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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%
Market cap
$24.7M
P/E
5.1×
Fwd P/E
—
Dividend yield
0.00%
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 80.93%

Capital & Financial Ratios $m

Market Cap 24.68
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 5.13
Fwd P/E —
P/S ratio 0.12
P/B ratio 0.22
Past 5Y EPS Growth —
This Y EPS Growth —
Next Y EPS Growth —
Next Y revenue growth —
Next 5Y EPS Growth —

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 6.86%
10-year low 10-year high
P/S against its own 10 years 0.04%
10-year low 10-year high
P/B against its own 10 years 0.04%
10-year low 10-year high

Dividends

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

Assets vs Liabilities $m

2022 2023 2024 Q'25
Cash 29 28 36 34
Receivables 41 45 50 65
Inventory — — — —
Other — — — —
70 73 86 100
2022 2023 2024 Q'25
Payables 229 237 256 284
ST’ Debt 34 34 34 34
Other — — — —
263 271 290 317

Compound Annual Growth %

10y 5y 3y
Sales 1.24% (1.03%) (1.93%)
Cash Flow 0.75% 0.00% 64.01%
Earnings 0.00% 0.00% 0.00%
Book Value (0.45%) (3.40%) (11.00%)

Revenue $m

Mar Jun Sep Dec Year
’26 50 55 54 — —
’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
’19 55 43 48 52 198
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 (1) 9 7 — —
’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
’19 (7) 0 0 6 (2)
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 (1) 9 7 — —
’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
’19 (7) 0 0 6 (2)
Fiscal quarters ending in the months shown.

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)
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

Group Line 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 Trend 2025e 2026e 2027e
Price, $
Price, $ Low — 3.06 3.00 2.20 1.46 1.58 2.06 2.12 1.49 1.26

Analyst estimates 2025–2027

Powerpack
High — 5.00 4.35 3.90 3.06 3.48 15.97 3.79 2.63 3.00
People
People Employees — 164 159 161 155 153 140 142 154 153
Revenue/emp, $m — 1.01 1.14 1.15 1.28 1.28 1.43 1.32 1.21 1.23
Income, $m
Income, $m Revenue — 166 181 186 198 195 200 188 187 188
Gross margin, % — 10.89 11.13 7.47 6.80 14.67 10.20 9.41 9.73 7.63
EBT — 4 5 (1) 0 16 5 2 (1) (5)
EBT margin, % — 2.12 2.96 (0.52) (0.21) 7.94 2.66 1.12 (0.30) (2.80)
Net income — 3 5 (1) 0 12 4 2 0 (4)
Depreciation — 13 17 19 18 20 25 20 17 17
Per share, $
Per share, $ Revenue — 8.12 8.86 9.15 9.78 9.56 9.78 9.21 9.15 9.23
Earnings — 0.11 0.20 (0.05) (0.04) 0.58 0.19 0.06 (0.03) (0.23)
Cash flow — 0.06 0.60 0.22 (0.09) 0.44 0.05 0.32 0.13 0.24
Capex — (0.02) 0.00 (0.01) 0.00 (0.01) (0.01) (0.01) 0.00 (0.01)
Free cash flow — 0.05 0.59 0.21 (0.09) 0.43 0.05 0.31 0.12 0.22
Book value — 5.16 5.53 5.00 5.84 7.10 6.93 5.01 5.26 4.88
Shares, m — 20 20 20 20 20 20 20 20 20
Valuation, ×
Valuation, × P/E — 37.27 16.25 0.00 0.00 3.55 12.89 48.40 0.00 0.00
P/S — 0.50 0.37 0.26 0.20 0.22 0.25 0.26 0.27 0.17
P/B — 0.79 0.59 0.48 0.34 0.29 0.35 0.48 0.46 0.32
EV/Sales — 0.63 0.42 0.38 0.31 0.29 0.30 0.29 0.30 0.16
EV/FCF — 113.38 6.26 16.75 (32.38) 6.47 60.11 8.57 21.72 6.47
Cash, $m
Cash, $m Operating cash flow — 1 12 4 (2) 9 1 6 3 5
Capex — 0 0 0 0 0 0 0 0 0
Free cash flow — 1 12 4 (2) 9 1 6 3 5
Balance, $m
Balance, $m Working capital — (176) (174) (189) (201) (183) (194) (193) (198) (204)
Total debt — 34 34 34 34 34 34 34 34 34
Net debt — 20 9 21 21 14 9 5 5 (2)
Shareholders’ equity — 106 113 101 118 145 141 102 107 100
Returns, %
Returns, % ROA — 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)
ROE — 2.15 3.78 (1.03) (0.71) 8.94 2.71 0.93 (0.54) (4.51)
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2024 · latest quarter Sep 2025

Charts ten years each

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 3.4× 7.0× +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. $5.0B 17.8× 13.0× +11.61% (above 0%: growing) +45.16% (above 0%: growing) +7.63% (above 0%: growing) 44.06% 16.73% Compare
GNW Genworth Financial, Inc. $3.7B 17.7× 26.2× +5.85% (above 0%: growing) 0.00% +766.67% (above 0%: growing) 30.09% 7.10% Compare
BHF Brighthouse Financial, Inc. $2.8B 3.9× 3.3× +86.22% (above 0%: growing) +1,520.59% (above 0%: growing) −43,000.00% (below 0%: shrinking) 115.29% 75.59% Compare
FG F&G Annuities & Life, Inc. $2.6B 6.4× 5.8× +4.18% (above 0%: growing) n/m −8.11% (below 0%: shrinking) 16.89% (3.73%) Compare
ABX Abacus Global Management, Inc. $813.6M 29.3× — +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 $250.3M 7.2× 6.2× −6.27% (below 0%: shrinking) +37.32% (above 0%: growing) +145.67% (above 0%: growing) 71.03% 15.21% Compare
CIA Citizens, Inc. $178.8M 15.8× 17.3× −7.19% (below 0%: shrinking) n/m −38.92% (below 0%: shrinking) 14.91% (0.88%) Compare
AAME Atlantic American Corporation $24.7M 5.1× — +20.76% (above 0%: growing) n/m +11,298.28% (above 0%: growing) 9.92% 2.88%
Median of peers $2.7B 11.5× 7.0× +8.73% +41.24% −23.51% 41.02% 15.97%

All 17 Insurance Life stocks →

Atlantic American Corporation (AAME) key facts

  • Concern: Atlantic American Corporation reported a net loss of $4.3 million, or a loss of $0.23 per share, for fiscal 2024.
  • Strength: Atlantic American Corporation’s revenue for fiscal 2024 (year ended December 2024) was $188.2 million, up 0.77% from fiscal 2023.
  • Atlantic American Corporation (AAME) is an Insurance Life company in the Financial sector, listed on Nasdaq.
  • As of October 9, 2026, AAME traded at $1.18, a market capitalization of $24.7 million.
  • At that price the stock trades at 5.1× trailing-twelve-month earnings and 0.1× sales; its P/E is higher than 7% of its own readings over the past ten years.
  • Return on equity was −4.51% and debt-to-equity 0.31.
  • Its Piotroski F-score is 5 out of 9 for fiscal 2024.

Source: company filings (standardised) and stockrow calculations.

Atlantic American Corporation (AAME) Latest News

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stockrow.com/AAME · Data as of Sep 30, 2025 · For information only; not investment advice. · © 2026 stockrow.com