AAME (Atlantic American) Net Loan: $1.7 Mil (As of Sep. 2025)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

AAME Atlantic American Corp AAME
61 GF Score
Price $1.59
GF Value $2.03
Valuation Modestly Undervalued
! 2 Warning Signs
View Full Analysis

What is Atlantic American Net Loan?

Atlantic American AAME -0.65% 61 Net Loan is $1.7 Mil as of Sep. 2025. GuruFocus rates AAME with a GF Score™ of 61/100 and a GF Value™ of $2.03 (Modestly Undervalued). The stock has 2 warning signs investors should review.

Atlantic American's quarterly net loan declined from Mar. 2025 ($1.7 Mil) to Jun. 2025 ($1.7 Mil) but then increased from Jun. 2025 ($1.7 Mil) to Sep. 2025 ($1.7 Mil).

Atlantic American's annual net loan increased from Dec. 2022 ($1.8 Mil) to Dec. 2023 ($1.7 Mil) but then declined from Dec. 2023 ($1.7 Mil) to Dec. 2024 ($1.7 Mil).

Atlantic American Net Loan Historical Data

* Premium members only.

The historical data trend for Atlantic American's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Atlantic American Net Loan Chart

Atlantic American Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.98 1.86 1.76 1.78 1.72

Atlantic American Quarterly Data
Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.74 1.72 1.67 1.66 1.67
AAME
61GF Score
Atlantic American Corp AAME
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Atlantic American Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of $1.7 Mil mean?
Atlantic American (AAME) has a Net Loan of $1.7 Mil as of Sep. 2025. The total net loans as recorded on a bank's balance sheet. View historical data on Atlantic American and its competitors.
Is Atlantic American's Net Loan too high?
Atlantic American's current Net Loan is $1.7 Mil. Overall, Atlantic American has a GF Score™ of 61/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Atlantic American's Net Loan compare to EHTH and STLY?
Atlantic American's Net Loan of $1.7 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for an Insurance company?
A good Net Loan depends on the Insurance industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Atlantic American and its competitors. Atlantic American's current Net Loan is $1.7 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Atlantic American stock overvalued right now?
Based on GuruFocus' analysis, Atlantic American (AAME) is currently considered Modestly Undervalued. The stock's GF Value™ is $2.03, compared to a current price of $1.59 — trading 21.7% below its estimated fair value. The current Net Loan is $1.7 Mil. Atlantic American's overall GF Score™ is 61/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Atlantic American (AAME), the current Net Loan is $1.7 Mil as of Sep. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Atlantic American (AAME) Overvalued in 2026?

Based on GuruFocus' analysis, Atlantic American stock appears to be undervalued. The current stock price of $1.59 is trading 21.7% below its estimated GF Value™ of $2.03. GuruFocus considers Atlantic American to be Modestly Undervalued.

Key valuation signals for AAME:

  • Net Loan: $1.7 Mil
  • GF Value™: $2.03 vs. price of $1.59 (21.7% below fair value)
  • GF Score™: 61/100 with 2 warning signs

No single metric tells the full story. See the AAME stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Atlantic American Business Description

Address 4370 Peachtree Road, North East, Atlanta, GA, USA, 30319
Atlantic American Corp operates in specialty markets within the life and health and property and casualty insurance industries. The company has two segments: American Southern, It provides property and casualty insurance including bodily injury and property damage liability coverage, uninsured motorist coverage, and physical damage coverage for commercial accounts, and Bankers Fidelity, the company's life and health operations offer a variety of life and supplemental health products including ordinary and term life insurance, Medicare supplement, and other health insurance.
61GF Score

Get the complete analysis for AAME

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$1.59
Price
$2.03
GF Value