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Atlantic American Corp (AAME) stock analysis

AAMENasdaqLife InsuranceFiscal year ends December 31
Financials through Q4 FY2025, quarter ended Dec 31, 2025Last filing: 10-K/A on Oct 19, 2026Score 10/3069% below fair value
$1.19−0.06 (-4.80%)

Close on Nov 12, 2026Market cap $24.27MP/E 4.3Yield 1.68%

StockData Score

Prices as of Nov 11, 2026How the score works

Value6Growth2Performance2Health0Dividend0

Mixed10 of 30 checks passed

Atlantic American passes 10 of the 30 checks behind our score; 14 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
6/6
Growth
2/6
Past performance
2/6
Financial health
0/6
Dividend
0/6

What stands out

  • Margin of safety over 20%

    The price is 69.0% below fair value, more than the 20% cushion we look for.

  • Trading below fair value

    The share price of $1.25 is below our fair value estimate of $4.03.

  • EPS growing 10%+ a year

    Diluted EPS grew 67.1% a year over the last three fiscal years.

  • P/E below its 5-year median

    Atlantic American's P/E of 4.5 is below its own 5-year median of 14.6.

What to watch

  • Return on equity under 15%

    Return on equity was 5.2% over the last twelve months and averaged 1.6% over five years; we look for 15% on both.

  • Earnings shrank over 5 years

    Net income shrank 13.1% a year on average over the last five fiscal years.

  • Revenue growing under 10% a year

    Revenue grew 3.9% a year over the last three fiscal years, short of the 10% we look for.

  • Return on equity below the industry

    Atlantic American's return on equity of 5.2% is below the Life Insurance median of 12.6%.

Valuation6/6

  • P/E below its 5-year median

    Atlantic American's P/E of 4.5 is below its own 5-year median of 14.6.

  • P/E below the industry

    Atlantic American's P/E of 4.5 is below the Life Insurance median of 10.8.

  • P/S below the industry

    Atlantic American's price-to-sales of 0.12 is below the Life Insurance median of 0.67.

  • P/B below the industry

    Atlantic American's price-to-book of 0.21 is below the Life Insurance median of 1.11.

  • Trading below fair value

    The share price of $1.25 is below our fair value estimate of $4.03.

  • Margin of safety over 20%

    The price is 69.0% below fair value, more than the 20% cushion we look for.

Growth2/6

  • Revenue growing under 10% a year

    Revenue grew 3.9% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growing 10%+ a year

    Diluted EPS grew 67.1% a year over the last three fiscal years.

  • Earnings acceleration

    Needs positive net income now, a year ago and five years ago.

  • Growing faster than the industry

    Revenue grew 11.9% over the last twelve months; the Life Insurance median is 7.1%.

  • Company guidance

    No outlook found in earnings releases from the last twelve months.

  • Gross margin trend

    Banks and insurers do not report gross profit.

Past performance2/6

  • Return on equity under 15%

    Return on equity was 5.2% over the last twelve months and averaged 1.6% over five years; we look for 15% on both.

  • Return on assets over 1%

    Return on assets was 1.5%; for a bank or insurer, 1% or more is considered good.

  • Return on equity below the industry

    Atlantic American's return on equity of 5.2% is below the Life Insurance median of 12.6%.

  • Earnings shrank over 5 years

    Net income shrank 13.1% a year on average over the last five fiscal years.

  • Net margin above its 5-year average

    Net margin was 2.9% over the last twelve months, against a 5-year average of 1.0%.

  • Net margin below the industry

    Atlantic American's net margin of 2.9% is below the Life Insurance median of 8.1%.

Financial health0/6

  • Debt level

    Needs debt and equity figures.

  • Debt trend

    Needs a balance sheet from five years ago with positive equity.

  • Debt coverage

    Needs operating cash flow.

  • Interest coverage

    Interest expense is not reported separately.

  • Short-term liquidity

    Insurers do not split assets into current and non-current.

  • Bankruptcy risk (Altman Z)

    The Altman model does not apply to insurers.

Dividend0/6

  • No dividend

    Atlantic American has not paid a dividend in the last twelve months.

  • Yield against Treasuries

    No dividend.

  • Yield against the market

    No dividend.

  • Dividend stability

    No dividend.

  • Earnings cover

    No dividend.

  • Cash-flow cover

    No dividend.

Scores of similar companies

Fair value

How we estimate it

Our estimate per share

$4.03

The share price is 69% below this estimate.

20%+ below
Near fair value
20%+ above
$1.25Price$4.03Fair value
MethodMultiple usedOwn 5Y medianIndustry medianValue per shareWeight
P/E12.7×14.6×10.8×$3.5650%
P/B0.8×0.4×1.1×$4.5050%
Fair value$4.03100%

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Own 5-year median 14.6
  • Life Insurance median 10.8

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

Medium risk

Average value traded per day
$2.52M
Value traded per 1% price move
$11.75K

Downside

High risk

Typical loss in a bad month
27.1%
Volatility (annualized)
80%
Sharpe ratio, 1 year
-0.76
Beta to the S&P 500 (5Y)
0.64

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2011 to 2025

Operating margin

1.8%−4.1 pts over 5 years

Net margin

2.9%−3.4 pts over 5 years

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