Also trades as: ATLCP (NASDAQ) · $vol 0M

$88.28

+0.89 (+1.02%)

Weekly Expected Move ±5.8%

$76 $81 $86 $91 $96

NASDAQ · Financial Services · Financial - Credit Services · Tech Score Sell · Power 44 · $1.3B mcap · 10M float · 1.56% daily turnover · Short 60% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: $45.3M held by 51 funds, 500 bp over Treasuries → details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
Bond figures are fund-reported marks (SEC N-PORT) as of Jul 2026. How these are computed.

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

WEAK EDGE

41.0 / 100

NoneWeakNarrowWide

Primary source: Intangible Assets · ROIC: 3.5% · 5Y Avg: 12.7%

Cost Advantage

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. ATLC shows a Weak competitive edge (41.0/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Intangible Assets. ROIC of 3.5% suggests modest returns relative to capital deployed.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

Low

$136

Avg Target

$136

High

Based on 5 analyst ratings (12 mo)

Analyst Recommendations

Strong Buy: 0Buy: 6Hold: 1Sell: 0Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$136.40

Analysts5

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-07-13	Capital One Financial	—	Initiated	$144	—	+45.1%	$99.26
2026-07-13	HSBC	—	Initiated	$144	—	+45.1%	$99.26
2026-07-08	Jefferies	—	Initiated	$115	—	+18.1%	$97.38
2026-06-30	BTIG	Vincent Caintic	$45	$179	+134	+71.7%	$104.27
2026-06-10	William Blair	—	Initiated	$100	—	+12.9%	$88.59
2025-09-18	JMP Securities	—	$42	$95	+53	+30.8%	$72.64
2024-06-06	BTIG	Vincent Caintic	Initiated	$45	—	+70.2%	$26.44
2023-01-13	JMP Securities	—	$60	$42	-18	+39.4%	$30.13
2022-07-15	JMP Securities	—	Initiated	$60	—	+50.4%	$39.89

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

B+

Oct 27, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. ATLC receives an overall rating of B+. Strongest factors: DCF (4/5), ROE (5/5), ROA (4/5). Areas of concern: D/E (1/5), P/B (2/5).

Rating Change History

Date	From	To
2026-10-12	A-	B+
2026-10-01	B+	A-
2026-08-07	A-	B+
2026-05-11	B	A-
2026-05-08	B+	B
2026-05-04	A-	B+
2026-04-16	A	A-
2026-04-01	B+	A
2026-03-16	B	B+
2026-03-13	C-	B

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 62 Grade C

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

100

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. ATLC scores highest in Momentum (100/100) and lowest in Balance Sheet (25/100). A grade of C represents mixed fundamentals — strengths in some areas offset by weaknesses.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman-B Score

3.18

Safe Zone

Piotroski F-Score

7/9

✓ ✓ ✗ ✓ ✗ ✓ ✓ ✓ ✓

Beneish M-Score

-0.22

Possible Manipulator

Ohlson O-Score

-5.61

Bankruptcy prob: 0.4%

Low Risk

Credit Rating

A+

Score: 75.6/100

Trend: Deteriorating

Earnings Quality

75/100

OCF/NI: 6.08x

Accruals: -14.1%

The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. ATLC scores 3.18, placing it in the Safe Zone (safe > 3.0, distress < 1.5). Bankruptcy is statistically unlikely within the next two years. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. ATLC scores 7/9, signaling strong financial health across all three dimensions. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. ATLC's score of -0.22 exceeds the −1.78 red flag threshold — this does not confirm manipulation but indicates the earnings profile resembles past manipulators statistically. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. ATLC's implied 0.4% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. ATLC receives an estimated rating of A+ (score: 75.6/100), with a deteriorating trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). ATLC's score of 75/100 is high — cash flows strongly support reported earnings.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

9.20x

PEG

0.26x

P/S

0.81x

P/B

1.80x

P/FCF

2.09x

P/OCF

2.09x

EV/EBITDA

24.51x

EV/Revenue

4.59x

EV/EBIT

25.91x

EV/FCF

8.13x

Earnings Yield

7.85%

FCF Yield

47.73%

Shareholder Yield

1.50%

Graham Number

$83.56

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 9.2x earnings, ATLC trades at a deep value multiple. An earnings yield of 7.8% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $83.56 per share, 6% below the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.757

