ATLANTICUS HOLDINGS CORP - ATLC 7 5/8 PERP (ATLCP) Fundamental Analysis & Valuation

NASDAQ:ATLCP • US04914Y2019

Current stock price

24.395 USD
+0.08 (+0.34%)
Last:

This ATLCP fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. ATLCP Profitability Analysis

1.1 Basic Checks

  • ATLCP had positive earnings in the past year.
  • In the past year ATLCP had a positive cash flow from operations.
  • Of the past 5 years ATLCP 4 years were profitable.
  • ATLCP had a positive operating cash flow in 4 of the past 5 years.
ATLCP Yearly Net Income VS EBIT VS OCF VS FCFATLCP Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M 300M 400M

1.2 Ratios

  • ATLCP has a Return On Assets (1.49%) which is in line with its industry peers.
  • ATLCP's Return On Equity of 16.73% is fine compared to the rest of the industry. ATLCP outperforms 64.81% of its industry peers.
  • ATLCP has a Return On Invested Capital of 1.83%. This is comparable to the rest of the industry: ATLCP outperforms 51.85% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for ATLCP is significantly below the industry average of 12.42%.
Industry RankSector 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%
ATLCP Yearly ROA, ROE, ROICATLCP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50 -50 100 -100

1.3 Margins

  • ATLCP has a Profit Margin of 14.39%. This is in the better half of the industry: ATLCP outperforms 61.11% of its industry peers.
  • In the last couple of years the Profit Margin of ATLCP has grown nicely.
  • ATLCP has a better Operating Margin (20.97%) than 72.22% of its industry peers.
  • In the last couple of years the Operating Margin of ATLCP has grown nicely.
  • The Gross Margin of ATLCP (50.44%) is comparable to the rest of the industry.
  • ATLCP's Gross Margin has declined in the last couple of years.
Industry RankSector 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%
ATLCP Yearly Profit, Operating, Gross MarginsATLCP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 60

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. ATLCP Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so ATLCP is destroying value.
  • There is no outstanding debt for ATLCP. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
ATLCP Yearly Shares OutstandingATLCP Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M
ATLCP Yearly Total Debt VS Total AssetsATLCP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

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 Altman-Z score (0.31) which is in line with its industry peers.
  • The Debt to FCF ratio of ATLCP is 12.37, which is on the high side as it means it would take ATLCP, 12.37 years of fcf income to pay off all of its debts.
  • ATLCP has a Debt to FCF ratio (12.37) which is comparable to the rest of the industry.
  • A Debt/Equity ratio of 9.59 is on the high side and indicates that ATLCP has dependencies on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 9.59, ATLCP is doing worse than 79.63% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 9.59
Debt/FCF 12.37
Altman-Z 0.31
ROIC/WACC0.27
WACC6.67%
ATLCP Yearly LT Debt VS Equity VS FCFATLCP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M 1B 1.5B 2B

2.3 Liquidity

  • A Current Ratio of 1.15 indicates that ATLCP should not have too much problems paying its short term obligations.
  • With a Current ratio value of 1.15, ATLCP perfoms like the industry average, outperforming 53.70% 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.
  • ATLCP has a Quick ratio (1.15) which is in line with its industry peers.
Industry RankSector Rank
Current Ratio 1.15
Quick Ratio 1.15
ATLCP Yearly Current Assets VS Current LiabilitesATLCP Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. ATLCP Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 24.95% over the past year.
  • ATLCP shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.85% yearly.
EPS 1Y (TTM)24.95%
EPS 3Y0.85%
EPS 5YN/A
EPS Q2Q%23.24%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%107.75%

3.2 Future

  • The Earnings Per Share is expected to grow by 38.70% on average over the next years. This is a very strong growth
  • ATLCP is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 29.94% yearly.
EPS Next Y49.46%
EPS Next 2Y38.7%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year60.95%
Revenue Next 2Y29.94%
Revenue Next 3YN/A
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.
ATLCP Yearly Revenue VS EstimatesATLCP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1B 2B 3B
ATLCP Yearly EPS VS EstimatesATLCP Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 2 4 6 8 10

