ATLANTICUS HOLDINGS CORP - ATLC 9 1/4 01/31/29 (ATLCZ) Stock Fundamental Analysis
USA - NASDAQ:ATLCZ - US04914Y4098
25.5 USD
+0.09 (+0.33%)
Taking everything into account, ATLCZ scores 6 out of 10 in our fundamental rating. ATLCZ was compared to 55 industry peers in the Consumer Finance industry. There are concerns on the financial health of ATLCZ while its profitability can be described as average. ATLCZ has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare combination! ATLCZ also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year ATLCZ was profitable.
In the past year ATLCZ had a positive cash flow from operations.
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.
1.2 Ratios
With a decent Return On Assets value of 2.90%, ATLCZ is doing good in the industry, outperforming 61.82% of the companies in the same industry.
Looking at the Return On Equity, with a value of 17.54%, ATLCZ is in the better half of the industry, outperforming 67.27% of the companies in the same industry.
With a Return On Invested Capital value of 3.72%, ATLCZ perfoms like the industry average, outperforming 54.55% of the companies in the same industry.
ATLCZ had an Average Return On Invested Capital over the past 3 years of 4.28%. This is significantly below the industry average of 10.97%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.9% | ||
| ROE | 17.54% | ||
| ROIC | 3.72% |
ROA(3y)3.39%
ROA(5y)4.91%
ROE(3y)17.73%
ROE(5y)25.03%
ROIC(3y)4.28%
ROIC(5y)6.32%
1.3 Margins
ATLCZ has a Profit Margin of 16.01%. This is in the better half of the industry: ATLCZ outperforms 67.27% of its industry peers.
In the last couple of years the Profit Margin of ATLCZ has grown nicely.
ATLCZ's Operating Margin of 23.93% is fine compared to the rest of the industry. ATLCZ outperforms 76.36% of its industry peers.
ATLCZ's Operating Margin has improved in the last couple of years.
ATLCZ has a Gross Margin (51.81%) which is in line with its industry peers.
ATLCZ's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 23.93% | ||
| PM (TTM) | 16.01% | ||
| GM | 51.81% |
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), ATLCZ is destroying value.
Compared to 1 year ago, ATLCZ has more shares outstanding
ATLCZ has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, ATLCZ has a worse debt to assets ratio.
2.2 Solvency
ATLCZ has an Altman-Z score of 0.61. This is a bad value and indicates that ATLCZ is not financially healthy and even has some risk of bankruptcy.
With a Altman-Z score value of 0.61, ATLCZ perfoms like the industry average, outperforming 50.91% of the companies in the same industry.
The Debt to FCF ratio of ATLCZ is 5.63, which is a neutral value as it means it would take ATLCZ, 5.63 years of fcf income to pay off all of its debts.
ATLCZ has a Debt to FCF ratio of 5.63. This is in the better half of the industry: ATLCZ outperforms 69.09% of its industry peers.
ATLCZ has a Debt/Equity ratio of 4.60. This is a high value indicating a heavy dependency on external financing.
ATLCZ's Debt to Equity ratio of 4.60 is on the low side compared to the rest of the industry. ATLCZ is outperformed by 70.91% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.6 | ||
| Debt/FCF | 5.63 | ||
| Altman-Z | 0.61 |
ROIC/WACC0.56
WACC6.69%
2.3 Liquidity
A Current Ratio of 1.39 indicates that ATLCZ should not have too much problems paying its short term obligations.
ATLCZ has a Current ratio (1.39) which is in line with its industry peers.
A Quick Ratio of 1.39 indicates that ATLCZ should not have too much problems paying its short term obligations.
ATLCZ has a Quick ratio (1.39) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.39 | ||
| Quick Ratio | 1.39 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 36.45% over the past year.
ATLCZ shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 22.82% yearly.
The Revenue has grown by 31.28% 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)36.45%
EPS 3Y-14.56%
EPS 5Y22.82%
EPS Q2Q%52.53%
Revenue 1Y (TTM)31.28%
Revenue growth 3Y2.98%
Revenue growth 5Y10.83%
Sales Q2Q%24.73%
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 38.87% on average per year.
The Revenue is expected to grow by 35.28% on average over the next years. This is a very strong growth
EPS Next Y30.57%
EPS Next 2Y32.31%
EPS Next 3Y38.87%
EPS Next 5YN/A
Revenue Next Year39.58%
Revenue Next 2Y37.57%
Revenue Next 3Y35.28%
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
With a Price/Earnings ratio of 4.48, the valuation of ATLCZ can be described as very cheap.
Based on the Price/Earnings ratio, ATLCZ is valued cheaper than 85.45% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.83, ATLCZ is valued rather cheaply.
ATLCZ is valuated cheaply with a Price/Forward Earnings ratio of 3.05.
92.73% of the companies in the same industry are more expensive than ATLCZ, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of ATLCZ to the average of the S&P500 Index (22.88), we can say ATLCZ is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.48 | ||
| Fwd PE | 3.05 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as ATLCZ.
92.73% of the companies in the same industry are more expensive than ATLCZ, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.78 | ||
| EV/EBITDA | 17.24 |
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.
The decent profitability rating of ATLCZ may justify a higher PE ratio.
ATLCZ's earnings are expected to grow with 38.87% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.15
PEG (5Y)0.2
EPS Next 2Y32.31%
EPS Next 3Y38.87%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 9.10%, ATLCZ is a good candidate for dividend investing.
