ATLANTICUS HOLDINGS CORP - ATLC 9 1/4 01/31/29 (ATLCZ) Stock Fundamental Analysis
NASDAQ:ATLCZ - US04914Y4098
25.53 USD
-0.06 (-0.23%)
We assign a fundamental rating of 6 out of 10 to ATLCZ. ATLCZ was compared to 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. ATLCZ has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare combination! Finally 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.
ATLCZ had positive earnings in each of the past 5 years.
In the past 5 years ATLCZ always reported a positive cash flow from operatings.
1.2 Ratios
ATLCZ has a better Return On Assets (2.90%) than 61.11% of its industry peers.
ATLCZ has a Return On Equity of 17.54%. This is in the better half of the industry: ATLCZ outperforms 68.52% of its industry peers.
With a Return On Invested Capital value of 3.72%, ATLCZ perfoms like the industry average, outperforming 55.56% 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 11.02%.
| 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
With a decent Profit Margin value of 16.01%, ATLCZ is doing good in the industry, outperforming 66.67% of the companies in the same industry.
ATLCZ's Profit Margin has improved in the last couple of years.
ATLCZ has a better Operating Margin (23.93%) than 75.93% of its industry peers.
In the last couple of years the Operating Margin of ATLCZ has grown nicely.
The Gross Margin of ATLCZ (51.81%) is comparable to the rest of the industry.
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
ATLCZ has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for ATLCZ has been increased compared to 1 year ago.
The number of shares outstanding for ATLCZ has been reduced compared to 5 years ago.
Compared to 1 year ago, ATLCZ has a worse debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 0.61, we must say that ATLCZ is in the distress zone and has some risk of bankruptcy.
ATLCZ has a Altman-Z score (0.61) which is in line with its industry peers.
ATLCZ has a debt to FCF ratio of 5.63. This is a neutral value as ATLCZ would need 5.63 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 5.63, ATLCZ is doing good in the industry, outperforming 66.67% of the companies in the same industry.
ATLCZ has a Debt/Equity ratio of 4.60. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of ATLCZ (4.60) is worse than 72.22% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.6 | ||
| Debt/FCF | 5.63 | ||
| Altman-Z | 0.61 |
ROIC/WACC0.56
WACC6.7%
2.3 Liquidity
ATLCZ has a Current Ratio of 1.39. 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 (1.39) is comparable to the rest of the industry.
A Quick Ratio of 1.39 indicates that ATLCZ should not have too much problems paying its short term obligations.
Looking at the Quick ratio, with a value of 1.39, ATLCZ is in line with its industry, outperforming 59.26% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.39 | ||
| Quick Ratio | 1.39 |
3. Growth
3.1 Past
ATLCZ shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 36.45%, which is quite impressive.
Measured over the past years, ATLCZ shows a very strong growth in Earnings Per Share. The EPS has been growing by 22.82% on average per year.
Looking at the last year, ATLCZ shows a very strong growth in Revenue. The Revenue has grown by 31.28%.
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)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
ATLCZ is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 37.21% yearly.
ATLCZ is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 20.16% yearly.
EPS Next Y29.8%
EPS Next 2Y28.97%
EPS Next 3Y37.21%
EPS Next 5YN/A
Revenue Next Year16.28%
Revenue Next 2Y14.09%
Revenue Next 3Y20.16%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 4.49 indicates a rather cheap valuation of ATLCZ.
Based on the Price/Earnings ratio, ATLCZ is valued cheaply inside the industry as 88.89% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 27.06, ATLCZ is valued rather cheaply.
The Price/Forward Earnings ratio is 3.22, which indicates a rather cheap valuation of ATLCZ.
Based on the Price/Forward Earnings ratio, ATLCZ is valued cheaply inside the industry as 94.44% 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 22.69.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.49 | ||
| Fwd PE | 3.22 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as ATLCZ.
Based on the Price/Free Cash Flow ratio, ATLCZ is valued cheaply inside the industry as 92.59% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.78 | ||
| EV/EBITDA | 17.25 |
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 has a very decent profitability rating, which may justify a higher PE ratio.
A more expensive valuation may be justified as ATLCZ's earnings are expected to grow with 37.21% in the coming years.
PEG (NY)0.15
PEG (5Y)0.2
EPS Next 2Y28.97%
EPS Next 3Y37.21%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 9.06%, ATLCZ is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.17, ATLCZ pays a better dividend. On top of this ATLCZ pays more dividend than 96.30% of the companies listed in the same industry.
ATLCZ's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.06% |
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
5.3 Sustainability
19.91% of the earnings are spent on dividend by ATLCZ. This is a low number and sustainable payout ratio.
ATLCZ's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP19.91%
EPS Next 2Y28.97%
EPS Next 3Y37.21%
ATLANTICUS HOLDINGS CORP - ATLC 9 1/4 01/31/29
NASDAQ:ATLCZ (9/5/2025, 8:00:01 PM)
25.53
-0.06 (-0.23%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners20.19%
Inst Owner ChangeN/A
Ins Owners37.61%
Ins Owner ChangeN/A
Market Cap386.27M
Analysts85
Price Target29.61 (15.98%)
Short Float %0.03%
Short Ratio0.05
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.06% |
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)-8.27%
PT rev (3m)-2.91%
EPS NQ rev (1m)9.04%
EPS NQ rev (3m)-3.81%
EPS NY rev (1m)3.46%
EPS NY rev (3m)-0.7%
Revenue NQ rev (1m)5.73%
Revenue NQ rev (3m)4.36%
Revenue NY rev (1m)4.01%
Revenue NY rev (3m)5.06%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.49 | ||
| Fwd PE | 3.22 | ||
| P/S | 0.58 | ||
| P/FCF | 0.78 | ||
| P/OCF | 0.77 | ||
| P/B | 0.64 | ||
| P/tB | 0.64 | ||
| EV/EBITDA | 17.25 |
EPS(TTM)5.69
EY22.29%
EPS(NY)7.93
Fwd EY31.08%
FCF(TTM)32.57
FCFY127.57%
OCF(TTM)33
OCFY129.24%
SpS43.68
BVpS39.88
TBVpS39.88
PEG (NY)0.15
PEG (5Y)0.2
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%
ROICexcg growth 3Y-33.18%
ROICexcg 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
WACC6.7%
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 Y29.8%
EPS Next 2Y28.97%
EPS Next 3Y37.21%
EPS Next 5YN/A
Revenue 1Y (TTM)31.28%
Revenue growth 3Y2.98%
Revenue growth 5Y10.83%
Sales Q2Q%24.73%
Revenue Next Year16.28%
Revenue Next 2Y14.09%
Revenue Next 3Y20.16%
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%