NI / EBT

Interest Burden

0.693

EBT / EBIT

EBIT Margin

0.177

EBIT / Rev

Asset Turnover

0.298

Rev / Assets

Equity Multiplier

8.531

Assets / Equity

ROE

23.6%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. ATLC's ROE of 23.6% is driven by financial leverage (equity multiplier: 8.53x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Two adjustments we make, and why. Growth is capped at 15%. Graham defined g as expected growth over the next seven to ten years, not last year's rate. Across US companies since 1994 the median realized 7-year EPS growth is 5–8% regardless of how fast a company grew beforehand, and of 4,457 company-quarters that grew faster than 200%, none sustained it. Uncapped, the formula assigned fair multiples in the hundreds to companies that had never held that rate — and scored worse than simply reading the P/E. Capped, it carries real information. The verdict has three states, not two. Tested over 377,249 stock-months, this ratio only separates outcomes at its extremes: below 0.25 beat the universe by 1.3 points a year, above 3.0 lagged by 2.7, and everything in between sat inside a one-point band. Rather than call two-thirds of the market "undervalued" on a threshold of 1.0, we say Neutral where the model cannot tell — which is most of the time.

Adj. Growth Rate

12.16%

Fair P/E

32.81x

Intrinsic Value

$263.37

Price/Value

0.39x

Margin of Safety

61.18%

Premium

-61.18%

Assessment

Neutral

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with ATLC's realized 12.2% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. ATLC trades at a -61% premium to its adjusted intrinsic value of $263.37, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 32.8x compares to the current market P/E of 9.2x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$88.28

Median 1Y

$102.99

5th Pctile

$37.20

95th Pctile

$289.56

Ann. Volatility

67.1%

25th–75th percentile 5th–95th percentile Median path Historical

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
David G. Hanna Executive Chairman of the Board	$600,000	$—	$2,631,015
Jeffrey A. Howard President and Chief Executive Officer	$850,000	$238,503	$2,099,003
William R. McCamey Chief Financial Officer	$750,000	$166,814	$1,677,314

CEO Pay Ratio

7:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $2,099,003

Avg Employee Cost (SGA/emp): $317,425

Employees: 576

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

576

+38.1% YoY

Revenue / Employee

$3,417,292

Rev: $1,968,360,000

Profit / Employee

$212,160

NI: $122,204,000

SGA / Employee

$317,425

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
ROE	96.9%	97.4%	91.1%	69.4%	56.7%	44.1%	37.6%	33.0%	29.4%	28.5%	27.0%	24.4%	25.5%	25.1%	24.6%	23.7%	21.8%	21.4%	22.1%	23.6%	23.60%
ROA	12.3%	11.3%	11.5%	10.0%	8.7%	6.3%	5.4%	4.7%	4.1%	4.0%	4.0%	3.9%	3.8%	3.7%	3.9%	3.8%	2.3%	2.2%	2.5%	2.8%	2.77%
ROIC	14.0%	13.6%	13.6%	11.2%	9.7%	7.7%	6.7%	5.8%	5.0%	4.9%	5.0%	4.7%	4.3%	4.2%	4.3%	4.0%	1.9%	1.9%	3.6%	3.5%	3.47%
ROCE	13.0%	11.5%	11.0%	9.7%	8.3%	6.4%	6.2%	5.6%	5.0%	4.9%	4.7%	14.7%	4.3%	4.3%	4.6%	4.5%	2.2%	9.8%	4.1%	3.9%	3.94%
Gross Margin	82.8%	77.5%	82.9%	80.8%	75.6%	70.4%	71.3%	72.5%	68.4%	66.2%	63.7%	61.1%	60.5%	61.2%	63.9%	61.6%	56.9%	48.5%	92.3%	95.1%	95.05%
Operating Margin	45.9%	51.2%	36.7%	42.8%	43.9%	35.9%	39.2%	35.9%	34.8%	31.2%	31.3%	28.0%	31.2%	29.9%	30.3%	28.0%	18.2%	18.7%	26.7%	6.1%	6.07%
Net Margin	37.3%	40.6%	43.9%	34.2%	36.4%	28.9%	30.2%	28.1%	27.7%	26.7%	25.0%	23.8%	24.7%	23.5%	23.4%	21.3%	14.0%	14.2%	6.5%	9.0%	9.03%
EBITDA Margin	44.9%	52.9%	38.6%	44.3%	44.7%	36.8%	40.2%	36.8%	36.0%	32.5%	32.5%	29.2%	32.3%	30.9%	31.5%	29.2%	19.6%	20.3%	27.3%	7.3%	7.26%
FCF Margin	48.7%	46.6%	52.5%	53.1%	76.4%	91.1%	1.0%	1.1%	1.2%	1.2%	1.2%	1.2%	1.1%	1.0%	97.6%	92.9%	82.7%	89.8%	63.2%	56.5%	56.53%
OCF Margin	48.7%	46.7%	52.5%	53.2%	76.7%	92.4%	1.0%	1.2%	1.2%	1.3%	1.2%	1.2%	1.1%	1.0%	98.5%	94.1%	83.8%	90.6%	63.4%	56.6%	56.56%
ROE 3Y Avg	snapshot only																				21.37%
ROE 5Y Avg	snapshot only																				30.89%
ROA 3Y Avg	snapshot only																				3.01%
ROIC 3Y Avg	snapshot only																				5.43%
ROIC Economic	snapshot only																				3.16%
Cash ROA	snapshot only																				12.51%
Cash ROIC	snapshot only																				14.66%
CROIC	snapshot only																				14.65%
NOPAT Margin	snapshot only																				13.37%
Pretax Margin	snapshot only																				12.29%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				1.45%
SBC / Revenue	snapshot only																				0.40%

