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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 0.35
NAS:AAME's Cash to Debt is ranked lower than
89% of the 91 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.23 vs. NAS:AAME: 0.35 )
Ranked among companies with meaningful Cash to Debt only.
NAS:AAME' s Cash to Debt Range Over the Past 10 Years
Min: 0.3  Med: 0.7 Max: N/A
Current: 0.35
Equity to Asset 0.34
NAS:AAME's Equity to Asset is ranked higher than
89% of the 87 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.08 vs. NAS:AAME: 0.34 )
Ranked among companies with meaningful Equity to Asset only.
NAS:AAME' s Equity to Asset Range Over the Past 10 Years
Min: 0.17  Med: 0.28 Max: 0.35
Current: 0.34
0.17
0.35
Interest Coverage 1.44
NAS:AAME's Interest Coverage is ranked lower than
95% of the 88 Companies
in the Global Insurance - Life industry.

( Industry Median: 80.41 vs. NAS:AAME: 1.44 )
Ranked among companies with meaningful Interest Coverage only.
NAS:AAME' s Interest Coverage Range Over the Past 10 Years
Min: 0.24  Med: 3.05 Max: 5.9
Current: 1.44
0.24
5.9
F-Score: 3
M-Score: -2.47
WACC vs ROIC
4.94%
1.12%
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 (%) 1.32
NAS:AAME's Operating margin (%) is ranked lower than
89% of the 90 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.58 vs. NAS:AAME: 1.32 )
Ranked among companies with meaningful Operating margin (%) only.
NAS:AAME' s Operating margin (%) Range Over the Past 10 Years
Min: -0.99  Med: 3.2 Max: 15.53
Current: 1.32
-0.99
15.53
Net-margin (%) 0.85
NAS:AAME's Net-margin (%) is ranked lower than
90% of the 91 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.43 vs. NAS:AAME: 0.85 )
Ranked among companies with meaningful Net-margin (%) only.
NAS:AAME' s Net-margin (%) Range Over the Past 10 Years
Min: -3.89  Med: 2.72 Max: 7.13
Current: 0.85
-3.89
7.13
ROE (%) 0.95
NAS:AAME's ROE (%) is ranked lower than
89% of the 91 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.19 vs. NAS:AAME: 0.95 )
Ranked among companies with meaningful ROE (%) only.
NAS:AAME' s ROE (%) Range Over the Past 10 Years
Min: -6.63  Med: 3.86 Max: 10.2
Current: 0.95
-6.63
10.2
ROA (%) 0.45
NAS:AAME's ROA (%) is ranked lower than
65% of the 91 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.66 vs. NAS:AAME: 0.45 )
Ranked among companies with meaningful ROA (%) only.
NAS:AAME' s ROA (%) Range Over the Past 10 Years
Min: -1.07  Med: 1.39 Max: 3.45
Current: 0.45
-1.07
3.45
Revenue Growth (3Y)(%) 7.10
NAS:AAME's Revenue Growth (3Y)(%) is ranked higher than
63% of the 82 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.30 vs. NAS:AAME: 7.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NAS:AAME' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -18.6  Med: 7.1 Max: 14.8
Current: 7.1
-18.6
14.8
EBITDA Growth (3Y)(%) 1.50
NAS:AAME's EBITDA Growth (3Y)(%) is ranked lower than
59% of the 79 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.90 vs. NAS:AAME: 1.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NAS:AAME' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -44  Med: -9.5 Max: 71
Current: 1.5
-44
71
EPS Growth (3Y)(%) 1.80
NAS:AAME's EPS Growth (3Y)(%) is ranked lower than
63% of the 73 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.30 vs. NAS:AAME: 1.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NAS:AAME' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -64.6  Med: 5.5 Max: 188.4
Current: 1.8
-64.6
188.4
» NAS:AAME's 10-Y Financials

Financials (Next Earnings Date: 2017-03-29)


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

» Details

Guru Trades

Q4 2015

AAME Guru Trades in Q4 2015

Jim Simons 45,700 sh (+11.74%)
» More
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
» Details

Insider Trades

Latest Guru Trades with AAME

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Business Description

Industry: Insurance - Life » Insurance - Life
Compare:OTCPK:UTGN, NAS:GWGH, OTCPK:IHRC, NAS:TIPT, NYSE:IHC, OTCPK:KCLI, NYSE:CIA, NAS:NWLI, NYSE:AEL, NYSE:FFG, OTCPK:MMHDF, OTCPK:DLLLF, NYSE:CNO, NYSE:PRI, OTCPK:STJPF, OTCPK:TDHOY, NYSE:TMK, OTCPK:SLFPF, OTCPK:SLLDY, NYSE:UNM » details
Atlantic American Corp is a holding company that operates through its subsidiaries in markets within the life & health and property & 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
P/E(ttm) 80.89
AAME's P/E(ttm) is ranked lower than
92% of the 85 Companies
in the Global Insurance - Life industry.

