AtlasClear Holdings Inc. Common Stock (ATCH)

FairStock Score: 56/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look for durable earning power bought at a sensible price. AtlasClear is a tiny capital-markets firm, with 51 employees, providing over-the-counter securities dealing and back- and middle-office support. In FY2026, the year ended 2026-06-30, filed revenue was $20.1 million and net income $2.0 million. In FY2025, revenue was $10.9 million and net income $5.8 million. So sales grew while profit fell, which is not the pattern I want. The quarters are lumpy: fiscal Q3 2026, ended 2026-03-31, had $4.2 million revenue and a $1.9 million net loss; fiscal Q2 2026, ended 2025-12-31, had $6.8 million net income. FairStock's Lynch rules call it a SLOW GROWER - Shrinking, with profit down -43.8% a year over three years, and its Piotroski F-Score is 0/9. FairStock's P/B is 1.11 at the 2026-10-13 close of $0.17, so the $25.4 million market cap is near book, but the quality of that book is unclear. FairStock's ROE is 65.96%, yet ROCE is -2.40%; that contradiction smells of one-offs or a weak denominator. Debt/equity is 0.70, there is no dividend, and the P/E is negative. For a financial firm, I would want CET1, NIM, or a combined ratio, but none are in the data. Without a moat, scale, or consistent earnings, a low price alone is not a margin of safety. I would wait for clean, repeatable profits.

In plain English: AtlasClear is a small financial-services company that handles over-the-counter securities and back-office technology support for other financial firms. Its sales have grown, but profits have been uneven and it has posted losses in recent quarters, so the business looks weak. At $0.17 a share, it trades near the bottom of its yearly range; compared with its accounting value it does not look expensive, but the earnings record is too shaky to call it a clear bargain.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q3 2026 10-Q (period ended 2026-03-31) · fiscal Q2 2026 10-Q (period ended 2025-12-31) · fiscal Q1 2026 10-Q (period ended 2025-09-30) · fiscal Q3 2025 10-Q (period ended 2025-03-31) · FY2026 10-K (period ended 2026-06-30) · FY2025 10-K (period ended 2025-06-30) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer