ATLANTIC AMERICAN CORP
Datakwaliteit: 100%
AAME
Nasdaq
Financial Services
Insurance Carriers
€ 2,55
▲
€ 0,19
(7,84%)
Marktkapitalisatie: 47,94 M
Prijs
€ 2,35
Marktkapitalisatie
47,94 M
Dagbereik
—
52-Weeksbereik
—
Volume
—
Openen —
50D / 200D Gem.
—
50D / 200D Gem.
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Quick Summary
Belangrijkste Punten
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
Groei
Revenue Growth (5Y)
-0,92%
Onder sectorgemiddelde (5,83%)
Revenue (1Y)0,77%
Earnings (1Y)N/A
FCF Growth (3Y)-14,97%
Kwaliteit
Return on Equity
4,74%
Onder sectorgemiddelde (9,24%)
ROIC-0,90%
Net Margin2,45%
Op. Margin-2,38%
Veiligheid
Debt / Equity
N/A
Current RatioN/A
Interest Coverage-1,57
Waardering
PE (TTM)
9,39
Onder sectorgemiddelde (11,15)
P/B Ratio0,44
EV/EBITDAN/A
Dividend YieldN/A
Koershistorie
Financiële Trends
Sectorvergelijking
vs Financial Services sector mediaan (2153 peers)
Sectorvergelijking
vs Financial Services sector mediaan (2153 peers)| Metriek | Aandeel | Sector Mediaan |
|---|---|---|
| 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 |
All Fundamental Metrics
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
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
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 | — | — | — | — | — |
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