Login
Create Account

Powerpack

Unlock full stockrow access for only $7.9/month and boost yourself as an investor.

Watchlist

Keep track of companies that you follow and research.

10 Years of Data

Full access to our data with predictions and indicators that we calculate daily.

Screener

Full access to our screener with tons of custom values and customizable email notifications.

XLS Exports

Excel export of financials and screeners you define and save.

Atlantic American Corporation AAME

Financial — Insurance Life

We limit data available in the Overview Report for users who do not have Powerpack

Get access to target analyst prices, predictions, compound annual growth rates and more than four years of historical data.
Register an account and get your Powerpack now or Login

Insider Decisions

in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership
80.93%

Capital & Financial Ratios

Market Cap
28.56
Revenue
208.22
Net Income
5.11
Free Cash Flow
24.25
Net Debt
(0.71)
Current Ratio
0.31
Debt/Equity
0.31
P/E ratio
5.87
P/S ratio
0.13
P/B ratio
0.25
Past 5Y EPS Growth
(42.60%)
This Y EPS Growth
—
Next Y EPS Growth
—
Next 5Y EPS Growth
—
in millions of $

Dividends

Payout Ratio
0.00
Annual Dividend Rate
0.02
Annual Dividend Yield
0.80%
total individual payouts
2025 0.02
—
2024 0.02
—
2023 0.02
—
2022 0.02
—
2021 0.02
—
2020 ‡‡‡‡
2019 0.02
—
2018 0.02
—
2017 0.02
—
2016 0.02
—
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2022 2023 2024 Q'25
Cash 28.86 28.30 35.57 34.44
Receivables 41.30 44.79 50.40 65.09
Inventory — — — —
Other — — — —
70.16 73.09 85.97 99.54
2022 2023 2024 Q'25
Payables 229.12 237.23 256.05 283.61
ST’ Debt 33.74 33.74 33.74 33.74
Other — — — —
262.86 270.97 289.79 317.35
in millions of $

Compound Annual Growth

10y 5y 3y
Sales ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Cash Flow ‡‡‡‡‡ ‡‡‡ ‡‡‡‡‡
Earnings ‡‡‡ ‡‡‡ ‡‡‡
Book Value ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡

Revenue

Mar Jun Sep Dec Year
’26 50.13 55.29 53.76 —
—
’24 47.00 47.67 44.52 49.04
188.23
’23 46.27 49.19 44.59 46.75
186.79
’22 51.61 44.67 46.34 45.23
187.85
’21 49.08 51.46 49.29 49.73
199.55
’20 39.41 49.74 46.27 59.93
195.35
’19 55.02 43.13 47.75 52.29
198.18
in millions of $

Operating Cash Flow

Mar Jun Sep Dec Year
’26 (0.72) 9.28 6.64 —
—
’24 (5.32) 0.42 0.09 9.61
4.80
’23 (11.61) 6.71 1.35 6.17
2.62
’22 (8.01) 3.59 2.17 8.70
6.45
’21 (6.04) (7.84) 4.33 10.64
1.09
’20 (10.51) 11.07 (1.46) 9.88
8.97
’19 (6.95) (0.27) (0.35) 5.76
(1.81)
in millions of $

Free Cash Flow

Mar Jun Sep Dec Year
’26 (0.99) 9.11 6.61 —
—
’24 (5.36) 0.36 0.06 9.51
4.58
’23 (11.67) 6.71 1.35 6.16
2.54
’22 (8.01) 3.52 2.13 8.69
6.33
’21 (6.08) (7.87) 4.31 10.62
0.98
’20 (10.55) 10.95 (1.49) 9.83
8.74
’19 (6.97) (0.28) (0.36) 5.74
(1.88)
in millions of $

EPS

Mar Jun Sep Dec Year
’26 0.03 0.15 0.02 —
—
’24 (0.10) (0.04) (0.10) 0.02
(0.23)
’23 (0.08) 0.08 0.08 (0.11)
(0.03)
’22 0.13 (0.09) (0.04) 0.05
0.06
’21 (0.03) 0.14 (0.05) 0.12
0.19
’20 (0.40) 0.30 0.09 0.54
0.56
’19 0.19 (0.22) (0.07) 0.06
(0.04)

