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

As of Sep 23, 2026: fair value of AtlasClear Holdings, Inc. $0.28, price $0.20, upside +42.4%, quality 38 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? No
  3. Add to watchlist

Financial Services · US · ISIN US25384B1089

AH AtlasClear Holdings, Inc. logo Thin data Sep 23, 2026

AtlasClear Holdings, Inc.

ATCH · US

SpeculativeUpside exists, but weak quality makes the signal speculative.

✓Fair value $0.2805 · Undervalued (+42%)
!Quality 38/100
!Mixed Growth (revenue 3y +17.1 %/yr)
✓Solidly profitable · 16.8% net margin (TTM)
!Low debt · negative free cash flow
!Mixed vs. peers (5/10)
!Narrow moat 44/100
!Evidence only low, so the estimate is less certain
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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 $0.1500 Fair Value $0.2805 Jun 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.

How to read this chart

60‑month range $0.1500 – $686.40 · fair‑value band $0.2125 – $0.3485 · the $0.1970 price screens below the $0.2805 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 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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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. 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 $0.1970, while our model-based Fair Value estimate is $0.2805, implying the stock looks roughly 29.8% undervalued today.

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Valuation

Bull case: the DCF Models group reads highest at a median of $2.06 per share, and 5 of the 7 models we run sit above the $0.1970 price.

Bear case: the Asset-Based group reads lowest at $0.1000, and 2 of the 7 models stay below the price. Evidence for this calculation is low.

Scenario range: $0.2125 (bear) to $0.3485 (bull), the price of $0.1970 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 38/100 (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 $32.1M · P/S ratio 1.89 · EPS (TTM) $−6.61 · Net margin 12.1% · Return on equity 66.0% · Return on assets (EBIT) −9.0% · Operating margin −24.7% · Revenue (TTM) $16.3M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).

What moves the price

The share trades about 76% below its 52-week high and 23% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −20% fair-value upside, at 42%, ATCH screens cheaper than that median.

Fair Value models

Bear $0.2125 Fair Value $0.2805 Bull $0.3485
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. 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. Evidence ⓘEvidence = 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.
Highest evidence
Owner Earnings $1.01 $2.06 $4.19 71
Residual Income $0.1200 $0.1300 $0.1400 71
Graham-Dodd $0.0800 $0.5600 $0.7800 63
All 7 models by family
DCF Models
Owner Earnings $1.01 $2.06 $4.19 71
Earnings-Based
Graham-Dodd $0.0800 $0.5600 $0.7800 63
Lynch FV $0.2600 $0.3700 $0.4800 61
Multiples
P/E Multiple $0.2500 $0.3300 $0.4100 63
P/B Multiple $0.1500 $0.2000 $0.2500 55
Asset-Based
NCAV (Graham) $0.0700 $0.1000 $0.1400 54
Economic Profit
Residual Income $0.1200 $0.1300 $0.1400 71

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Quality Score breakdown

Overall quality 38/100

Of which business quality 41 · Market factors (momentum, volatility) 24

Profitability 31
Margins and returns on capital today
Quality Growth 74
Are margins and returns improving?
Cashflow 12
Earnings quality: real cash, not paper profit
Fin. Strength 76
Balance sheet, leverage, solvency risk
Investment 56
Disciplined investing over empire-building
Low Volatility 33
Calm price path (market factor)
Momentum 30
Price trend over the last 3–12 months (market factor)
52W Momentum 3
Distance to the 52-week high (market factor)
Net Issuance 0
Share count: buybacks or dilution?

