ATLANTIC AMERICAN CORP (AAME) Fundamental Analysis & Valuation

NASDAQ:AAME • US0482091008

Current stock price

2.77 USD
-0.02 (-0.72%)
Last:

This AAME fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. AAME Profitability Analysis

1.1 Basic Checks

  • AAME had positive 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.
  • Each year in the past 5 years AAME had a positive operating cash flow.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5M 10M 15M

1.2 Ratios

  • AAME has a Return On Assets (1.09%) which is in line with its industry peers.
  • With a Return On Equity value of 4.30%, AAME is not doing good in the industry: 73.83% of the companies in the same industry are doing better.
  • AAME has a Return On Invested Capital (1.93%) which is comparable to the rest of the industry.
Industry RankSector 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
AAME Yearly ROA, ROE, ROICAAME Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2 -2 4 -4 6 8

1.3 Margins

  • AAME has a worse Profit Margin (2.26%) than 77.85% of its industry peers.
  • With a Operating Margin value of 4.67%, AAME is not doing good in the industry: 79.19% of the companies in the same industry are doing better.
Industry RankSector 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
AAME Yearly Profit, Operating, Gross MarginsAAME Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2 -2 4 6 8

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3

2. AAME Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so AAME is destroying value.
  • AAME has about the same amout of shares outstanding than it did 1 year ago.
  • AAME has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, AAME has an improved debt to assets ratio.
AAME Yearly Shares OutstandingAAME Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

2.2 Solvency

  • The Debt to FCF ratio of AAME is 1.56, which is an excellent value as it means it would take AAME, only 1.56 years of fcf income to pay off 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 53.69% 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 47.65% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.34
Debt/FCF 1.56
Altman-Z N/A
ROIC/WACC0.23
WACC8.28%
AAME Yearly LT Debt VS Equity VS FCFAAME Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

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2

3. AAME Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 161.69% over the past year.
  • The Revenue has grown by 11.99% in the past year. This is quite good.
  • The Revenue has been decreasing by -1.03% on average over the past years.
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.
AAME Yearly Revenue VS EstimatesAAME Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

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4

4. AAME Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 12.59, AAME is valued correctly.
  • AAME's Price/Earnings is on the same level as the industry average.
  • When comparing the Price/Earnings ratio of AAME to the average of the S&P500 Index (25.70), we can say AAME is valued rather cheaply.
Industry RankSector Rank
PE 12.59
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

4.2 Price Multiples

  • 69.13% of the companies in the same industry are more expensive than AAME, based on the Enterprise Value to EBITDA ratio.
  • AAME's Price/Free Cash Flow ratio is rather cheap when compared to the industry. AAME is cheaper than 86.58% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.33
EV/EBITDA 5.98
AAME Per share dataAAME EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

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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3

5. AAME Dividend Analysis

5.1 Amount

  • With a yearly dividend of 0.72%, AAME is not a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.85, AAME is paying slightly less dividend.
  • With a Dividend Yield of 0.72, AAME pays less dividend than the S&P500 average, which is at 1.89.
Industry RankSector Rank
Dividend Yield 0.72%

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
AAME Yearly Dividends per shareAAME Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2021 2022 2023 2024 2025 0.01 0.01 0.02

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
AAME Yearly Income VS Free CF VS DividendAAME Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5M 10M
AAME Dividend Payout.AAME Dividend Payout, showing the Payout Ratio.AAME Dividend Payout.PayoutRetained Earnings

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AAME Fundamentals: All Metrics, Ratios and Statistics

ATLANTIC AMERICAN CORP

NASDAQ:AAME (3/13/2026, 8:08:23 PM)

2.77

-0.02 (-0.72%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-18
Earnings (Next)03-31
Inst Owners5.38%
Inst Owner Change-3.44%
Ins Owners5.64%
Ins Owner Change0%
Market Cap56.51M
Revenue(TTM)208.22M
Net Income(TTM)4.71M
Analysts0
Price TargetN/A
Short Float %0.13%
Short Ratio0.25
Dividend
Industry RankSector Rank
Dividend Yield 0.72%
Yearly Dividend0.04
Dividend Growth(5Y)0.15%
DP17.14%
Div Incr Years0
Div Non Decr Years4
Ex-DateN/A
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 12.59
Fwd PE N/A
P/S 0.27
P/FCF 2.33
P/OCF 2.28
P/B 0.52
P/tB 0.53
EV/EBITDA 5.98
EPS(TTM)0.22
EY7.94%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.19
FCFY42.91%
OCF(TTM)1.22
OCFY43.91%
SpS10.21
BVpS5.37
TBVpS5.24
PEG (NY)N/A
PEG (5Y)N/A
Graham Number5.15
Profitability
Industry RankSector 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 RankSector 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
WACC8.28%
ROIC/WACC0.23
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 Fundamental Analysis FAQ

What is the fundamental rating for AAME stock?

ChartMill assigns a fundamental rating of 3 / 10 to AAME.


What is the valuation status of ATLANTIC AMERICAN CORP (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.


What is the valuation of ATLANTIC AMERICAN CORP based on its PE and PB ratios?

The Price/Earnings (PE) ratio for ATLANTIC AMERICAN CORP (AAME) is 12.59 and the Price/Book (PB) ratio is 0.52.


What is the financial health of ATLANTIC AMERICAN CORP (AAME) stock?

The financial health rating of ATLANTIC AMERICAN CORP (AAME) is 3 / 10.