Target Price Range

High
—
—
Average
—
—
Low
—
—

Recommendation Rating

1
Buy
2
3
Hold
4
5
Sell
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027
— ‡‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ 2.12 1.49 1.26 — — —
Low Price
— ‡‡‡ ‡‡‡‡ ‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ 3.79 2.63 3.00 — — —
High Price
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 142 154 153 — — —
Employees
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.32 1.21 1.23 — — —
Revenue/Emp
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 187.85 186.79 188.23 — — —
Revenue
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 9.41% 9.73% 7.63% — — —
Gross Margin
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2.10 (0.56) (5.26) — — —
EBT
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.12% (0.30%) (2.80%) — — —
EBT Margin
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.53 (0.17) (4.27) — — —
Net Income
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 20.34 17.09 17.01 — — —
Depreciation
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 9.21 9.15 9.23 — — —
Revenue/Sh
— ‡‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡ 0.06 (0.03) (0.23) — — —
Earnings/Sh
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.32 0.13 0.24 — — —
Cash Flow/Sh
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (0.01) 0.00 (0.01) — — —
Capex/Sh
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.31 0.12 0.22 — — —
Free CF/Sh
— ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 5.01 5.26 4.88 — — —
Book Value/Sh
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 20.39 20.40 20.40 — — —
Shares
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 48.40 0.00 0.00 — — —
PE Ratio
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.26 0.27 0.17 — — —
PS Ratio
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.48 0.46 0.32 — — —
PB Ratio
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.49 0.51 0.37 — — —
EV/Sales
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 14.63 37.26 15.10 — — —
EV/FCF
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 6.45 2.62 4.80 — — —
Op' Cash Flow
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (0.13) (0.08) (0.22) — — —
Capex
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 6.33 2.54 4.58 — — —
FCF
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (192.70) (197.88) (203.82) — — —
Working Cap'
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 72.06 33.74 33.74 — — —
Total Debt
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 43.20 5.44 (1.83) — — —
Net Debt
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 102.19 107.28 99.61 — — —
Sh' Equity
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.29% (0.15%) (1.20%) — — —
ROA
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.74% 1.50% (1.18%) — — —
ROIC
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.93% (0.54%) (4.51%) — — —
ROE
predictions in italic, sparklines do not include predictions

Analyst Commentary (Summary)

Atlantic American Corporation (AAME), a small Southeast-focused property and casualty insurer, trades at rock-bottom valuations—price-to-sales at 0.17 and price-to-book at 0.32—amid eroding profitability and catastrophe-driven losses, making it a classic contrarian value play overshadowed by market hype elsewhere. Recent earnings swung to a $4.3 million net loss in 2024 (EPS -$0.23), with gross margins plummeting 48% to 7.6% due to storm claims and inflation, dragging ROE to -4.5% versus industry norms. Yet, revenue has stabilized around $200 million with efficient operations (revenue per employee ~$1.3 million), hinting at underlying discipline eroded by cyclical headwinds.

The balance sheet offers a rare bright spot: debt slashed 53% to $33.7 million, yielding a net cash surplus and debt-to-equity under 20%—a fortress against rate cuts or shocks, unlike leveraged peers. Operating cash flow rebounded to $4.8 million, delivering a free cash flow yield over 10% at current prices, with negligible capex supporting potential dividends or growth.

While no insider buys and absent analyst targets signal caution, mean reversion in margins to 10% could flip EPS positive and spark 30-50% upside, but hurricane risks and prolonged slumps loom large. This battered name demands skepticism—stability on the sheet clashes with profit fragility, tilting asymmetry for patient risk-takers.

Read full commentary →

Atlantic American Corporation (AAME) Latest News

News by impact score

Fine-tune

26 Aug

3 , 4:39 PM
Atlantic American Corporation received a Nasdaq notice for its delayed second quarter Form 10-Q filing. Nasdaq late-filing notices introduce compliance risk that can pressure share price and trigger delisting reviews.

17 Jun

4 , 11:19 AM
AM Best places credit ratings of Atlantic American Corporation and its subsidiaries under review with negative implications. Negative credit review directly signals potential downgrade that raises borrowing costs and weakens investor sentiment.

21 Apr

4 GlobeNewswire, 4:26 PM
Atlantic American Corporation (AAME) received a Nasdaq notice citing delayed filing of its annual Form 10-K, triggering a compliance deficiency period to resolve the issue or face potential delisting proceedings. Nasdaq notice for delayed 10-K filing risks delisting proceedings and sharply erodes investor confidence in AAME's governance and financial transparency.

22 Jan

4 Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St., 6:05 AM
Atlantic American Corporation (AAME) has delivered an impressive 85% return to its investors over the past year, reflecting strong performance and positive market sentiment towards the company. This notable increase highlights the effectiveness of its strategic initiatives and operational improvements, positioning AAME favorably in the competitive landscape. The significant return indicates strong market performance and investor confidence, suggesting potential for continued growth.

