2.45 USD
-0.06 (-2.39%)
2.85 USD
+0.4 (+16.33%)
AAME gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 147 industry peers in the Insurance industry. Both the profitability and financial health of AAME have multiple concerns. AAME is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
AAME had positive earnings in the past year.
AAME had a positive operating cash flow in the past year.
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.
1.2 Ratios
The Return On Assets of AAME (0.50%) is worse than 72.79% of its industry peers.
Looking at the Return On Equity, with a value of 2.01%, AAME is doing worse than 82.99% of the companies in the same industry.
AAME has a Return On Invested Capital of 1.30%. This is in the lower half of the industry: AAME underperforms 60.54% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
With a Profit Margin value of 1.07%, AAME is not doing good in the industry: 83.67% of the companies in the same industry are doing better.
AAME has a worse Operating Margin (3.31%) than 83.67% of its industry peers.
| Industry Rank | Sector 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
2. Health
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.
Compared to 5 years ago, AAME has less shares outstanding
The debt/assets ratio for AAME has been reduced compared to a year ago.
2.2 Solvency
AAME has a debt to FCF ratio of 2.13. This is a good value and a sign of high solvency as AAME would need 2.13 years to pay back of all of its debts.
AAME's Debt to FCF ratio of 2.13 is in line compared to the rest of the industry. AAME outperforms 53.06% of its industry peers.
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 (0.36) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.36 | ||
| Debt/FCF | 2.13 | ||
| Altman-Z | N/A |
ROIC/WACC0.16
WACC8.08%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
AAME shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 154.02%, which is quite impressive.
Looking at the last year, AAME shows a small growth in Revenue. The Revenue has grown by 6.98% 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)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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 27.22 indicates a quite expensive valuation of AAME.
Based on the Price/Earnings ratio, AAME is valued a bit more expensive than the industry average as 78.23% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Earnings ratio of 26.15, AAME is valued at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 27.22 | ||
| Fwd PE | N/A |
4.2 Price Multiples
72.79% of the companies in the same industry are more expensive than AAME, based on the Enterprise Value to EBITDA ratio.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of AAME indicates a rather cheap valuation: AAME is cheaper than 84.35% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.82 | ||
| EV/EBITDA | 6.17 |
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
AAME has a yearly dividend return of 0.80%, which is pretty low.
The stock price of AAME dropped by -25.52% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
Compared to an average industry Dividend Yield of 3.46, AAME is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.41, AAME's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.8% |
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
5.3 Sustainability
AAME pays out 37.83% of its income as dividend. This is a sustainable payout ratio.
DP37.83%
EPS Next 2YN/A
EPS Next 3YN/A
2.45
-0.06 (-2.39%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners5.38%
Inst Owner Change-4.82%
Ins Owners5.64%
Ins Owner Change0%
Market Cap49.98M
Revenue(TTM)198.98M
Net Income(TTM)2.13M
Analysts0
Price TargetN/A
Short Float %0.42%
Short Ratio0.58
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.8% |
Yearly Dividend0.04
Dividend Growth(5Y)0.15%
DP37.83%
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 | 27.22 | ||
| Fwd PE | N/A | ||
| P/S | 0.25 | ||
| P/FCF | 2.82 | ||
| P/OCF | 2.74 | ||
| P/B | 0.47 | ||
| P/tB | 0.48 | ||
| EV/EBITDA | 6.17 |
EPS(TTM)0.09
EY3.67%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.87
FCFY35.4%
OCF(TTM)0.9
OCFY36.53%
SpS9.75
BVpS5.2
TBVpS5.08
PEG (NY)N/A
PEG (5Y)N/A
Graham Number3.25
Profitability
| Industry Rank | Sector 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
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-Score7
Asset Turnover0.46
Health
| Industry Rank | Sector 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
WACC8.08%
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
ATLANTIC AMERICAN CORP / AAME FAQ
What is the fundamental rating for AAME stock?
ChartMill assigns a fundamental rating of 2 / 10 to AAME.
What is the valuation status for AAME stock?
ChartMill assigns a valuation rating of 2 / 10 to ATLANTIC AMERICAN CORP (AAME). This can be considered as Overvalued.
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 27.22 and the Price/Book (PB) ratio is 0.47.