ATLANTICUS HOLDINGS CORP - ATLC 9 1/4 01/31/29 (ATLCZ) Stock Fundamental Analysis

NASDAQ:ATLCZ • US04914Y4098

25.58 USD
0 (0%)
Last: Feb 13, 2026, 08:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

6

ATLCZ gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 54 industry peers in the Consumer Finance industry. While ATLCZ is still in line with the averages on profitability rating, there are concerns on its financial health. An interesting combination arises when we look at growth and value: ATLCZ is growing strongly while it also seems undervalued.


Dividend Valuation Growth Profitability Health

5

1. Profitability

1.1 Basic Checks

  • ATLCZ had positive earnings in the past year.
  • In the past year ATLCZ had a positive cash flow from operations.
  • Each year in the past 5 years ATLCZ has been profitable.
  • ATLCZ had a positive operating cash flow in each of the past 5 years.
ATLCZ Yearly Net Income VS EBIT VS OCF VS FCFATLCZ 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

  • The Return On Assets of ATLCZ (1.49%) is comparable to the rest of the industry.
  • The Return On Equity of ATLCZ (16.73%) is better than 62.96% of its industry peers.
  • ATLCZ 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 ATLCZ is significantly below the industry average of 12.09%.
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%
ATLCZ Yearly ROA, ROE, ROICATLCZ Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50 -50 100 -100

1.3 Margins

  • ATLCZ has a Profit Margin (14.39%) which is comparable to the rest of the industry.
  • ATLCZ's Profit Margin has improved in the last couple of years.
  • The Operating Margin of ATLCZ (20.97%) is better than 68.52% of its industry peers.
  • ATLCZ's Operating Margin has improved in the last couple of years.
  • Looking at the Gross Margin, with a value of 50.44%, ATLCZ is in line with its industry, outperforming 53.70% of the companies in the same industry.
  • ATLCZ'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%
ATLCZ Yearly Profit, Operating, Gross MarginsATLCZ 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. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so ATLCZ is destroying value.
  • The number of shares outstanding for ATLCZ has been increased compared to 1 year ago.
  • ATLCZ has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for ATLCZ is higher compared to a year ago.
ATLCZ Yearly Shares OutstandingATLCZ Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M
ATLCZ Yearly Total Debt VS Total AssetsATLCZ 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

  • Based on the Altman-Z score of 0.32, we must say that ATLCZ is in the distress zone and has some risk of bankruptcy.
  • ATLCZ has a Altman-Z score (0.32) which is in line with its industry peers.
  • ATLCZ has a debt to FCF ratio of 12.37. This is a negative value and a sign of low solvency as ATLCZ would need 12.37 years to pay back of all of its debts.
  • With a Debt to FCF ratio value of 12.37, ATLCZ perfoms like the industry average, outperforming 53.70% of the companies in the same industry.
  • ATLCZ has a Debt/Equity ratio of 9.59. This is a high value indicating a heavy dependency on external financing.
  • ATLCZ has a Debt to Equity ratio of 9.59. This is in the lower half of the industry: ATLCZ underperforms 79.63% of its industry peers.
Industry RankSector Rank
Debt/Equity 9.59
Debt/FCF 12.37
Altman-Z 0.32
ROIC/WACC0.27
WACC6.7%
ATLCZ Yearly LT Debt VS Equity VS FCFATLCZ 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

  • ATLCZ has a Current Ratio of 1.15. This is a normal value and indicates that ATLCZ is financially healthy and should not expect problems in meeting its short term obligations.
  • ATLCZ has a Current ratio (1.15) which is in line with its industry peers.
  • ATLCZ has a Quick Ratio of 1.15. This is a normal value and indicates that ATLCZ is financially healthy and should not expect problems in meeting its short term obligations.
  • ATLCZ's Quick ratio of 1.15 is in line compared to the rest of the industry. ATLCZ outperforms 53.70% of its industry peers.
Industry RankSector Rank
Current Ratio 1.15
Quick Ratio 1.15
ATLCZ Yearly Current Assets VS Current LiabilitesATLCZ 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

9

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
  • ATLCZ shows a strong growth in Revenue. In the last year, 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

  • ATLCZ is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 33.96% yearly.
  • Based on estimates for the next years, ATLCZ will show a very strong growth in Revenue. The Revenue will grow by 36.35% on average per year.
EPS Next Y24.88%
EPS Next 2Y36.66%
EPS Next 3Y33.96%
EPS Next 5YN/A
Revenue Next Year50.11%
Revenue Next 2Y55.43%
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.
ATLCZ Yearly Revenue VS EstimatesATLCZ Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1B 2B 3B
ATLCZ Yearly EPS VS EstimatesATLCZ Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 2 4 6 8 10

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Find the best growth stocksShow best growing peers