14 Nov

4 GlobeNewswireZacks, 2:56 PM
Atlantic American Corporation reported its third quarter results for 2025, highlighting key financial metrics and operational performance. The company showed improvements in revenue and net income compared to the previous quarter, driven by strategic initiatives and market expansion efforts. Management expressed optimism about future growth prospects and outlined plans for continued investment in core business areas. The reported improvements in financial performance and management's strategic outlook indicate significant potential for future growth and market positioning.

3 Associated Press Finance, 3:07 PM
Atlantic American Corporation reported its Q3 earnings, highlighting a decrease in net income compared to the previous year. The company faced challenges in its insurance segment, which impacted overall performance. Despite these hurdles, management expressed optimism about future growth and strategic initiatives aimed at improving profitability. The earnings report also included insights into operational adjustments and market conditions affecting the company. The decrease in net income and challenges in the insurance segment may moderately influence financial performance and market sentiment.

15 Aug

3 , 6:06 AM
Atlantic American Corporation (AAME) experienced a 20% return this week, bringing its shareholders' one-year gains to an impressive 89%. This significant increase highlights the company's strong performance in the market, attracting attention from investors and analysts alike. The notable increase in stock price indicates a positive market sentiment but does not fundamentally alter the company's long-term trajectory.

12 Aug

3 , 2:22 PM
Atlantic American Corporation reported its Q2 earnings, highlighting a decrease in net income compared to the previous year. The company faced challenges in its insurance segment, which impacted overall performance. Despite these hurdles, management expressed optimism about future growth and strategic initiatives aimed at improving profitability. The results reflect ongoing efforts to navigate market conditions and enhance operational efficiency. The decrease in net income and challenges in the insurance segment may moderately influence financial performance and market sentiment.

3 , 1:51 PM
Atlantic American Corporation reported its second quarter results for 2025, highlighting key financial metrics and operational developments. The company experienced fluctuations in revenue and expenses, impacting overall profitability. Management provided insights into strategic initiatives aimed at enhancing performance and addressing market challenges. Future outlook remains cautiously optimistic as the company navigates industry dynamics. Moderate fluctuations in revenue and expenses indicate potential impacts on financial performance and market positioning.

15 May

3 Simply Wall St., 7:38 AM
Atlantic American Corporation (NASDAQ:AAME) reported its First Quarter 2025 results, showing a revenue of US$50.1 million, a 6.7% increase from the previous year. The company achieved a net income of US$703,000, recovering from a US$2.1 million loss in 1Q 2024. The profit margin improved to 1.4%, and earnings per share (EPS) reached US$0.03, up from a loss of US$0.10 in the same quarter last year. Despite these positive results, there are three warning signs for the company that investors should consider. The financial recovery indicates a moderately noticeable influence on future performance, but existing warning signs may limit overall positive impact.

13 May

3 , 1:31 PM
Atlantic American Corporation reported its first quarter results for 2025, highlighting key financial metrics and operational performance. The company experienced changes in revenue and expenses, impacting overall profitability. Management provided insights into strategic initiatives and market conditions affecting future growth. The report reflects the company's ongoing efforts to enhance its competitive position in the insurance sector. Financial performance and strategic initiatives may moderately influence the company's trajectory.

29 Mar

3 Simply Wall St., 9:01 AM
Atlantic American Corporation (NASDAQ:AAME) will pay a dividend of $0.02 per share on April 23, representing an annual yield of 1.2%, below the industry average. The company's dividend history shows instability, with at least one cut in the last decade, and earnings per share have declined by an average of 27.1% over the past five years. While cash flows currently cover the dividend, concerns about sustainability and limited growth potential remain. Investors are cautioned about the company's inconsistent dividend policy and potential warning signs. Concerns about dividend sustainability and declining earnings per share indicate a moderately noticeable influence on future performance.

25 Mar

3 GlobeNewswire, 1:32 PM
Atlantic American Corporation reported a net income of $0.4 million, or $0.02 per diluted share, for Q4 2024, a turnaround from a net loss of $2.2 million in Q4 2023. However, the company faced a net loss of $4.3 million for the full year 2024, compared to a loss of $0.2 million in 2023, primarily due to unfavorable claims in property and casualty operations. The CEO highlighted strong sales in the Medicare supplement business and announced an annual dividend of $0.02 per share, payable on April 23, 2025. The company operates in life, health, and property and casualty insurance markets through its subsidiaries. The reported financial results indicate both improvements and challenges that could moderately influence future performance.

14 Mar

3 , 10:00 AM
AM Best has affirmed the credit ratings of Atlantic American Corporation and its subsidiaries, indicating a stable outlook for the company. This affirmation reflects the company's solid balance sheet, strong operating performance, and favorable business profile. The ratings are crucial for maintaining investor confidence and supporting the company's market position. The affirmation of credit ratings suggests a moderately noticeable influence on the company's financial performance and market sentiment.

