24.305 USD
-0.11 (-0.43%)
Overall ATLCP gets a fundamental rating of 6 out of 10. We evaluated ATLCP against 54 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 has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare combination! ATLCP also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- ATLCP had positive earnings in the past year.
- ATLCP had a positive operating cash flow in the past year.
- ATLCP had positive earnings in each of the past 5 years.
- ATLCP had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- ATLCP's Return On Assets of 1.49% is in line compared to the rest of the industry. ATLCP outperforms 44.44% of its industry peers.
- ATLCP has a Return On Equity of 16.73%. This is in the better half of the industry: ATLCP outperforms 66.67% of its industry peers.
- ATLCP has a Return On Invested Capital (1.83%) which is comparable to the rest of the industry.
- The Average Return On Invested Capital over the past 3 years 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
- ATLCP has a Profit Margin of 14.39%. This is in the better half of the industry: ATLCP outperforms 62.96% of its industry peers.
- In the last couple of years the Profit Margin of ATLCP has grown nicely.
- ATLCP has a Operating Margin of 20.97%. This is in the better half of the industry: ATLCP outperforms 72.22% of its industry peers.
- ATLCP's Operating Margin has improved in the last couple of years.
- ATLCP has a Gross Margin (50.44%) which is in line with its industry peers.
- 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
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), ATLCP is destroying value.
- ATLCP has more shares outstanding than it did 1 year ago.
- Compared to 5 years ago, ATLCP has less shares outstanding
- 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 Altman-Z score (0.31) which is comparable to the rest of the industry.
- 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 57.41% 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.
- With a Debt to Equity ratio value of 9.59, ATLCP is not doing good in the industry: 77.78% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 9.59 | ||
| Debt/FCF | 12.37 | ||
| Altman-Z | 0.31 |
ROIC/WACC0.27
WACC6.66%
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 has a Current ratio (1.15) which is comparable to the rest of the industry.
- A Quick Ratio of 1.15 indicates that ATLCP should not have too much problems paying its short term obligations.
- With a Quick ratio value of 1.15, ATLCP perfoms like the industry average, outperforming 55.56% 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.
- The Earnings Per Share has been growing by 22.82% on average over the past years. This is a very strong growth
- The Revenue has grown by 36.98% in the past year. This is a very strong growth!
- 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
- Based on estimates for the next years, ATLCP will show a very strong growth in Earnings Per Share. The EPS will grow by 35.57% on average per year.
- The Revenue is expected to grow by 36.35% on average over the next years. This is a very strong growth
EPS Next Y25.6%
EPS Next 2Y38.22%
EPS Next 3Y35.57%
EPS Next 5YN/A
Revenue Next Year50.56%
Revenue Next 2Y55.6%
Revenue Next 3Y36.35%
Revenue Next 5YN/A
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
- 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
- With a Price/Earnings ratio of 4.32, the valuation of ATLCP can be described as very cheap.
- 85.19% of the companies in the same industry are more expensive than ATLCP, based on the Price/Earnings ratio.
- When comparing the Price/Earnings ratio of ATLCP to the average of the S&P500 Index (27.38), we can say ATLCP is valued rather cheaply.
- The Price/Forward Earnings ratio is 2.67, which indicates a rather cheap valuation of ATLCP.
- 98.15% of the companies in the same industry are more expensive than ATLCP, based on the Price/Forward Earnings ratio.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.29, ATLCP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.32 | ||
| Fwd PE | 2.67 |
4.2 Price Multiples
- ATLCP's Enterprise Value to EBITDA ratio is in line with the industry average.
- Based on the Price/Free Cash Flow ratio, ATLCP is valued cheaply inside the industry as 96.30% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.75 | ||
| EV/EBITDA | 37.24 |
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.
- ATLCP's earnings are expected to grow with 35.57% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.17
PEG (5Y)0.19
EPS Next 2Y38.22%
EPS Next 3Y35.57%
5. Dividend
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 2.58, ATLCP pays a better dividend. On top of this ATLCP pays more dividend than 87.04% of the companies listed in the same industry.
- ATLCP's Dividend Yield is rather good when compared to the S&P500 average which is at 1.84.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.84% |
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
- 15.33% of the earnings are spent on dividend by ATLCP. This is a low number and sustainable payout ratio.
- ATLCP's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP15.33%
EPS Next 2Y38.22%
EPS Next 3Y35.57%
ATLANTICUS HOLDINGS CORP - ATLC 7 5/8 PERP
NASDAQ:ATLCP (1/16/2026, 8:00:01 PM)
24.305
-0.11 (-0.43%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-10 2025-11-10/bmo
Earnings (Next)03-11 2026-03-11/amc
Inst Owners23.48%
Inst Owner ChangeN/A
Ins Owners37.69%
Ins Owner ChangeN/A
Market Cap367.98M
Revenue(TTM)731.21M
Net Income(TTM)105.26M
Analysts85
Price Target35.87 (47.58%)
Short Float %0.11%
Short Ratio1.19
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.84% |
Yearly Dividend1.74
Dividend Growth(5Y)29.87%
DP15.33%
Div Incr Years0
Div Non Decr Years1
Ex-DateN/A
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)2.79%
PT rev (3m)7.8%
EPS NQ rev (1m)0.86%
EPS NQ rev (3m)-6.9%
EPS NY rev (1m)0.17%
EPS NY rev (3m)-3.69%
Revenue NQ rev (1m)1.49%
Revenue NQ rev (3m)10.05%
Revenue NY rev (1m)0.1%
Revenue NY rev (3m)18.03%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.32 | ||
| Fwd PE | 2.67 | ||
| P/S | 0.5 | ||
| P/FCF | 0.75 | ||
| P/OCF | 0.74 | ||
| P/B | 0.58 | ||
| P/tB | 0.62 | ||
| EV/EBITDA | 37.24 |
EPS(TTM)5.63
EY23.16%
EPS(NY)9.11
Fwd EY37.5%
FCF(TTM)32.22
FCFY132.57%
OCF(TTM)32.65
OCFY134.33%
SpS48.3
BVpS41.57
TBVpS39.46
PEG (NY)0.17
PEG (5Y)0.19
Graham Number72.56
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
WACC6.66%
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)27.66%
EPS 3Y-14.56%
EPS 5Y22.82%
EPS Q2Q%-4.72%
EPS Next Y25.6%
EPS Next 2Y38.22%
EPS Next 3Y35.57%
EPS Next 5YN/A
Revenue 1Y (TTM)36.98%
Revenue growth 3Y2.98%
Revenue growth 5Y10.83%
Sales Q2Q%40.84%
Revenue Next Year50.56%
Revenue Next 2Y55.6%
Revenue Next 3Y36.35%
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 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 4.32 and the Price/Book (PB) ratio is 0.58.
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%.