AtlasClear Holdings, Inc. (ATCH) 10-Year Financial Performance & Capital Metrics

ATCH • • Industrial / General

TechnologyInfrastructure SoftwarePayment Processing & Digital CommerceFinancial Infrastructure & Billing

AboutAtlasClear Holdings, Inc. focuses on operating as a technology enabled financial services firm. It creates a platform for trading, clearing, settlement, and banking of financial products with a focus on the small and middle market financial services firms. The company is based in Tampa, Florida.Show more

Revenue $11M +171.3%
EBITDA -$4M +74.6%
Net Income $6M +104.8%
EPS (Diluted) -0.38 -670.6%
Gross Margin 80.62% +19.4%
EBITDA Margin -32.6% +90.6%
Operating Margin -45.29% +88.3%
Net Margin 52.97% +101.8%
ROE -
ROIC -
Debt/Equity -
Interest Coverage -

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Share count reduced 49.8% through buybacks

✗Weaknesses

✗Low quality earnings: Net income not backed by cash flow
✗Trading more than 30% below 52-week high
✗Low asset turnover indicates capital-intensive operations

Price & Volume

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Growth Metrics

Revenue CAGR

10Y-

5Y-

3Y-6.57%

TTM80.78%

Profit (Net Income) CAGR

10Y-

5Y-

3Y57.26%

TTM95.01%

EPS CAGR

10Y-

5Y-

3Y-

TTM99.72%

ROCE

10Y Avg-32.11%

5Y Avg-32.11%

3Y Avg-22.87%

Latest-0.05%

Peer Comparison

Financial Infrastructure & Billing

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
MQMarqeta, Inc.	1.8B	4.41	83.84	-25.02%	-6.74%	-4.72%	3.1%	0.01
PAYSPaySign, Inc.	259.8M	4.72	68.80	23.5%	10.1%	16.53%	5.18%	0.10
CSGSCSG Systems International, Inc.	2.27B	79.48	26.23	2.39%	6.85%	28.79%	5%	2.03
CPAYCorpay, Inc.	23.14B	330.77	23.68	5.77%	24.37%	25.52%	7.63%	2.54
PAYOPayoneer Global Inc.	1.92B	5.40	17.42	17.64%	6.96%	9.64%	6.05%	0.03
IMXIInternational Money Express, Inc.	460.64M	15.50	8.66	-0.01%	6.26%	26.14%	5.01%	1.35
ATCHAtlasClear Holdings, Inc.	38.17M	0.26	-0.69	171.31%	-44.2%	-79.32%	4.12%
LSAKLesaka Technologies, Inc.	392.68M	4.67	-4.10	16.92%	-11.78%	-32.78%		0.90

Profit & Loss

	Dec 2020	Jun 2022	Jun 2023	Dec 2023	Dec 2024
Sales/Revenue+	0	13.31M	9.09M	4M	10.86M
Revenue Growth %	-	-	-0.32%	-0.56%	1.71%
Cost of Goods Sold+	0	1.54M	2.39M	1.3M	2.1M
COGS % of Revenue	-	0.12%	0.26%	0.32%	0.19%
Gross Profit+	0	11.78M	6.7M	2.7M	8.75M
Gross Margin %	-	0.88%	0.74%	0.68%	0.81%
Gross Profit Growth %	-	-	-0.43%	-0.6%	2.24%
Operating Expenses+	21.68K	10.76M	7.93M	18.22M	13.67M
OpEx % of Revenue	-	0.81%	0.87%	4.55%	1.26%
Selling, General & Admin	0	2.07M	2.12M	4.18M	7.41M
SG&A % of Revenue	-	0.16%	0.23%	1.04%	0.68%
Research & Development	0	0	0	0	0
R&D % of Revenue	-	-	-	-	-
Other Operating Expenses	21.68K	8.69M	5.81M	14.04M	6.26M
Operating Income+	-21.68K	1.02M	-1.23M	-15.52M	-4.92M
Operating Margin %	-	0.08%	-0.13%	-3.88%	-0.45%
Operating Income Growth %	-	48.04%	-2.2%	-11.66%	0.68%
EBITDA+	0	1.06M	-1.2M	-13.92M	-3.54M
EBITDA Margin %	-	0.08%	-0.13%	-3.48%	-0.33%
EBITDA Growth %	-	-	-2.13%	-10.63%	0.75%
D&A (Non-Cash Add-back)	21.68K	37.23K	28.53K	1.6M	1.38M
EBIT	-21.68K	1.88M	259.24K	-2.46M	-345.29K
Net Interest Income+	0	296.01K	1.41M	3.11M	2M
Interest Income	0	365.86K	1.49M	3.11M	2M
Interest Expense	0	69.84K	83.21K	0	-
Other Income/Expense	0	790.8K	1.4M	-104.99M	10.41M
Pretax Income+	-21.68K	1.81M	176.03K	-120.51M	5.49M
Pretax Margin %	-	0.14%	0.02%	-30.12%	0.51%
Income Tax+	0	331.98K	44.69K	-424.82K	-259.38K
Effective Tax Rate %	1%	0.82%	0.75%	1%	1.05%
Net Income+	-21.68K	1.48M	131.33K	-120.09M	5.75M
Net Margin %	-	0.11%	0.01%	-30.01%	0.53%
Net Income Growth %	-	69.2%	-0.91%	-915.39%	1.05%
Net Income (Continuing)	-21.68K	1.48M	131.33K	-120.09M	5.75M
Discontinued Operations	0	0	0	0	0
Minority Interest	0	0	0	0	0
EPS (Diluted)+	-0.00	-0.25	26.34	0.07	-0.38
EPS Growth %	-	-	106.36%	-1%	-6.71%
EPS (Basic)	-0.00	-0.25	26.34	0.07	0.96
Diluted Shares Outstanding	25.16M	22.86M	419.27K	11.93M	5.99M
Basic Shares Outstanding	25.16M	22.86M	419K	11.93M	5.99M
Dividend Payout Ratio	-	-	0.31%	-	-

