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Buy Day today: Neutral (53) Mixed market breadth · no major macro event

Atlantic American Corporation (AAME)

Financial Services Insurance - Life
1.50 $
-0.6% vs. previous close
Closing price · As of: 31. Jul 2026
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Quality & Balance Sheet

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Basics

Market Cap
0.04$B
Shares Outstanding
20Mio.
Float
19.8%
Beta
0.8

Performance

Perf. 1M
-23.20%
Perf. 3M
-28.00%
Perf. 6M
-34.40%
YTD Performance (%)
-38.50%
52-Week-High Distance
-54.7%
Perf. 1Y
-18.07%
Perf. 3Y
-14.60%
Perf. 5Y
-58.23%

Valuation

P/E
Forward P/E
7.4
PEG
2.4
P/B
P/S
0.2
EV/EBITDA
0.0
Price/FCF
1.4

Profitability

Gross Margin
12.5%
EBIT Margin
Net Margin
2.5%
Return on Equity
4.8%
Return on Assets
1.5%

Balance Sheet & Safety

Equity Ratio
Debt/Equity
Altman Z″
2.37
very solid
Piotroski
8 out of 9

Growth

Sales Growth Last Quarter
20.80%
EPS Growth Last Quarter
-78.40%
Sales Growth (Year)
0.77%
Forward Sales Growth
Forward EPS Growth

Dividend

This stock currently pays no dividend.

Quality & Screener

Stage
4
RS Rating
10
EPS Rating
6
very solid
Piotroski
8 out of 9
Fundamental Rating
C (53 out of 100)
Altman Z″
2.37

AI Rating

Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built

Highlighted are things our editorial team noticed: green = stands out as strong, red = deserves a closer look. No single metric is a verdict on its own — always read it in context.

Next Reporting Date

11. Aug 2026 · Q2 2026

Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.

Sales Per Quarter ($M)
2024: Q2 · 47.7 $M Q2 2024: Q3 · 44.5 $M Q3 2024: Q4 · 49.0 $M Q4 2025: Q1 · 50.1 $M Q1 2025: Q2 · 55.3 $M Q2 2025: Q3 · 53.8 $M Q3
Earnings Per Share Per Quarter ($)
2024: Q2 · -0.03 $ Q2 2024: Q3 · -0.10 $ Q3 2024: Q4 · 0.02 $ Q4 2025: Q1 · 0.04 $ Q1 2025: Q2 · 0.16 $ Q2 2025: Q3 · 0.03 $ Q3
Net Margin Per Quarter (%)
2024: Q2 · -1.4 % Q2 2024: Q3 · -4.5 % Q3 2024: Q4 · 0.8 % Q4 2025: Q1 · 1.6 % Q1 2025: Q2 · 6.0 % Q2 2025: Q3 · 1.1 % Q3
Operating Cash Flow Per Quarter ($M)
2024: Q2 · 0.4 $M Q2 2024: Q3 · 0.1 $M Q3 2024: Q4 · 9.6 $M Q4 2025: Q1 · -0.7 $M Q1 2025: Q2 · 9.3 $M Q2 2025: Q3 · 6.6 $M Q3
Free Cash Flow Per Quarter ($M)
2024: Q2 · 0.4 $M Q2 2024: Q3 · 0.1 $M Q3 2024: Q4 · 9.5 $M Q4 2025: Q1 · -1.0 $M Q1 2025: Q2 · 9.1 $M Q2 2025: Q3 · 6.6 $M Q3
Sales Growth vs. Year-Ago Quarter (%)
2024: Q2 · -3.1 % Q2 2024: Q3 · -0.2 % Q3 2025: Q1 · 6.7 % Q1 2025: Q2 · 16.0 % Q2 2025: Q3 · 20.8 % Q3
EPS Growth vs. Year-Ago Quarter (%)
2024: Q2 · -139.2 % Q2 2024: Q3 · -213.6 % Q3
Price Change in Quarter (%)
2024: Q2 · -39.1 % Q2 2024: Q3 · 0.6 % Q3 2024: Q4 · -9.4 % Q4 2025: Q1 · 10.4 % Q1 2025: Q2 · 27.2 % Q2 2025: Q3 · 34.7 % Q3

Quarterly Figures

Quarterly Figures
Quarter EPS (Earnings Per Share) EPS YoY (%) Sales ($M) Sales YoY (%) Net Margin (%) OCF ($M) FCF ($M)
2024: Q2 -0.03 -139.20 48 -3.10 -1.40 0 0
2024: Q3 -0.10 -213.60 45 -0.20 -4.50 0 0
2024: Q4 0.02 49 0.80 10 10
2025: Q1 0.04 50 6.70 1.60 -1 -1
2025: Q2 0.16 55 16.00 6.00 9 9
2025: Q3 0.03 54 20.80 1.10 7 7
What Do These Terms Mean?
EPS (Earnings Per Share):
Quarterly profit divided by the total share count — how much of the profit works out to a single share.
YoY (Year over Year):
Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
Sales:
All revenue for the quarter, before any costs are deducted — the top line of the income statement.
Net Margin:
What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
OCF (Operating Cash Flow):
The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
FCF (Free Cash Flow):
Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.

About the Company

Atlantic American Corporation bietet über seine Tochtergesellschaften Lebens- und Krankenversicherungen sowie Sach- und Unfallversicherungsprodukte in den USA an. Das Unternehmen ist in den Segmenten American Southern und Bankers Fidelity tätig.

Employees153
HeadquartersAtlanta, GA
Websiteatlam.com
IPO Date11. Apr 1980

Management

Management
Name Title Birth Year
Hilton Hatchett Howell Jr. Chairman of the Board, President & CEO 1962
Sam Krishnamurthy VP and Chief Information Officer
Barbara B. Snyder Vice President of Human Resources
Ricky David Burns Executive Vice President
Casey Brant Hudson Vice President & Controller

Executives per the latest required filings; titles kept in their original language. Source: fundamental data.

Chart

Interactive price chart (TradingView).

Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.

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