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AtlasClear Holdings, Inc. (ATCH) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of AtlasClear Holdings, Inc. stock $0.27, price $0.14, upside +99.3%, quality 46 out of 100. Rating: strongly undervalued. Calculated from audited financials with 7 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

AH AtlasClear Holdings, Inc. logo Thin data Nov 3, 2026

AtlasClear Holdings, Inc.

ATCH · US
Cheap, value-trap risk

The stock costs 50% less than our calculation considers fair.

Fair value $0.2710 · Strongly undervalued
Ranks above peers (7/11)
Revenue last quarter +137% vs. a year ago.
Quality 46/100
Mixed Growth (revenue 3y +17.1 %/yr in USD)
Thin margins · 9.8% net margin (TTM)
Moderate debt
Insiders bought $163,152 (6M)
Negative free cash flow
Narrow moat 43/100 · thin data
Thin data
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$686.40 $0.1300 Fair Value $0.2710 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 3, 2026.

How to read this chart

60‑month range $0.1300 – $686.40 · fair‑value band $0.1970 – $0.3370 · the $0.1360 price screens below the $0.2710 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 3, 2026.

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Company profile

AtlasClear Holdings, Inc. operates as a technology enabled financial services firm. It creates a platform for trading, clearing, settlement, and banking of financial products, such as crypto for financial services firms.

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The company offers fintech assets, including AtlasFX and Rubicon, an order management system and trading application for the automated management of currency exchange; SURFACExchange, a multi-lateral trading platform for over the counter spot and options FX trading; and BondQuantum, a real time advance analytical program for the analysis of bonds.

It also engages in the provision of back and middle office solutions; and securities broker and dealer, as well as dealing in over-the-counter and listed securities. AtlasClear Holdings, Inc. is based in Tampa, Florida.

Stock analysis

AtlasClear Holdings, Inc. (ATCH) currently trades at $0.1360, while our model-based Fair Value estimate is $0.2710, implying the stock looks roughly 50% undervalued today.

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Valuation

Bull case: the DCF Models group reads highest at a median of $1.88 per share, and 4 of the 7 models we run sit above the $0.1360 price.

Bear case: the Economic Profit group reads lowest at $0.1200, and 3 of the 7 models stay below the price. Data coverage for this calculation is low.

Scenario range: $0.1970 (bear) to $0.3370 (bull), the price of $0.1360 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 46/100 (below-average quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

AtlasClear Holdings, Inc. reported revenue of $14.6M in FY2025 versus $13.3M in FY2021, a compound +2.4%/yr. Reported net income was $1.8M in FY2025.

Key figures

Market cap $20.9M Micro · P/E ratio 6.8 · P/S ratio 0.82 · EPS (TTM) $0.0200 · Net margin 12.1% · Return on equity 27.4% · Return on assets (EBIT) −9.0% (4-year average) · Operating margin −39.4%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 43 out of 100 (low confidence).

What moves the price

The share trades about 62% below its 52-week high and 5% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −11% fair-value upside, at 99%, ATCH screens cheaper than that median.

Fair Value models

Bear $0.1970 Fair Value $0.2710 Bull $0.3370
Price $0.1360 · Upside +99.3%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($0.0172 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Owner Earnings $0.9000 $1.88 $3.84 71
Residual Income $0.1200 $0.1200 $0.1400 71
Graham-Dodd $0.0800 $0.5500 $0.7700 63
All 7 models by family
DCF Models
Owner Earnings $0.9000 $1.88 $3.84 71
Earnings-Based
Graham-Dodd $0.0800 $0.5500 $0.7700 63
Lynch FV $0.2600 $0.3700 $0.4800 61
Multiples
P/E Multiple $0.2400 $0.3300 $0.4100 63
P/B Multiple $0.1000 $0.1300 $0.1600 55
Asset-Based
NCAV (Graham) $0.0100 $0.0100 $0.0200 52
Economic Profit
Residual Income $0.1200 $0.1200 $0.1400 71

Open the full fair value analysis →

Quality Score breakdown

Overall quality 46/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 31
How much profit the company makes from its sales and capital
Quality Growth 69
Are margins and returns getting better?
Cashflow 12
Do the profits arrive as real cash?
Financial strength 66
Debt, balance sheet and risk of trouble
Investment 56
Does it invest with discipline instead of growing at any price?
Low Volatility 30
How calm the share price moves, does not count
Price momentum 4
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 1
Distance to the 52-week high, does not count
New shares 50
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, 5 officers or directors bought shares worth $163,152, most recently on Sep 25, 2026. Buying cluster

