AAME (Atlantic American) EBIT: $9.7 Mil (TTM As of Sep. 2025)


AAME Atlantic American Corp AAME
63 GF Score
Price $1.70
GF Value $2.04
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Atlantic American EBIT?

Atlantic American AAME -2.30% 63 EBIT is $9.7 Mil as of Sep. 2025. GuruFocus rates AAME with a GF Score™ of 63/100 and a GF Value™ of $2.04 (Modestly Undervalued). The stock has 2 warning signs investors should review.

Atlantic American's earnings before interest and taxes (EBIT) for the three months ended in Sep. 2025 was $1.5 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Sep. 2025 was $9.7 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. Atlantic American's annualized ROC % for the quarter that ended in Sep. 2025 was 1.29%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. Atlantic American's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Sep. 2025 was 25.55%.


Atlantic American  (NAS:AAME) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

Atlantic American's annualized ROC % for the quarter that ended in Sep. 2025 is calculated as:

ROC % (Q: Sep. 2025 )
=NOPAT/Average Invested Capital
=EBIT * ( 1 - Tax Rate % )/( (Invested Capital (Q: Jun. 2025 ) + Invested Capital (Q: Sep. 2025 ))/ count )
=6.192 * ( 1 - 24.97% )/( (355.7815 + 365.069)/ 2 )
=4.6458576/360.42525
=1.29 %

where

Invested Capital(Q: Jun. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=429.339 - 29.899 - ( 46.423 - 5% * 55.29 )
=355.7815

Invested Capital(Q: Sep. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=430.855 - 34.03 - ( 34.444 - 5% * 53.76 )
=365.069

Note: The EBIT data used here is four times the quarterly (Sep. 2025) data.

2. Joel Greenblatt's definition of Return on Capital:

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

Atlantic American's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Sep. 2025 )
=9.719/38.045
=25.55 %

* 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 EBIT Related Terms


Atlantic American EBIT Historical Data

* Premium members only.

The historical data trend for Atlantic American's EBIT 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 EBIT Chart

Atlantic American Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
EBIT
Get a 7-Day Free Trial Premium Member Only Premium Member Only 17.11 6.69 4.05 2.70 -1.85

Atlantic American Quarterly Data
Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25
EBIT 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 -1.59 1.37 1.81 4.99 1.55

AAME vs UTGN, AFL, MET: EBIT Comparison

For the Insurance - Life subindustry, Atlantic American's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Insurance Industry

For the Insurance industry and Financial Services sector, Atlantic American's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where Atlantic American's EV-to-EBIT falls into.


AAME
63GF Score
Atlantic American Corp AAME
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
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Atlantic American EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT 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 $9.7 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 EBIT →
What does a EBIT of $9.7 Mil mean?
Atlantic American (AAME) has a EBIT of $9.7 Mil as of Sep. 2025. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Atlantic American.
Is Atlantic American's EBIT too high?
Atlantic American's current EBIT is $9.7 Mil. Overall, Atlantic American has a GF Score™ of 63/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Atlantic American's EBIT compare to UTGN and AFL?
Atlantic American's EBIT of $9.7 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 EBIT for an Insurance company?
A good EBIT depends on the Insurance industry context. However, EBIT 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 EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Atlantic American. Atlantic American's current EBIT is $9.7 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 $2.04, compared to a current price of $1.70 — trading 16.7% below its estimated fair value. The current EBIT is $9.7 Mil. Atlantic American's overall GF Score™ is 63/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBIT calculated?
EBIT is calculated from a company's financial statements. For Atlantic American (AAME), the current EBIT is $9.7 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 $1.70 is trading 16.7% below its estimated GF Value™ of $2.04. GuruFocus considers Atlantic American to be Modestly Undervalued.

Key valuation signals for AAME:

  • EBIT: $9.7 Mil
  • GF Value™: $2.04 vs. price of $1.70 (16.7% below fair value)
  • GF Score™: 63/100 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.
63GF Score

Get the complete analysis for AAME

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

$1.70
Price
$2.04
GF Value