AAME (Atlantic American) Change In Receivables: $-13.0 Mil (TTM As of Sep. 2025)

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AAME Atlantic American Corp AAME
52 GF Score
Price $1.42
GF Value $2.03
Valuation Significantly Undervalued
! 2 Warning Signs
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What is Atlantic American Change In Receivables?

Atlantic American AAME 52 Change In Receivables is $-13.0 Mil as of Sep. 2025. GuruFocus rates AAME with a GF Score™ of 52/100 and a GF Value™ of $2.03 (Significantly Undervalued). The stock has 2 warning signs investors should review.

Atlantic American's change in receivables for the quarter that ended in Sep. 2025 was $7.5 Mil. It means Atlantic American's Accounts Receivable declined by $7.5 Mil from Jun. 2025 to Sep. 2025 .

Atlantic American's change in receivables for the fiscal year that ended in Dec. 2024 was $-5.6 Mil. It means Atlantic American's Accounts Receivable increased by $5.6 Mil from Dec. 2023 to Dec. 2024 .

Atlantic American's Accounts Receivable for the quarter that ended in Sep. 2025 was $65.1 Mil.

Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's Accounts Receivable are being managed. Atlantic American's Days Sales Outstanding for the three months ended in Sep. 2025 was 110.49.

In Ben Graham's calculation of liquidation value, Apple Inc's Accounts Receivable are only considered to be worth 75% of book value. Atlantic American's liquidation value for the three months ended in Sep. 2025 was $-193.3 Mil.


Atlantic American  (NAS:AAME) Change In Receivables Explanation

1. Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's Accounts Receivable are being managed.

Atlantic American's Days Sales Outstanding for the quarter that ended in Sep. 2025 is calculated as:

Days Sales Outstanding
=Accounts Receivable/Revenue*Days in Period
=65.093/53.76*91
=110.49

2. In Ben Graham's calculation of liquidation value, Atlantic American's accounts receivable are only considered to be worth 75% of book value:

Atlantic American's liquidation value for the quarter that ended in Sep. 2025 is calculated as:

Liquidation Value
=Cash, Cash Equivalents, Marketable Securities-Total Liabilities+(0.75 * Accounts Receivable)+(0.5 * Total Inventories)
=79.216-321.367+0.75 * 65.093+0.5 * 0
=-193.3

* 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 Change In Receivables Related Terms


Atlantic American Change In Receivables Historical Data

* Premium members only.

The historical data trend for Atlantic American's Change In Receivables 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 Change In Receivables Chart

Atlantic American Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Change In Receivables
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.35 1.55 1.08 -3.52 -5.58

Atlantic American Quarterly Data
Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25
Change In Receivables 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 4.63 1.71 7.37 -29.57 7.50
AAME
52GF Score
Atlantic American Corp AAME
Change In Receivables is just one metric. See GF Score™, valuation, warning signs, and more.
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Atlantic American Change In Receivables Calculation

Change In Accounts Receivable relative to the previous period. It is any increase or decrease in the cash a company is owed by its customers.

Change In Receivables for the trailing twelve months (TTM) ended in Sep. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was $-13.0 Mil.

* 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.

Frequently Asked Questions Learn more about Change In Receivables →
What does a Change In Receivables of $-13.0 Mil mean?
Atlantic American (AAME) has a Change In Receivables of $-13.0 Mil as of Sep. 2025. Change in Receivables is the difference between current-period receivables and past-period receivables. View historical data for Atlantic American and its competitors.
Is Atlantic American's Change In Receivables too high?
Atlantic American's current Change In Receivables is $-13.0 Mil. Overall, Atlantic American has a GF Score™ of 52/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Atlantic American's Change In Receivables compare to EHTH and STLY?
Atlantic American's Change In Receivables of $-13.0 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 Change In Receivables for an Insurance company?
A good Change In Receivables depends on the Insurance industry context. However, Change In Receivables 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 Change In Receivables mean?
A high Change In Receivables can signal that a stock is expensive relative to its fundamentals. Change in Receivables is the difference between current-period receivables and past-period receivables. View historical data for Atlantic American and its competitors. Atlantic American's current Change In Receivables is $-13.0 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 Significantly Undervalued. The stock's GF Value™ is $2.03, compared to a current price of $1.42 — trading 30% below its estimated fair value. The current Change In Receivables is $-13.0 Mil. Atlantic American's overall GF Score™ is 52/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Change In Receivables calculated?
Change In Receivables is calculated from a company's financial statements. For Atlantic American (AAME), the current Change In Receivables is $-13.0 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 $1.42 is trading 30% below its estimated GF Value™ of $2.03. GuruFocus considers Atlantic American to be Significantly Undervalued.

Key valuation signals for AAME:

  • Change In Receivables: $-13.0 Mil
  • GF Value™: $2.03 vs. price of $1.42 (30% below fair value)
  • GF Score™: 52/100 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.
52GF Score

Get the complete analysis for AAME

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

$1.42
Price
$2.03
GF Value