Balance Sheet

	Dec 2020	Jun 2022	Jun 2023	Dec 2023	Dec 2024
Total Current Assets+	42.7K	62.06M	37.49M	678.38K	34.93B
Cash & Short-Term Investments	21.87K	10.68M	9.1M	619.55K	7.53B
Cash Only	21.87K	10.65M	9.09M	619.55K	7.53B
Short-Term Investments	0	26.54K	3.6K	0	0
Accounts Receivable	0	2.07M	1.03M	58.83K	1.74M
Days Sales Outstanding	-	56.65	41.3	5.37	58.43
Inventory	0	0	0	0	0
Days Inventory Outstanding	-	-	-	-	-
Other Current Assets	0	48.6M	26.96M	-58.83K	27.4B
Total Non-Current Assets+	157.92K	2.28M	3.1M	54.8M	25.96B
Property, Plant & Equipment	0	343.64K	180.55K	342.42K	179.27M
Fixed Asset Turnover	-	38.74x	50.34x	11.69x	0.06x
Goodwill	0	0	0	7.71M	6.14B
Intangible Assets	0	0	0	14.15M	0
Long-Term Investments	0	0	0	54.8M	87.5K
Other Non-Current Assets	157.92K	1.93M	2.92M	-22.2M	19.64B
Total Assets+	200.62K	64.33M	40.59M	55.48M	60.89B
Asset Turnover	-	0.21x	0.22x	0.07x	0.00x
Asset Growth %	-	319.67%	-0.37%	0.37%	1096.61%
Total Current Liabilities+	181.04K	53.5M	29.76M	12.06M	41B
Accounts Payable	940	50.7M	28.74M	5.51M	24.89M
Days Payables Outstanding	-	12.05K	4.4K	1.55K	4.32K
Short-Term Debt	130.1K	0	0	480K	215.17M
Deferred Revenue (Current)	0	0	0	0	0
Other Current Liabilities	50K	-268.85K	-207.03K	4.55M	40.76B
Current Ratio	0.24x	1.16x	1.26x	0.06x	0.85x
Quick Ratio	0.24x	1.16x	1.26x	0.06x	0.85x
Cash Conversion Cycle	-	-	-	-	-
Total Non-Current Liabilities+	0	992.82K	889.77K	307.66K	26.69B
Long-Term Debt	0	650K	650K	0	789.61M
Capital Lease Obligations	0	142.82K	39.77K	0	0
Deferred Tax Liabilities	0	0	0	0	3.37B
Other Non-Current Liabilities	0	200K	200K	307.66K	22.53B
Total Liabilities	181.04K	54.49M	30.65M	12.37M	67.69B
Total Debt+	130.1K	943.64K	805.72K	480K	1B
Net Debt	108.23K	-9.71M	-8.29M	-139.55K	-6.53B
Debt / Equity	6.64x	0.10x	0.08x	0.01x	-
Debt / EBITDA	-	0.89x	-	-	-
Net Debt / EBITDA	-	-9.18x	-	-	-
Interest Coverage	-	14.60x	-14.74x	-	-
Total Equity+	19.58K	9.85M	9.94M	43.11M	-6.8B
Equity Growth %	-	501.85%	0.01%	3.34%	-158.69%
Book Value per Share	0.00	0.43	23.70	3.61	-1135.18
Total Shareholders' Equity	19.58K	9.85M	9.94M	43.11M	-6.8B
Common Stock	503	41K	41K	503	4.02M
Retained Earnings	-5.42K	9.5M	9.59M	-11.51M	-142.52B
Treasury Stock	0	0	0	0	0
Accumulated OCI	0	0	0	0	0
Minority Interest	0	0	0	0	0

