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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

vs
industry
vs
history
Cash to Debt 0.58
AAME's Cash to Debt is ranked lower than
77% of the 78 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.42 vs. AAME: 0.58 )
Ranked among companies with meaningful Cash to Debt only.
AAME' s 10-Year Cash to Debt Range
Min: 0.3  Med: 0.63 Max: N/A
Current: 0.58
Equity to Asset 0.34
AAME's Equity to Asset is ranked higher than
90% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.09 vs. AAME: 0.34 )
Ranked among companies with meaningful Equity to Asset only.
AAME' s 10-Year Equity to Asset Range
Min: 0.17  Med: 0.23 Max: 0.34
Current: 0.34
0.17
0.34
Interest Coverage 3.05
AAME's Interest Coverage is ranked lower than
85% of the 62 Companies
in the Global Insurance - Life industry.

( Industry Median: 14.17 vs. AAME: 3.05 )
Ranked among companies with meaningful Interest Coverage only.
AAME' s 10-Year Interest Coverage Range
Min: 0.24  Med: 2.32 Max: 9999.99
Current: 3.05
0.24
9999.99
F-Score: 5
WACC vs ROIC
4.17%
3.59%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 2.96
AAME's Operating margin (%) is ranked lower than
83% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.15 vs. AAME: 2.96 )
Ranked among companies with meaningful Operating margin (%) only.
AAME' s 10-Year Operating margin (%) Range
Min: -0.99  Med: 4.58 Max: 15.53
Current: 2.96
-0.99
15.53
Net-margin (%) 2.59
AAME's Net-margin (%) is ranked lower than
79% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.54 vs. AAME: 2.59 )
Ranked among companies with meaningful Net-margin (%) only.
AAME' s 10-Year Net-margin (%) Range
Min: -13.5  Med: 2.98 Max: 8.78
Current: 2.59
-13.5
8.78
ROE (%) 3.69
AAME's ROE (%) is ranked lower than
88% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.97 vs. AAME: 3.69 )
Ranked among companies with meaningful ROE (%) only.
AAME' s 10-Year ROE (%) Range
Min: -16.43  Med: 3.86 Max: 12.04
Current: 3.69
-16.43
12.04
ROA (%) 1.35
AAME's ROA (%) is ranked higher than
72% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.68 vs. AAME: 1.35 )
Ranked among companies with meaningful ROA (%) only.
AAME' s 10-Year ROA (%) Range
Min: -2.93  Med: 1.27 Max: 3.5
Current: 1.35
-2.93
3.5
Revenue Growth (3Y)(%) 14.60
AAME's Revenue Growth (3Y)(%) is ranked higher than
62% of the 69 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.20 vs. AAME: 14.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
AAME' s 10-Year Revenue Growth (3Y)(%) Range
Min: -18.5  Med: 7.50 Max: 26.3
Current: 14.6
-18.5
26.3
EBITDA Growth (3Y)(%) 8.70
AAME's EBITDA Growth (3Y)(%) is ranked lower than
58% of the 66 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.10 vs. AAME: 8.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
AAME' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -21.10 Max: 44.2
Current: 8.7
0
44.2
EPS Growth (3Y)(%) 16.60
AAME's EPS Growth (3Y)(%) is ranked higher than
55% of the 64 Companies
in the Global Insurance - Life industry.

( Industry Median: 15.10 vs. AAME: 16.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
AAME' s 10-Year EPS Growth (3Y)(%) Range
Min: -64.6  Med: 12.90 Max: 184.4
Current: 16.6
-64.6
184.4
» AAME's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2014

AAME Guru Trades in Q2 2014

Jim Simons 30,300 sh (+16.54%)
» More
Q3 2014

AAME Guru Trades in Q3 2014

Jim Simons 32,900 sh (+8.58%)
» More
Q4 2014

AAME Guru Trades in Q4 2014

Jim Simons 35,500 sh (+7.90%)
» More
Q1 2015

AAME Guru Trades in Q1 2015

Jim Simons 36,900 sh (+3.94%)
» More
» Details

Insider Trades

Latest Guru Trades with AAME

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 19.90
AAME's P/E(ttm) is ranked lower than
81% of the 73 Companies
in the Global Insurance - Life industry.

( Industry Median: 14.50 vs. AAME: 19.90 )
Ranked among companies with meaningful P/E(ttm) only.
AAME' s 10-Year P/E(ttm) Range
Min: 5.76  Med: 17.49 Max: 193.75
Current: 19.9
5.76
193.75
Forward P/E 7.62
AAME's Forward P/E is ranked higher than
90% of the 51 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.76 vs. AAME: 7.62 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 19.60
AAME's PE(NRI) is ranked lower than
79% of the 73 Companies
in the Global Insurance - Life industry.

