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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 : 6/10

vs
industry
vs
history
Cash-to-Debt 0.39
AAME's Cash-to-Debt is ranked lower than
88% of the 83 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.23 vs. AAME: 0.39 )
Ranked among companies with meaningful Cash-to-Debt only.
AAME' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.18  Med: 0.91 Max: N/A
Current: 0.39
Equity-to-Asset 0.33
AAME's Equity-to-Asset is ranked higher than
86% of the 83 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.08 vs. AAME: 0.33 )
Ranked among companies with meaningful Equity-to-Asset only.
AAME' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.04  Med: 0.21 Max: 0.33
Current: 0.33
0.04
0.33
Interest Coverage 2.26
AAME's Interest Coverage is ranked lower than
92% of the 83 Companies
in the Global Insurance - Life industry.

( Industry Median: 50.48 vs. AAME: 2.26 )
Ranked among companies with meaningful Interest Coverage only.
AAME' s Interest Coverage Range Over the Past 10 Years
Min: 0.24  Med: 2.26 Max: 5.9
Current: 2.26
0.24
5.9
Beneish M-Score: -2.42
WACC vs ROIC
4.18%
2.09%
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 : 4/10

vs
industry
vs
history
Operating Margin % 2.12
AAME's Operating Margin % is ranked lower than
83% of the 83 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.98 vs. AAME: 2.12 )
Ranked among companies with meaningful Operating Margin % only.
AAME' s Operating Margin % Range Over the Past 10 Years
Min: -0.99  Med: 2.88 Max: 15.53
Current: 2.12
-0.99
15.53
Net Margin % 1.59
AAME's Net Margin % is ranked lower than
82% of the 83 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.17 vs. AAME: 1.59 )
Ranked among companies with meaningful Net Margin % only.
AAME' s Net Margin % Range Over the Past 10 Years
Min: -3.89  Med: 2.65 Max: 6.67
Current: 1.59
-3.89
6.67
ROE % 2.12
AAME's ROE % is ranked lower than
84% of the 83 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.21 vs. AAME: 2.12 )
Ranked among companies with meaningful ROE % only.
AAME' s ROE % Range Over the Past 10 Years
Min: -6.63  Med: 3.49 Max: 10.2
Current: 2.12
-6.63
10.2
ROA % 0.84
AAME's ROA % is ranked higher than
60% of the 83 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.60 vs. AAME: 0.84 )
Ranked among companies with meaningful ROA % only.
AAME' s ROA % Range Over the Past 10 Years
Min: -1.07  Med: 1.27 Max: 3.45
Current: 0.84
-1.07
3.45
3-Year Revenue Growth Rate 4.00
AAME's 3-Year Revenue Growth Rate is ranked lower than
55% of the 76 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.10 vs. AAME: 4.00 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
AAME' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -33.1  Med: 2.5 Max: 26.3
Current: 4
-33.1
26.3
3-Year EBITDA Growth Rate -19.90
AAME's 3-Year EBITDA Growth Rate is ranked lower than
87% of the 71 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.90 vs. AAME: -19.90 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
AAME' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: -13 Max: 58.3
Current: -19.9
0
58.3
3-Year EPS without NRI Growth Rate -38.80
AAME's 3-Year EPS without NRI Growth Rate is ranked lower than
95% of the 64 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.60 vs. AAME: -38.80 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
AAME' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -71  Med: 3.65 Max: 188.4
Current: -38.8
-71
188.4
GuruFocus has detected 5 Warning Signs with Atlantic American Corp $AAME.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» AAME's 10-Y Financials

Financials (Next Earnings Date: 2017-05-12 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

AAME Guru Trades in Q1 2016

Jim Simons 46,600 sh (+1.97%)
» More
Q2 2016

AAME Guru Trades in Q2 2016

Jim Simons 46,500 sh (-0.21%)
» More
Q3 2016

AAME Guru Trades in Q3 2016

Jim Simons 47,000 sh (+1.08%)
» More
Q4 2016

AAME Guru Trades in Q4 2016

Jim Simons 47,100 sh (+0.21%)
» 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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Business Description