Valuation

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
P/E Ratio	7.16	8.36	5.81	3.89	3.09	3.60	4.41	7.38	5.70	7.03	5.39	5.20	6.21	9.49	8.31	8.54	9.50	10.51	7.47	12.74	9.196
P/S Ratio	2.64	3.28	2.28	1.52	1.20	1.31	1.44	2.29	1.64	1.98	1.44	1.34	1.55	2.30	1.98	1.98	1.90	1.82	0.81	1.18	0.808
P/B Ratio	4.21	5.16	3.79	2.36	1.62	1.50	1.49	2.19	1.52	1.83	1.33	1.12	1.44	2.14	1.82	1.86	1.79	1.98	1.46	2.64	1.800
P/FCF	5.42	7.02	4.33	2.86	1.58	1.43	1.43	2.02	1.37	1.59	1.17	1.10	1.38	2.26	2.03	2.13	2.30	2.03	1.27	2.09	2.095
P/OCF	5.41	7.02	4.33	2.86	1.57	1.41	1.40	1.97	1.34	1.57	1.16	1.10	1.38	2.25	2.01	2.10	2.27	2.01	1.27	2.09	2.094
EV/EBITDA	10.21	11.28	9.95	9.56	9.83	12.47	12.74	16.51	16.55	18.18	16.63	17.25	19.76	22.16	20.48	21.44	42.11	41.62	20.99	24.51	24.513
EV/Revenue	4.64	5.52	4.56	4.35	4.47	5.13	5.31	6.55	6.20	6.59	5.71	5.60	6.26	6.93	6.37	6.63	11.45	10.02	5.25	4.59	4.594
EV/EBIT	10.34	11.40	10.13	9.76	10.16	12.87	13.07	16.89	17.00	18.75	17.21	17.93	20.53	22.99	21.26	22.25	44.08	44.20	21.82	25.91	25.911
EV/FCF	9.52	11.83	8.68	8.20	5.85	5.63	5.30	5.78	5.17	5.29	4.61	4.59	5.54	6.81	6.52	7.14	13.86	11.15	8.30	8.13	8.128
Earnings Yield	14.0%	12.0%	17.2%	25.7%	32.4%	27.7%	22.7%	13.5%	17.5%	14.2%	18.6%	19.2%	16.1%	10.5%	12.0%	11.7%	10.5%	9.5%	13.4%	7.8%	7.85%
FCF Yield	18.5%	14.2%	23.1%	34.9%	63.5%	69.8%	69.8%	49.6%	73.2%	63.0%	85.8%	91.3%	72.7%	44.3%	49.3%	46.9%	43.4%	49.3%	78.5%	47.7%	47.73%
PEG Ratio	snapshot only																				0.257
Price/Tangible Book	snapshot only																				2.737
EV/OCF	snapshot only																				8.123
EV/Gross Profit	snapshot only																				5.544
Acquirers Multiple	snapshot only																				25.911
Shareholder Yield	snapshot only																				1.50%
Graham Number	snapshot only																				$83.56

