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ATLANTIC AMERICAN CORP

Data quality: 100%
AAME
Nasdaq Financial Services Insurance Carriers
$2.55
▲ $0.19 (7.84%)
Mkt Cap: 47.94 M
Price
$2.35
Mkt Cap
47.94 M
Day Range
—
52-Week Range
—
Volume
—
Open —
50D / 200D Avg
—
50D / 200D Avg
—

Quick Summary

Key Takeaways

Revenue declined -0.92% annually over 5 years
ROE of 4.74% is below average
Generating 24.25 M in free cash flow
P/E of 9.39 — trading at a low valuation
Cash machine — converts 474.78% of earnings into free cash flow
Capital efficient — spends only 0.27% of revenue on capex

Growth

Revenue Growth (5Y)
-0.92%
Below sector avg (5.83%)
Revenue (1Y)0.77%
Earnings (1Y)N/A
FCF Growth (3Y)-14.97%

Quality

Return on Equity
4.74%
Below sector avg (9.24%)
ROIC-0.90%
Net Margin2.45%
Op. Margin-2.38%

Safety

Debt / Equity
N/A
Current RatioN/A
Interest Coverage-1.57

Valuation

PE (TTM)
9.39
Below sector avg (11.15)
P/B Ratio0.44
EV/EBITDAN/A
Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (2153 peers)
Metric Stock Sector Median
P/E 9.4 11.1
P/B 0.4 1.2
ROE % 4.7 9.2
Net Margin % 2.5 9.4
Rev Growth 5Y % -0.9 5.8
D/E — 0.5

ETFs Holding This Stock

BRUSX BRUSX
0.20% weight
BRSIX BRSIX
0.17% weight
WEMMX WEMMX
0.03% weight
WEIMX WEIMX
0.03% weight
WMMCX WMMCX
0.03% weight
WMMAX WMMAX
0.03% weight
BSVO logo BSVO EA Bridgeway Omni Small-Cap Value ETF
0.00% weight

All Fundamental Metrics
Growth
Revenue Growth (1Y) 0.77% Revenue Growth (3Y) 0.10%
Earnings Growth (1Y) N/A Earnings Growth (3Y) N/A
Revenue Growth (5Y) -0.92% Earnings Growth (5Y) N/A
Profitability
Revenue (TTM) 208.22 M Net Income (TTM) 5.11 M
ROE 4.74% ROA 1.19%
Gross Margin N/A Operating Margin -2.38%
Net Margin 2.45% Free Cash Flow (TTM) 24.25 M
ROIC -0.90% FCF Growth (3Y) -14.97%
Safety
Debt / Equity N/A Current Ratio N/A
Interest Coverage -1.57 Asset Turnover 0.48
Working Capital N/A Tangible Book Value 109.49 M
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio 9.39 Forward P/E N/A
P/B Ratio 0.44 P/S Ratio 0.23
PEG Ratio N/A Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield 50.58%
Market Cap 47.94 M Enterprise Value 13.49 M
Per Share
EPS (Diluted TTM) 0.23 Revenue / Share 10.21
FCF / Share 1.19 OCF / Share 1.22
EPS CAGR (1Y) N/A EPS CAGR (5Y) N/A
EPS CAGR (10Y) N/A
Efficiency
CapEx / Revenue 0.27% FCF Conversion 474.78%
SBC-Adj. FCF N/A Growth Momentum 1.69

Income Statement

Annual, most recent first
Metric FY2024 FY2023 FY2022 FY2021 FY2020
Revenue 188.23 M 186.79 M 187.85 M 199.55 M 195.35 M
Net Income -4.27 M -171,000.0 1.53 M 4.28 M 12.17 M
EPS (Diluted) -0.23 -0.03 0.06 0.19 0.56
Gross Profit — — — — —
Operating Income -4.96 M 1.54 M 9.63 M -1.50 M 11.51 M
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses — — — — —
D&A — — — — —
Interest Expense 3.42 M 3.27 M 1.95 M 1.39 M 1.61 M
Income Tax -996,000.0 -394,000.0 571,000.0 1.02 M 3.33 M

Balance Sheet

Annual, most recent first
Metric FY2024 FY2023 FY2022 FY2021 FY2020
Total Assets 393.43 M 381.27 M 367.06 M 402.29 M 405.19 M
Total Liabilities 293.82 M 273.99 M 264.87 M 261.00 M 260.13 M
Shareholders' Equity 99.61 M 107.28 M 102.19 M 141.29 M 145.06 M
Total Debt — — — — —
Cash & Equivalents 35.57 M 28.30 M 28.86 M 24.75 M 19.32 M
Current Assets — — — — —
Current Liabilities — — — — —