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ATLANTIC AMERICAN CORP (AAME) Stock Fundamental Analysis

NASDAQ:AAME - US0482091008 - Common Stock

3.43 USD
-0.07 (-2%)
Last: 8/27/2025, 4:27:22 PM
3.46 USD
+0.03 (+0.87%)
After Hours: 8/20/2025, 8:00:00 PM
Fundamental Rating

1

Overall AAME gets a fundamental rating of 1 out of 10. We evaluated AAME against 143 industry peers in the Insurance industry. AAME may be in some trouble as it scores bad on both profitability and health. AAME is valued expensive and it does not seem to be growing.


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.
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.
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's Return On Assets of -0.48% is on the low side compared to the rest of the industry. AAME is outperformed by 83.22% of its industry peers.
AAME has a Return On Equity of -1.82%. This is amonst the worse of the industry: AAME underperforms 81.82% of its industry peers.
AAME has a worse Return On Invested Capital (0.35%) than 64.34% 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 81.12% 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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3

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.
Compared to 5 years ago, AAME has less shares outstanding
AAME has a better debt/assets ratio than last year.
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.
Looking at the Debt to FCF ratio, with a value of 4.22, AAME is in line with its industry, outperforming 41.96% of the companies in the same industry.
A Debt/Equity ratio of 0.37 indicates that AAME is not too dependend on debt financing.
AAME has a Debt to Equity ratio (0.37) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.37
Debt/FCF 4.22
Altman-Z N/A
ROIC/WACC0.04
WACC8.35%
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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0

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.
The Revenue has been decreasing by -1.03% on average over the past years.
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

AAME reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
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

AAME's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. AAME is more expensive than 68.53% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, AAME is valued a bit cheaper than 60.84% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.82
EV/EBITDA 37.66
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 0.62%, AAME is not a good candidate for dividend investing.
AAME's Dividend Yield is slightly below the industry average, which is at 3.52.
Compared to an average S&P500 Dividend Yield of 2.34, AAME's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.62%

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 2015 2016 2017 2018 2019 2021 2022 2023 2024 2025 0.01 0.01 0.02

5.3 Sustainability

AAME has negative earnings and hence a negative payout ratio. The dividend may be in danger.
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 (8/27/2025, 4:27:22 PM)

After market: 3.46 +0.03 (+0.87%)

3.43

-0.07 (-2%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)08-12 2025-08-12
Earnings (Next)11-10 2025-11-10
Inst Owners5.37%
Inst Owner Change-1.7%
Ins Owners5.64%
Ins Owner Change0%
Market Cap69.97M
Analysts0
Price TargetN/A
Short Float %0.3%
Short Ratio0.47
Dividend
Industry RankSector Rank
Dividend Yield 0.62%
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 0.37
P/FCF 7.82
P/OCF 7.45
P/B 0.68
P/tB 0.7
EV/EBITDA 37.66
EPS(TTM)-0.09
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.44
FCFY12.79%
OCF(TTM)0.46
OCFY13.43%
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
WACC8.35%
ROIC/WACC0.04
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