Leverage & Solvency

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Current Ratio	4.69	10.06	7.70	7.33	8.79	9.30	9.95	7.76	7.38	5.51	7.52	0.20	5.18	5.21	4.32	2.92	6.19	0.13	10.25	14.90	14.897
Quick Ratio	4.69	10.06	7.70	7.33	8.79	9.30	9.95	7.76	7.38	5.51	7.52	0.20	5.18	5.21	4.32	2.92	6.19	0.13	10.25	14.90	14.897
Debt/Equity	3.82	4.95	5.16	5.49	5.56	5.57	5.14	5.04	5.18	5.13	5.00	4.43	5.04	5.08	4.69	4.97	9.63	10.09	9.23	8.48	8.485
Net Debt/Equity	3.19	3.53	3.80	4.40	4.41	4.39	4.01	4.09	4.24	4.27	3.93	3.57	4.36	4.32	4.03	4.38	8.96	8.90	8.06	7.61	7.615
Debt/Assets	0.68	0.73	0.74	0.75	0.76	0.76	0.75	0.75	0.75	0.75	0.75	0.74	0.76	0.77	0.76	0.77	0.86	0.86	0.85	0.84	0.840
Debt/EBITDA	5.28	6.42	6.77	7.76	9.06	11.79	11.90	13.23	14.89	15.28	15.80	16.30	17.15	17.43	16.42	17.05	37.75	38.57	20.34	20.27	20.272
Net Debt/EBITDA	4.40	4.58	4.98	6.22	7.19	9.30	9.30	10.75	12.18	12.72	12.42	13.14	14.85	14.81	14.12	15.04	35.11	34.05	17.77	18.19	18.195
Interest Coverage	3.65	4.06	3.47	3.12	2.48	1.82	1.64	1.44	1.27	1.18	1.06	0.93	0.87	0.87	0.85	0.84	0.69	0.53	0.80	0.66	0.657
Equity Multiplier	5.65	6.75	7.01	7.29	7.33	7.32	6.86	6.76	6.89	6.86	6.70	5.99	6.64	6.64	6.14	6.47	11.25	11.75	10.84	10.10	10.098
Cash Ratio	snapshot only																				14.897
Debt Service Coverage	snapshot only																				0.695
Cash to Debt	snapshot only																				0.102
FCF to Debt	snapshot only																				0.149
Defensive Interval	snapshot only																				218.2 days

Efficiency & Turnover

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Asset Turnover	0.33	0.29	0.29	0.26	0.22	0.17	0.17	0.15	0.14	0.14	0.15	0.15	0.15	0.15	0.16	0.16	0.12	0.13	0.23	0.30	0.298
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Payables Turnover	2.70	2.16	1.99	2.01	2.10	1.92	1.95	2.03	2.24	2.10	2.46	2.37	2.93	2.64	2.67	2.21	1.49	1.73	7.68	5.03	5.033
DSO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	135	169	183	182	174	190	187	180	163	173	148	154	124	138	137	165	246	211	47	73	72.5 days
Cash Conversion Cycle	-135	-169	-183	-182	-174	-190	-187	-180	-163	-173	-148	-154	-124	-138	-137	-165	-246	-211	-47	-73	-72.5 days
Fixed Asset Turnover	snapshot only																				66.927
Cash Velocity	snapshot only																				2.568
Capital Intensity	snapshot only																				4.522

Growth (YoY)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue	-4.1%	16.9%	20.6%	15.8%	-1.2%	-17.5%	-21.4%	-22.7%	-15.5%	-2.3%	6.9%	13.7%	21.3%	25.7%	27.6%	33.9%	39.0%	53.3%	1.6%	2.1%	2.12%
Net Income	1.2%	89.0%	34.7%	20.1%	4.5%	-23.8%	-34.7%	-38.7%	-37.8%	-24.2%	-12.0%	-5.4%	5.7%	8.2%	13.5%	20.5%	11.4%	9.8%	15.6%	25.3%	25.27%
EPS	1.1%	89.8%	40.6%	29.7%	14.5%	-14.8%	-31.0%	-37.0%	-37.4%	-24.3%	-10.8%	-4.7%	6.3%	6.8%	12.2%	18.2%	9.2%	8.4%	14.1%	25.3%	25.27%
FCF	15.6%	-0.1%	4.3%	-5.5%	55.1%	61.2%	50.0%	65.2%	32.5%	33.4%	32.1%	22.4%	14.2%	2.7%	0.6%	1.9%	1.8%	35.3%	65.3%	90.0%	89.97%
EBITDA	1.1%	81.5%	25.6%	11.4%	-1.0%	-30.6%	-28.5%	-32.6%	-30.4%	-14.0%	-11.9%	-6.9%	2.5%	8.4%	15.5%	27.5%	19.4%	18.0%	1.1%	89.2%	89.17%
Op. Income	1.2%	91.9%	28.8%	12.7%	-3.0%	-32.0%	-29.1%	-32.7%	-30.0%	-13.9%	-12.6%	-8.4%	1.4%	7.8%	15.2%	27.7%	18.5%	15.3%	1.0%	85.7%	85.72%
OCF Growth	snapshot only																				87.69%
Asset Growth	snapshot only																				1.06%
Equity Growth	snapshot only																				31.70%
Debt Growth	snapshot only																				1.25%
Shares Change	snapshot only																				0.00%
Dividend Growth	snapshot only																				-56.25%

