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ZYBERNO

Stock Report

Updated Sep 1, 2026

AtlasClear Holdings, Inc. (ATCH)

Financial Services • NYSE

$0.19

Professional Investment Analysis

ZYBERNO SCORE →

Is it a great business? Is it getting better?

39.0/100

WEAK BUSINESS

AtlasClear Holdings, Inc. (ATCH) scores 39/100 — weak fundamentals with mixed indicators requiring careful analysis before acting.

📊 How is the Zyberno Score calculated? +

The Zyberno Score answers one question: "Is this a quality business worth owning?" It's a 0-100 investment grade that evaluates business fundamentals across four critical dimensions, based on principles from Warren Buffett, Benjamin Graham, Peter Lynch, and Charlie Munger.

The 4 Core Categories (25 points each):

1. PROFITABILITY (25 pts)

Metrics: ROE, ROIC, Net Margin, Operating Margin
Thresholds: ROE >20% excellent • ROIC >20% excellent • Net Margin >20% excellent • Operating Margin >25% excellent

2. FINANCIAL STRENGTH (25 pts)

Metrics: Debt-to-Equity, Current Ratio, Interest Coverage, Altman Z-Score
Thresholds: D/E <0.3 excellent • Current Ratio >2.5 excellent • Interest Coverage >10x excellent • Altman Z >3.0 safe

3. CASH FLOW QUALITY (25 pts)

Metrics: Free Cash Flow, OCF vs Net Income, FCF Margin
Thresholds: Positive & growing FCF excellent • OCF/NI >1.2x excellent (cash earnings exceed accounting)

4. GROWTH & CONSISTENCY (25 pts)

Metrics: Revenue Growth, Net Income Growth, FCF Growth, Piotroski F-Score
Thresholds: Growth via log-linear regression • Piotroski 8-9 excellent, 6-7 good

Score Interpretation:

75-100

GREAT BUSINESS

65-74

GOOD BUSINESS

50-64

AVERAGE BUSINESS

30-49

WEAK BUSINESS

0-29

POOR BUSINESS

→ View full ATCH quality analysis & detailed breakdown

VALUATION SIGNAL

N/A (Requires more data)

Requires fair value calculation and current price data

💰 How is Margin of Safety calculated? +

Margin of Safety measures how much discount or premium you're paying relative to a stock's intrinsic value. It's Benjamin Graham's core principle: the larger the margin, the lower your downside risk.

Formula: (Intrinsic Value − Current Price) ÷ Intrinsic Value × 100%

How We Calculate Intrinsic Value (DCF Method):

Step 1: Calculate current Owner Earnings (OCF − Maintenance CapEx)

Step 2: Calculate company-specific growth rate using log-linear regression on 16 quarters of Owner Earnings

Step 3: Project 10 years forward using the calculated growth rate

Step 4: Discount each year's cash flow to present value using 10% discount rate

Step 5: Calculate terminal value using 3% perpetual growth rate

Step 6: Sum all discounted cash flows = Intrinsic Value

What The Percentages Mean:

+50% or more

EXCELLENT — Very undervalued

+25% to +50%

GOOD — Attractive discount

0% to +25%

FAIR — Reasonable value

0% to -25%

CAUTION — Slight premium

-25% or worse

POOR — Overvalued

"Price is what you pay, value is what you get." — Warren Buffett

→ View full ATCH valuation analysis · → View full ATCH Brina Gap analysis

📈 How is Brina Gap calculated? +

Brina Gap measures the difference between the growth a business can fundamentally sustain and the growth the market is already pricing in.

Formula: Fundamental Growth Rate − Market-Implied Growth Rate

The Two Components:

Fundamental Growth Rate = ROIC × Reinvestment Rate

What the business can sustainably grow at based on how much it reinvests and what return it earns on that capital. Grounded in historical financials.

Market-Implied Growth Rate = Reverse DCF

The growth rate the current Enterprise Value implicitly assumes. Calculated by back-solving a 10-year DCF model (10% WACC, 3% terminal growth) until the present value of projected cash flows equals EV.

What The Gap Means:

Gap > +5% Market Underestimates — potential upside

+2% to +5% Slight Underestimate

-2% to +2% Fairly Priced — market consensus matches fundamentals

-5% to -2% Slight Overestimate

Gap < -5% Market Overestimates — price embeds optimism fundamentals don't support

A positive gap (market underestimates) combined with a positive Margin of Safety is the strongest combined signal — the business is both cheap historically and forward economics are stronger than the price suggests.

Critical Financial Health Indicators

Return on Equity (Profitability):EXCELLENT (118.8%)

Debt-to-Equity (Solvency Risk):AVERAGE (0.64x)

Operating Margin (Operational Efficiency):CRITICAL (-49.3%)

Return on Capital (Capital Efficiency):CRITICAL (-29.3%)

📊 Valuation Trilogy

Three interconnected metrics for complete valuation analysis

Click any metric for full methodology and detailed analysis

Zyberno's Verdict

AtlasClear Holdings, Inc. (ATCH) stock report — Zyberno Score 39/100 (WEAK BUSINESS). Full financial analysis on Zyberno.