8

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 4.54, which indicates a rather cheap valuation of ATLCZ.
  • Compared to the rest of the industry, the Price/Earnings ratio of ATLCZ indicates a somewhat cheap valuation: ATLCZ is cheaper than 79.63% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.97, ATLCZ is valued rather cheaply.
  • ATLCZ is valuated cheaply with a Price/Forward Earnings ratio of 2.87.
  • Based on the Price/Forward Earnings ratio, ATLCZ is valued cheaply inside the industry as 92.59% of the companies are valued more expensively.
  • ATLCZ's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.96.
Industry RankSector Rank
PE 4.54
Fwd PE 2.87
ATLCZ Price Earnings VS Forward Price EarningsATLCZ Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, ATLCZ is valued a bit more expensive than the industry average as 61.11% of the companies are valued more cheaply.
  • Based on the Price/Free Cash Flow ratio, ATLCZ is valued cheaper than 92.59% of the companies in the same industry.
Industry RankSector Rank
P/FCF 0.79
EV/EBITDA 37.36
ATLCZ Per share dataATLCZ EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

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.
  • ATLCZ's earnings are expected to grow with 33.96% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.18
PEG (5Y)0.2
EPS Next 2Y36.66%
EPS Next 3Y33.96%

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

6

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 9.04%, ATLCZ is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 3.01, ATLCZ pays a better dividend. On top of this ATLCZ pays more dividend than 90.74% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.84, ATLCZ pays a better dividend.
Industry RankSector Rank
Dividend Yield 9.04%

5.2 History

  • On average, the dividend of ATLCZ grows each year by 29.87%, which is quite nice.
  • ATLCZ does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)29.87%
Div Incr Years0
Div Non Decr Years0
ATLCZ Yearly Dividends per shareATLCZ Yearly Dividends per shareYearly Dividends per share 2024 2025 0.5 1 1.5 2

5.3 Sustainability

  • ATLCZ pays out 15.33% of its income as dividend. This is a sustainable payout ratio.
  • ATLCZ'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 2Y36.66%
EPS Next 3Y33.96%
ATLCZ Yearly Income VS Free CF VS DividendATLCZ 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
ATLCZ Dividend Payout.ATLCZ Dividend Payout, showing the Payout Ratio.ATLCZ Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

ATLANTICUS HOLDINGS CORP - ATLC 9 1/4 01/31/29

NASDAQ:ATLCZ (2/13/2026, 8:00:01 PM)

25.58

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-10
Earnings (Next)03-11
Inst Owners23.48%
Inst Owner ChangeN/A
Ins Owners37.69%
Ins Owner ChangeN/A
Market Cap387.28M
Revenue(TTM)731.21M
Net Income(TTM)105.26M
Analysts85
Price Target45.49 (77.83%)
Short Float %0.1%
Short Ratio0.24
Dividend
Industry RankSector Rank
Dividend Yield 9.04%
Yearly Dividend1.74
Dividend Growth(5Y)29.87%
DP15.33%
Div Incr Years0
Div Non Decr Years0
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)39.73%
PT rev (3m)21.6%
EPS NQ rev (1m)-1.57%
EPS NQ rev (3m)-8.78%
EPS NY rev (1m)-0.58%
EPS NY rev (3m)-4.39%
Revenue NQ rev (1m)-1.34%
Revenue NQ rev (3m)6.72%
Revenue NY rev (1m)-0.2%
Revenue NY rev (3m)7.49%
Valuation
Industry RankSector Rank
PE 4.54
Fwd PE 2.87
P/S 0.53
P/FCF 0.79
P/OCF 0.78
P/B 0.62
P/tB 0.65
EV/EBITDA 37.36
EPS(TTM)5.63
EY22.01%
EPS(NY)8.91
Fwd EY34.82%
FCF(TTM)32.22
FCFY125.96%
OCF(TTM)32.65
OCFY127.64%
SpS48.3
BVpS41.57
TBVpS39.46
PEG (NY)0.18
PEG (5Y)0.2
Graham Number72.56
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 0.32
F-Score4
WACC6.7%
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 Y24.88%
EPS Next 2Y36.66%
EPS Next 3Y33.96%
EPS Next 5YN/A
Revenue 1Y (TTM)36.98%
Revenue growth 3Y2.98%
Revenue growth 5Y10.83%
Sales Q2Q%40.84%
Revenue Next Year50.11%
Revenue Next 2Y55.43%
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 9 1/4 01/31/29 / ATLCZ FAQ

Can you provide the ChartMill fundamental rating for ATLANTICUS HOLDINGS CORP - ATLC 9 1/4 01/31/29?

ChartMill assigns a fundamental rating of 6 / 10 to ATLCZ.


What is the valuation status for ATLCZ stock?

ChartMill assigns a valuation rating of 8 / 10 to ATLANTICUS HOLDINGS CORP - ATLC 9 1/4 01/31/29 (ATLCZ). This can be considered as Undervalued.


What is the profitability of ATLCZ stock?

ATLANTICUS HOLDINGS CORP - ATLC 9 1/4 01/31/29 (ATLCZ) has a profitability rating of 5 / 10.


What is the earnings growth outlook for ATLANTICUS HOLDINGS CORP - ATLC 9 1/4 01/31/29?

The Earnings per Share (EPS) of ATLANTICUS HOLDINGS CORP - ATLC 9 1/4 01/31/29 (ATLCZ) is expected to grow by 24.88% in the next year.


How sustainable is the dividend of ATLANTICUS HOLDINGS CORP - ATLC 9 1/4 01/31/29 (ATLCZ) stock?

The dividend rating of ATLANTICUS HOLDINGS CORP - ATLC 9 1/4 01/31/29 (ATLCZ) is 6 / 10 and the dividend payout ratio is 15.33%.