Growth (CAGR)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue 3Y	43.9%	33.6%	26.7%	17.8%	6.7%	-2.3%	-6.8%	-8.2%	-7.1%	-2.0%	0.4%	0.6%	0.4%	0.4%	2.4%	5.6%	12.5%	23.5%	51.6%	68.1%	68.14%
Revenue 5Y	39.0%	43.0%	41.6%	40.3%	35.3%	29.9%	26.2%	22.9%	20.0%	13.9%	11.3%	7.5%	4.5%	2.8%	2.0%	3.4%	6.2%	12.7%	27.0%	33.6%	33.60%
EPS 3Y	—	1.5%	93.0%	96.1%	41.4%	74.8%	66.0%	38.0%	15.3%	7.0%	-4.7%	-8.0%	-8.7%	-11.7%	-11.6%	-10.8%	-10.1%	-4.3%	4.5%	12.2%	12.16%
EPS 5Y	—	—	—	—	—	—	—	—	—	59.4%	34.7%	35.3%	13.5%	34.0%	35.6%	24.2%	12.2%	7.2%	2.1%	2.9%	2.87%
Net Income 3Y	—	1.8%	1.1%	1.1%	50.9%	72.4%	64.7%	34.8%	12.9%	3.0%	-8.2%	-11.4%	-11.7%	-14.5%	-13.3%	-11.3%	-9.9%	-3.4%	4.9%	12.6%	12.60%
Net Income 5Y	—	—	—	—	—	—	—	—	—	67.3%	41.3%	41.7%	17.7%	33.3%	34.9%	22.8%	11.1%	5.4%	0.3%	1.0%	1.01%
EBITDA 3Y	—	2.7%	1.3%	1.0%	47.0%	57.5%	54.7%	31.3%	12.2%	2.7%	-7.5%	-11.2%	-11.0%	-13.5%	-10.0%	-7.2%	-5.2%	3.2%	27.8%	30.9%	30.93%
EBITDA 5Y	97.1%	—	—	—	—	—	—	—	—	97.0%	51.6%	38.7%	17.8%	29.5%	30.4%	21.9%	11.6%	6.8%	13.4%	11.0%	11.02%
Gross Profit 3Y	2.1%	90.3%	76.2%	65.2%	43.1%	42.3%	35.5%	24.5%	13.9%	8.7%	0.8%	-3.2%	-6.1%	-8.0%	-6.1%	-3.5%	2.9%	10.8%	51.8%	75.8%	75.81%
Gross Profit 5Y	49.8%	72.1%	72.2%	89.5%	84.3%	1.2%	—	95.2%	88.7%	37.0%	31.2%	25.9%	18.9%	22.8%	22.9%	20.2%	16.4%	14.9%	30.0%	37.1%	37.11%
Op. Income 3Y	—	3.0%	1.5%	1.1%	50.7%	67.5%	64.9%	36.5%	14.5%	4.0%	-7.2%	-11.4%	-11.7%	-14.2%	-10.6%	-7.7%	-5.6%	2.3%	27.3%	29.5%	29.52%
Op. Income 5Y	—	—	—	—	—	—	—	—	—	1.1%	55.6%	42.9%	19.4%	34.3%	35.2%	24.4%	12.5%	6.9%	13.5%	10.5%	10.49%
FCF 3Y	—	72.2%	43.2%	50.2%	40.9%	50.7%	50.9%	40.2%	33.4%	29.0%	27.4%	24.1%	32.9%	30.2%	25.9%	27.2%	15.5%	22.9%	30.0%	33.3%	33.31%
FCF 5Y	44.5%	40.5%	49.3%	45.7%	1.8%	—	—	—	—	61.5%	42.2%	46.9%	33.4%	36.2%	35.5%	28.0%	22.5%	24.5%	28.0%	29.9%	29.90%
OCF 3Y	—	70.3%	42.4%	49.4%	40.5%	51.3%	51.8%	40.9%	34.0%	29.2%	27.4%	24.1%	32.9%	30.4%	26.2%	27.7%	15.8%	22.6%	29.3%	32.4%	32.44%
OCF 5Y	44.2%	40.3%	49.0%	45.6%	1.7%	—	—	—	—	60.7%	41.8%	46.4%	33.1%	36.3%	35.7%	28.2%	22.7%	24.6%	28.0%	29.9%	29.90%
Assets 3Y	47.6%	49.4%	44.6%	43.9%	41.7%	36.6%	34.7%	37.5%	35.6%	30.9%	32.5%	26.0%	27.0%	18.9%	19.4%	19.8%	46.5%	47.2%	46.5%	45.1%	45.05%
Assets 5Y	34.6%	39.9%	38.9%	39.6%	39.3%	41.2%	40.6%	39.9%	41.3%	36.0%	34.4%	31.9%	30.9%	28.4%	27.5%	31.0%	46.7%	44.6%	44.1%	39.5%	39.47%
Equity 3Y	—	—	—	—	3.8%	6.1%	3.7%	1.5%	88.3%	72.2%	51.9%	29.7%	20.3%	19.6%	24.8%	24.7%	27.0%	25.7%	25.7%	26.9%	26.86%
Book Value 3Y	—	—	—	—	3.5%	6.2%	3.7%	1.6%	92.3%	78.8%	57.7%	34.6%	24.5%	23.5%	27.2%	25.4%	26.6%	24.5%	25.3%	26.4%	26.36%
Dividend 3Y	15.2%	4.3%	0.4%	0.6%	0.2%	5.8%	3.5%	2.4%	2.3%	4.0%	3.6%	4.0%	5.0%	4.4%	2.2%	-5.0%	-14.9%	-22.3%	-28.9%	-24.4%	-24.39%