  • BuySteven J. CarlsonDirector15,000 shares at $0.1967$2,950Sep 25, 2026
  • BuySandip I PatelCFO & General Counsel, Director100,000 shares at $0.2100$21,000Sep 25, 2026
  • BuyDavid Craig RidenhourPresident, Director100,000 shares at $0.1950$19,500Sep 25, 2026
  • BuyJohn Martin SchaibleExecutive Chairman, Director100,000 shares at $0.1970$19,702Sep 25, 2026
  • BuyThomas Jon HammondDirector500,000 shares at $0.2000$100,000Sep 24, 2026

Plus 7 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 55/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+34.7%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+17.1%
Revenue growth 17 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+30.2%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−30.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year−30.0%
Dividend (yield on the price)0.0%
Profit margin 2021 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.8% → −34%

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Capital Markets · 384 stocks

Beats the industry median on 7/11 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 46 · Below median
Fair Value upside +99.3% · Top 25%
Profitability
Return on equity (12 months) 27.4% · Top 25%
Return on assets 2.3% · Above median
Net margin (12 months) 9.8% · Below median
Operating margin (12 months) −39.4% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 136.8% · Top 25%
Balance sheet
Debt / equity 0.61× · Highest 25%

Valuation Multiplesvs Capital Markets median · lower = cheaper

P/E (12 months) 6.8× · Cheapest 25%
P/B 0.96× · Cheaper than median
P/S (12 months) 1.04× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 42
FUTURE (revenue growth)100 · sector 68
PAST (return on equity)100 · sector 38
HEALTH (low debt)70 · sector 94
DIVIDEND (yield)0 · sector 47

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Capital Markets stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Morgan Stanley MS $181.44 $260.72 +44% vs ATCH
The Charles Schwab Corporation SCHW $91.49 $117.60 +29% vs ATCH
Guotai Haitong Securities Co 601211 ¥16.46 ¥18.02 +9% vs ATCH
Nomura Holdings NMR $9.42 $10.17 +8% vs ATCH
The Goldman Sachs Group GS $865.82 $766.86 −11% vs ATCH
CITIC Securities Company 600030 ¥25.72 ¥20.42 −21% vs ATCH
Robinhood Markets, Inc HOOD $80.91 $47.60 −41% vs ATCH
Macquarie Group MQG A$247.94 A$123.84 −50% vs ATCH
East Money Information Co 300059 ¥18.78 ¥6.72 −64% vs ATCH
Interactive Brokers Group IBKR $75.82 $17.48 −77% vs ATCH

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AtlasClear Holdings, Inc.: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "AtlasClear Holdings, Inc. Fair Value". https://www.fairvalue-calculator.com/stock/ATCH

