Atlantic American Corporation (AAME) vs Genworth Financial, Inc. (GNW)

Atlantic American Corporation and Genworth Financial, Inc. are both Insurance Life companies. Genworth Financial, Inc. is the larger, with a market value of $3.3B against $21.8M — 152.1× the size. Atlantic American Corporation trades at the lower P/E: 2.9× against 16.6×. Atlantic American Corporation grew revenue faster over the last twelve months: 12.0% against 2.11%. Atlantic American Corporation has the higher net margin (3.64% vs 2.87%) and the higher return on invested capital (5.58% vs 3.41%). Across the 20 metrics below, Atlantic American Corporation leads on 14 and Genworth Financial, Inc. on 6.

Valuation

Metric AAME GNW Insurance Life median
P/E 2.92 16.57 13.24
P/S 0.10 0.45 0.78
P/B 0.20 0.34 1.11
Price to free cash flow 0.90 7.79 7.72
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 34.22% 6.04% 7.55%
Free cash flow yield 111.10% 12.84% 10.98%

Profitability

Metric AAME GNW Insurance Life median
Gross margin 12.51% 29.03% 32.44%
Operating margin 4.67% 6.84% 11.31%
Net margin 3.64% 2.87% 6.61%
Free cash flow margin 11.65% 5.81% 15.04%
Return on equity 7.05% 2.17% 8.67%
Return on assets 1.85% 0.24% 0.67%
Return on invested capital 5.58% 3.41% 8.20%

Growth

Metric AAME GNW Insurance Life median
Revenue growth (TTM) 11.99% 2.11% 7.91%
EPS growth (last fiscal year) (200.00%) (20.59%) (20.59%)
Revenue growth, 5-year CAGR (1.03%) (2.49%) 1.08%
Net income growth, 5-year CAGR 0.00% 4.61% 0.00%

Health

Metric AAME GNW Insurance Life median
Debt to equity 0.31 0.15 0.48
Current ratio 0.31 0.28 0.21
Net debt to EBITDA (0.12) (0.83) 0.12

Dividend

Metric AAME GNW Insurance Life median
Dividend yield 0.00% — 2.18%
Payout ratio 0.00 — 0.26

Size

Metric AAME GNW Insurance Life median
Market cap 21.83m 3.32b 7.92b

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