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ATLANTIC AMERICAN CORP (AAME) Stock Fundamental Analysis

USA - NASDAQ:AAME - US0482091008 - Common Stock

3.03 USD
-0.01 (-0.16%)
Last: 10/20/2025, 8:00:00 PM
Fundamental Rating

2

Overall AAME gets a fundamental rating of 2 out of 10. We evaluated AAME against 147 industry peers in the Insurance industry. AAME may be in some trouble as it scores bad on both profitability and health. AAME has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

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.
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 (0.50%) than 71.43% of its industry peers.
AAME has a Return On Equity of 2.01%. This is amonst the worse of the industry: AAME underperforms 81.63% of its industry peers.
The Return On Invested Capital of AAME (1.30%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 0.5%
ROE 2.01%
ROIC 1.3%
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

With a Profit Margin value of 1.07%, AAME is not doing good in the industry: 82.31% of the companies in the same industry are doing better.
With a Operating Margin value of 3.31%, AAME is not doing good in the industry: 81.63% of the companies in the same industry are doing better.
Industry RankSector Rank
OM 3.31%
PM (TTM) 1.07%
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

AAME has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it 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
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

The Debt to FCF ratio of AAME is 2.13, which is a good value as it means it would take AAME, 2.13 years of fcf income to pay off all of its debts.
AAME has a Debt to FCF ratio (2.13) which is comparable to the rest of the industry.
AAME has a Debt/Equity ratio of 0.36. This is a healthy value indicating a solid balance between debt and equity.
AAME has a Debt to Equity ratio of 0.36. This is comparable to the rest of the industry: AAME outperforms 40.82% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.36
Debt/FCF 2.13
Altman-Z N/A
ROIC/WACC0.16
WACC8.15%
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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1

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 154.02% over the past year.
The Revenue has been growing slightly by 6.98% in the past year.
AAME shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -1.03% yearly.
EPS 1Y (TTM)154.02%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%484.64%
Revenue 1Y (TTM)6.98%
Revenue growth 3Y-1.94%
Revenue growth 5Y-1.03%
Sales Q2Q%15.99%

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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2

4. Valuation

4.1 Price/Earnings Ratio

AAME is valuated quite expensively with a Price/Earnings ratio of 33.67.
Based on the Price/Earnings ratio, AAME is valued expensively inside the industry as 81.63% of the companies are valued cheaper.
The average S&P500 Price/Earnings ratio is at 27.69. AAME is valued slightly more expensive when compared to this.
Industry RankSector Rank
PE 33.67
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

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of AAME indicates a somewhat cheap valuation: AAME is cheaper than 61.22% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, AAME is valued a bit cheaper than the industry average as 78.91% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 3.49
EV/EBITDA 7.72
AAME Per share dataAAME EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 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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3

5. Dividend

5.1 Amount

AAME has a yearly dividend return of 0.65%, which is pretty low.
AAME's Dividend Yield is slightly below the industry average, which is at 3.31.
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 0.65%

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

37.83% of the earnings are spent on dividend by AAME. This is a low number and sustainable payout ratio.
DP37.83%
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
AAME Dividend Payout.AAME Dividend Payout, showing the Payout Ratio.AAME Dividend Payout.PayoutRetained Earnings

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ATLANTIC AMERICAN CORP

NASDAQ:AAME (10/20/2025, 8:00:00 PM)

3.03

-0.01 (-0.16%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)08-12 2025-08-12
Earnings (Next)11-10 2025-11-10
Inst Owners5.38%
Inst Owner Change0%
Ins Owners5.64%
Ins Owner Change0%
Market Cap61.81M
Analysts0
Price TargetN/A
Short Float %0.77%
Short Ratio0.78
Dividend
Industry RankSector Rank
Dividend Yield 0.65%
Yearly Dividend0.04
Dividend Growth(5Y)0.15%
DP37.83%
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 33.67
Fwd PE N/A
P/S 0.31
P/FCF 3.49
P/OCF 3.39
P/B 0.58
P/tB 0.6
EV/EBITDA 7.72
EPS(TTM)0.09
EY2.97%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.87
FCFY28.63%
OCF(TTM)0.9
OCFY29.54%
SpS9.75
BVpS5.2
TBVpS5.08
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.5%
ROE 2.01%
ROCE 1.65%
ROIC 1.3%
ROICexc 1.47%
ROICexgc 1.62%
OM 3.31%
PM (TTM) 1.07%
GM N/A
FCFM 8.89%
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-Score7
Asset Turnover0.46
Health
Industry RankSector Rank
Debt/Equity 0.36
Debt/FCF 2.13
Debt/EBITDA 5.48
Cap/Depr 183.44%
Cap/Sales 0.28%
Interest Coverage 2.01
Cash Conversion 264.85%
Profit Quality 829.54%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC8.15%
ROIC/WACC0.16
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)154.02%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%484.64%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)6.98%
Revenue growth 3Y-1.94%
Revenue growth 5Y-1.03%
Sales Q2Q%15.99%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y845.87%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y202.98%
FCF growth 3Y67.13%
FCF growth 5YN/A
OCF growth 1Y205.85%
OCF growth 3Y63.91%
OCF growth 5YN/A