( Industry Median: 14.40 vs. AAME: 19.60 )
Ranked among companies with meaningful PE(NRI) only.
AAME' s 10-Year PE(NRI) Range
Min: 2.3  Med: 16.65 Max: 155
Current: 19.6
2.3
155
P/B 0.71
AAME's P/B is ranked higher than
85% of the 79 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.26 vs. AAME: 0.71 )
Ranked among companies with meaningful P/B only.
AAME' s 10-Year P/B Range
Min: 0.14  Med: 0.65 Max: 1.21
Current: 0.71
0.14
1.21
P/S 0.46
AAME's P/S is ranked higher than
80% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.87 vs. AAME: 0.46 )
Ranked among companies with meaningful P/S only.
AAME' s 10-Year P/S Range
Min: 0.1  Med: 0.46 Max: 1.35
Current: 0.46
0.1
1.35
PFCF 37.20
AAME's PFCF is ranked lower than
96% of the 49 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.11 vs. AAME: 37.20 )
Ranked among companies with meaningful PFCF only.
AAME' s 10-Year PFCF Range
Min: 3.49  Med: 10.25 Max: 221
Current: 37.2
3.49
221
POCF 17.71
AAME's POCF is ranked lower than
88% of the 68 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.42 vs. AAME: 17.71 )
Ranked among companies with meaningful POCF only.
AAME' s 10-Year POCF Range
Min: 4.58  Med: 11.08 Max: 198
Current: 17.71
4.58
198
EV-to-EBIT 14.06
AAME's EV-to-EBIT is ranked lower than
79% of the 70 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.99 vs. AAME: 14.06 )
Ranked among companies with meaningful EV-to-EBIT only.
AAME' s 10-Year EV-to-EBIT Range
Min: -28.4  Med: 15.55 Max: 105.9
Current: 14.06
-28.4
105.9
PEG 2.02
AAME's PEG is ranked lower than
81% of the 37 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.19 vs. AAME: 2.02 )
Ranked among companies with meaningful PEG only.
AAME' s 10-Year PEG Range
Min: 0.1  Med: 1.51 Max: 30.29
Current: 2.02
0.1
30.29
Shiller P/E 21.47
AAME's Shiller P/E is ranked lower than
76% of the 59 Companies
in the Global Insurance - Life industry.

( Industry Median: 17.08 vs. AAME: 21.47 )
Ranked among companies with meaningful Shiller P/E only.
AAME' s 10-Year Shiller P/E Range
Min: 4.09  Med: 36.73 Max: 110.5
Current: 21.47
4.09
110.5
Days Sales Outstanding 15.90
AAME's Days Sales Outstanding is ranked higher than
74% of the 35 Companies
in the Global Insurance - Life industry.

( Industry Median: 31.81 vs. AAME: 15.90 )
Ranked among companies with meaningful Days Sales Outstanding only.
AAME' s 10-Year Days Sales Outstanding Range
Min: 16.52  Med: 69.75 Max: 196.69
Current: 15.9
16.52
196.69

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.54
AAME's Dividend Yield is ranked lower than
163% of the 97 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.61 vs. AAME: 0.54 )
Ranked among companies with meaningful Dividend Yield only.
AAME' s 10-Year Dividend Yield Range
Min: 0.48  Med: 0.54 Max: 0.76
Current: 0.54
0.48
0.76
Yield on cost (5-Year) 0.54
AAME's Yield on cost (5-Year) is ranked lower than
154% of the 102 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.63 vs. AAME: 0.54 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
AAME' s 10-Year Yield on cost (5-Year) Range
Min: 0.48  Med: 0.54 Max: 0.76
Current: 0.54
0.48
0.76
Share Buyback Rate 2.20
AAME's Share Buyback Rate is ranked higher than
84% of the 62 Companies
in the Global Insurance - Life industry.

