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Atlantic American Corporation(AAME)Earnings, Financials & Key Ratios
AAME•NASDAQ•Insurance & Managed Care
$1.71
Price updated Jul 6, 2026
AboutAtlantic American Corporation, through its subsidiaries, provides life and health, and property and casualty insurance products in the United States. The company operates through American Southern and Bankers Fidelity segments. It offers property and casualty insurance products, including business automobile insurance coverage for state governments, local municipalities, and other motor pools and fleets; and inland marine and general liability insurance products. The company also provides surety bond coverage for subdivision construction, school bus contracts, as well as performance and payment bonds. In addition, the company provides individual and group whole life insurance, as well as medicare supplement insurance products; and other accident and health insurance coverages, include various individual and group policies for the payment of standard benefits for the treatment of diagnosed cancer and other critical illnesses, as well as various other policies, such as short-term nursing facility care, accident expense, hospital indemnity, and disability coverages. It markets its products through independent agents and brokers. The company was founded in 1937 and is headquartered in Atlanta, Georgia.Show more
- Revenue$188M+0.8%
- Combined Ratio102.8%+2.5%
- Net Income-$4M-2395.9%
- Return on Equity-4.13%-2426.6%
- Medical Cost Ratio92.37%+2.3%
- Operating Margin-2.8%-824.6%
- Net Margin-2.27%-2376.9%
- ROA-1.1%-2311.2%
- Equity / Assets25.32%-10.0%
AAME Price & Volume
Atlantic American Corporation (AAME) stock price & volume — 10-year historical chart
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Volatile Underwriting Performance Masks Revenue Growth Potential
Investment Thesis • Updated 2025Q3
VerdictNeutral
Growth:Accelerating
Profitability:Strained
Financial:Adequate
Cash Flow:Improving
Primary Risk:Underwriting and reserve volatility
Key Thesis Takeaways
- Atlantic American Corporation exhibits a complex financial profile characterized by accelerating revenue growth of 20.8% in 2025Q3, yet remains fundamentally constrained by erratic underwriting profitability and significant loss ratio volatility.
- While the company maintains a conservative capital structure with a debt-to-equity ratio of 0.34, its reliance on investment portfolio liquidations to cover quarterly claims burdens as high as $46.5 million suggests persistent operational fragility.
- Investors should monitor whether recent premium expansion can sustainably offset the historical tendency for combined ratios to exceed 100%, which has historically necessitated reliance on investment income to achieve net profitability.
Verdict Logic
while the company shows recent revenue growth of 20.8%, the persistent underwriting volatility and a combined ratio that frequently exceeds 100% warrant caution regarding long-term earnings sustainability.
AAME Growth Metrics
Atlantic American Corporation (AAME) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years1.24%
5 Years-1.03%
3 Years-1.93%
TTM11.99%
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM173.93%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM165.35%
Return on Capital
10 Years1.39%
5 Years0.86%
3 Years-0.33%
Last Year-1.37%
Peers Comparison
Key metrics vs top competitors for Atlantic American Corporation (AAME)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $1.71 | $34.88M | -7.43 | 0.77% | -2.27% | -4.13% | 1.17% | |
| $9.98 | $212.48M | 7.92 | 4106.21% | 20.78% | 8.95% | — | |
| $4.79 | $194.47M | 3.93 | 36.55% | -19.55% | -3.39% | — | |
| $50.48 | $922.67M | 25.76 | -5.43% | 2.6% | 27.22% | — | |
| $176.98 | $13.74B | 12.59 | 3.82% | 19.37% | 20.32% | — | |
| $52.64 | $4.91B | 22.40 | 0.94% | 5.44% | 9.56% | — |
Compare AAME vs Peers
Atlantic American Corporation (AAME) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
AAME SEC Filings & Documents
Atlantic American Corporation (AAME) SEC filings — annual & quarterly reports (10-K, 10-Q)
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AAME Frequently Asked Questions
Atlantic American Corporation (AAME) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Atlantic American Corporation growing?
Atlantic American Corporation (AAME) grew revenue by 0.8% over the past year. Growth has been modest.
Is AAME profitable?
Yes, Atlantic American Corporation (AAME) is profitable, generating $5.1M in net income for fiscal year 2024 (-2.3% net margin).
Dividend & Returns
Does AAME pay dividends?
Yes, Atlantic American Corporation (AAME) pays a dividend with a yield of 1.17%. This makes it attractive for income-focused investors.
What is AAME's return on equity?
Atlantic American Corporation (AAME) has a return on equity (ROE) of -4.1%. Negative ROE indicates the company is unprofitable.
Industry Metrics
What is Atlantic American Corporation's combined ratio?
Atlantic American Corporation (AAME) has a combined ratio of 102.8%. A ratio above 100% means claims and expenses exceed premiums.