AAMENasdaqLife InsuranceFiscal year ends December 31
ATLANTIC AMERICAN CORP
Financials through Q4 FY2025, quarter ended Dec 31, 2025Last filing: 10-K/A on Oct 19, 2026
$1.45+0.40 (+38.10%)
Close on Oct 19, 2026
- Market cap
- $29.58M
- P/E (TTM)
- 5.2
- Dividend yield
- 1.38%
Atlantic American statistics
Financials through Dec 31, 2025, price as of Oct 19, 2026, median of Life Insurance companies for comparison
Valuation
| Measure | Atlantic American | Industry median |
|---|---|---|
| Market Cap | $29.58M | $3.25B |
| Enterprise Value | -$14.06M | $2.52B |
| PE Ratio | 5.18 | 10.32 |
| PS Ratio | 0.14 | 1.08 |
| PB Ratio | 0.24 | 1.48 |
| P/TBV Ratio | 0.24 | 1.56 |
| P/FCF Ratio | 0.91 | 7.95 |
| P/OCF Ratio | 0.90 | 7.31 |
Enterprise value
| Measure | Atlantic American | Industry median |
|---|---|---|
| EV / Sales | -0.07 | 0.93 |
| EV / EBITDA | -1.25 | 6.24 |
| EV / FCF | -0.43 | 7.33 |
Income (trailing twelve months)
| Measure | Atlantic American | Industry median |
|---|---|---|
| Revenue | $210.44M | $4.57B |
| Pretax Income | $7.72M | $589.53M |
| Net Income | $6.02M | $470.80M |
| EBITDA | $11.24M | $657.96M |
| EPS (Diluted) | $0.28 | $4.71 |
Margins
| Measure | Atlantic American | Industry median |
|---|---|---|
| Pretax Margin | 3.67% | 13.7% |
| Profit Margin | 2.86% | 10.7% |
| EBITDA Margin | 5.34% | 13.5% |
| FCF Margin | 15.4% | 17.5% |
Returns
| Measure | Atlantic American | Industry median |
|---|---|---|
| Return on Equity (ROE) | 5.20% | 13.9% |
| Return on Assets (ROA) | 1.47% | 3.31% |
Growth
| Measure | Atlantic American | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 11.9% | 8.06% |
| FCF Growth (YoY) | 608.4% | 7.71% |
| Revenue Growth (3Y CAGR) | 3.86% | 9.53% |
| Revenue Growth (5Y CAGR) | 1.50% | 8.29% |
| EPS Growth (3Y CAGR) | 67.1% | 15.9% |
| EPS Growth (5Y CAGR) | -12.9% | 15.2% |
Balance sheet
| Measure | Atlantic American | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $43.64M | $482.49M |
| Net Cash (Debt) | $43.64M | $300.85M |
| Net Cash Per Share | $2.14 | $5.27 |
| Equity (Book Value) | $120.79M | $3.63B |
| Book Value Per Share | $5.92 | $41.34 |
| Tangible Book Value | $120.79M | $2.59B |
Cash flow (trailing twelve months)
| Measure | Atlantic American | Industry median |
|---|---|---|
| Operating Cash Flow | $32.87M | $631.50M |
| Capital Expenditures | -$466.00K | -$11.90M |
| Free Cash Flow | $32.41M | $661.55M |
| FCF Per Share | $1.59 | $8.91 |
Efficiency
| Measure | Atlantic American | Industry median |
|---|---|---|
| Asset Turnover | 0.52 | 0.27 |
| Revenue Per Employee | $1.27M | $1.73M |
| Profits Per Employee | $36.25K | $208.67K |
| Employee Count | 166 | 1,341 |
Dividends and yields
| Measure | Atlantic American | Industry median |
|---|---|---|
| Earnings Yield | 20.3% | 9.51% |
| FCF Yield | 109.6% | 12.5% |
| Dividend Yield | 1.38% | 2.02% |
| Shareholder Yield | 1.38% | 4.63% |
| Dividend Per Share | $0.02 | $1.75 |
| Dividend Growth (YoY) | 0.00% | 4.86% |
| Years of Dividend Growth | 0 | 3 |
| Payout Ratio | 6.78% | 20.2% |
| FCF Payout Ratio | 1.26% | 16.0% |
Shares
| Measure | Atlantic American | Industry median |
|---|---|---|
| Shares Outstanding | 20,397,200 | 65,596,200 |
| Shares Change (YoY) | -0.01% | -1.19% |
| Shares Change (QoQ) | 0.00% | -0.31% |
| Float | 20,397,200 | 56,719,400 |
| Shares Held by Insiders | 0.00% | 3.34% |
| Shares Held by Institutions | 5.06% | 85.3% |
Taxes
| Measure | Atlantic American | Industry median |
|---|---|---|
| Income Tax | $1.70M | $105.00M |
| Effective Tax Rate | 22.1% | 19.8% |
Scores
| Measure | Atlantic American | Industry median |
|---|---|---|
| Graham Number | $6.11 | $76.86 |
| Graham Upside | 321.2% | 20.9% |
| Altman Z-Score | 0.70 | 0.87 |
| Piotroski F-Score | 7 | 5 |
Calculated by StockData from Atlantic American's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.