Growth Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue Stability	0.88	0.91	0.85	0.84	0.77	0.62	0.48	0.43	0.41	0.44	0.45	0.35	0.22	0.01	0.00	0.03	0.22	0.52	0.49	0.48	0.484
Earnings Stability	0.76	0.81	0.84	0.90	0.93	0.88	0.78	0.73	0.65	0.54	0.40	0.33	0.22	0.19	0.10	0.05	0.00	0.03	0.15	0.06	0.056
Margin Stability	0.38	0.47	0.45	0.38	0.43	0.32	0.28	0.38	0.43	0.64	0.69	0.68	0.71	0.65	0.64	0.68	0.75	0.83	0.92	0.88	0.884
Rev. Growth Consistency	0.00	0.50	0.50	0.50	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.000
Earn. Growth Consistency	1.00	1.00	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.000
FCF Positive Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.50	0.50	0.86	0.92	0.98	0.90	0.86	0.85	0.85	0.90	0.95	0.98	0.98	0.97	0.95	0.92	0.95	0.96	0.94	0.90	0.899
Earnings Smoothness	0.24	0.38	0.70	0.82	0.96	0.73	0.58	0.52	0.53	0.73	0.87	0.94	0.94	0.92	0.87	0.81	0.89	0.91	0.86	0.78	0.776
ROE Trend	-8.44	-14.58	-3.77	-0.73	-0.39	-0.50	-0.55	-0.34	-0.29	-0.26	-0.25	-0.24	-0.16	-0.11	-0.07	-0.04	-0.06	-0.05	-0.04	-0.01	-0.009
Gross Margin Trend	0.41	0.42	0.34	0.30	0.22	0.12	0.01	-0.04	-0.07	-0.09	-0.10	-0.12	-0.12	-0.12	-0.09	-0.07	-0.06	-0.09	0.10	0.20	0.196
FCF Margin Trend	0.12	0.07	0.10	0.05	0.32	0.41	0.44	0.54	0.57	0.56	0.48	0.39	0.15	-0.06	-0.14	-0.25	-0.34	-0.23	-0.48	-0.51	-0.509
Sustainable Growth Rate	84.2%	85.5%	79.3%	59.6%	48.0%	36.1%	29.6%	25.4%	22.1%	21.6%	20.4%	18.4%	19.2%	19.3%	19.3%	19.6%	18.8%	19.2%	20.6%	22.2%	22.19%
Internal Growth Rate	11.9%	11.0%	11.1%	9.3%	7.9%	5.4%	4.5%	3.8%	3.2%	3.2%	3.1%	3.0%	2.9%	2.9%	3.1%	3.2%	2.1%	2.1%	2.4%	2.7%	2.67%