( Industry Median: 9999.00 vs. AAME: 80.89 )
Ranked among companies with meaningful P/E(ttm) only.
AAME' s P/E(ttm) Range Over the Past 10 Years
Min: 5.56  Med: 17.57 Max: 99999999.99
Current: 80.89
5.56
99999999.99
PE(NRI) 80.89
AAME's PE(NRI) is ranked lower than
93% of the 85 Companies
in the Global Insurance - Life industry.

( Industry Median: 14.13 vs. AAME: 80.89 )
Ranked among companies with meaningful PE(NRI) only.
AAME' s PE(NRI) Range Over the Past 10 Years
Min: 2.3  Med: 19.07 Max: 99999999.99
Current: 80.89
2.3
99999999.99
Price/Owner Earnings (ttm) 17.00
AAME's Price/Owner Earnings (ttm) is ranked lower than
70% of the 50 Companies
in the Global Insurance - Life industry.

( Industry Median: 12.37 vs. AAME: 17.00 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
AAME' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 1.07  Med: 8.43 Max: 93.94
Current: 17
1.07
93.94
P/B 0.76
AAME's P/B is ranked higher than
76% of the 89 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.18 vs. AAME: 0.76 )
Ranked among companies with meaningful P/B only.
AAME' s P/B Range Over the Past 10 Years
Min: 0.14  Med: 0.65 Max: 1.2
Current: 0.76
0.14
1.2
P/S 0.50
AAME's P/S is ranked higher than
77% of the 87 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.96 vs. AAME: 0.50 )
Ranked among companies with meaningful P/S only.
AAME' s P/S Range Over the Past 10 Years
Min: 0.1  Med: 0.47 Max: 1.3
Current: 0.5
0.1
1.3
PFCF 103.70
AAME's PFCF is ranked lower than
96% of the 46 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.04 vs. AAME: 103.70 )
Ranked among companies with meaningful PFCF only.
AAME' s PFCF Range Over the Past 10 Years
Min: 5.08  Med: 21.62 Max: 440
Current: 103.7
5.08
440
POCF 65.25
AAME's POCF is ranked lower than
90% of the 61 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.54 vs. AAME: 65.25 )
Ranked among companies with meaningful POCF only.
AAME' s POCF Range Over the Past 10 Years
Min: 4.17  Med: 10.6 Max: 180
Current: 65.25
4.17
180
EV-to-EBIT 28.20
AAME's EV-to-EBIT is ranked lower than
90% of the 67 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.40 vs. AAME: 28.20 )
Ranked among companies with meaningful EV-to-EBIT only.
AAME' s EV-to-EBIT Range Over the Past 10 Years
Min: 0.1  Med: 12.3 Max: 75.3
Current: 28.2
0.1
75.3
EV-to-EBITDA 21.55
AAME's EV-to-EBITDA is ranked lower than
92% of the 65 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.67 vs. AAME: 21.55 )
Ranked among companies with meaningful EV-to-EBITDA only.
AAME' s EV-to-EBITDA Range Over the Past 10 Years
Min: -137.7  Med: 9.45 Max: 33.5
Current: 21.55
-137.7
33.5
Shiller P/E 27.73
AAME's Shiller P/E is ranked lower than
88% of the 42 Companies
in the Global Insurance - Life industry.

