of 5.21, ATLCP pays a better dividend. On top of this ATLCP pays more dividend than 92.73% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.41, ATLCP pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.9% |
5.2 History
On average, the dividend of ATLCP grows each year by 29.87%, which is quite nice.
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
ATLCP pays out 15.33% of its income as dividend. This is a sustainable payout ratio.
The dividend of ATLCP is growing, but earnings are growing more, so the dividend growth is sustainable.
DP15.33%
EPS Next 2Y33.91%
EPS Next 3Y39.05%
ATLANTICUS HOLDINGS CORP - ATLC 7 5/8 PERP
NASDAQ:ATLCP (11/26/2025, 8:16:21 PM)
23.985
+0.04 (+0.19%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners21.89%
Inst Owner ChangeN/A
Ins Owners37.6%
Ins Owner ChangeN/A
Market Cap362.89M
Revenue(TTM)731.21M
Net Income(TTM)105.26M
Analysts85
Price Target39.11 (63.06%)
Short Float %0.16%
Short Ratio1.71
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.9% |
Yearly Dividend1.74
Dividend Growth(5Y)29.87%
DP15.33%
Div Incr Years0
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.69%
Min EPS beat(2)-22.02%
Max EPS beat(2)20.63%
EPS beat(4)2
Avg EPS beat(4)1.64%
Min EPS beat(4)-22.02%
Max EPS beat(4)20.63%
EPS beat(8)6
Avg EPS beat(8)3.46%
EPS beat(12)8
Avg EPS beat(12)3.35%
EPS beat(16)9
Avg EPS beat(16)1.94%
Revenue beat(2)2
Avg Revenue beat(2)4.16%
Min Revenue beat(2)0.22%
Max Revenue beat(2)8.09%
Revenue beat(4)2
Avg Revenue beat(4)0.85%
Min Revenue beat(4)-2.55%
Max Revenue beat(4)8.09%
Revenue beat(8)3
Avg Revenue beat(8)-0.15%
Revenue beat(12)4
Avg Revenue beat(12)-5.92%
Revenue beat(16)4
Avg Revenue beat(16)-16.3%
PT rev (1m)17.52%
PT rev (3m)46.06%
EPS NQ rev (1m)-9.2%
EPS NQ rev (3m)-5.11%
EPS NY rev (1m)0.03%
EPS NY rev (3m)0.63%
Revenue NQ rev (1m)9.13%
Revenue NQ rev (3m)75.53%
Revenue NY rev (1m)0.05%
Revenue NY rev (3m)20.1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.26 | ||
| Fwd PE | 2.8 | ||
| P/S | 0.5 | ||
| P/FCF | 0.74 | ||
| P/OCF | 0.73 | ||
| P/B | 0.58 | ||
| P/tB | 0.61 | ||
| EV/EBITDA | 37.21 |
EPS(TTM)5.63
EY23.47%
EPS(NY)8.55
Fwd EY35.66%
FCF(TTM)32.24
FCFY134.43%
OCF(TTM)32.67
OCFY136.21%
SpS48.33
BVpS41.6
TBVpS39.49
PEG (NY)0.14
PEG (5Y)0.19
Graham Number72.59
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.49% | ||
| ROE | 16.73% | ||
| ROCE | 2.3% | ||
| ROIC | 1.83% | ||
| ROICexc | 1.95% | ||
| ROICexgc | 1.96% | ||
| OM | 20.97% | ||
| PM (TTM) | 14.39% | ||
| GM | 50.44% | ||
| FCFM | 66.72% |
ROA(3y)3.39%
ROA(5y)4.91%
ROE(3y)17.73%
ROE(5y)25.03%
ROIC(3y)4.28%
ROIC(5y)6.32%
ROICexc(3y)5.02%
ROICexc(5y)7.67%
ROICexgc(3y)5.02%
ROICexgc(5y)7.67%
ROCE(3y)5.4%
ROCE(5y)7.96%
ROICexgc growth 3Y-33.18%
ROICexgc 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-Score4
Asset Turnover0.1
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 9.59 | ||
| Debt/FCF | 12.37 | ||
| Debt/EBITDA | 37.59 | ||
| Cap/Depr | 90.21% | ||
| Cap/Sales | 0.89% | ||
| Interest Coverage | 0.75 | ||
| Cash Conversion | 307.91% | ||
| Profit Quality | 463.47% | ||
| Current Ratio | 1.15 | ||
| Quick Ratio | 1.15 | ||
| Altman-Z | 0.31 |
F-Score4
WACC6.61%
ROIC/WACC0.28
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)27.66%
EPS 3Y-14.56%
EPS 5Y22.82%
EPS Q2Q%-4.72%
EPS Next Y30.62%
EPS Next 2Y33.91%
EPS Next 3Y39.05%
EPS Next 5YN/A
Revenue 1Y (TTM)36.98%
Revenue growth 3Y2.98%
Revenue growth 5Y10.83%
Sales Q2Q%40.84%
Revenue Next Year39.66%
Revenue Next 2Y37.78%
Revenue Next 3Y35.51%
Revenue Next 5YN/A
EBIT growth 1Y18.5%
EBIT growth 3Y-17.74%
EBIT growth 5Y34.23%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y16.23%
FCF growth 3Y31.57%
FCF growth 5Y36.22%
OCF growth 1Y15.71%
OCF growth 3Y30.26%
OCF growth 5Y36.24%
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 of ATLANTICUS HOLDINGS CORP - ATLC 7 5/8 PERP (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.
Can you provide the PE and PB ratios for ATLCP stock?
The Price/Earnings (PE) ratio for ATLANTICUS HOLDINGS CORP - ATLC 7 5/8 PERP (ATLCP) is 4.26 and the Price/Book (PB) ratio is 0.58.
Is the dividend of ATLANTICUS HOLDINGS CORP - ATLC 7 5/8 PERP sustainable?
The dividend rating of ATLANTICUS HOLDINGS CORP - ATLC 7 5/8 PERP (ATLCP) is 8 / 10 and the dividend payout ratio is 15.33%.