Cash Flow Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
OCF/Net Income	1.32	1.19	1.34	1.36	1.97	2.55	3.14	3.74	4.25	4.47	4.63	4.75	4.51	4.22	4.13	4.06	4.18	5.22	5.88	6.08	6.084
FCF/OCF	1.00	1.00	1.00	1.00	1.00	0.99	0.98	0.98	0.98	0.99	1.00	1.00	1.00	1.00	0.99	0.99	0.99	0.99	1.00	1.00	0.999
FCF/Net Income	snapshot only																				6.081
OCF/EBITDA	snapshot only																				3.018
CapEx/Revenue	0.0%	0.0%	0.0%	0.1%	0.3%	1.3%	2.1%	2.3%	2.1%	1.1%	0.3%	0.1%	0.0%	0.3%	0.9%	1.2%	1.1%	0.7%	0.2%	0.0%	0.03%
CapEx/Depreciation	snapshot only																				0.031
Accruals Ratio	-0.04	-0.02	-0.04	-0.04	-0.08	-0.10	-0.12	-0.13	-0.13	-0.14	-0.14	-0.14	-0.13	-0.12	-0.12	-0.12	-0.07	-0.09	-0.12	-0.14	-0.141
Sloan Accruals	snapshot only																				0.066
Cash Flow Adequacy	snapshot only																				96.218
Earnings Quality Score	snapshot only																				0.750

Dividends & Buybacks

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Dividend Yield	1.8%	1.5%	2.2%	3.6%	5.0%	5.1%	4.9%	3.1%	4.3%	3.4%	4.5%	4.7%	3.9%	2.4%	2.6%	2.0%	1.4%	1.0%	0.9%	0.5%	0.00%
Dividend/Share	$0.97	$1.05	$1.15	$1.28	$1.30	$1.33	$1.32	$1.31	$1.32	$1.33	$1.33	$1.33	$1.38	$1.36	$1.33	$1.10	$0.84	$0.65	$0.48	$0.48	$0.00
Payout Ratio	13.1%	12.3%	12.9%	14.1%	15.3%	18.3%	21.4%	23.0%	24.8%	24.2%	24.2%	24.5%	24.5%	23.1%	21.5%	17.1%	13.6%	10.2%	6.8%	6.0%	5.99%
FCF Payout Ratio	9.9%	10.3%	9.6%	10.4%	7.8%	7.3%	7.0%	6.3%	5.9%	5.5%	5.2%	5.2%	5.4%	5.5%	5.3%	4.3%	3.3%	2.0%	1.2%	1.0%	0.98%
Total Payout Ratio	18.3%	26.4%	63.3%	72.5%	82.4%	83.9%	43.5%	37.8%	39.0%	41.4%	40.0%	38.7%	53.6%	70.5%	1.1%	1.0%	79.7%	67.1%	23.2%	19.2%	19.16%
Div. Increase Streak	1	1	1	1	1	1	1	0	1	1	0	0	1	1	0	0	0	0	0	0	0
Chowder Number	1.31	0.62	0.40	0.37	0.27	0.19	0.13	0.03	0.05	0.04	0.04	0.05	0.08	0.06	0.03	-0.14	-0.37	-0.51	-0.63	-0.56	-0.558
Buyback Yield	0.7%	1.7%	8.7%	15.0%	21.7%	18.2%	5.0%	2.0%	2.5%	2.4%	2.9%	2.7%	4.7%	5.0%	10.7%	9.9%	7.0%	5.4%	2.2%	1.0%	1.03%
Net Buyback Yield	0.7%	1.7%	8.7%	15.0%	21.7%	18.2%	5.0%	2.0%	2.5%	2.4%	2.9%	2.7%	4.7%	4.3%	8.7%	7.8%	5.0%	4.2%	1.8%	0.8%	0.81%
Total Shareholder Return	2.6%	3.2%	10.9%	18.6%	26.7%	23.3%	9.9%	5.1%	6.8%	5.9%	7.4%	7.5%	8.6%	6.8%	11.3%	9.8%	6.4%	5.2%	2.7%	1.3%	1.28%

DuPont Factors

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Tax Burden (NI/EBT)	0.82	0.81	0.87	0.88	0.89	0.91	0.80	0.80	0.79	0.80	0.81	0.82	0.82	0.80	0.80	0.78	0.77	0.77	0.76	0.76	0.757
Interest Burden (EBT/EBIT)	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.59	0.69	0.693
EBIT Margin	0.45	0.48	0.45	0.45	0.44	0.40	0.41	0.39	0.36	0.35	0.33	0.31	0.30	0.30	0.30	0.30	0.26	0.23	0.24	0.18	0.177
Asset Turnover	0.33	0.29	0.29	0.26	0.22	0.17	0.17	0.15	0.14	0.14	0.15	0.15	0.15	0.15	0.16	0.16	0.12	0.13	0.23	0.30	0.298
Equity Multiplier	7.91	8.63	7.95	6.97	6.55	7.05	6.93	6.99	7.09	7.06	6.77	6.32	6.75	6.73	6.39	6.25	9.31	9.54	8.79	8.53	8.531

