Sunday 11 October 2026
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Atlantic American Corporation
AAME Financial Insurance Life
Atlantic American Corporation’s revenue for fiscal 2024 (year ended December 2024) was $188.2 million, up 0.77% from fiscal 2023. In the quarter to September 2025, revenue grew 20.8%, EPS grew 120.0% and free cash flow grew 11,298.3%, each against the same quarter a year earlier.
1.18
0.03
−2.48%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | |
|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
37.27 | 16.25 | 0.00 | 0.00 | 3.55 | 12.89 | 48.40 | 0.00 | 0.00 |
Piotroski F-Score |
4 | 9 | 4 | 5 | 6 | 4 | 6 | 6 | 5 |
P/S ratio |
0.50 | 0.37 | 0.26 | 0.20 | 0.22 | 0.25 | 0.26 | 0.27 | 0.17 |
P/FCF ratio |
91.11 | 5.50 | 11.70 | 0.00 | 4.82 | 50.95 | 7.80 | 19.59 | 6.87 |
P/Operating CF |
23.34 | 5.01 | 5.10 | 6.92 | 4.26 | 4.70 | 5.67 | 8.08 | 3.27 |
P/B ratio |
0.79 | 0.59 | 0.48 | 0.34 | 0.29 | 0.35 | 0.48 | 0.46 | 0.32 |
Price to Tangible BV |
0.81 | 0.60 | 0.49 | 0.34 | 0.30 | 0.36 | 0.50 | 0.48 | 0.32 |
EV/Sales |
0.63 | 0.42 | 0.38 | 0.31 | 0.29 | 0.30 | 0.29 | 0.30 | 0.16 |
EV/EBITDA |
5.74 | 3.08 | 3.56 | 3.04 | 1.51 | 1.86 | 2.22 | 2.79 | 1.95 |
EV/Operating CF |
79.26 | 6.21 | 15.69 | (33.62) | 6.30 | 54.20 | 8.40 | 21.06 | 6.16 |
EV/FCF |
113.38 | 6.26 | 16.75 | (32.38) | 6.47 | 60.11 | 8.57 | 21.72 | 6.47 |
Quick Ratio |
0.18 | 0.24 | 0.22 | 0.22 | 0.29 | 0.26 | 0.27 | 0.27 | 0.30 |
Current Ratio |
0.18 | 0.24 | 0.22 | 0.22 | 0.29 | 0.26 | 0.27 | 0.27 | 0.30 |
Net Debt/EBITDA |
1.13 | 0.37 | 1.07 | 1.04 | 0.38 | 0.28 | 0.20 | 0.27 | (0.12) |
Debt/Assets |
10.59% | 9.83% | 9.80% | 8.93% | 8.33% | 8.39% | 9.19% | 8.85% | 8.58% |
Debt/Equity |
0.32 | 0.30 | 0.33 | 0.29 | 0.23 | 0.24 | 0.33 | 0.31 | 0.34 |
Asset Turnover |
0.52 | 0.55 | 0.54 | 0.55 | 0.50 | 0.49 | 0.49 | 0.50 | 0.49 |
Operating CF/Net income |
0.59 | 2.95 | (4.04) | 2.30 | 0.76 | 0.28 | 5.73 | (4.60) | (1.03) |
Capex/Depreciation |
(0.03) | (0.01) | (0.02) | 0.00 | (0.01) | 0.00 | (0.01) | 0.00 | (0.01) |
Interest Coverage |
3.26 | 4.11 | 0.52 | 0.81 | 10.63 | 4.82 | 2.07 | 0.83 | (0.54) |
| 2.15% | 3.78% | (1.03%) | (0.71%) | 8.94% | 2.71% | 0.93% | (0.54%) | (4.51%) | |
| 0.71% | 1.25% | (0.32%) | (0.22%) | 3.01% | 0.96% | 0.29% | (0.15%) | (1.20%) | |
ROIC |
2.52% | 3.62% | 0.54% | 0.77% | 6.71% | 2.78% | 2.36% | 1.50% | (1.18%) |
Return on Tangible Assets |
(1.27%) | (2.37%) | 0.58% | 0.39% | (6.43%) | (2.00%) | (0.58%) | 0.29% | 2.29% |
Average Days of Receivables |
53.37 | 62.18 | 81.31 | 83.38 | 105.75 | 77.51 | 80.25 | 87.53 | 97.73 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Intangible Assets out of Total Assets |
0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
