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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 0.32
AAME's Cash-to-Debt is ranked lower than
88% of the 89 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.95 vs. AAME: 0.32 )
Ranked among companies with meaningful Cash-to-Debt only.
AAME' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.18  Med: 1 Max: N/A
Current: 0.32
Equity-to-Asset 0.34
AAME's Equity-to-Asset is ranked higher than
85% of the 89 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.08 vs. AAME: 0.34 )
Ranked among companies with meaningful Equity-to-Asset only.
AAME' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.04  Med: 0.22 Max: 0.35
Current: 0.34
0.04
0.35
Interest Coverage 1.13
AAME's Interest Coverage is ranked lower than
97% of the 89 Companies
in the Global Insurance - Life industry.

( Industry Median: 118.47 vs. AAME: 1.13 )
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: 1.13
0.24
5.9
Beneish M-Score: -2.61
WACC vs ROIC
4.11%
1.18%
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 % 1.07
AAME's Operating Margin % is ranked lower than
88% of the 88 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.22 vs. AAME: 1.07 )
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: 1.07
-0.99
15.53
Net Margin % 0.90
AAME's Net Margin % is ranked lower than
85% of the 89 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.56 vs. AAME: 0.90 )
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: 0.9
-3.89
6.67
ROE % 1.05
AAME's ROE % is ranked lower than
90% of the 89 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.42 vs. AAME: 1.05 )
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: 1.05
-6.63
10.2
ROA % 0.48
AAME's ROA % is ranked lower than
62% of the 89 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.63 vs. AAME: 0.48 )
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: 0.48
-1.07
3.45
3-Year Revenue Growth Rate 4.00
AAME's 3-Year Revenue Growth Rate is ranked lower than
53% of the 81 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.00 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
88% of the 76 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 73 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.60 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 3 Warning Signs with Atlantic American Corp $AAME.
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» AAME's 30-Y Financials

Financials (Next Earnings Date: 2017-08-11 Est.)


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

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Business Description

Industry: Insurance - Life » Insurance - Life    NAICS: 524113    SIC: 6311
Compare:NAS:GWGH, OTCPK:UTGN, OTCPK:IHRC, OTCPK:EMGC, OTCPK:MDWT, NAS:TIPT, NYSE:IHC, NYSE:CIA, OTCPK:KCLI, OTCPK:CSNRF, NAS:NWLI, NYSE:FFG, NYSE:FGL, NYSE:AEL, NYSE:PRI, NYSE:CNO, OTCPK:ASRRF, OTCPK:STJPF, NYSE:TMK, 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.

Top Ranked Articles about Atlantic American Corp

Atlantic American Reports First Quarter Results

Ratios

vs
industry
vs
history
PE Ratio 74.00
AAME's PE Ratio is ranked lower than
94% of the 82 Companies
in the Global Insurance - Life industry.

( Industry Median: 14.27 vs. AAME: 74.00 )
Ranked among companies with meaningful PE Ratio only.
AAME' s PE Ratio Range Over the Past 10 Years
Min: 5.56  Med: 19 Max: 99999999.99
Current: 74
5.56
99999999.99
PE Ratio without NRI 74.00
AAME's PE Ratio without NRI is ranked lower than
94% of the 82 Companies
in the Global Insurance - Life industry.

( Industry Median: 14.33 vs. AAME: 74.00 )
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: 19.88 Max: 99999999.99
Current: 74
2.3
99999999.99
Price-to-Owner-Earnings 13.03
AAME's Price-to-Owner-Earnings is ranked lower than
67% of the 55 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.29 vs. AAME: 13.03 )
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: 8.75 Max: 83.43
Current: 13.03
1.07
83.43
PB Ratio 0.71
AAME's PB Ratio is ranked higher than
83% of the 88 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.20 vs. AAME: 0.71 )
Ranked among companies with meaningful PB Ratio only.
AAME' s PB Ratio Range Over the Past 10 Years
Min: 0.14  Med: 0.65 Max: 1.2
Current: 0.71
0.14
1.2
PS Ratio 0.45
AAME's PS Ratio is ranked higher than
70% of the 88 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.95 vs. AAME: 0.45 )
Ranked among companies with meaningful PS Ratio only.
AAME' s PS Ratio Range Over the Past 10 Years
Min: 0.1  Med: 0.46 Max: 1.3
Current: 0.45
0.1
1.3
Price-to-Free-Cash-Flow 41.11
AAME's Price-to-Free-Cash-Flow is ranked lower than
96% of the 52 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.00 vs. AAME: 41.11 )
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: 4.72  Med: 13.97 Max: 440
Current: 41.11
4.72
440
Price-to-Operating-Cash-Flow 35.92
AAME's Price-to-Operating-Cash-Flow is ranked lower than
95% of the 60 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.78 vs. AAME: 35.92 )
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: 4.72  Med: 13.85 Max: 188.57
Current: 35.92
4.72
188.57
EV-to-EBIT 29.02
AAME's EV-to-EBIT is ranked lower than
97% of the 72 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.64 vs. AAME: 29.02 )
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: 29.02
0.1
75.3
EV-to-EBITDA 20.99
AAME's EV-to-EBITDA is ranked lower than
92% of the 73 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.12 vs. AAME: 20.99 )
Ranked among companies with meaningful EV-to-EBITDA only.
AAME' s EV-to-EBITDA Range Over the Past 10 Years
Min: -137.7  Med: 9.5 Max: 33.5
Current: 20.99
-137.7
33.5
PEG Ratio 712.00
AAME's PEG Ratio is ranked lower than
100% of the 46 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.11 vs. AAME: 712.00 )
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: 712
0.19
99999999.99
Shiller PE Ratio 27.41
AAME's Shiller PE Ratio is ranked lower than
83% of the 42 Companies
in the Global Insurance - Life industry.