Industry: Insurance - Life » Insurance - Life    NAICS: 524113    SIC: 6311
Compare:OTCPK:UTGN, NAS:GWGH, OTCPK:IHRC, OTCPK:EMGC, OTCPK:MDWT, NAS:TIPT, NYSE:IHC, NYSE:CIA, OTCPK:KCLI, NAS:NWLI, NYSE:FFG, NYSE:FGL, NYSE:AEL, NYSE:CNO, NYSE:PRI, OTCPK:STJPF, NYSE:TMK, OTCPK:SLFPF, OTCPK:TDHOY, OTCPK:PWCDF » details
Headquarter Location:USA
Atlantic American Corp is a holding company that operates through its subsidiaries in markets within the life and health and property and casualty insurance industries.

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.

Ratios

vs
industry
vs
history
PE Ratio 35.91
AAME's PE Ratio is ranked lower than
86% of the 77 Companies
in the Global Insurance - Life industry.

( Industry Median: 15.17 vs. AAME: 35.91 )
Ranked among companies with meaningful PE Ratio only.
AAME' s PE Ratio Range Over the Past 10 Years
Min: 5.56  Med: 18.4 Max: 99999999.99
Current: 35.91
5.56
99999999.99
PE Ratio without NRI 35.91
AAME's PE Ratio without NRI is ranked lower than
84% of the 77 Companies
in the Global Insurance - Life industry.

( Industry Median: 15.24 vs. AAME: 35.91 )
Ranked among companies with meaningful PE Ratio without NRI only.
AAME' s PE Ratio without NRI Range Over the Past 10 Years
Min: 2.3  Med: 19.41 Max: 99999999.99
Current: 35.91
2.3
99999999.99
Price-to-Owner-Earnings 25.65
AAME's Price-to-Owner-Earnings is ranked lower than
92% of the 49 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.22 vs. AAME: 25.65 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
AAME' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 1.07  Med: 8.71 Max: 83.43
Current: 25.65
1.07
83.43
PB Ratio 0.76
AAME's PB Ratio is ranked higher than
76% of the 82 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.17 vs. AAME: 0.76 )
Ranked among companies with meaningful PB Ratio only.
AAME' s PB Ratio Range Over the Past 10 Years
Min: 0.14  Med: 0.64 Max: 1.2
Current: 0.76
0.14
1.2
PS Ratio 0.49
AAME's PS Ratio is ranked higher than
71% of the 82 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.92 vs. AAME: 0.49 )
Ranked among companies with meaningful PS Ratio only.
AAME' s PS Ratio Range Over the Past 10 Years
Min: 0.1  Med: 0.47 Max: 1.3
Current: 0.49
0.1
1.3
Price-to-Free-Cash-Flow 89.77
AAME's Price-to-Free-Cash-Flow is ranked lower than
98% of the 51 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.82 vs. AAME: 89.77 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
AAME' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 4.8  Med: 12.21 Max: 440
Current: 89.77
4.8
440
Price-to-Operating-Cash-Flow 61.72
AAME's Price-to-Operating-Cash-Flow is ranked lower than
93% of the 59 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.79 vs. AAME: 61.72 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
AAME' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 4.8  Med: 12.11 Max: 180
Current: 61.72
4.8
180
EV-to-EBIT 19.90
AAME's EV-to-EBIT is ranked lower than
86% of the 116 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.53 vs. AAME: 19.90 )
Ranked among companies with meaningful EV-to-EBIT only.
AAME' s EV-to-EBIT Range Over the Past 10 Years
Min: 0.1  Med: 12.5 Max: 75.3
Current: 19.9
0.1
75.3
EV-to-EBITDA 16.09
AAME's EV-to-EBITDA is ranked lower than
79% of the 117 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.01 vs. AAME: 16.09 )
Ranked among companies with meaningful EV-to-EBITDA only.
AAME' s EV-to-EBITDA Range Over the Past 10 Years
Min: -137.7  Med: 9.4 Max: 33.5
Current: 16.09
-137.7
33.5
PEG Ratio 353.00
AAME's PEG Ratio is ranked lower than
100% of the 47 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.26 vs. AAME: 353.00 )
Ranked among companies with meaningful PEG Ratio only.
AAME' s PEG Ratio Range Over the Past 10 Years
Min: 0.19  Med: 1.87 Max: 99999999.99
Current: 353
0.19
99999999.99
Shiller PE Ratio 28.39
AAME's Shiller PE Ratio is ranked lower than
88% of the 40 Companies
in the Global Insurance - Life industry.

