2.55 USD
-0.07 (-2.67%)
3.11 USD
+0.56 (+21.96%)
AAME gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 148 industry peers in the Insurance industry. AAME may be in some trouble as it scores bad on both profitability and health. AAME has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year AAME was profitable.
In the past year AAME had a positive cash flow from operations.
The reported net income has been mixed in the past 5 years: AAME reported negative net income in multiple years.
Each year in the past 5 years AAME had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 1.09%, AAME is not doing good in the industry: 61.49% of the companies in the same industry are doing better.
The Return On Equity of AAME (4.30%) is worse than 75.00% of its industry peers.
The Return On Invested Capital of AAME (1.93%) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.09% | ||
| ROE | 4.3% | ||
| ROIC | 1.93% |
ROA(3y)-0.35%
ROA(5y)0.57%
ROE(3y)-1.38%
ROE(5y)1.35%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 2.26%, AAME is doing worse than 80.41% of the companies in the same industry.
AAME has a worse Operating Margin (4.67%) than 80.41% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 4.67% | ||
| PM (TTM) | 2.26% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), AAME is destroying value.
The number of shares outstanding for AAME remains at a similar level compared to 1 year ago.
The number of shares outstanding for AAME has been reduced compared to 5 years ago.
AAME has a better debt/assets ratio than last year.
2.2 Solvency
AAME has a debt to FCF ratio of 1.56. This is a very positive value and a sign of high solvency as it would only need 1.56 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.56, AAME is in line with its industry, outperforming 56.08% of the companies in the same industry.
A Debt/Equity ratio of 0.34 indicates that AAME is not too dependend on debt financing.
AAME's Debt to Equity ratio of 0.34 is in line compared to the rest of the industry. AAME outperforms 47.30% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.34 | ||
| Debt/FCF | 1.56 | ||
| Altman-Z | N/A |
ROIC/WACC0.24
WACC8.17%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 161.69% over the past year.
AAME shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.99%.
Measured over the past years, AAME shows a decrease in Revenue. The Revenue has been decreasing by -1.03% on average per year.
EPS 1Y (TTM)161.69%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%122.76%
Revenue 1Y (TTM)11.99%
Revenue growth 3Y-1.94%
Revenue growth 5Y-1.03%
Sales Q2Q%20.75%
3.2 Future
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 11.59, which indicates a very decent valuation of AAME.
AAME's Price/Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Earnings ratio of 26.57, AAME is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.59 | ||
| Fwd PE | N/A |
4.2 Price Multiples
74.32% of the companies in the same industry are more expensive than AAME, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, AAME is valued cheaply inside the industry as 87.84% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.15 | ||
| EV/EBITDA | 5.64 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a yearly dividend of 0.82%, AAME is not a good candidate for dividend investing.
AAME's Dividend Yield is slightly below the industry average, which is at 2.30.
Compared to an average S&P500 Dividend Yield of 1.88, AAME's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.82% |
5.2 History
The dividend of AAME has a limited annual growth rate of 0.15%.
AAME has been paying a dividend for at least 10 years, so it has a reliable track record.
AAME has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)0.15%
Div Incr Years0
Div Non Decr Years4
5.3 Sustainability
17.14% of the earnings are spent on dividend by AAME. This is a low number and sustainable payout ratio.
DP17.14%
EPS Next 2YN/A
EPS Next 3YN/A
2.55
-0.07 (-2.67%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners5.16%
Inst Owner Change-4.82%
Ins Owners5.64%
Ins Owner Change0%
Market Cap52.02M
Revenue(TTM)208.22M
Net Income(TTM)4.71M
Analysts0
Price TargetN/A
Short Float %0.09%
Short Ratio0.15
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.82% |
Yearly Dividend0.04
Dividend Growth(5Y)0.15%
DP17.14%
Div Incr Years0
Div Non Decr Years4
Ex-Date
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.59 | ||
| Fwd PE | N/A | ||
| P/S | 0.25 | ||
| P/FCF | 2.15 | ||
| P/OCF | 2.1 | ||
| P/B | 0.48 | ||
| P/tB | 0.49 | ||
| EV/EBITDA | 5.64 |
EPS(TTM)0.22
EY8.63%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.19
FCFY46.61%
OCF(TTM)1.22
OCFY47.7%
SpS10.21
BVpS5.37
TBVpS5.24
PEG (NY)N/A
PEG (5Y)N/A
Graham Number5.15
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.09% | ||
| ROE | 4.3% | ||
| ROCE | 2.45% | ||
| ROIC | 1.93% | ||
| ROICexc | 2.12% | ||
| ROICexgc | 2.33% | ||
| OM | 4.67% | ||
| PM (TTM) | 2.26% | ||
| GM | N/A | ||
| FCFM | 11.65% |
ROA(3y)-0.35%
ROA(5y)0.57%
ROE(3y)-1.38%
ROE(5y)1.35%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.48
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.34 | ||
| Debt/FCF | 1.56 | ||
| Debt/EBITDA | 3.75 | ||
| Cap/Depr | 163.01% | ||
| Cap/Sales | 0.27% | ||
| Interest Coverage | 3.05 | ||
| Cash Conversion | 246.51% | ||
| Profit Quality | 515.02% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC8.17%
ROIC/WACC0.24
Cap/Depr(3y)29.45%
Cap/Depr(5y)17.98%
Cap/Sales(3y)0.08%
Cap/Sales(5y)0.08%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)161.69%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%122.76%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)11.99%
Revenue growth 3Y-1.94%
Revenue growth 5Y-1.03%
Sales Q2Q%20.75%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y278.07%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y379.19%
FCF growth 3Y67.13%
FCF growth 5YN/A
OCF growth 1Y380.83%
OCF growth 3Y63.91%
OCF growth 5YN/A
ATLANTIC AMERICAN CORP / AAME FAQ
What is the fundamental rating for AAME stock?
ChartMill assigns a fundamental rating of 3 / 10 to AAME.
What is the valuation status for AAME stock?
ChartMill assigns a valuation rating of 4 / 10 to ATLANTIC AMERICAN CORP (AAME). This can be considered as Fairly Valued.
Can you provide the profitability details for ATLANTIC AMERICAN CORP?
ATLANTIC AMERICAN CORP (AAME) has a profitability rating of 2 / 10.
Can you provide the PE and PB ratios for AAME stock?
The Price/Earnings (PE) ratio for ATLANTIC AMERICAN CORP (AAME) is 11.59 and the Price/Book (PB) ratio is 0.48.