Frequently asked questions

Is AtlasClear Holdings, Inc. (ATCH) overvalued or undervalued?
As of Nov 3, 2026, our model estimates a fair value of $0.2710 versus a price of $0.1360, about +99% upside (undervalued).
What is the fair value of ATCH?
Our model-based fair value for AtlasClear Holdings, Inc. is $0.2710 (as of Nov 3, 2026), built from audited fundamentals. The current price: $0.1360.
What is the quality score of ATCH?
AtlasClear Holdings, Inc. has a Quality Score of 46/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for AtlasClear Holdings, Inc. (ATCH)?
Our model-based price target is the fair value of $0.2710 (as of Nov 3, 2026) from 7 valuation models. Cautious scenario $0.1970, optimistic scenario $0.3370. It is a calculation from audited fundamentals, not an analyst target.
What is the AtlasClear Holdings, Inc. stock forecast for 2026?
Our models put fair value at $0.2710, about +99% upside versus a price of $0.1360 (undervalued). Cautious scenario $0.1970, optimistic scenario $0.3370. The calculation is refreshed regularly with new filings.
What is the revenue of AtlasClear Holdings, Inc. (ATCH)?
AtlasClear Holdings, Inc. reported trailing-twelve-month revenue of about $20.1M (latest available figure, as of Nov 3, 2026).
What is the intrinsic value of AtlasClear Holdings, Inc. (ATCH)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For AtlasClear Holdings, Inc. it is $0.2710 per share (as of Nov 3, 2026), against a price of $0.1360. It is the blended result of 7 valuation models in 5 families (DCF Models, Earnings-Based, Multiples, Asset-Based, Economic Profit).
Is AtlasClear Holdings, Inc. stock overvalued or undervalued in 2026?
As of Nov 3, 2026, ATCH trades below its calculated fair value: price $0.1360, fair value $0.2710, a gap of about +99% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of ATCH?
No. The price is what the market pays today ($0.1360); the fair value is what the company's own numbers justify ($0.2710). For AtlasClear Holdings, Inc. the two are $0.1350 per share apart. That gap is exactly why we show both numbers side by side.
How much is AtlasClear Holdings, Inc. worth?
The market values AtlasClear Holdings, Inc. at about $20.9M (market capitalisation, as of Nov 3, 2026). Per share that is $0.1360; our models calculate a fair value of $0.2710 per share.
What do the bullish and bearish scenarios say about ATCH?
Our models span a range for AtlasClear Holdings, Inc.: cautious scenario $0.1970, base $0.2710, optimistic $0.3370 per share (as of Nov 3, 2026, price $0.1360). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of ATCH?
AtlasClear Holdings, Inc. trades at a price-to-earnings ratio of 6.8 (as of Nov 3, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $0.2710 is built from several models across several years. Other multiples: P/B 1.0, P/S 1.0.
How solid is the balance sheet of AtlasClear Holdings, Inc. (ATCH)?
Balance-sheet figures for AtlasClear Holdings, Inc. (as of Nov 3, 2026): return on equity 27.4%, debt of 0.61 per unit of equity. They feed the Quality Score of 46/100, which measures business quality independently of the share price.
How far is ATCH from its 52-week high?
AtlasClear Holdings, Inc. trades at $0.1360, about 62% below its 52-week high of $0.3613 and 5% above the low of $0.1300 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $0.2710 is for.
Which stocks are comparable to AtlasClear Holdings, Inc.?
From the same area (Financial Services) we also value Morgan Stanley, The Goldman Sachs Group, The Charles Schwab Corporation, Interactive Brokers Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is AtlasClear Holdings, Inc. stock attractive at the current price?
The data as of Nov 3, 2026: price $0.1360, calculated fair value $0.2710 (+99%), Quality Score 46/100, from 7 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of ATCH calculated?
We run AtlasClear Holdings, Inc. through 7 models from 5 families: DCF Models, Earnings-Based, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $0.2710 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. AtlasClear Holdings, Inc. currently trades 50% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of AtlasClear Holdings, Inc. (ATCH)?
The closing price on Nov 6, 2026 was $0.1360. Our model-based fair value is $0.2710, about +99% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with AtlasClear Holdings, Inc. right now?
The large discount to fair value meets weak quality (46/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case ($0.1970). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of AtlasClear Holdings, Inc.

How large is the market capitalisation of AtlasClear Holdings, Inc. (ATCH)?
The market capitalisation of AtlasClear Holdings, Inc. is $20.9M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of AtlasClear Holdings, Inc. (ATCH)?
The price-to-sales ratio of AtlasClear Holdings, Inc. is 0.82 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of AtlasClear Holdings, Inc. (ATCH)?
Earnings per share at AtlasClear Holdings, Inc. are $0.0200 (price ÷ EPS = P/E 6.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of AtlasClear Holdings, Inc. (ATCH)?
The net margin of AtlasClear Holdings, Inc. is 12.1% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of AtlasClear Holdings, Inc. (ATCH)?
The return on equity (ROE) of AtlasClear Holdings, Inc. is 27.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of AtlasClear Holdings, Inc. (ATCH)?
On an EBIT basis the return on assets of AtlasClear Holdings, Inc. is −9.0% (avg 4y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of AtlasClear Holdings, Inc. (ATCH)?
The operating margin of AtlasClear Holdings, Inc. is −39.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at AtlasClear Holdings, Inc. (ATCH)?
Revenue at AtlasClear Holdings, Inc. is growing +137% versus a year earlier (3y avg +17.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does AtlasClear Holdings, Inc. (ATCH) generate?
The free cash flow of AtlasClear Holdings, Inc. is −$190K (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does AtlasClear Holdings, Inc. (ATCH) hold?
AtlasClear Holdings, Inc. holds more cash than debt, $8.4M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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