ATLASCLEAR HLDGS INC WTS (ATCHW) Financials
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 ATCHW SEC filings page.
ATLASCLEAR HLDGS INC WTS (ATCHW) 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).
AtlasClear’s dominant mechanic is revenue expansion that narrows operating losses without yet producing dependable operating earnings.
From FY2023 to FY2025, revenue more than doubled while operating margin improved from-60.5% to-45.3% , yet operating income remained negative: scale has narrowed, not eliminated, the cost burden. In FY2025, net income of$5.8M contrasted with operating cash flow of$822K , so bottom-line earnings were not a close proxy for cash generated by operations.
The balance sheet is structurally thin: liabilities exceeded assets in FY2025, leaving negative equity, while the current ratio fell from 4.6x in FY2023 to 0.9x. That combination indicates both long-term balance-sheet pressure and a much smaller short-term asset cushion.
FY2025 interest expense was
Financial Health Signals
ATLASCLEAR HLDGS INC WTS does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.
ATLASCLEAR HLDGS INC WTS 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 HLDGS INC WTS 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 HLDGS INC WTS 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 HLDGS INC WTS 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 HLDGS INC WTS 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 HLDGS INC WTS 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 HLDGS INC WTS 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 HLDGS INC WTS'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 HLDGS INC WTS'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 HLDGS INC WTS'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.
ATCHW 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 |
|---|---|---|---|---|---|---|---|---|
| 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.
ATCHW 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 |
|---|---|---|---|---|---|---|---|---|
| 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.
ATCHW 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 |
|---|---|---|---|---|---|---|---|---|
| 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.
ATCHW 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 |
|---|---|---|---|---|---|---|---|---|
| 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.
Where ATLASCLEAR HLDGS INC WTS Ranks
Frequently Asked Questions
What is ATLASCLEAR HLDGS INC WTS's annual revenue?
ATLASCLEAR HLDGS INC WTS (ATCHW) 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 HLDGS INC WTS profitable?
Yes, ATLASCLEAR HLDGS INC WTS (ATCHW) reported a net income of $5.8M in fiscal year 2025, with a net profit margin of 53.0%.
What is ATLASCLEAR HLDGS INC WTS's EBITDA?
ATLASCLEAR HLDGS INC WTS (ATCHW) had EBITDA of -$3.5M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
How much debt does ATLASCLEAR HLDGS INC WTS have?
As of fiscal year 2025, ATLASCLEAR HLDGS INC WTS (ATCHW) had $7.5M in cash and equivalents against $11.6M in long-term debt.
What is ATLASCLEAR HLDGS INC WTS's operating margin?
ATLASCLEAR HLDGS INC WTS (ATCHW) 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 HLDGS INC WTS's net profit margin?
ATLASCLEAR HLDGS INC WTS (ATCHW) 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 HLDGS INC WTS's operating cash flow?
ATLASCLEAR HLDGS INC WTS (ATCHW) generated $822K in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are ATLASCLEAR HLDGS INC WTS's total assets?
ATLASCLEAR HLDGS INC WTS (ATCHW) had $60.9M in total assets as of fiscal year 2025, including both current and long-term assets.
What is ATLASCLEAR HLDGS INC WTS's current ratio?
ATLASCLEAR HLDGS INC WTS (ATCHW) 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 HLDGS INC WTS's return on assets (ROA)?
ATLASCLEAR HLDGS INC WTS (ATCHW) had a return on assets of 9.4% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
Why is ATLASCLEAR HLDGS INC WTS's debt-to-equity ratio negative or not reported?
ATLASCLEAR HLDGS INC WTS (ATCHW) 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 HLDGS INC WTS's Piotroski F-Score?
ATLASCLEAR HLDGS INC WTS (ATCHW) 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 HLDGS INC WTS's earnings high quality?
ATLASCLEAR HLDGS INC WTS (ATCHW) 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 HLDGS INC WTS cover its interest payments?
ATLASCLEAR HLDGS INC WTS (ATCHW) 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.