( Industry Median: 9999.00 vs. AAME: 28.39 )
Ranked among companies with meaningful Shiller PE Ratio only.
AAME' s Shiller PE Ratio Range Over the Past 10 Years
Min: 5.64  Med: 28.33 Max: 150
Current: 28.39
5.64
150

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.51
AAME's Dividend Yield % is ranked lower than
99.99% of the 124 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.23 vs. AAME: 0.51 )
Ranked among companies with meaningful Dividend Yield % only.
AAME' s Dividend Yield % Range Over the Past 10 Years
Min: 0.4  Med: 0.53 Max: 1.2
Current: 0.51
0.4
1.2
Dividend Payout Ratio 0.18
AAME's Dividend Payout Ratio is ranked higher than
75% of the 84 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.35 vs. AAME: 0.18 )
Ranked among companies with meaningful Dividend Payout Ratio only.
AAME' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.04  Med: 0.11 Max: 0.18
Current: 0.18
0.04
0.18
Forward Dividend Yield % 0.51
AAME's Forward Dividend Yield % is ranked lower than
99.99% of the 125 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.03 vs. AAME: 0.51 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 0.50
AAME's 5-Year Yield-on-Cost % is ranked lower than
99.99% of the 123 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.51 vs. AAME: 0.50 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
AAME' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.4  Med: 0.53 Max: 1.2
Current: 0.5
0.4
1.2
3-Year Average Share Buyback Ratio 1.10
AAME's 3-Year Average Share Buyback Ratio is ranked higher than
71% of the 63 Companies
in the Global Insurance - Life industry.

( Industry Median: -0.20 vs. AAME: 1.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
AAME' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -23.4  Med: -0.5 Max: 1.7
Current: 1.1
-23.4
1.7

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 0.78
AAME's Price-to-Tangible-Book is ranked higher than
81% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.38 vs. AAME: 0.78 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
AAME' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.22  Med: 0.78 Max: 2.59
Current: 0.78
0.22
2.59
Price-to-Intrinsic-Value-Projected-FCF 0.59
AAME's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
67% of the 46 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.49 vs. AAME: 0.59 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
AAME' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.16  Med: 0.49 Max: 2.98
Current: 0.59
0.16
2.98
Price-to-Median-PS-Value 1.03
AAME's Price-to-Median-PS-Value is ranked lower than
55% of the 69 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.02 vs. AAME: 1.03 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
AAME' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.16  Med: 0.9 Max: 2.3
Current: 1.03
0.16
2.3
Price-to-Graham-Number 1.12
AAME's Price-to-Graham-Number is ranked lower than
51% of the 70 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.11 vs. AAME: 1.12 )
Ranked among companies with meaningful Price-to-Graham-Number only.
AAME' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.22  Med: 0.7 Max: 1.62
Current: 1.12
0.22
1.62
Earnings Yield (Greenblatt) % 5.03
AAME's Earnings Yield (Greenblatt) % is ranked lower than
82% of the 125 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.14 vs. AAME: 5.03 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
AAME' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1.3  Med: 8 Max: 709.1
Current: 5.03
1.3
709.1
Forward Rate of Return (Yacktman) % 19.59
AAME's Forward Rate of Return (Yacktman) % is ranked lower than
99.99% of the 56 Companies
in the Global Insurance - Life industry.

( Industry Median: 23.84 vs. AAME: 19.59 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
AAME' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -32.8  Med: -0.8 Max: 24.9
Current: 19.59
-32.8
24.9

More Statistics

Revenue (TTM) (Mil) $166.1
EPS (TTM) $ 0.11
Beta0.36
Short Percentage of Float0.12%
52-Week Range $3.06 - 4.65
Shares Outstanding (Mil)20.42
» More Articles for AAME

Headlines

Articles On GuruFocus.com
6 Stocks With Strong Yields but Falling Prices Feb 17 2017 
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 

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