AtlasClear Holdings, Inc. (ATCH) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Sep 16, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q3 FY2026, filed May 13, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the ATCH SEC filings page.
AtlasClear Holdings, Inc. (ATCH) reported $16.3M in revenue over the twelve months to Mar 31, 2026, up 50.3% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 3 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Reported earnings are positive even as core operations lose money and convert little profit into cash.
In FY2025, net income of$5.8M was 7.0x operating cash flow of$822K , so reported earnings converted weakly into cash. That gap coexisted with a negative operating margin of-45.3% , indicating the earnings result was not being produced by the core operating engine.
The balance-sheet cushion narrowed: current ratio fell from 4.6x in FY2023 to 0.9x in FY2025. At FY2025, liabilities exceeded assets and equity was negative at
Revenue expansion more than doubled from
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of AtlasClear Holdings, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
AtlasClear Holdings, Inc. earned a return on assets of 9.4% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 1.4% the prior year. Earnings ranks banks on that return over three years, and AtlasClear Holdings, Inc. scores 98/100 among other banks.
AtlasClear Holdings, Inc. reported revenue of $10.9M in fiscal year 2025, against $4.5M in fiscal year 2023. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and AtlasClear Holdings, Inc. scores 98/100 among other banks.
Capital measures the equity a bank holds against the assets on its books, which is what absorbs a bad year before depositors or policyholders feel it. AtlasClear Holdings, Inc. scores 1/100 on it among other banks.
Not available for AtlasClear Holdings, Inc., and counted as zero in the overall score.
Not available for AtlasClear Holdings, Inc., and counted as zero in the overall score.
AtlasClear Holdings, Inc. reported net income of $5.8M in fiscal year 2025, against $795K in fiscal year 2023. Stability ranks banks on how steady net income has been across five years, and AtlasClear Holdings, Inc. scores 26/100 among other banks.
AtlasClear Holdings, Inc. passes 4 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.
For every $1 of reported earnings, AtlasClear Holdings, Inc. generates $0.14 in operating cash flow ($822K OCF vs $5.8M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.
AtlasClear Holdings, Inc. reported an operating loss of $4.9M against $7.3M in interest expense. There is no operating profit to cover interest, so interest must be met from cash reserves or from financing rather than from operations.
Key Financial Metrics
Earnings & Revenue
AtlasClear Holdings, Inc. generated $4.2M in revenue in Q3 2026. This represents an increase of 65.2% from the same quarter a year earlier. Against the prior quarter it is down 16.9%.
AtlasClear Holdings, Inc. reported -$1.9M in net income in Q3 2026. This represents an increase of 33.5% from the same quarter a year earlier. Against the prior quarter it is down 128.5%.
AtlasClear Holdings, Inc. earned -$0.01 per diluted share (EPS) in Q3 2026. Against the prior quarter it is down 120.0%.
Not reported for Q3 2026.
Cash & Balance Sheet
AtlasClear Holdings, Inc. held $16.7M in cash against $13.6M in long-term debt as of Q3 2026.
Not reported for Q3 2026.
Not reported for Q3 2026.
Margins & Returns
AtlasClear Holdings, Inc.'s operating margin was -69.8% in Q3 2026, reflecting core business profitability. This is down 27.6 percentage points from the same quarter a year earlier. Against the prior quarter it is down 21.2 percentage points.
AtlasClear Holdings, Inc.'s net profit margin was -46.0% in Q3 2026, showing the share of revenue converted to profit. No change is given against Q3 2025: its reported ratio is below -100.0% of revenue, so it does not read as a share of revenue.
AtlasClear Holdings, Inc.'s ROE was -8.7% in Q3 2026, measuring profit generated per dollar of shareholder equity. Against the prior quarter it is down 40.0 percentage points.
Not reported for Q3 2026.
Capital Allocation
None of these metrics is reported for Q3 2026.
