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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.66
AAME's Cash to Debt is ranked higher than
76% of the 147 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.19 vs. AAME: 0.66 )
AAME' s 10-Year Cash to Debt Range
Min: 0.3   Max: No Debt
Current: 0.66

Equity to Asset 0.33
AAME's Equity to Asset is ranked higher than
97% of the 154 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.06 vs. AAME: 0.33 )
AAME' s 10-Year Equity to Asset Range
Min: 0.15   Max: 0.33
Current: 0.33

0.15
0.33
Interest Coverage 5.90
AAME's Interest Coverage is ranked higher than
71% of the 133 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.89 vs. AAME: 5.90 )
AAME' s 10-Year Interest Coverage Range
Min: 0.24   Max: 9999.99
Current: 5.9

0.24
9999.99
F-Score: 6
Z-Score: 0.98
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 : 7/10

vs
industry
vs
history
Operating margin (%) 6.78
AAME's Operating margin (%) is ranked higher than
78% of the 147 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.18 vs. AAME: 6.78 )
AAME' s 10-Year Operating margin (%) Range
Min: -0.99   Max: 15.53
Current: 6.78

-0.99
15.53
Net-margin (%) 6.67
AAME's Net-margin (%) is ranked higher than
83% of the 149 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.94 vs. AAME: 6.67 )
AAME' s 10-Year Net-margin (%) Range
Min: -13.5   Max: 8.78
Current: 6.67

-13.5
8.78
ROE (%) 10.92
AAME's ROE (%) is ranked higher than
86% of the 149 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.91 vs. AAME: 10.92 )
AAME' s 10-Year ROE (%) Range
Min: -15.55   Max: 13.82
Current: 10.92

-15.55
13.82
ROA (%) 3.45
AAME's ROA (%) is ranked higher than
99% of the 149 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.57 vs. AAME: 3.45 )
AAME' s 10-Year ROA (%) Range
Min: -2.9   Max: 3.45
Current: 3.45

-2.9
3.45
Revenue Growth (%) 14.80
AAME's Revenue Growth (%) is ranked higher than
94% of the 141 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.90 vs. AAME: 14.80 )
AAME' s 10-Year Revenue Growth (%) Range
Min: -18.5   Max: 26.3
Current: 14.8

-18.5
26.3
EPS Growth (%) 184.40
AAME's EPS Growth (%) is ranked higher than
99% of the 136 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.50 vs. AAME: 184.40 )
AAME' s 10-Year EPS Growth (%) Range
Min: -64.6   Max: 184.4
Current: 184.4

-64.6
184.4
» AAME's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2013

AAME Guru Trades in Q3 2013

Jim Simons 14,400 sh (+35.85%)
» More
Q4 2013

AAME Guru Trades in Q4 2013

Jim Simons 20,100 sh (+39.58%)
» More
Q1 2014

AAME Guru Trades in Q1 2014

Jim Simons 26,000 sh (+29.35%)
» More
Q2 2014

AAME Guru Trades in Q2 2014

Jim Simons 30,300 sh (+16.54%)
» 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%)



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 8.70
AAME's P/E(ttm) is ranked higher than
97% of the 155 Companies
in the Global Insurance - Life industry.

( Industry Median: 15.10 vs. AAME: 8.70 )
AAME' s 10-Year P/E(ttm) Range
Min: 5.76   Max: 193.75
Current: 8.7

5.76
193.75
P/B 0.90
AAME's P/B is ranked higher than
85% of the 155 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.50 vs. AAME: 0.90 )
AAME' s 10-Year P/B Range
Min: 0.14   Max: 1.21
Current: 0.9

0.14
1.21
P/S 0.60
AAME's P/S is ranked higher than
77% of the 155 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.85 vs. AAME: 0.60 )
AAME' s 10-Year P/S Range
Min: 0.1   Max: 1.35
Current: 0.6

0.1
1.35
PFCF 11.80
AAME's PFCF is ranked higher than
53% of the 155 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.60 vs. AAME: 11.80 )
AAME' s 10-Year PFCF Range
Min: 2.55   Max: 107
Current: 11.8

2.55
107
EV-to-EBIT 9.05
AAME's EV-to-EBIT is ranked higher than
88% of the 155 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.23 vs. AAME: 9.05 )
AAME' s 10-Year EV-to-EBIT Range
Min: 0.2   Max: 105.9
Current: 9.05

0.2
105.9
PEG 0.50
AAME's PEG is ranked higher than
91% of the 155 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.30 vs. AAME: 0.50 )
AAME' s 10-Year PEG Range
Min: 0.09   Max: 6.48
Current: 0.5

0.09
6.48
Shiller P/E 37.30
AAME's Shiller P/E is ranked higher than
51% of the 155 Companies
in the Global Insurance - Life industry.