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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. 60/100
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 · 463 stocks

Beats the industry median on 5/10 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 41 · Bottom 25%
Fair Value upside +42% · Above median
Profitability
Return on equity (TTM) 66% · Top 25%
Return on assets −2% · Bottom 25%
Net margin (TTM) 17% · Below median
Operating margin (TTM) −25% · Bottom 25%
Growth and dividend
Revenue growth 65% · Top 25%
Balance sheet
Debt / equity 0.03× · Below median

Valuation Multiplesvs Capital Markets median · lower = cheaper

P/B 1.48× · Pricier than median
P/S (TTM) 1.97× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)90 · sector 27
FUTURE (revenue growth)100 · sector 91
PAST (return on equity)100 · sector 30
HEALTH (low debt)99 · sector 95
DIVIDEND (yield)0 · sector 41

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
Morgan Stanley, a financial holding company, MS $200.18 $312.73 +56%
The Goldman Sachs Group GS $949.49 $756.89 −20%
The Charles Schwab Corporation SCHW $100.35 $117.26 +17%
Interactive Brokers Group IBKR $91.88 $23.37 −75%
Robinhood Markets, Inc HOOD $124.25 $47.73 −62%
Macquarie Group MQG A$242.35 A$75.58 −69%
CITIC Securities Company 600030 ¥26.79 ¥18.35 −32%
Guotai Haitong Securities Co 601211 ¥17.67 ¥19.29 +9%
East Money Information Co 300059 ¥18.77 ¥4.94 −74%
CSC Financial Co 601066 ¥23.67 ¥39.83 +68%

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AtlasClear Holdings, Inc. · Fair Value
$0.2805 +30%Fair Value
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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 Sep 23, 2026, our model estimates a fair value of $0.2805 versus a price of $0.1970, about +42% upside (undervalued).
What is the fair value of ATCH?
Our model-based fair value for AtlasClear Holdings, Inc. is $0.2805 (as of Sep 23, 2026), built from audited fundamentals. The current price: $0.1970.
What is the quality score of ATCH?
AtlasClear Holdings, Inc. has a Quality Score of 38/100. 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 $0.2805 (as of Sep 23, 2026) from 7 valuation models. Cautious scenario $0.2125, optimistic scenario $0.3485. 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 $0.2805, about +42% upside versus a price of $0.1970 (undervalued). Cautious scenario $0.2125, optimistic scenario $0.3485. 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 $16.3M (latest available figure, as of Sep 23, 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 $0.2805 per share (as of Sep 23, 2026), against a price of $0.1970. It is the blended result of 7 valuation models (cash flow, earnings, asset, dividend).
Is AtlasClear Holdings, Inc. stock overvalued or undervalued in 2026?
As of Sep 23, 2026, ATCH trades below its calculated fair value: price $0.1970, fair value $0.2805, a gap of about +42% (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 ($0.1970); the fair value is what the company's own numbers justify ($0.2805). For AtlasClear Holdings, Inc. the two are $0.0835 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 $32.1M (market capitalisation, as of Sep 23, 2026). Per share that is $0.1970; our models calculate a fair value of $0.2805 per share.
What do the bullish and bearish scenarios say about ATCH?
Our models span a range for AtlasClear Holdings, Inc.: cautious scenario $0.2125, base $0.2805, optimistic $0.3485 per share (as of Sep 23, 2026, price $0.1970). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of AtlasClear Holdings, Inc. (ATCH)?
Balance-sheet figures for AtlasClear Holdings, Inc. (as of Sep 23, 2026): return on equity 66.0%, debt of 0.03 per unit of equity. They feed the Quality Score of 38/100, which measures business quality independently of the share price.
How far is ATCH from its 52-week high?
AtlasClear Holdings, Inc. trades at $0.1970, about 76% below its 52-week high of $0.8250 and 23% above the low of $0.1600 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $0.2805 is for.
Which stocks are comparable to AtlasClear Holdings, Inc.?
From the same area (Financial Services) we also value Morgan Stanley, a financial holding company,, 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 Sep 23, 2026: price $0.1970, calculated fair value $0.2805 (+42%), Quality Score 38/100, 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 four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $0.2805, 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 14.1 % above its aggregate fair value. AtlasClear Holdings, Inc. currently trades 42 % 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 Sep 23, 2026 was $0.1970. Our model-based fair value is $0.2805, about +42% 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 (38/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case ($0.2125). 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 $32.1M. 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 1.89 (last twelve months). 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 $−6.61. 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 66.0% (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 −24.7% (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 +65.2% 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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