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9

4. ATLCP Valuation Analysis

4.1 Price/Earnings Ratio

  • ATLCP is valuated cheaply with a Price/Earnings ratio of 4.09.
  • 83.33% 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 25.96, ATLCP is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 2.74, the valuation of ATLCP can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, ATLCP is valued cheaper than 94.44% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 24.04, ATLCP is valued rather cheaply.
Industry RankSector Rank
PE 4.09
Fwd PE 2.74
ATLCP Price Earnings VS Forward Price EarningsATLCP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • ATLCP's Enterprise Value to EBITDA ratio is in line with the industry average.
  • ATLCP's Price/Free Cash Flow ratio is rather cheap when compared to the industry. ATLCP is cheaper than 96.30% of the companies in the same industry.
Industry RankSector Rank
P/FCF 0.76
EV/EBITDA 37.24
ATLCP Per share dataATLCP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

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.
  • A more expensive valuation may be justified as ATLCP's earnings are expected to grow with 38.70% in the coming years.
PEG (NY)0.08
PEG (5Y)N/A
EPS Next 2Y38.7%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. ATLCP Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 7.84%, ATLCP is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 3.13, ATLCP pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.91, ATLCP pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.84%

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.
  • The dividend of ATLCP decreased recently.
Dividend Growth(5Y)29.87%
Div Incr Years0
Div Non Decr Years1
ATLCP Yearly Dividends per shareATLCP Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 2025 2026 0.5 1 1.5

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, but earnings are growing more, so the dividend growth is sustainable.
DP15.33%
EPS Next 2Y38.7%
EPS Next 3YN/A
ATLCP Yearly Income VS Free CF VS DividendATLCP Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M 300M 400M
ATLCP Dividend Payout.ATLCP Dividend Payout, showing the Payout Ratio.ATLCP Dividend Payout.PayoutRetained Earnings

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ATLCP Fundamentals: All Metrics, Ratios and Statistics

ATLANTICUS HOLDINGS CORP - ATLC 7 5/8 PERP

NASDAQ:ATLCP (3/16/2026, 8:08:31 PM)

24.395

+0.08 (+0.34%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)03-12
Earnings (Next)05-06
Inst Owners24.86%
Inst Owner ChangeN/A
Ins Owners37.71%
Ins Owner ChangeN/A
Market Cap369.34M
Revenue(TTM)N/A
Net Income(TTM)105.26M
Analysts87.27
Price Target43.85 (79.75%)
Short Float %0.03%
Short Ratio0.28
Dividend
Industry RankSector Rank
Dividend Yield 7.84%
Yearly Dividend1.74
Dividend Growth(5Y)29.87%
DP15.33%
Div Incr Years0
Div Non Decr Years1
Ex-Date02-27
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)0.55%
PT rev (3m)25.66%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.08%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.41%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.34%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.2%
Valuation
Industry RankSector Rank
PE 4.09
Fwd PE 2.74
P/S 0.51
P/FCF 0.76
P/OCF 0.75
P/B 0.59
P/tB 0.62
EV/EBITDA 37.24
EPS(TTM)5.96
EY24.43%
EPS(NY)8.91
Fwd EY36.52%
FCF(TTM)32.22
FCFY132.08%
OCF(TTM)32.65
OCFY133.84%
SpS48.3
BVpS41.57
TBVpS39.46
PEG (NY)0.08
PEG (5Y)N/A
Graham Number74.66
Profitability
Industry RankSector 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 RankSector 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
WACC6.67%
ROIC/WACC0.27
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)24.95%
EPS 3Y0.85%
EPS 5YN/A
EPS Q2Q%23.24%
EPS Next Y49.46%
EPS Next 2Y38.7%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%107.75%
Revenue Next Year60.95%
Revenue Next 2Y29.94%
Revenue Next 3YN/A
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 Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for ATLANTICUS HOLDINGS CORP - ATLC 7 5/8 PERP?

ChartMill assigns a fundamental rating of 5 / 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 5 / 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 4.09 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%.