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ATLANTIC AMERICAN CORP (AAME) Stock Fundamental Analysis

NASDAQ:AAME - Nasdaq - US0482091008 - Common Stock - Currency: USD

2.34  -0.02 (-0.85%)

After market: 2.22 -0.12 (-5.13%)

Fundamental Rating

1

Overall AAME gets a fundamental rating of 1 out of 10. We evaluated AAME against 144 industry peers in the Insurance industry. AAME has a bad profitability rating. Also its financial health evaluation is rather negative. AAME has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

AAME had negative earnings in the past year.
In the past year AAME had a positive cash flow from operations.
In multiple years AAME reported negative net income over the last 5 years.
AAME had a positive operating cash flow in each of the past 5 years.
AAME Yearly Net Income VS EBIT VS OCF VS FCFAAME Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5M 10M 15M

1.2 Ratios

AAME has a worse Return On Assets (-0.48%) than 84.72% of its industry peers.
With a Return On Equity value of -1.82%, AAME is not doing good in the industry: 84.72% of the companies in the same industry are doing better.
AAME's Return On Invested Capital of 0.35% is on the low side compared to the rest of the industry. AAME is outperformed by 64.58% of its industry peers.
Industry RankSector Rank
ROA -0.48%
ROE -1.82%
ROIC 0.35%
ROA(3y)-0.35%
ROA(5y)0.57%
ROE(3y)-1.38%
ROE(5y)1.35%
ROIC(3y)N/A
ROIC(5y)N/A
AAME Yearly ROA, ROE, ROICAAME Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2 -2 4 -4 6 8

1.3 Margins

AAME has a Operating Margin of 0.84%. This is amonst the worse of the industry: AAME underperforms 84.03% of its industry peers.
AAME does not have Profit Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM 0.84%
PM (TTM) N/A
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
AAME Yearly Profit, Operating, Gross MarginsAAME Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2 -2 4 6 8

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2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), AAME is destroying value.
Compared to 1 year ago, AAME has about the same amount of shares outstanding.
Compared to 5 years ago, AAME has less shares outstanding
Compared to 1 year ago, AAME has an improved debt to assets ratio.
AAME Yearly Shares OutstandingAAME Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M
AAME Yearly Total Debt VS Total AssetsAAME Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

2.2 Solvency

AAME has a debt to FCF ratio of 4.22. This is a neutral value as AAME would need 4.22 years to pay back of all of its debts.
AAME has a Debt to FCF ratio of 4.22. This is in the lower half of the industry: AAME underperforms 63.19% of its industry peers.
AAME has a Debt/Equity ratio of 0.37. This is a healthy value indicating a solid balance between debt and equity.
AAME has a Debt to Equity ratio (0.37) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.37
Debt/FCF 4.22
Altman-Z N/A
ROIC/WACC0.03
WACC10.39%
AAME Yearly LT Debt VS Equity VS FCFAAME Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
AAME Yearly Current Assets VS Current LiabilitesAAME Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

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3. Growth

3.1 Past

The earnings per share for AAME have decreased strongly by -60.63% in the last year.
Looking at the last year, AAME shows a small growth in Revenue. The Revenue has grown by 2.04% in the last year.
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)-60.63%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%133.56%
Revenue 1Y (TTM)2.04%
Revenue growth 3Y-1.94%
Revenue growth 5Y-1.03%
Sales Q2Q%6.66%

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.
AAME Yearly Revenue VS EstimatesAAME Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

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1

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for AAME. In the last year negative earnings were reported.
Industry RankSector Rank
PE N/A
Fwd PE N/A
AAME Price Earnings VS Forward Price EarningsAAME Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0 0 0 0 0 0 0

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, AAME is valued a bit more expensive than the industry average as 66.67% of the companies are valued more cheaply.
Based on the Price/Free Cash Flow ratio, AAME is valued a bit cheaper than the industry average as 68.75% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 5.34
EV/EBITDA 25.5
AAME Per share dataAAME EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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2

5. Dividend

5.1 Amount

With a yearly dividend of 0.99%, AAME is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.51, AAME is paying slightly less dividend.
With a Dividend Yield of 0.99, AAME pays less dividend than the S&P500 average, which is at 2.42.
Industry RankSector Rank
Dividend Yield 0.99%

5.2 History

The dividend of AAME has a limited annual growth rate of 0.15%.
AAME has paid a dividend for at least 10 years, which is 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
AAME Yearly Dividends per shareAAME Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2021 2022 2023 2024 2025 0.01 0.01 0.02

5.3 Sustainability

The earnings of AAME are negative and hence is the payout ratio. AAME will probably not be able to sustain this dividend level.
DP-43.22%
EPS Next 2YN/A
EPS Next 3YN/A
AAME Yearly Income VS Free CF VS DividendAAME Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5M 10M

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ATLANTIC AMERICAN CORP

NASDAQ:AAME (7/3/2025, 8:25:36 PM)

After market: 2.22 -0.12 (-5.13%)

2.34

-0.02 (-0.85%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)05-20 2025-05-20
Earnings (Next)08-12 2025-08-12
Inst Owners5.37%
Inst Owner Change-1.84%
Ins Owners5.64%
Ins Owner Change0%
Market Cap47.74M
Analysts0
Price TargetN/A
Short Float %0.11%
Short Ratio0.47
Dividend
Industry RankSector Rank
Dividend Yield 0.99%
Yearly Dividend0.04
Dividend Growth(5Y)0.15%
DP-43.22%
Div Incr Years0
Div Non Decr Years4
Ex-Date04-09 2025-04-09 (0.02)
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 RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.25
P/FCF 5.34
P/OCF 5.08
P/B 0.47
P/tB 0.48
EV/EBITDA 25.5
EPS(TTM)-0.09
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.44
FCFY18.74%
OCF(TTM)0.46
OCFY19.69%
SpS9.38
BVpS5.02
TBVpS4.89
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.48%
ROE -1.82%
ROCE 0.45%
ROIC 0.35%
ROICexc 0.39%
ROICexgc 0.44%
OM 0.84%
PM (TTM) N/A
GM N/A
FCFM 4.68%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score4
Asset Turnover0.49
Health
Industry RankSector Rank
Debt/Equity 0.37
Debt/FCF 4.22
Debt/EBITDA 19.41
Cap/Depr 136.36%
Cap/Sales 0.24%
Interest Coverage 0.48
Cash Conversion 483.14%
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC10.39%
ROIC/WACC0.03
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)-60.63%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%133.56%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.04%
Revenue growth 3Y-1.94%
Revenue growth 5Y-1.03%
Sales Q2Q%6.66%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-23.78%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y236.35%
FCF growth 3Y67.13%
FCF growth 5YN/A
OCF growth 1Y229.72%
OCF growth 3Y63.91%
OCF growth 5YN/A