DIVISION I: EXECUTIVE SUMMARY

A. Market Valuation

Market Price & Capitalization (2)

Current Price:0.19

Market Cap:$27.78M

Valuation Multiples (3)

P/B Ratio:1.25x

P/S Ratio:1.71x

Peg Ratio:-999.00x

Enterprise Metrics (1)

Enterprise Value:$26.03M

Price Action & Momentum (1)

% of 52-Week High:9.8%

B. Profitability Assessment

Return Metrics (5)

ROE:

118.8%

📊 Click to view full ATCH ROE analysis →

ROA:18.3%

Roic:

-29.3%

📊 Click to view full ATCH ROIC analysis →

Reinvestment Rate:22.7%

Fundamental Growth Rate (g):-6.6%

Margin Analysis (3)

Operating Margin Ttm:-49.3%

Net Margin Ttm:80.3%

Ebitda Margin:-34.3%

TTM Performance (2)

Operating Margin Ttm:-49.3%

Net Margin Ttm:80.3%

Yield Metrics (2)

Earnings Yield:-$999.00

Dividend Yield:0.0%

C. Log-Linear Regression Growth Trends

Revenue Growth (Linear) (1)

Revenue Growth Rate (Linear):64.6%

D. Financial Stability

Liquidity Ratios (3)

Current Ratio:1.52x

Quick Ratio:1.52x

Cash Ratio:0.54x

Leverage Analysis (3)

Debt To Equity Ttm:0.64x

Debt-to-Equity Ratio:0.64x

Debt To Ebitda:-999.00x

Coverage Ratios (2)

Interest Coverage Ratio:-0.84x

Times Interest Earned:-0.84

Capital Structure (4)

Working Capital:16,099,680.00

Cash And Cash Equivalents:16,706,099.00

Long Term Debt:$13.64M

Net Debt:-$1.75M

DIVISION II: FINANCIAL STATEMENTS ANALYSIS

A. Income Statement Analysis

Revenue Components (2)

Revenue TTM: $16.27M

Linear Growth: 64.6%

📊 Click to view full ATCH Revenue analysis & methodology →

Cost Of Revenue Ttm:$0.00

Profitability Breakdown (2)

$0.00-$8.02M

Bottom Line Performance (3)

$13.07M

Income Before Tax:$12.96M

Ebitda Ttm:-5,582,099.00

Operating Expenses (5)

Operating Expenses:24,292,739.00

R And D Expense:0.00

Sga Expense:0.00

Income Tax Expense:-$107.74K

Interest Expense:5,837,223.00

Expense Ratios (3)

R And D To Revenue Percentage:0.0%

Sga To Revenue Percentage:0.0%

Ebitda Margin:-34.3%

B. Balance Sheet Analysis

Asset Composition (5)

Total Assets:$73.92M

Current Assets:$46.92M

Ppe Net:376,048.00

Goodwill:6,142,525.00

Intangible Assets:$12.02M

Liability Structure (4)

Total Liabilities:51,657,227.00

Current Liabilities:30,820,905.00

Long Term Debt:$13.64M

Short Term Debt:$1.32M

Equity & Capital (3)

Equity:$22.26M

Retained Earnings:-$135.50M

Common Stock:500,000,000.00

Working Capital Items (3)

Accounts Receivable:0.00

Inventory:0.00

Accounts Payable:2,623,346.00

Special Items (2)

Contract Liabilities:0.00

Stock Based Compensation:1,154,829.00

C. Cash Flow Analysis

Operating Activities (2)

-$1.85M$0.00

Investment Activities (1)

Investing Cash Flow:-$65.00K

Financing Activities (3)

Financing Cash Flow:$5.14M

Dividends Paid Ttm:0.00

Stock Repurchase:334,062.00

Capital Transactions (3)

Common Stock Issuance:1,870,381.00

Long Term Debt Issuance:$0.00

Long Term Debt Repayments:$0.00

Non-Cash Items (1)

Depreciation Amortization Ttm:2,438,176.00

DIVISION III: OPERATIONAL METRICS

A. Per Share Analysis

Earnings Per Share (1)

Earnings Per Share Ttm:$0.09

Revenue & Cash Per Share (2)

Sales Per Share Ttm:0.11

Operating Cash Flow Per Share:$0.01

Book Value & Capital (2)

Book Value Per Share:$0.15

Cash Per Share:0.11

Dividend Policy (1)

Dividend Payout Ratio:0.00x

B. Operational Efficiency

Asset Utilization (2)

Asset Turnover Ttm:0.23x

Working Capital Turnover Ttm:1.01x

Receivables Management (2)

Receivables Turnover Ttm:-999.00x

Days Sales Outstanding Ttm:-999.00

Inventory Management (2)

Inventory Turnover Ttm:-999.00x

Days Inventory Outstanding Ttm:-999.00

Payables & Cash Cycle (2)

Days Payable Outstanding:58.84

Cash Conversion Cycle:-2,056.84

C. Quality & Risk Metrics

Financial Quality Scores (2)

Financial Strength Score:60.00

Quality Score:70.00

Market Metrics (2)

Beta:0.00x

Volatility Category:unknown

DIVISION IV: INVESTMENT ANALYSIS

A. Value Investment Framework

Damodaran Growth Analysis (2)

Reinvestment Rate:22.7%

Fundamental Growth Rate (g):-6.6%

B. Log-Linear Regression Growth Analysis

Growth Rates (Log-Linear Regression) (1)

Revenue Growth Rate (Linear):64.6%

C. Company Profile & Context

Corporate Information (6)

Symbol:ATCH

Company Name:AtlasClear Holdings, Inc.

Sector:Financial Services

Industry:Finance Services

Exchange:NYSE

Country:United States

Market Classification (3)

Market Cap Category:N/A

Price Category:penny

Volume Category:N/A

Share Structure (3)

Shares Outstanding:148.00M

Shares Outstanding Basic:148.00M

Shares Outstanding Diluted:148.00M

Data Processing Info (3)

Processing Version:v3.0

Last Updated:2026-09-01 07:28:20 UTC

Data Timestamp:2026-08-20T19:29:22.829245