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

NASDAQ:ATLCZ • US04914Y4098

25.59 USD
+0.08 (+0.31%)
Last: Mar 13, 2026, 11:47 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

Fundamental Rating

6

Overall ATLCZ gets a fundamental rating of 6 out of 10. We evaluated ATLCZ against 54 industry peers in the Consumer Finance industry. There are concerns on the financial health of ATLCZ while its profitability can be described as average. 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. ATLCZ Profitability Analysis

1.1 Basic Checks

  • ATLCZ had positive earnings in the past year.
  • ATLCZ had a positive operating cash flow in the past year.
  • Each year in the past 5 years ATLCZ has been profitable.
  • Each year in the past 5 years ATLCZ had a positive operating cash flow.
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

  • ATLCZ has a Return On Assets of 1.49%. This is in the lower half of the industry: ATLCZ underperforms 62.96% of its industry peers.
  • ATLCZ has a Return On Equity of 16.73%. This is in the better half of the industry: ATLCZ outperforms 61.11% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 1.83%, ATLCZ is in line with its industry, outperforming 48.15% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for ATLCZ 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%
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 of 14.39%. This is comparable to the rest of the industry: ATLCZ outperforms 57.41% of its industry peers.
  • ATLCZ's Profit Margin has improved in the last couple of years.
  • ATLCZ has a Operating Margin of 20.97%. This is in the better half of the industry: ATLCZ outperforms 68.52% of its industry peers.
  • In the last couple of years the Operating Margin of ATLCZ has grown nicely.
  • The Gross Margin of ATLCZ (50.44%) is comparable to the rest of the 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. ATLCZ Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so ATLCZ is destroying value.
  • ATLCZ has more shares outstanding than it did 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.
  • The Debt to FCF ratio of ATLCZ is 12.37, which is on the high side as it means it would take ATLCZ, 12.37 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 12.37, ATLCZ is in line with its industry, outperforming 53.70% of the companies in the same industry.
  • A Debt/Equity ratio of 9.59 is on the high side and indicates that ATLCZ has dependencies on debt financing.
  • ATLCZ has a worse Debt to Equity ratio (9.59) than 83.33% of its industry peers.
Industry RankSector Rank
Debt/Equity 9.59
Debt/FCF 12.37
Altman-Z 0.32
ROIC/WACC0.27
WACC6.72%
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.
  • The Current ratio of ATLCZ (1.15) is comparable to the rest of the industry.
  • 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 has a Quick ratio of 1.15. This is comparable to the rest of the industry: ATLCZ outperforms 50.00% 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. ATLCZ Growth Analysis

3.1 Past

  • ATLCZ 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
  • The Revenue has grown by 36.98% in the past year. This is a very strong growth!
  • ATLCZ shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.83% yearly.
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, ATLCZ will show a very strong growth in Earnings Per Share. The EPS will grow by 33.96% on average per year.
  • ATLCZ is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 36.35% yearly.
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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8

4. ATLCZ Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 4.55, which indicates a rather cheap valuation of ATLCZ.
  • ATLCZ's Price/Earnings ratio is a bit cheaper when compared to the industry. ATLCZ is cheaper than 77.78% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 25.71. ATLCZ is valued rather cheaply when compared to this.
  • The Price/Forward Earnings ratio is 2.87, which indicates a rather cheap valuation of ATLCZ.
  • 92.59% of the companies in the same industry are more expensive than ATLCZ, based on the Price/Forward Earnings ratio.
  • ATLCZ's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.82.
Industry RankSector Rank
PE 4.55
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 61.11% of the companies in the same industry.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of ATLCZ indicates a rather cheap valuation: ATLCZ is cheaper than 92.59% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 0.79
EV/EBITDA 37.35
ATLCZ Per share dataATLCZ EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

  • ATLCZ's 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. ATLCZ Dividend Analysis

5.1 Amount

  • ATLCZ has a Yearly Dividend Yield of 9.02%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.82, 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 1.82, ATLCZ pays a better dividend.
Industry RankSector Rank
Dividend Yield 9.02%

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.
  • The dividend of ATLCZ is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP15.33%
EPS Next 2Y36.66%
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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ATLCZ Fundamentals: All Metrics, Ratios and Statistics

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

NASDAQ:ATLCZ (3/13/2026, 11:47:21 AM)

25.59

+0.08 (+0.31%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-10
Earnings (Next)03-18
Inst Owners24.86%
Inst Owner ChangeN/A
Ins Owners37.71%
Ins Owner ChangeN/A
Market Cap387.43M
Revenue(TTM)731.21M
Net Income(TTM)105.26M
Analysts87.27
Price Target45.51 (77.84%)
Short Float %0.47%
Short Ratio1.28
Dividend
Industry RankSector Rank
Dividend Yield 9.02%
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)0.04%
PT rev (3m)22.31%
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 4.55
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 37.35
EPS(TTM)5.63
EY22%
EPS(NY)8.91
Fwd EY34.81%
FCF(TTM)32.22
FCFY125.92%
OCF(TTM)32.65
OCFY127.59%
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
WACC6.72%
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%.