Monday 2 November 2026
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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%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
Piotroski F-Score |
9 | 5 | 6 | 6 | 4 | 6 | 5 | 4 | 9 | 4 |
P/E ratio |
10.48 | 0.00 | 0.00 | 48.40 | 12.89 | 3.55 | 0.00 | 0.00 | 16.25 | 37.27 |
P/S ratio |
0.27 | 0.17 | 0.27 | 0.26 | 0.25 | 0.22 | 0.20 | 0.26 | 0.37 | 0.50 |
P/FCF ratio |
1.78 | 6.87 | 19.59 | 7.80 | 50.95 | 4.82 | 0.00 | 11.70 | 5.50 | 91.11 |
P/Operating CF |
3.27 | 3.27 | 8.08 | 5.67 | 4.70 | 4.26 | 6.92 | 5.10 | 5.01 | 23.34 |
P/B ratio |
0.48 | 0.28 | 0.46 | 0.48 | 0.35 | 0.29 | 0.34 | 0.48 | 0.59 | 0.79 |
Price to Tangible BV |
0.49 | 0.29 | 0.48 | 0.50 | 0.36 | 0.30 | 0.34 | 0.49 | 0.60 | 0.81 |
EV/Sales |
— | 0.16 | 0.30 | 0.29 | 0.30 | 0.29 | 0.31 | 0.38 | 0.42 | 0.63 |
EV/EBITDA |
— | 1.95 | 2.79 | 2.22 | 1.86 | 1.51 | 3.04 | 3.56 | 3.08 | 5.74 |
EV/Operating CF |
— | 6.16 | 21.06 | 8.40 | 54.20 | 6.30 | (33.62) | 15.69 | 6.21 | 79.26 |
EV/FCF |
— | 6.47 | 21.72 | 8.57 | 60.11 | 6.47 | (32.38) | 16.75 | 6.26 | 113.38 |
Quick Ratio |
0.31 | 0.30 | 0.27 | 0.27 | 0.26 | 0.29 | 0.22 | 0.22 | 0.24 | 0.18 |
Current Ratio |
0.31 | 0.30 | 0.27 | 0.27 | 0.26 | 0.29 | 0.22 | 0.22 | 0.24 | 0.18 |
Net Debt/EBITDA |
(0.33) | (0.09) | 0.27 | 0.20 | 0.28 | 0.38 | 1.04 | 1.07 | 0.37 | 1.13 |
Debt/Assets |
7.77% | 8.83% | 8.85% | 9.19% | 8.39% | 8.33% | 8.93% | 9.80% | 9.83% | 10.59% |
Debt/Equity |
0.28 | 0.31 | 0.31 | 0.33 | 0.24 | 0.23 | 0.29 | 0.33 | 0.30 | 0.32 |
Asset Turnover |
0.52 | 0.49 | 0.50 | 0.49 | 0.49 | 0.50 | 0.55 | 0.54 | 0.55 | 0.52 |
Operating CF/Net income |
5.85 | (2.68) | (4.60) | 5.73 | 0.28 | 0.76 | 2.30 | (4.04) | 2.95 | 0.59 |
Capex/Depreciation |
(0.02) | (0.01) | 0.00 | (0.01) | 0.00 | (0.01) | 0.00 | (0.02) | (0.01) | (0.03) |
Interest Coverage |
3.51 | 0.52 | 0.83 | 2.07 | 4.82 | 10.63 | 0.81 | 0.52 | 4.11 | 3.26 |
| 4.86% | (1.65%) | (0.54%) | 0.93% | 2.71% | 8.94% | (0.71%) | (1.03%) | 3.78% | 2.15% | |
| 1.38% | (0.47%) | (0.15%) | 0.29% | 0.96% | 3.01% | (0.22%) | (0.32%) | 1.25% | 0.71% | |
ROIC |
6.09% | 1.03% | 1.50% | 2.36% | 2.78% | 6.71% | 0.77% | 0.54% | 3.62% | 2.52% |
Return on Tangible Assets |
(2.65%) | 0.96% | 0.29% | (0.58%) | (2.00%) | (6.43%) | 0.39% | 0.58% | (2.37%) | (1.27%) |
Average Days of Receivables |
91.05 | 86.86 | 87.53 | 80.25 | 77.51 | 105.75 | 83.38 | 81.31 | 62.18 | 53.37 |
Research and Development Expense of Revenue |
0.00% | 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% | 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 | 0.01 |
Share Based Compensation of Revenue |
0.00% | 0.01% | 0.06% | 0.07% | 0.11% | 0.22% | 0.18% | 0.13% | 0.27% | 0.35% |
Graham Net Nets |
(3.76) | (6.08) | (4.04) | (3.95) | (3.88) | (4.37) | (5.04) | (3.86) | (2.63) | (2.09) |