12 Nov

3 Associated Press Finance, 2:17 PM
Atlantic American Corp. reported a third-quarter loss of $2 million, with a loss of 10 cents per share. Revenue was $44.5 million. The reported loss and revenue figures may moderately influence the company's financial performance.

3 GlobeNewswire, 2:00 PM
Atlantic American Corporation reported a net loss for the third quarter of 2024 due to unfavorable loss experience in life and health operations and property and casualty operations. Premium revenue slightly increased for the three month period but decreased for the nine month period. The CEO remains optimistic about future performance. The article indicates moderately noticeable influence expected on key areas such as financial performance and competitive positioning.

17 Aug

3 Simply Wall St., 8:28 AM
Atlantic American Corporation reported a net loss of US$684.0k in the second quarter of 2024, compared to a profit of US$1.64m in the same period in 2023. The financial results show a moderately noticeable influence on the company's performance.

14 Aug

3 GlobeNewswire, 12:11 PM
Atlantic American Corporation reported a net loss of $0.7 million for the second quarter of 2024, compared to a net income of $1.7 million in the same period last year. The decrease in income was primarily due to unfavorable loss experience in the life and health operations, as well as in the property and casualty operations. The unfavorable loss experience in key operations is expected to moderately impact the company's financial performance and competitive positioning.

14 May

3 GlobeNewswire, 10:51 AM
Atlantic American Corporation reported a net loss of $2.0 million in the first quarter of 2024 due to a decrease in premium revenue and unfavorable loss experience in life and health operations. The financial results are expected to moderately influence the company's financial performance and competitive positioning.

7 Apr

4 Simply Wall St., 8:44 AM
Atlantic American Corporation (NASDAQ:AAME) is going ex-dividend in three days, but the company reported a loss last year and its dividend payments are at risk. The article highlights the potential significant impact on Atlantic American Corporation's future and market performance due to its loss last year and risk of dividend cuts.

3 Apr

3 Simply Wall St., 6:36 AM
Atlantic American Corporation reported a net loss of US$570.0k for FY 2023, resulting in a loss per share of US$0.028. The financial results are moderately noticeable and may affect the company's competitive positioning.

1 Apr

3 , 4:52 PM
Atlantic American Corp. reported a fourth-quarter loss of $2.2 million, with revenue of $46.7 million. For the year, the company reported a loss of $171,000 with revenue of $186.8 million. The reported losses and revenue figures may moderately influence the company's financial performance and competitive positioning.

3 GlobeNewswire, 4:12 PM
Atlantic American Corporation reports net loss for Q4 and year end 2023, declares annual dividend. The financial results and dividend declaration are expected to moderately influence the company's future performance.

6 Mar

3 Business Wire, 11:29 AM
AM Best affirms credit ratings of Atlantic American Corporation and its subsidiaries. The article highlights both positive and negative factors impacting the company's future performance.

5 Feb

3 Simply Wall St., 7:12 AM
Atlantic American Corporation (NASDAQ:AAME) up 60% in last quarter, but share price declined 58% over past three years. The article highlights mixed performance indicators that may moderately influence the company's future trajectory.

16 Nov

3 , 5:19 AM
Atlantic American reports third quarter 2023 earnings with EPS of US$0.08, up from US$0.038 loss in 3Q 2022. The improved financial performance and move to profitability are expected to moderately influence the company's future.

13 Nov

3 GlobeNewswire, 5:24 PM
Atlantic American Corporation reported net income of $1.8 million for the third quarter of 2023, compared to a net loss in the same period last year. The increase in net income and operating income, along with the launch of a new product, are expected to moderately influence the company's future performance.

24 Sep

3 Simply Wall St., 9:21 AM
Insiders at Atlantic American Corporation bought more stock than they sold in the past year, with the biggest purchase being $900k worth of shares at $3.00 each. Insider transactions are encouraging and show optimism for the future, but potential risks should also be considered.

8 Aug

3 GlobeNewswire, 2:55 PM
Atlantic American Corporation reported net income for the second quarter of 2023, declared an annual dividend of $0.02 per share, and discussed factors impacting operating income. The news article highlights key financial results and strategic moves that may moderately influence the company's future performance.

30 Jun

3 GlobeNewswire, 3:32 PM
Atlantic American Corporation reports fourth quarter and year-end results for 2022, first quarter results for 2023. The financial results show a mix of positive and negative impacts on the company's performance.
© 2016–2026 stockrow.com Terms and Conditions Indicators Contact Us