ATCH Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K/A |
|---|---|---|---|---|---|---|---|---|
| Revenue | $4.2M+65.2% | $5.1M+84.1% | $4.3M+51.6% | $2.8M+1.2% | $2.5M+100.1% | $2.7M | $2.8M | $2.7M |
| SG&A Expenses | $2.3M+50.3% | $2.8M+76.6% | $3.1M+144.2% | $1.7M+28.5% | $1.5M+50.2% | $1.6M | $1.3M | $1.4M |
| Operating Income | -$2.9M-173.5% | -$2.5M-113.7% | -$877K+6.8% | -$1.8M-339.9% | -$1.1M+92.3% | -$1.1M-87.8% | -$941K-46.9% | -$399K+30.9% |
| EBITDA | N/A | N/A | N/A | -$1.4M-2379.1% | -$720K+94.6% | -$789K | -$629K | -$56K |
| Interest Expense | $433K-84.4% | $2.8M+14563.8% | $1.4M-1.6% | $3.0M-5.5% | $2.8M+456.3% | $19K | $1.5M | $3.2M |
| Income Tax | -$196K+35.7% | $196K+329.6% | -$153K-803.5% | $108K+119.2% | -$304K-4970.2% | -$85K-2396.1% | $22K-84.6% | -$564K-277.1% |
| Net Income | -$1.9M+33.5% | $6.8M+1716.5% | -$440K-104.1% | -$1.7M+94.7% | -$2.9M+96.7% | -$420K-212.5% | $10.7M+4298.8% | -$31.6M-6614.0% |
| EPS (Basic) | -$0.01+99.2% | $0.05+104.5% | -$0.01-100.0% | N/A | -$1.25 | -$1.11 | $41.92 | N/A |
| EPS (Diluted) | -$0.01 | $0.05 | -$0.01 | N/A | -$1.25 | -$1.11 | -$1.90 | N/A |
| Diluted Shares (Avg) | 148M | 163M | 60M | N/A | 2M | 377,287 | 2M | N/A |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses.
ATCH Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K/A |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $73.9M+21.4% | $77.6M+38.6% | $73.6M+31.5% | $60.9M+6.0% | $60.9M-20.3% | $56.0M+1.0% | $56.0M | $57.5M-2.0% |
| Current Assets | $46.9M+58.0% | $51.8M+71.2% | $47.2M+57.7% | $34.9M+18.0% | $29.7M-7.4% | $30.3M-45.5% | $29.9M | $29.6M+2341.7% |
| Cash & Equivalents | $16.7M+113.8% | $23.1M+235.5% | $2.7M-60.5% | $7.5M+14.9% | $7.8M+8.6% | $6.9M+1010.4% | $6.8M+856.4% | $6.6M+478.9% |
| Short-Term Investments | $0-100.0% | $0-100.0% | $0-100.0% | $0-100.0% | $54-1.8% | $54-100.0% | $55 | $55 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0-100.0% | $0 | $0-100.0% |
| Goodwill | $6.1M0.0% | $6.1M0.0% | $6.1M0.0% | $6.1M-20.3% | $6.1M | $6.1M | $6.1M | $7.7M |
| Total Liabilities | $51.7M-25.1% | $55.9M-29.4% | $66.8M-15.6% | $67.7M-29.2% | $69.0M-14.3% | $79.2M+18.2% | $79.2M | $95.6M+43.6% |
| Current Liabilities | $30.8M-26.5% | $33.2M-12.0% | $49.6M+34.1% | $41.0M-20.1% | $42.0M-10.1% | $37.7M+212.5% | $37.0M | $51.3M+463.1% |
| Non-Current Liabilities | $20.8M-22.9% | $22.8M-45.2% | $17.1M-59.3% | $26.7M-39.7% | $27.0M-20.0% | $41.5M-24.4% | $42.2M | $44.3M-22.9% |
| Long-Term Debt | $13.6M+5163.7% | N/A | N/A | $11.6M | $259K | $8.1M | N/A | N/A |
| Total Equity | $22.3M+259.5% | $21.7M+193.5% | $6.9M+129.6% | -$6.8M+82.2% | -$14.0M-106.6% | -$23.2M-101.5% | -$23.2M-108.4% | -$38.1M-381.5% |
| Retained Earnings | -$135.5M+3.8% | -$133.6M+3.2% | -$143.0M-4.0% | -$142.5M+3.9% | -$140.8M-39.1% | -$137.9M-1098.1% | -$137.5M | -$148.3M-1773.4% |
Not reported in any period shown, so not listed: Inventory, Accounts Receivable.