Graham Number |
6.00 | 0.00 | 0.00 | 2.37 | 5.44 | 9.62 | 0.00 | 0.00 | 4.99 | 3.57 |
Earnings Yield |
9.54% | (5.12%) | (1.23%) | 2.07% | 7.76% | 28.16% | (1.52%) | (2.07%) | 6.15% | 2.68% |
Free Cash Flow Yield |
56.14% | 14.56% | 5.11% | 12.82% | 1.96% | 20.75% | (4.70%) | 8.55% | 18.17% | 1.10% |
Revenue per Share |
10.32 | 9.22 | 9.15 | 9.21 | 9.78 | 9.56 | 9.78 | 9.15 | 8.86 | 8.12 |
Operating CF per Share |
1.61 | 0.24 | 0.13 | 0.32 | 0.05 | 0.44 | (0.09) | 0.22 | 0.60 | 0.06 |
Capex per Share |
(0.02) | (0.01) | 0.00 | (0.01) | (0.01) | (0.01) | 0.00 | (0.01) | 0.00 | (0.02) |
Free Cash Flow per Share |
1.59 | 0.22 | 0.12 | 0.31 | 0.05 | 0.43 | (0.09) | 0.21 | 0.59 | 0.05 |
Cash per Share |
2.14 | 1.74 | 1.39 | 1.42 | 1.21 | 0.95 | 0.64 | 0.62 | 1.20 | 0.65 |
Shareholders Equity per Share |
5.92 | 5.42 | 5.26 | 5.01 | 6.93 | 7.10 | 5.84 | 5.00 | 5.53 | 5.16 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
5.92 | 5.42 | 5.26 | 5.01 | 6.93 | 7.10 | 5.84 | 5.00 | 5.53 | 5.16 |
Free Cash Flow |
32.41 | 4.58 | 2.54 | 6.33 | 0.98 | 8.74 | (1.88) | 4.18 | 12.07 | 0.92 |
Working Capital |
(212.00) | (187.12) | (197.88) | (192.70) | (193.87) | (182.91) | (201.07) | (188.94) | (174.26) | (175.56) |
Capital Expenditures |
(0.47) | (0.22) | (0.08) | (0.13) | (0.11) | (0.23) | (0.07) | (0.28) | (0.10) | (0.40) |
Net Current Asset Value |
(217.02) | (191.14) | (200.90) | (194.71) | (193.87) | (184.21) | (201.07) | (188.94) | (174.85) | (175.56) |
EV/EBIT |
— | 0.00 | 20.42 | 13.39 | 8.82 | 3.30 | 35.26 | 65.66 | 10.68 | 20.51 |
Capex to Sales |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Price to Operating Income |
5.34 | 17.51 | 18.41 | 12.19 | 7.47 | 2.46 | 23.16 | 45.86 | 9.38 | 16.48 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Cash ROIC |
16.35% | 2.54% | 1.50% | 3.84% | 0.49% | 4.41% | (1.14%) | 2.83% | 7.05% | 0.60% |
Accounts Receivable Turnover |
4.33 | 4.20 | 4.34 | 4.49 | 4.03 | 3.84 | 4.58 | 5.14 | 6.57 | 6.92 |
Accounts Payable Turnover |
0.72 | 0.72 | 0.72 | 0.75 | 0.79 | 0.74 | 0.85 | 0.85 | 0.86 | 0.83 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
546.84 | 501.56 | 513.51 | 491.45 | 462.92 | 492.88 | 445.61 | 444.66 | 444.29 | 442.35 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Receivables |
48.63 | 44.78 | 43.05 | 41.84 | 49.49 | 50.93 | 43.30 | 36.09 | 27.57 | 24.02 |
Average Payables |
254.05 | 235.47 | 233.18 | 228.19 | 226.18 | 225.29 | 217.33 | 202.54 | 187.64 | 178.86 |
Average Assets |
407.99 | 381.65 | 374.16 | 384.68 | 403.74 | 391.41 | 360.95 | 343.76 | 330.92 | 316.60 |
Average Common Equity |
115.62 | 108.87 | 104.68 | 121.68 | 143.12 | 131.67 | 109.83 | 107.12 | 109.19 | 103.94 |
Columns are period end dates · fundamentals updated 2 Nov 2026