Per Share

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
EPS (Diluted TTM)	$7.41	$8.53	$8.92	$9.03	$8.49	$7.27	$6.15	$5.69	$5.31	$5.50	$5.49	$5.42	$5.65	$5.88	$6.16	$6.41	$6.17	$6.37	$7.03	$8.03	$8.03
Book Value/Share	$12.60	$13.81	$13.66	$14.90	$16.16	$17.50	$18.25	$19.16	$19.92	$21.11	$22.22	$25.19	$24.34	$26.03	$28.13	$29.36	$32.80	$33.81	$35.88	$38.67	$48.76
Tangible Book/Share	$12.60	$13.81	$13.66	$14.90	$16.16	$17.50	$18.25	$19.16	$19.92	$21.11	$22.22	$25.19	$24.34	$26.03	$28.13	$29.36	$31.14	$32.23	$34.44	$37.36	$37.36
Revenue/Share	$20.11	$21.77	$22.76	$23.15	$21.78	$20.07	$18.90	$18.38	$18.51	$19.56	$20.48	$21.08	$22.58	$24.27	$25.85	$27.66	$30.76	$36.72	$65.12	$86.34	$109.54
FCF/Share	$9.79	$10.15	$11.95	$12.28	$16.65	$18.30	$18.94	$20.85	$22.19	$24.35	$25.38	$25.71	$25.49	$24.70	$25.24	$25.69	$25.43	$32.99	$41.18	$48.81	$61.92
OCF/Share	$9.80	$10.16	$11.95	$12.31	$16.71	$18.56	$19.34	$21.27	$22.58	$24.56	$25.44	$25.73	$25.49	$24.78	$25.46	$26.02	$25.76	$33.25	$41.32	$48.83	$61.95
Cash/Share	$8.01	$19.65	$18.62	$16.24	$18.54	$20.64	$20.54	$18.07	$18.81	$18.15	$23.76	$21.65	$16.41	$19.82	$18.50	$17.17	$22.15	$40.00	$41.91	$33.63	$42.66
EBITDA/Share	$9.13	$10.65	$10.42	$10.53	$9.91	$8.26	$7.88	$7.30	$6.93	$7.09	$7.04	$6.84	$7.15	$7.59	$8.03	$8.55	$8.37	$8.84	$16.28	$16.18	$16.18
Debt/Share	$48.19	$68.42	$70.52	$81.76	$89.76	$97.46	$93.76	$96.53	$103.24	$108.37	$111.17	$111.56	$122.59	$132.27	$131.92	$145.85	$315.89	$340.99	$331.18	$328.06	$328.06
Net Debt/Share	$40.18	$48.78	$51.90	$65.53	$71.21	$76.82	$73.22	$78.46	$84.44	$90.22	$87.42	$89.91	$106.18	$112.45	$113.42	$128.68	$293.74	$301.00	$289.27	$294.44	$294.44

Academic Models

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	3.177
Altman Z-Prime	snapshot only																				1.355
Piotroski F-Score	6	8	6	6	5	4	5	6	5	4	5	6	5	4	6	7	4	3	6	7	7
Beneish M-Score	-2.40	-2.25	-2.61	-2.66	-2.96	-3.09	-2.91	-3.01	-2.95	-2.84	-2.79	-2.82	-2.62	-2.54	-2.71	-2.52	-2.10	-1.70	0.95	-0.22	-0.220
Ohlson O-Score	snapshot only																				-5.608
ROIC (Greenblatt)	snapshot only																				46.88%
Net-Net WC	snapshot only																				$-318.40
EVA	snapshot only																				$-417622322.09

Credit

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Credit Rating	snapshot only																				A+
Credit Score	87.93	85.86	87.47	87.22	88.12	87.74	89.04	88.87	89.22	89.09	89.21	72.08	89.19	87.89	88.20	87.72	67.18	51.18	69.22	75.65	75.648
Credit Grade	snapshot only																				5
Credit Trend	snapshot only																				-12.073
Implied Spread (bps)	snapshot only																				125.000
Industry Credit Rank	snapshot only																				69
Sector Credit Rank	snapshot only																				70

ATLC NASDAQ

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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