( Industry Median: -0.20 vs. AAME: 2.20 )
Ranked among companies with meaningful Share Buyback Rate only.
AAME' s 10-Year Share Buyback Rate Range
Min: 7.7  Med: -0.60 Max: -10.6
Current: 2.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.73
AAME's Price/Tangible Book is ranked higher than
84% of the 76 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.75 vs. AAME: 0.73 )
Ranked among companies with meaningful Price/Tangible Book only.
AAME' s 10-Year Price/Tangible Book Range
Min: 0.22  Med: 0.74 Max: 1.89
Current: 0.73
0.22
1.89
Price/Projected FCF 0.50
AAME's Price/Projected FCF is ranked higher than
56% of the 48 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.58 vs. AAME: 0.50 )
Ranked among companies with meaningful Price/Projected FCF only.
AAME' s 10-Year Price/Projected FCF Range
Min: 0.14  Med: 0.37 Max: 2.54
Current: 0.5
0.14
2.54
Price/Median PS Value 1.01
AAME's Price/Median PS Value is ranked higher than
61% of the 70 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.06 vs. AAME: 1.01 )
Ranked among companies with meaningful Price/Median PS Value only.
AAME' s 10-Year Price/Median PS Value Range
Min: 0.35  Med: 1.02 Max: 8.95
Current: 1.01
0.35
8.95
Price/Graham Number 0.76
AAME's Price/Graham Number is ranked higher than
75% of the 64 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.98 vs. AAME: 0.76 )
Ranked among companies with meaningful Price/Graham Number only.
AAME' s 10-Year Price/Graham Number Range
Min: 0.2  Med: 0.61 Max: 1.27
Current: 0.76
0.2
1.27
Earnings Yield (Greenblatt) (%) 7.10
AAME's Earnings Yield (Greenblatt) (%) is ranked lower than
70% of the 79 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.60 vs. AAME: 7.10 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
AAME' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.9  Med: 6.00 Max: 583.9
Current: 7.1
0.9
583.9
Forward Rate of Return (Yacktman) (%) -1.63
AAME's Forward Rate of Return (Yacktman) (%) is ranked lower than
86% of the 59 Companies
in the Global Insurance - Life industry.

( Industry Median: 18.84 vs. AAME: -1.63 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
AAME' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -13.1  Med: 16.10 Max: 48.2
Current: -1.63
-13.1
48.2

Business Description

Industry: Insurance - Life » Insurance - Life
Compare:LFC, PIAIF, AAGIY, CNPAY, CHPXF » details
Atlantic American Corp, a Georgia corporation incorporated in 1968. It is a holding company that operates through its subsidiaries in well-defined specialty markets within the life and health and property and casualty insurance industries. In property and casualty operations, the Company, through its operating subsidiary American Southern, provides Business Automobile Insurance, General Liability Insurance, and Property Insurance. Business Automobile Insurance provides bodily injury and/or property damage liability coverage, uninsured motorist coverage and physical damage coverage for commercial accounts. General Liability Insurance policies cover bodily injury and property damage liability for both premises and completed operations exposures for general classes of business. Property Insurance policies provides for payment of losses on personal property caused by fire or other perils. In addition, the Company along with American Southern provides Surety Bonds to a third party where the third party will fulfill the obligations in accordance to a contractual agreement. American Southern directly provides surety bond coverage for school bus transportation and subdivision construction, as well as performance and payment bonds. It also provides personal property, inland marine and general liability coverage. Further, it provides tailored business automobile insurance coverage on multi-year contract basis to state governments, local municipalities and other large motor pools and fleets that can be specifically rated and underwritten. American Southern is licensed to do business in 32 states and the District of Columbia. Its business is marketed through independent agents. It competes with other companies who are in the property and casualty area of operations. Through Bankers Fidelity, the Company's operating subsidiary comprises the life and health operations of the Company and offers life and supplemental health products with a focus on the senior markets. Products offered by Bankers Fidelity include ordinary and term life insurance, Medicare supplement and other accident and health insurance products. It markets its policies through three distribution channels which include traditional independent agents, broker-agents and special market agents. The Company competes with Blue Cross / Blue Shield, Globe Life and Accident Insurance Company, Lincoln Heritage Life Insurance Company, Mutual of Omaha, Oxford Life Insurance Company, United Commercial Travelers of America, United World Life Insurance Company, among others.
» More Articles for AAME

Headlines

Articles On GuruFocus.com
5 Keys to Spotting Value Stocks Jun 11 2014 
Atlantic American Corp. Reports Operating Results (10-Q) Nov 08 2010 
Atlantic American Corp. Reports Operating Results (10-Q) Aug 06 2010 
Atlantic American Corp. Reports Operating Results (10-Q) May 07 2010 
Atlantic American Corp. Reports Operating Results (10-Q) Nov 13 2009 
Atlantic American Corp. (AAME) Chairman, 10% Owner J Mack Robinson buys 7,080 Shares Oct 14 2009 
Atlantic American Corp. (AAME) Chairman, 10% Owner J Mack Robinson buys 8,000 Shares Oct 01 2009 
Atlantic American Corp. (AAME) Chairman, 10% Owner J Mack Robinson buys 10,000 Shares Sep 29 2009 
Atlantic American Corp. Reports Operating Results (10-Q) May 14 2009 
American Axle & Manufacturing Reports Fourth Quarter and Full Year 2008 Financial Results Jan 30 2009 

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