Cash Flow

	Dec 2020	Jun 2022	Jun 2023	Dec 2023	Dec 2024
Cash from Operations+	-25.31K	-1.07M	-1.08M	-1.82M	1.57M
Operating CF Margin %	-	-0.08%	-0.12%	-0.45%	0.14%
Operating CF Growth %	-	-41.35%	-0.01%	-0.68%	1.86%
Net Income	-5.42K	1.48M	11.05M	794.95K	5.75M
Depreciation & Amortization	0	37.23K	28.53K	0	1.38M
Stock-Based Compensation	0	0	0	0	0
Deferred Taxes	0	-12.5K	0	0	0
Other Non-Cash Items	0	-4.9M	-14.64M	-3.41M	-8.34M
Working Capital Changes	-19.89K	2.32M	2.48M	792.03K	2.79M
Change in Receivables	0	0	0	-58.83K	-2.72M
Change in Inventory	0	0	0	0	0
Change in Payables	0	0	0	628.16K	3.78M
Cash from Investing+	0	-201.25M	351.47K	152.34M	-145K
Capital Expenditures	0	-13.81K	0	0	-125K
CapEx % of Revenue	-	0%	-	0%	0.01%
Acquisitions	-	-	-	-	-
Investments	-	-	-	-	-
Other Investing	0	13.81K	353.58K	152.81M	-20K
Cash from Financing+	47.18K	202.36M	799.17K	-150.03M	1.62M
Debt Issued (Net)	-	-	-	-	-
Equity Issued (Net)	-	-	-	-	-
Dividends Paid	0	0	-41K	0	0
Share Repurchases	-	-	-	-	-
Other Financing	0	0	360.17K	2.86M	0
Net Change in Cash	-	-	-	-	-
Free Cash Flow+	-25.31K	-1.09M	-1.08M	-1.82M	1.57M
FCF Margin %	-	-0.08%	-0.12%	-0.45%	0.14%
FCF Growth %	-	-41.9%	0%	-0.68%	1.86%
FCF per Share	-0.00	-0.05	-2.59	-0.15	0.26
FCF Conversion (FCF/Net Income)	1.17x	-0.73x	-8.26x	0.02x	0.27x
Interest Paid	0	0	0	0	0
Taxes Paid	0	1.21M	277.96K	537K	0

Key Ratios

Metric	2020	2021	2022	2023	2024
Return on Equity (ROE)	-110.73%	29.98%	1.33%	-452.81%	-
Return on Invested Capital (ROIC)	-	571.32%	-102.9%	-52.19%	-
Gross Margin	-	88.46%	73.75%	67.52%	80.62%
Net Margin	-	11.11%	1.44%	-3001.14%	52.97%
Debt / Equity	6.64x	0.10x	0.08x	0.01x	-
Interest Coverage	-	14.60x	-14.74x	-	-
FCF Conversion	1.17x	-0.73x	-8.26x	0.02x	0.27x
Revenue Growth	-	-	-31.72%	-55.98%	171.31%

Frequently Asked Questions

Growth & Financials

AtlasClear Holdings, Inc. (ATCH) reported $12.3M in revenue for fiscal year 2024.

AtlasClear Holdings, Inc. (ATCH) grew revenue by 171.3% over the past year. This is strong growth.

AtlasClear Holdings, Inc. (ATCH) reported a net loss of $5.4M for fiscal year 2024.

Dividend & Returns

AtlasClear Holdings, Inc. (ATCH) had negative free cash flow of $1.1M in fiscal year 2024, likely due to heavy capital investments.

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