ATCH Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K/A |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$4.0M-120.2% | $1.5M+155.8% | -$2.5M-1523.8% | $1.9M-11.7% | -$1.8M+86.4% | $586K+247.8% | $176K+127.5% | $2.1M+17105.5% |
| Depreciation & Amortization | N/A | N/A | N/A | $354K+3.5% | $353K-22.8% | $360K | $312K | $342K |
| Stock-Based Compensation | $1.2M | $1.2M | $155K+5928.4% | N/A | N/A | N/A | $3K | N/A |
| Investing Cash Flow | $0 | $0+100.0% | -$65K0.0% | -$20K+98.3% | $0-100.0% | -$60K+87.5% | -$65K-101.6% | -$1.2M-121.9% |
| Financing Cash Flow | -$1.0M-223.6% | $12.5M+3333.8% | $5.1M+3364.3% | $263K+121.8% | $847K+102.1% | $365K-53.4% | $148K+103.8% | -$1.2M-583.6% |
Not reported in any period shown, so not listed: Capital Expenditures, Free Cash Flow, Dividends Paid, Share Buybacks.
ATCH Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K/A |
|---|---|---|---|---|---|---|---|---|
| Operating Margin | -69.8%-27.6pp | -48.5%-6.7pp | -20.6%+12.9pp | -63.5%-48.9pp | -42.2% | -41.8% | -33.6% | -14.6% |
| Net Margin | -46.0% | 134.1% | -10.4% | -60.6% | -114.1% | -15.3% | 383.3% | -1158.3% |
| Return on Equity | -8.7% | 31.3% | -6.4% | N/A | N/A | N/A | N/A | N/A |
| Return on Assets | -2.6%+2.2pp | 8.7%+9.5pp | -0.6%-19.8pp | -2.8%+52.3pp | -4.8%+111.2pp | -0.8%-1.4pp | 19.2% | -55.0%-55.9pp |
| Current Ratio | 1.52+0.8x | 1.56+0.8x | 0.95+0.1x | 0.85+0.3x | 0.710.0x | 0.80-3.8x | 0.81 | 0.58+0.4x |
| Debt-to-Equity | 0.61 | 2.58 | 9.74 | N/A | N/A | N/A | N/A | N/A |
| Asset Turnover | 0.060.0x | 0.070.0x | 0.060.0x | 0.050.0x | 0.040.0x | 0.05 | 0.05 | 0.05 |
Not reported in any period shown, so not listed: Gross Margin, FCF Margin.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Net Margin.
Note: Shareholder equity is negative (-$6.8M), which causes debt-to-equity and return on equity ratios to appear negative or not meaningful. This can occur from accumulated losses or large share buyback programs.
Note: The current ratio is below 1.0 (0.85), indicating current liabilities exceed current assets, which may suggest potential short-term liquidity concerns.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| AtlasClear Holdings, Inc. ATCH | FY2025 | $10.9M | $5.8M | 53.0% | $24.1M | 37/100 |
| CEMTREX INC. CETX | FY2025 | $76.5M | -$28.1M | -36.8% | $4.1M | 46/100 |
| Taoping Inc. BVI TAOP | FY2025 | $30.8M | -$10.1M | -32.6% | $7.1M | 25/100 |
| The OLB Group, Inc. OLB | FY2025 | $8.7M | -$5.9M | -67.7% | $5.2M | 18/100 |
| Ryvyl Inc. RVYL | FY2025 | $11.1M | -$17.5M | N/A | $10.0M | 28/100 |
| Brand Engagement Network Inc. BNAI | FY2025 | $275K | -$8.6M | N/A | $52.5M | — |
Where AtlasClear Holdings, Inc. Ranks
Frequently Asked Questions
What is AtlasClear Holdings, Inc.'s annual revenue?