( Industry Median: 17.56 vs. AAME: 27.73 )
Ranked among companies with meaningful Shiller P/E only.
AAME' s Shiller P/E Range Over the Past 10 Years
Min: 5.64  Med: 29.59 Max: 150
Current: 27.73
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 122 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.48 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 0.40
AAME's Dividend Payout is ranked lower than
55% of the 84 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.37 vs. AAME: 0.40 )
Ranked among companies with meaningful Dividend Payout only.
AAME' s Dividend Payout Range Over the Past 10 Years
Min: 0.13  Med: 0.5 Max: 0.67
Current: 0.4
0.13
0.67
Forward Dividend Yield 0.50
AAME's Forward Dividend Yield is ranked lower than
99.99% of the 122 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.49 vs. AAME: 0.50 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 0.51
AAME's Yield on cost (5-Year) is ranked lower than
99.99% of the 123 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.74 vs. AAME: 0.51 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
AAME' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.4  Med: 0.53 Max: 1.2
Current: 0.51
0.4
1.2
3-Year Average Share Buyback Ratio 1.30
AAME's 3-Year Average Share Buyback Ratio is ranked higher than
79% of the 67 Companies
in the Global Insurance - Life industry.

( Industry Median: -0.30 vs. AAME: 1.30 )
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: -4  Med: -0.4 Max: 1.7
Current: 1.3
-4
1.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.74
AAME's Price/Tangible Book is ranked higher than
83% of the 87 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.44 vs. AAME: 0.74 )
Ranked among companies with meaningful Price/Tangible Book only.
AAME' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.22  Med: 0.73 Max: 1.3
Current: 0.74
0.22
1.3
Price/Projected FCF 0.55
AAME's Price/Projected FCF is ranked lower than
67% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.45 vs. AAME: 0.55 )
Ranked among companies with meaningful Price/Projected FCF only.
AAME' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.13  Med: 0.42 Max: 2.54
Current: 0.55
0.13
2.54
Price/Median PS Value 1.01
AAME's Price/Median PS Value is ranked higher than
51% of the 67 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.04 vs. AAME: 1.01 )
Ranked among companies with meaningful Price/Median PS Value only.
AAME' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.34  Med: 1.01 Max: 2.3
Current: 1.01
0.34
2.3
Price/Graham Number 1.56
AAME's Price/Graham Number is ranked lower than
80% of the 75 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.04 vs. AAME: 1.56 )
Ranked among companies with meaningful Price/Graham Number only.
AAME' s Price/Graham Number Range Over the Past 10 Years
Min: 0.22  Med: 0.7 Max: 1.62
Current: 1.56
0.22
1.62
Earnings Yield (Greenblatt) (%) 3.53
AAME's Earnings Yield (Greenblatt) (%) is ranked lower than
71% of the 84 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.80 vs. AAME: 3.53 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
AAME' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.3  Med: 8.1 Max: 709.1
Current: 3.53
1.3
709.1

More Statistics

Revenue (TTM) (Mil) $165.9
EPS (TTM) $ 0.05
Beta0.42
Short Percentage of Float0.12%
52-Week Range $3.06 - 5.00
Shares Outstanding (Mil)20.42
» 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 

More From Other Websites
A.M. Best Affirms Credit Ratings of Atlantic American Corporation and Its Subsidiaries Dec 07 2016
Atlantic American Corp. :AAME-US: Earnings Analysis: Q3, 2016 By the Numbers : November 29, 2016 Nov 29 2016
ATLANTIC AMERICAN CORP Financials Nov 22 2016
Atlantic American posts 3Q profit Nov 14 2016
Atlantic American posts 3Q profit Nov 14 2016
ATLANTIC AMERICAN CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Nov 14 2016
Atlantic American Reports Third Quarter and Year to Date Net Income and Announces a New Share... Nov 14 2016
ETF’s with exposure to Atlantic American Corp. : October 18, 2016 Oct 18 2016
ETF’s with exposure to Atlantic American Corp. : September 28, 2016 Sep 28 2016
ETF’s with exposure to Atlantic American Corp. : September 2, 2016 Sep 02 2016
Atlantic American Corp. :AAME-US: Earnings Analysis: Q2, 2016 By the Numbers : August 16, 2016 Aug 16 2016
ATLANTIC AMERICAN CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Aug 12 2016
Atlantic American posts 2Q profit Aug 11 2016
Atlantic American posts 2Q profit Aug 11 2016
Atlantic American Corp. :AAME-US: Earnings Analysis: Q1, 2016 By the Numbers : June 6, 2016 Jun 06 2016
ATLANTIC AMERICAN CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... May 12 2016
Atlantic American posts 1Q profit May 12 2016
Atlantic American posts 1Q profit May 12 2016
ATLANTIC AMERICAN CORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 04 2016
Atlantic American Corp. :AAME-US: Earnings Analysis: Q4, 2015 By the Numbers Apr 05 2016

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