Share Based Compensation of Revenue |
0.35% | 0.27% | 0.13% | 0.18% | 0.22% | 0.11% | 0.07% | 0.06% | 0.01% |
Graham Net Nets |
(2.09) | (2.63) | (3.86) | (5.04) | (4.37) | (3.88) | (3.95) | (4.04) | (6.62) |
Graham Number |
3.57 | 4.99 | 0.00 | 0.00 | 9.62 | 5.44 | 2.37 | 0.00 | 0.00 |
Earnings Yield |
2.68% | 6.15% | (2.07%) | (1.52%) | 28.16% | 7.76% | 2.07% | (1.23%) | (14.29%) |
Free Cash Flow Yield |
1.10% | 18.17% | 8.55% | (4.70%) | 20.75% | 1.96% | 12.82% | 5.11% | 14.56% |
Revenue per Share |
8.12 | 8.86 | 9.15 | 9.78 | 9.56 | 9.78 | 9.21 | 9.15 | 9.23 |
Operating CF per Share |
0.06 | 0.60 | 0.22 | (0.09) | 0.44 | 0.05 | 0.32 | 0.13 | 0.24 |
Capex per Share |
(0.02) | 0.00 | (0.01) | 0.00 | (0.01) | (0.01) | (0.01) | 0.00 | (0.01) |
Free Cash Flow per Share |
0.05 | 0.59 | 0.21 | (0.09) | 0.43 | 0.05 | 0.31 | 0.12 | 0.22 |
Cash per Share |
0.65 | 1.20 | 0.62 | 0.64 | 0.95 | 1.21 | 1.42 | 1.39 | 1.74 |
Shareholders Equity per Share |
5.16 | 5.53 | 5.00 | 5.84 | 7.10 | 6.93 | 5.01 | 5.26 | 4.88 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
5.16 | 5.53 | 5.00 | 5.84 | 7.10 | 6.93 | 5.01 | 5.26 | 4.88 |
Free Cash Flow |
0.92 | 12.07 | 4.18 | (1.88) | 8.74 | 0.98 | 6.33 | 2.54 | 4.58 |
Working Capital |
(175.56) | (174.26) | (188.94) | (201.07) | (182.91) | (193.87) | (192.70) | (197.88) | (203.82) |
Capital Expenditures |
(0.40) | (0.10) | (0.28) | (0.07) | (0.23) | (0.11) | (0.13) | (0.08) | (0.22) |
Net Current Asset Value |
(175.56) | (174.85) | (188.94) | (201.07) | (184.21) | (193.87) | (194.71) | (200.90) | (207.84) |
EV/EBIT |
20.51 | 10.68 | 65.66 | 35.26 | 3.30 | 8.82 | 13.39 | 20.42 | 0.00 |
Capex to Sales |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Price to Operating Income |
16.48 | 9.38 | 45.86 | 23.16 | 2.46 | 7.47 | 12.19 | 18.41 | 0.00 |
| Other line items | |||||||||
Depreciation/Fixed assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Cash ROIC |
0.60% | 7.05% | 2.83% | (1.14%) | 4.41% | 0.49% | 3.84% | 1.50% | 2.71% |
Accounts Receivable Turnover |
6.92 | 6.57 | 5.14 | 4.58 | 3.84 | 4.03 | 4.49 | 4.34 | 3.95 |
Accounts Payable Turnover |
0.83 | 0.86 | 0.85 | 0.85 | 0.74 | 0.79 | 0.75 | 0.72 | 0.70 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
442.35 | 444.29 | 444.66 | 445.61 | 492.88 | 462.92 | 491.45 | 513.51 | 537.55 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Receivables |
24.02 | 27.57 | 36.09 | 43.30 | 50.93 | 49.49 | 41.84 | 43.05 | 47.60 |
Average Payables |
178.86 | 187.64 | 202.54 | 217.33 | 225.29 | 226.18 | 228.19 | 233.18 | 246.64 |
Average Assets |
316.60 | 330.92 | 343.76 | 360.95 | 391.41 | 403.74 | 384.68 | 374.16 | 387.35 |
Average Common Equity |
103.94 | 109.19 | 107.12 | 109.83 | 131.67 | 143.12 | 121.68 | 104.68 | 103.39 |
Columns are period end dates