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ATLANTIC AMERICAN CORP (AAME) Stock Fundamental Analysis

NASDAQ:AAME - Nasdaq - US0482091008 - Common Stock - Currency: USD

1.48  -0.06 (-3.9%)

Fundamental Rating

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Overall AAME gets a fundamental rating of 1 out of 10. We evaluated AAME against 143 industry peers in the Insurance industry. AAME may be in some trouble as it scores bad on both profitability and health. AAME does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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1. Profitability

1.1 Basic Checks

AAME had negative earnings in the past year.
AAME had a positive operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: AAME reported negative net income in multiple years.
Of the past 5 years AAME 4 years had a positive operating cash flow.
AAME Yearly Net Income VS EBIT VS OCF VS FCFAAME Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 5M 10M 15M

1.2 Ratios

AAME has a Return On Assets of -1.89%. This is amonst the worse of the industry: AAME underperforms 88.73% of its industry peers.
AAME has a Return On Equity of -6.91%. This is amonst the worse of the industry: AAME underperforms 85.92% of its industry peers.
Industry RankSector Rank
ROA -1.89%
ROE -6.91%
ROIC N/A
ROA(3y)0.37%
ROA(5y)0.76%
ROE(3y)1.1%
ROE(5y)2.15%
ROIC(3y)N/A
ROIC(5y)N/A
AAME Yearly ROA, ROE, ROICAAME Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 2 4 6 8

1.3 Margins

In the last couple of years the Operating Margin of AAME has grown nicely.
The Profit Margin and Operating Margin and Gross Margin are not available for AAME so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3Y-45.12%
OM growth 5Y19.55%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
AAME Yearly Profit, Operating, Gross MarginsAAME Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 2 4 6 8

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2. Health

2.1 Basic Checks

AAME does not have a ROIC to compare to the WACC, probably because it is not profitable.
AAME has about the same amout of shares outstanding than it did 1 year ago.
The number of shares outstanding for AAME has been increased compared to 5 years ago.
AAME has a better debt/assets ratio than last year.
AAME Yearly Shares OutstandingAAME Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 5M 10M 15M 20M
AAME Yearly Total Debt VS Total AssetsAAME Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M 400M

2.2 Solvency

The Debt to FCF ratio of AAME is 30.88, which is on the high side as it means it would take AAME, 30.88 years of fcf income to pay off all of its debts.
AAME has a Debt to FCF ratio of 30.88. This is in the lower half of the industry: AAME underperforms 75.35% of its industry peers.
AAME has a Debt/Equity ratio of 0.36. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of AAME (0.36) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.36
Debt/FCF 30.88
Altman-Z N/A
ROIC/WACCN/A
WACC8.19%
AAME Yearly LT Debt VS Equity VS FCFAAME Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 50M 100M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
AAME Yearly Current Assets VS Current LiabilitesAAME Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 5M 10M 15M 20M 25M

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3. Growth

3.1 Past

The earnings per share for AAME have decreased strongly by -375.46% in the last year.
AAME shows a small growth in Revenue. In the last year, the Revenue has grown by 0.35%.
Measured over the past years, AAME shows a small growth in Revenue. The Revenue has been growing by 0.13% on average per year.
EPS 1Y (TTM)-375.46%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-150%
Revenue 1Y (TTM)0.35%
Revenue growth 3Y-1.47%
Revenue growth 5Y0.13%
Sales Q2Q%-0.16%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
AAME Yearly Revenue VS EstimatesAAME Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 50M 100M 150M
AAME Yearly EPS VS EstimatesAAME Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023

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4. Valuation

4.1 Price/Earnings Ratio

AAME reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
AAME Price Earnings VS Forward Price EarningsAAME Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0 0 0 0 0 0 0

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of AAME indicates a slightly more expensive valuation: AAME is more expensive than 64.79% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 24.69
EV/EBITDA N/A
AAME Per share dataAAME EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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5. Dividend

5.1 Amount

AAME has a Yearly Dividend Yield of 1.32%. Purely for dividend investing, there may be better candidates out there.
AAME's Dividend Yield is comparable with the industry average which is at 3.06.
With a Dividend Yield of 1.32, AAME pays less dividend than the S&P500 average, which is at 2.30.
Industry RankSector Rank
Dividend Yield 1.32%

5.2 History

The dividend of AAME decreases each year by -0.15%.
AAME has paid a dividend for at least 10 years, which is a reliable track record.
AAME has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)-0.15%
Div Incr Years0
Div Non Decr Years3
AAME Yearly Dividends per shareAAME Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2021 2022 2023 2024 0.01 0.01 0.02

5.3 Sustainability

The earnings of AAME are negative and hence is the payout ratio. AAME will probably not be able to sustain this dividend level.
DP-11%
EPS Next 2YN/A
EPS Next 3YN/A
AAME Yearly Income VS Free CF VS DividendAAME Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 2M 4M 6M 8M 10M

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ATLANTIC AMERICAN CORP

NASDAQ:AAME (3/3/2025, 8:10:16 PM)

1.48

-0.06 (-3.9%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-12 2024-11-12/amc
Earnings (Next)03-31 2025-03-31
Inst Owners5.47%
Inst Owner Change-1.33%
Ins Owners24.93%
Ins Owner Change0%
Market Cap30.19M
Analysts0
Price TargetN/A
Short Float %1.15%
Short Ratio9.47
Dividend
Industry RankSector Rank
Dividend Yield 1.32%
Yearly Dividend0.04
Dividend Growth(5Y)-0.15%
DP-11%
Div Incr Years0
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.16
P/FCF 24.69
P/OCF 22.38
P/B 0.29
P/tB 0.29
EV/EBITDA N/A
EPS(TTM)-0.36
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.06
FCFY4.05%
OCF(TTM)0.07
OCFY4.47%
SpS9.11
BVpS5.18
TBVpS5.06
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -1.89%
ROE -6.91%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 0.66%
ROA(3y)0.37%
ROA(5y)0.76%
ROE(3y)1.1%
ROE(5y)2.15%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)1.24%
ROCE(5y)1.74%
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-45.12%
OM growth 5Y19.55%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.48
Health
Industry RankSector Rank
Debt/Equity 0.36
Debt/FCF 30.88
Debt/EBITDA N/A
Cap/Depr 29.37%
Cap/Sales 0.07%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC8.19%
ROIC/WACCN/A
Cap/Depr(3y)9.11%
Cap/Depr(5y)5.77%
Cap/Sales(3y)0.06%
Cap/Sales(5y)0.06%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-375.46%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-150%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)0.35%
Revenue growth 3Y-1.47%
Revenue growth 5Y0.13%
Sales Q2Q%-0.16%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-178.31%
EBIT growth 3Y-45.92%
EBIT growth 5Y19.71%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-85.19%
FCF growth 3Y-33.74%
FCF growth 5Y-9.47%
OCF growth 1Y-83.92%
OCF growth 3Y-33.63%
OCF growth 5Y-10.08%