AtlasClear Holdings, Inc. (ATCH) reported $10.9M in total revenue for fiscal year 2025. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
Is AtlasClear Holdings, Inc. profitable?
Yes, AtlasClear Holdings, Inc. (ATCH) reported a net income of $5.8M in fiscal year 2025, with a net profit margin of 53.0%.
What is AtlasClear Holdings, Inc.'s EBITDA?
AtlasClear Holdings, Inc. (ATCH) had EBITDA of -$3.5M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
How much debt does AtlasClear Holdings, Inc. have?
As of fiscal year 2025, AtlasClear Holdings, Inc. (ATCH) had $7.5M in cash and equivalents against $11.6M in long-term debt.
What is AtlasClear Holdings, Inc.'s operating margin?
AtlasClear Holdings, Inc. (ATCH) had an operating margin of -45.3% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.
What is AtlasClear Holdings, Inc.'s net profit margin?
AtlasClear Holdings, Inc. (ATCH) had a net profit margin of 53.0% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is AtlasClear Holdings, Inc.'s operating cash flow?
AtlasClear Holdings, Inc. (ATCH) generated $822K in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are AtlasClear Holdings, Inc.'s total assets?
AtlasClear Holdings, Inc. (ATCH) had $60.9M in total assets as of fiscal year 2025, including both current and long-term assets.
What is AtlasClear Holdings, Inc.'s current ratio?
AtlasClear Holdings, Inc. (ATCH) had a current ratio of 0.85 as of fiscal year 2025, which is below 1.0, which may suggest potential liquidity concerns.
What is AtlasClear Holdings, Inc.'s return on assets (ROA)?
AtlasClear Holdings, Inc. (ATCH) had a return on assets of 9.4% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is AtlasClear Holdings, Inc.'s P/E ratio?
AtlasClear Holdings, Inc. (ATCH) trades at 8.8x earnings, its market capitalization divided by net income of $2.7M net income, trailing 12 months to March 31, 2026. The market capitalization is $24.1M as of Sep 16, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is AtlasClear Holdings, Inc.'s price-to-sales ratio?
AtlasClear Holdings, Inc. (ATCH) trades at 1.5x sales, its market capitalization divided by revenue of $16.3M revenue, trailing 12 months to March 31, 2026. The market capitalization is $24.1M as of Sep 16, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
Why is AtlasClear Holdings, Inc.'s debt-to-equity ratio negative or not reported?
AtlasClear Holdings, Inc. (ATCH) has negative shareholder equity of -$6.8M as of fiscal year 2025, so no debt-to-equity ratio is reported: dividing debt by equity that is not positive produces a number that cannot be read as leverage. This can occur when accumulated losses exceed invested capital, or after large share buyback programs. Other solvency metrics like the current ratio or interest coverage may be more informative.
What is AtlasClear Holdings, Inc.'s Piotroski F-Score?
AtlasClear Holdings, Inc. (ATCH) has a Piotroski F-Score of 4 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are AtlasClear Holdings, Inc.'s earnings high quality?
AtlasClear Holdings, Inc. (ATCH) has an earnings quality ratio of 0.14x, considered low quality (accrual-driven). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
Can AtlasClear Holdings, Inc. cover its interest payments?
AtlasClear Holdings, Inc. (ATCH) reported an operating loss of $4.9M against $7.3M in interest expense. There is no operating profit to cover interest, so interest must be met from cash reserves or from financing rather than from operations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.
How financially healthy is AtlasClear Holdings, Inc.?
AtlasClear Holdings, Inc. (ATCH) scores 37 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.