( Industry Median: 23.40 vs. AAME: 37.30 )
AAME' s 10-Year Shiller P/E Range
Min: 4.09   Max: 110.5
Current: 37.3

4.09
110.5

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.50
AAME's Dividend Yield is ranked lower than
92% of the 135 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.16 vs. AAME: 0.50 )
AAME' s 10-Year Dividend Yield Range
Min: 0.48   Max: 0.74
Current: 0.5

0.48
0.74
Dividend Payout 0.08
AAME's Dividend Payout is ranked higher than
97% of the 155 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.40 vs. AAME: 0.08 )
AAME' s 10-Year Dividend Payout Range
Min: 0.29   Max: 0.67
Current: 0.08

0.29
0.67
Yield on cost (5-Year) 0.50
AAME's Yield on cost (5-Year) is ranked lower than
92% of the 136 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.30 vs. AAME: 0.50 )
AAME' s 10-Year Yield on cost (5-Year) Range
Min: 0.48   Max: 0.74
Current: 0.5

0.48
0.74
Share Buyback Rate -0.80
AAME's Share Buyback Rate is ranked higher than
79% of the 126 Companies
in the Global Insurance - Life industry.

( Industry Median: -0.30 vs. AAME: -0.80 )
AAME' s 10-Year Share Buyback Rate Range
Min: 7.7   Max: -10.6
Current: -0.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.90
AAME's Price/Tangible Book is ranked higher than
92% of the 155 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.80 vs. AAME: 0.90 )
AAME' s 10-Year Price/Tangible Book Range
Min: 0.22   Max: 1.89
Current: 0.9

0.22
1.89
Price/DCF (Projected) 0.60
AAME's Price/DCF (Projected) is ranked higher than
72% of the 155 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.50 vs. AAME: 0.60 )
AAME' s 10-Year Price/DCF (Projected) Range
Min: 0.15   Max: 2.54
Current: 0.6

0.15
2.54
Price/Median PS Value 1.20
AAME's Price/Median PS Value is ranked higher than
61% of the 155 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.00 vs. AAME: 1.20 )
AAME' s 10-Year Price/Median PS Value Range
Min: 0.35   Max: 8.95
Current: 1.2

0.35
8.95
Price/Graham Number 0.60
AAME's Price/Graham Number is ranked higher than
97% of the 155 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.10 vs. AAME: 0.60 )
AAME' s 10-Year Price/Graham Number Range
Min: 0.2   Max: 1.27
Current: 0.6

0.2
1.27
Earnings Yield (Greenblatt) 11.30
AAME's Earnings Yield (Greenblatt) is ranked higher than
84% of the 150 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.40 vs. AAME: 11.30 )
AAME' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.9   Max: 583.9
Current: 11.3

0.9
583.9
Forward Rate of Return (Yacktman) 2.11
AAME's Forward Rate of Return (Yacktman) is ranked higher than
69% of the 134 Companies
in the Global Insurance - Life industry.

( Industry Median: 22.54 vs. AAME: 2.11 )
AAME' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -8.2   Max: 76.2
Current: 2.11

-8.2
76.2

Business Description

Industry: Insurance - Life » Insurance - Life
Compare:LFC, PIAIF, AAGIY, CNPAY, CHPXF » details
Atlantic American Corporation, 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. The Company's main operating subsidiaries are American Southern Insurance Company and American Safety Insurance Company (American Southern) within the property and casualty insurance industry and Bankers Fidelity Life Insurance Company (Bankers Fidelity) within the life and health industry. Each of American Southern and Bankers Fidelity is managed separately based upon its geographic location or the type of products it offers, and is evaluated on its individual performance. The Company's strategy is to focus on well-defined geographic, demographic and/or product niches within the insurance marketplace. Business Automobile Insurance policies provide 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. Surety Bonds are contracts under which one party, the insurance company issuing the surety bond, guarantees to a third party that the primary party would fulfill an obligation in accordance with a contractual agreement. This obligation may involve meeting a contractual commitment, paying a debt or performing certain duties. American Southern provides tailored business automobile insurance coverage, on a multi-year contract basis, to state governments, local municipalities and other large motor pools and fleets (block accounts) that could be specifically rated and underwritten. Bankers Fidelity comprises the life and health operations of the Company and offers a variety of 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. A portion of American Southern's business is marketed through a small number of specialized, experienced independent agents. American Southern's agent selection process is actively managed by internal marketing personnel with active oversight from management. Senior management carefully reviews all new programs prior to implementation. The life and health insurance business also remains highly competitive and includes a large number of insurance companies, many of which have substantially greater financial resources than Bankers Fidelity or the Company. The company's main competitors are 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, etc. The Company's products gener
» 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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