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Atlantic American Corporation

AAME Financial Insurance Life

Atlantic American Corporation’s revenue for fiscal 2025 (year ended December 2025) was $210.4 million, up 11.9% from fiscal 2024.

Revenue
+4.84%
EPS
−62.8%
Free cash flow
+11,298.3%
Total debt
0.00%

Quarter to December 2025, against a year earlier

1.10 0.03 +2.80%
Market cap
$21.8M
P/E
4.1×
Fwd P/E
—
Dividend yield
0.00%
F-score
9/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 0.53%

Capital & Financial Ratios $m

Size
Market Cap 21.83
Revenue ttm 210.44
Net income ttm 6.02
Free cash flow ttm 32.41
Net debt Q (9.90)
Valuation
P/E 4.07
Forward P/E —
Price / sales 0.11
Forward P/S Powerpack
Price / FCF 0.69
Price / book 0.19
Financial health
Current ratio Q 0.31
Debt / equity Q 0.28
Interest coverage Q 3.26
Growth
Revenue growth Q +4.84% (above 0%: growing)
Operating income growth Q −51.02% (below 0%: shrinking)
EPS, this year —
EPS, next year A —
Revenue, next year A —
EPS, past 5 yrs −12.94% (below 0%: weak)
EPS, next 5 yrs A —

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 1.42%
10-year low 10-year high
P/S against its own 10 years 0.15%
10-year low 10-year high
P/B against its own 10 years 0.15%
10-year low 10-year high

Dividends

Yield
0.00%
Annual rate
0.00
Payout ratio
0.00%
Growth, 2016–25
0.00%/yr
  1. 0.02 ’16
  2. 0.02 ’17 +0%
  3. 0.02 ’18 +0%
  4. 0.02 ’19 +0%
  5. 0.02 ’21 +0%
  6. 0.02 ’22 +0%
  7. 0.02 ’23 +0%
  8. 0.02 ’24 +0%
  9. 0.02 ’25 +0%
paid Powerpack

Assets vs Liabilities $m

2022 2023 2024 2025
Cash 29 28 36 44
Receivables 41 45 45 52
Inventory — — — —
Other — — — —
70 73 80 96
2022 2023 2024 2025
Payables 229 237 234 274
ST’ Debt 34 34 34 34
Other — — — —
263 271 267 308

Compound Annual Growth %

10y 5y 3y
Sales 2.40% 1.50% 3.86%
Cash Flow 31.00% 29.66% 72.07%
Earnings 3.48% (13.75%) 70.88%
Book Value 1.66% (3.60%) 5.73%

EPS $

Mar Jun Sep Dec Year
’26 — — — — —
’25 0.03 0.15 0.02 0.06 0.28
’24 (0.10) (0.04) (0.10) 0.16 (0.09)
’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
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 — — — — —
’25 50 55 54 51 210
’24 47 48 45 49 188
’23 46 49 45 47 187
’22 52 45 46 45 188
’21 49 51 49 50 200
’20 39 50 46 60 195
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 — — — — —
’25 (1) 9 7 18 33
’24 (5) 0 0 10 5
’23 (12) 7 1 6 3
’22 (8) 4 2 9 6
’21 (6) (8) 4 11 1
’20 (11) 11 (1) 10 9
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 — — — — —
’25 (1) 9 7 18 32
’24 (5) 0 0 10 5
’23 (12) 7 1 6 3
’22 (8) 4 2 9 6
’21 (6) (8) 4 11 1
’20 (11) 11 (1) 10 9
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 166 181 186 198 195 200 188 187 188 210 +2.7% — — — —
Gross margin, % 10.89 11.13 7.47 6.80 14.67 10.20 9.41 9.73 9.57 12.97 +2.1 pt
EBT 4 5 (1) 0 16 5 2 (1) (2) 8 +9.1%
EBT margin, % 2.12 2.96 (0.52) (0.21) 7.94 2.66 1.12 (0.30) (0.86) 3.67 +1.6 pt
Net income 3 5 (1) 0 12 4 2 0 (1) 6 +9.6%
Per share, $
Per share, $ Revenue 8.12 8.86 9.15 9.78 9.56 9.78 9.21 9.15 9.22 10.32 +2.7%
Earnings 0.11 0.20 (0.05) (0.04) 0.58 0.19 0.06 (0.03) (0.09) 0.28 +10.9%
Cash flow 0.06 0.60 0.22 (0.09) 0.44 0.05 0.32 0.13 0.24 1.61 +43.0%
Capex (0.02) 0.00 (0.01) 0.00 (0.01) (0.01) (0.01) 0.00 (0.01) (0.02) +1.8%
Free cash flow 0.05 0.59 0.21 (0.09) 0.43 0.05 0.31 0.12 0.22 1.59 +48.6%
Book value 5.16 5.53 5.00 5.84 7.10 6.93 5.01 5.26 5.42 5.92 +1.5%
Shares, m 20 20 20 20 20 20 20 20 20 20 0.0%
Valuation, ×
Valuation, × P/E 37.27 16.25 0.00 0.00 3.55 12.89 48.40 0.00 0.00 10.48 12.9
P/S 0.50 0.37 0.26 0.20 0.22 0.25 0.26 0.27 0.17 0.27 0.3
P/B 0.79 0.59 0.48 0.34 0.29 0.35 0.48 0.46 0.28 0.48 0.5
EV/Sales 0.63 0.42 0.38 0.31 0.29 0.30 0.29 0.30 0.16 — 0.3
EV/FCF 113.38 6.26 16.75 (32.38) 6.47 60.11 8.57 21.72 6.47 — 23.0
Cash, $m
Cash, $m Operating cash flow 1 12 4 (2) 9 1 6 3 5 33 +43.0%
Capex 0 0 0 0 0 0 0 0 0 0 +1.8%
Free cash flow 1 12 4 (2) 9 1 6 3 5 32 +48.6%
Balance, $m
Balance, $m Working capital (176) (174) (189) (201) (183) (194) (193) (198) (187) (212) +2.1%
Net debt 20 9 21 21 14 9 5 5 (2) (10) n/m
Shareholders’ equity 106 113 101 118 145 141 102 107 111 121 +1.5%
Returns, %
Returns, % ROA 0.71 1.25 (0.32) (0.22) 3.01 0.96 0.29 (0.15) (0.47) 1.38 +0.7 pt
ROIC 2.52 3.62 0.54 0.77 6.71 2.78 2.36 1.50 1.03 6.09 +3.6 pt
ROE 2.15 3.78 (1.03) (0.71) 8.94 2.71 0.93 (0.54) (1.65) 4.86 +2.7 pt
People
People Employees 164 159 161 155 153 140 142 154 153 166 +0.1%
Revenue/emp, $m 1.01 1.14 1.15 1.28 1.28 1.43 1.32 1.21 1.23 1.27 +2.5%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Dec 2025 · fundamentals updated 2 Nov 2026

