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.
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.
Atlantic AmericanAAME -2.53%61 Debt-to-EBITDA is 5.74 as of Sep. 2025, which is 18% above its 10-year median of 4.87. 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. Among 319 Insurance companies, Atlantic American ranks worse than 85.27% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Atlantic American's Debt-to-EBITDA or its related term are showing as below:
AAME'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -25.53 Med: 4.87 Max: 16.43
Current: 3.75
During the past 13 years, the highest Debt-to-EBITDA Ratio of Atlantic American was 16.43. The lowest was -25.53. And the median was 4.87.
AAME's Debt-to-EBITDA is ranked worse than 85.27% of 319
companies
in the Insurance industry
Industry Median: 1.19
vs AAME: 3.75
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Atlantic American Debt-to-EBITDA Related Terms
Atlantic American Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Atlantic American's Debt-to-EBITDA 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.
AAME vs EHTH, STLY, PRHI: Debt-to-EBITDA Comparison
For the Insurance - Life subindustry, Atlantic American's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Atlantic American Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Atlantic American's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Atlantic American's Debt-to-EBITDA falls into.
* 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Sep. 2025) EBITDA data.
Atlantic American (AAME) has a Debt-to-EBITDA of 5.74 as of Sep. 2025. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Atlantic American. This is 18% above median its historical median of 4.87. According to the industry distribution chart, Atlantic American ranks #272 out of 319 companies in the Insurance industry, placing it in the top 85.3%.
Is Atlantic American's Debt-to-EBITDA too high?
Atlantic American's current Debt-to-EBITDA of 5.74 is 18% above median its 10-year median of 4.87. The Insurance industry median Debt-to-EBITDA is 1.19. Atlantic American's value of 5.74 is 382.4% above this industry median. Based on the distribution chart, Atlantic American ranks #272 out of 319 companies in the Insurance industry, which is in the bottom quartile relative to peers. 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 Debt-to-EBITDA compare to EHTH and STLY?
According to the Insurance industry distribution chart, Atlantic American ranks #272 out of 319 companies for Debt-to-EBITDA. This places Atlantic American in the lower half of its industry. The industry median Debt-to-EBITDA is 1.19. Atlantic American's value of 5.74 is 382.4% above this benchmark. While the company's 10-year median is 4.87 vs. the industry median of 1.19, Atlantic American has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for an Insurance company?
The median Debt-to-EBITDA among Insurance companies is 1.19, based on 319 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Atlantic American's current Debt-to-EBITDA of 5.74 is 382.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Atlantic American. For the Insurance industry, the median Debt-to-EBITDA is 1.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Atlantic American's current Debt-to-EBITDA is 5.74, which is 18% above median its own 10-year median of 4.87. 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 $1.57 — trading 22.7% below its estimated fair value. The current Debt-to-EBITDA is 5.74, which is 18% above median its 10-year median of 4.87 and 382.4% above the Insurance industry median of 1.19. 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 Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Atlantic American (AAME), the current Debt-to-EBITDA is 5.74 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 $1.57 is trading 22.7% below its estimated GF Value™ of $2.03.
GuruFocus considers Atlantic American to be Modestly Undervalued.
Key valuation signals for AAME:
Debt-to-EBITDA: 5.74 (18% above median its 10-year median of 4.87)
GF Value™: $2.03 vs. price of $1.57 (22.7% below fair value)
Industry Position: 382.4% above the Insurance median (#272 of 319)
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 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
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
AAME has been successfully added to your 