( Industry Median: 19.31 vs. AAME: 27.41 )
Ranked among companies with meaningful Shiller PE Ratio only.
AAME' s Shiller PE Ratio Range Over the Past 10 Years
Min: 5.64  Med: 28.62 Max: 150
Current: 27.41
5.64
150

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.53
AAME's Dividend Yield % is ranked lower than
99.99% of the 125 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.10 vs. AAME: 0.53 )
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: 0.53
0.4
1.2
Forward Dividend Yield % 0.54
AAME's Forward Dividend Yield % is ranked lower than
99.99% of the 122 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.42 vs. AAME: 0.54 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 0.53
AAME's 5-Year Yield-on-Cost % is ranked lower than
99.99% of the 124 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.13 vs. AAME: 0.53 )
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: 0.53
0.4
1.2
3-Year Average Share Buyback Ratio 1.10
AAME's 3-Year Average Share Buyback Ratio is ranked higher than
76% of the 66 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 0.72
AAME's Price-to-Tangible-Book is ranked higher than
85% of the 85 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.44 vs. AAME: 0.72 )
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: 0.79 Max: 88
Current: 0.72
0.22
88
Price-to-Intrinsic-Value-Projected-FCF 0.58
AAME's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
60% of the 52 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.53 vs. AAME: 0.58 )
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: 0.13  Med: 0.46 Max: 9.76
Current: 0.58
0.13
9.76
Price-to-Median-PS-Value 0.98
AAME's Price-to-Median-PS-Value is ranked higher than
59% of the 83 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.03 vs. AAME: 0.98 )
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: 0.17  Med: 0.86 Max: 87.5
Current: 0.98
0.17
87.5
Price-to-Graham-Number 1.51
AAME's Price-to-Graham-Number is ranked lower than
72% of the 76 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.05 vs. AAME: 1.51 )
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: 0.73 Max: 2.05
Current: 1.51
0.22
2.05
Earnings Yield (Greenblatt) % 3.45
AAME's Earnings Yield (Greenblatt) % is ranked lower than
80% of the 87 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.25 vs. AAME: 3.45 )
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: 3.45
1.3
709.1
Forward Rate of Return (Yacktman) % 15.05
AAME's Forward Rate of Return (Yacktman) % is ranked lower than
60% of the 60 Companies
in the Global Insurance - Life industry.

( Industry Median: 21.09 vs. AAME: 15.05 )
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: -1.1 Max: 24.9
Current: 15.05
-32.8
24.9

More Statistics

Revenue (TTM) (Mil) $168.19
EPS (TTM) $ 0.05
Beta0.37
Short Percentage of Float0.10%
52-Week Range $3.06 - 4.65
Shares Outstanding (Mil)20.41
» More Articles for AAME

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More From Other Websites
ETFs with exposure to Atlantic American Corp. : June 1, 2017 Jun 01 2017
Atlantic American Corp. :AAME-US: Earnings Analysis: Q1, 2017 By the Numbers : May 31, 2017 May 31 2017
Atlantic American reports 1Q loss May 12 2017
Atlantic American Reports First Quarter Results May 12 2017
Atlantic American Corp. : AAME-US: Dividend Analysis : April 14th, 2017 (record date) : By the... Apr 17 2017
Atlantic American Corp. :AAME-US: Earnings Analysis: Q4, 2016 By the Numbers : March 28, 2017 Mar 28 2017
Atlantic American posts 4Q profit Mar 15 2017
6 Stocks With Strong Yields but Falling Prices Feb 17 2017
8 High-Yield Stocks With a Negative 1-Year Performance Feb 09 2017
ETFs with exposure to Atlantic American Corp. : January 3, 2017 Jan 03 2017
ETFs with exposure to Atlantic American Corp. : December 14, 2016 Dec 14 2016
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
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
Atlantic American Corp. :AAME-US: Earnings Analysis: Q2, 2016 By the Numbers : August 16, 2016 Aug 16 2016

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