Atlantic American Corporation vs peers in Insurance Life (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
LNC Lincoln National Corporation $7.9B 3.5× 4.5× +12.31% (above 0%: growing) +76.55% (above 0%: growing) −155.08% (below 0%: shrinking) 37.98% 37.98% Compare
CNO CNO Financial Group, Inc. $5.3B 19.4× 14.0× +11.61% (above 0%: growing) +45.16% (above 0%: growing) +7.63% (above 0%: growing) 44.06% 16.73% Compare
GNW Genworth Financial, Inc. $3.3B 16.6× 26.2× +5.85% (above 0%: growing) 0.00% +766.67% (above 0%: growing) 30.09% 7.10% Compare
FG F&G Annuities & Life, Inc. $2.8B 7.0× 7.9× +4.18% (above 0%: growing) n/m −8.11% (below 0%: shrinking) 16.89% (3.73%) Compare
BHF Brighthouse Financial, Inc. $2.5B 3.5× 3.4× +86.22% (above 0%: growing) +1,520.59% (above 0%: growing) −43,000.00% (below 0%: shrinking) 115.29% 75.59% Compare
ABX Abacus Global Management, Inc. $828.3M 30.3× — +29.87% (above 0%: growing) −61.11% (below 0%: shrinking) −49.65% (below 0%: shrinking) 87.59% 29.41% Compare
SNFCA Security National Financial Corporation $249.4M 7.2× 6.2× −6.27% (below 0%: shrinking) +6.25% (above 0%: growing) +145.67% (above 0%: growing) 71.03% 15.21% Compare
CIA Citizens, Inc. $183.3M 16.5× 20.1× −7.19% (below 0%: shrinking) n/m −38.92% (below 0%: shrinking) 14.91% (0.88%) Compare
AAME Atlantic American Corporation $21.8M 2.9× — +20.76% (above 0%: growing) +120.00% (above 0%: growing) +11,298.28% (above 0%: growing) 9.92% 2.88%
Median of peers $2.7B 11.8× 7.9× +8.73% +25.71% −23.51% 41.02% 15.97%

All 17 Insurance Life stocks →

Pay and ownership Proxy statement filed 23 October 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 1.62m 1.62m 125.15
2024 1.56m 1.56m 117.22
2023 1.53m 1.53m 105.80
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Read the proxy statement

Atlantic American Corporation (AAME) Latest News

22 Oct

Impact 3 · · GlobeNewswire

16 Oct

Impact 3 · · Associated Press

26 Aug

Impact 3 ·

17 Jun

Impact 4 ·

21 Apr

Impact 4 · · GlobeNewswire

22 Jan

Impact 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.

14 Nov

Impact 4 · · GlobeNewswireZacks
Impact 3 · · Associated Press Finance

15 Aug

Impact 3 ·

12 Aug

Impact 3 ·
Impact 3 ·

15 May

Impact 3 · · Simply Wall St.

13 May

Impact 3 ·

29 Mar

Impact 3 · · Simply Wall St.

25 Mar

Impact 3 · · GlobeNewswire

14 Mar

Impact 3 ·

15 Nov

Impact 4 · earnings

12 Nov

Impact 3 · · Associated Press Finance
Impact 3 · · GlobeNewswire

17 Aug

Impact 3 · · Simply Wall St.

14 Aug

Impact 3 · · GlobeNewswire

14 May

Impact 3 · · GlobeNewswire

7 Apr

Impact 4 · · Simply Wall St.

3 Apr

Impact 3 · · Simply Wall St.

1 Apr

Impact 3 ·
Impact 3 · · GlobeNewswire

6 Mar

Impact 3 · · Business Wire

5 Feb

Impact 3 · · Simply Wall St.

16 Nov

Impact 3 ·

13 Nov

Impact 3 · · GlobeNewswire
stockrow.com/AAME · Data as of Nov 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com