ATLCZ's Dividend Yield is rather good when compared to the industry average which is at 4.52. ATLCZ pays more dividend than 96.36% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.30, ATLCZ pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.1% |
5.2 History
On average, the dividend of ATLCZ grows each year by 29.87%, which is quite nice.
ATLCZ is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)29.87%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
ATLCZ pays out 19.91% of its income as dividend. This is a sustainable payout ratio.
The dividend of ATLCZ is growing, but earnings are growing more, so the dividend growth is sustainable.
DP19.91%
EPS Next 2Y32.31%
EPS Next 3Y38.87%
ATLANTICUS HOLDINGS CORP - ATLC 9 1/4 01/31/29
NASDAQ:ATLCZ (10/28/2025, 8:00:01 PM)
25.5
+0.09 (+0.33%)
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 Cap385.81M
Revenue(TTM)660.87M
Net Income(TTM)105.81M
Analysts85
Price Target34.96 (37.1%)
Short Float %0.11%
Short Ratio0.18
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.1% |
Yearly Dividend1.74
Dividend Growth(5Y)29.87%
DP19.91%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)9.54%
Min EPS beat(2)-1.55%
Max EPS beat(2)20.63%
EPS beat(4)3
Avg EPS beat(4)7.37%
Min EPS beat(4)-1.55%
Max EPS beat(4)20.63%
EPS beat(8)6
Avg EPS beat(8)6.18%
EPS beat(12)9
Avg EPS beat(12)5.62%
EPS beat(16)10
Avg EPS beat(16)7.59%
Revenue beat(2)1
Avg Revenue beat(2)2.77%
Min Revenue beat(2)-2.55%
Max Revenue beat(2)8.09%
Revenue beat(4)2
Avg Revenue beat(4)2.14%
Min Revenue beat(4)-2.55%
Max Revenue beat(4)8.09%
Revenue beat(8)2
Avg Revenue beat(8)-0.66%
Revenue beat(12)3
Avg Revenue beat(12)-11%
Revenue beat(16)3
Avg Revenue beat(16)-17.82%
PT rev (1m)25.27%
PT rev (3m)8.29%
EPS NQ rev (1m)3.65%
EPS NQ rev (3m)15.02%
EPS NY rev (1m)0.13%
EPS NY rev (3m)4.07%
Revenue NQ rev (1m)19.84%
Revenue NQ rev (3m)28.75%
Revenue NY rev (1m)18.74%
Revenue NY rev (3m)25.18%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.48 | ||
| Fwd PE | 3.05 | ||
| P/S | 0.58 | ||
| P/FCF | 0.78 | ||
| P/OCF | 0.77 | ||
| P/B | 0.64 | ||
| P/tB | 0.64 | ||
| EV/EBITDA | 17.24 |
EPS(TTM)5.69
EY22.31%
EPS(NY)8.35
Fwd EY32.74%
FCF(TTM)32.57
FCFY127.72%
OCF(TTM)33
OCFY129.4%
SpS43.68
BVpS39.88
TBVpS39.88
PEG (NY)0.15
PEG (5Y)0.2
Graham Number71.45
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.9% | ||
| ROE | 17.54% | ||
| ROCE | 4.69% | ||
| ROIC | 3.72% | ||
| ROICexc | 4.12% | ||
| ROICexgc | 4.12% | ||
| OM | 23.93% | ||
| PM (TTM) | 16.01% | ||
| GM | 51.81% | ||
| FCFM | 74.56% |
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-Score6
Asset Turnover0.18
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.6 | ||
| Debt/FCF | 5.63 | ||
| Debt/EBITDA | 16.9 | ||
| Cap/Depr | 108.54% | ||
| Cap/Sales | 0.98% | ||
| Interest Coverage | 0.93 | ||
| Cash Conversion | 304.15% | ||
| Profit Quality | 465.67% | ||
| Current Ratio | 1.39 | ||
| Quick Ratio | 1.39 | ||
| Altman-Z | 0.61 |
F-Score6
WACC6.69%
ROIC/WACC0.56
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)36.45%
EPS 3Y-14.56%
EPS 5Y22.82%
EPS Q2Q%52.53%
EPS Next Y30.57%
EPS Next 2Y32.31%
EPS Next 3Y38.87%
EPS Next 5YN/A
Revenue 1Y (TTM)31.28%
Revenue growth 3Y2.98%
Revenue growth 5Y10.83%
Sales Q2Q%24.73%
Revenue Next Year39.58%
Revenue Next 2Y37.57%
Revenue Next 3Y35.28%
Revenue Next 5YN/A
EBIT growth 1Y27.63%
EBIT growth 3Y-17.74%
EBIT growth 5Y34.23%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y24.68%
FCF growth 3Y31.57%
FCF growth 5Y36.22%
OCF growth 1Y23.79%
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 of ATLANTICUS HOLDINGS CORP - ATLC 9 1/4 01/31/29 (ATLCZ) stock?
ChartMill assigns a valuation rating of 9 / 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 6 / 10.
Can you provide the PE and PB ratios for ATLCZ stock?
The Price/Earnings (PE) ratio for ATLANTICUS HOLDINGS CORP - ATLC 9 1/4 01/31/29 (ATLCZ) is 4.48 and the Price/Book (PB) ratio is 0.64.
Can you provide the expected EPS growth for ATLCZ stock?
The Earnings per Share (EPS) of ATLANTICUS HOLDINGS CORP - ATLC 9 1/4 01/31/29 (ATLCZ) is expected to grow by 30.57% in the next year.