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Atlantic AmericanAAME +2.78%57 EV-to-EBIT is 3.45 as of Aug. 12, 2026, which is 72% below its 10-year median of 12.21. GuruFocus rates AAME with a GF Score™ of 57/100 and a GF Value™ of $2.03 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 346 Insurance companies, Atlantic American ranks better than 86.42% on this metric.
Atlantic American (NAS:AAME) EV-to-EBIT Explanation
This is a more accurate valuation of companies' operation because it considers the debt and cash on its balance sheet, and non-operating items such as interest payment, tax, and one-time items are not included in the Operating Income.
Atlantic American's Enterprise Value for the quarter that ended in Sep. 2025 was $61.9 Mil.
Atlantic American's 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.
Atlantic American EV-to-EBIT Related Terms
Atlantic American EV-to-EBIT Historical Data
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The historical data trend for Atlantic American's EV-to-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.
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.
Atlantic American's current Enterprise Value is $33.6 Mil.
Atlantic American's 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.
Atlantic American (AAME) has a EV-to-EBIT of 3.45 as of Aug. 12, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Atlantic American and its competitors. This is 72% below median its historical median of 12.21. According to the industry distribution chart, Atlantic American ranks #47 out of 346 companies in the Insurance industry, placing it in the top 13.6%.
Is Atlantic American's EV-to-EBIT too high?
Atlantic American's current EV-to-EBIT of 3.45 is 72% below median its 10-year median of 12.21. The Insurance industry median EV-to-EBIT is 8.46. Atlantic American's value of 3.45 is 59.2% below this industry median. Based on the distribution chart, Atlantic American ranks #47 out of 346 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Atlantic American has a GF Score™ of 57/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Atlantic American's EV-to-EBIT compare to EHTH and STLY?
According to the Insurance industry distribution chart, Atlantic American ranks #47 out of 346 companies for EV-to-EBIT. This places Atlantic American in the top 14% of its industry — outperforming the majority of peers. The industry median EV-to-EBIT is 8.46. Atlantic American's value of 3.45 is 59.2% below this benchmark. While the company's 10-year median is 12.21 vs. the industry median of 8.46, Atlantic American has consistently been below 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 EV-to-EBIT for an Insurance company?
The median EV-to-EBIT among Insurance companies is 8.46, based on 346 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBIT significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Atlantic American's current EV-to-EBIT of 3.45 is 59.2% below 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 EV-to-EBIT mean?
A high EV-to-EBIT can signal that a stock is expensive relative to its fundamentals. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Atlantic American and its competitors. For the Insurance industry, the median EV-to-EBIT is 8.46 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Atlantic American's current EV-to-EBIT is 3.45, which is 72% below median its own 10-year median of 12.21. 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 $1.48 — trading 27.1% below its estimated fair value. The current EV-to-EBIT is 3.45, which is 72% below median its 10-year median of 12.21 and 59.2% below the Insurance industry median of 8.46. Atlantic American's overall GF Score™ is 57/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBIT calculated?
EV-to-EBIT is calculated from a company's financial statements. For Atlantic American (AAME), the current EV-to-EBIT is 3.45 as of Aug. 12, 2026. 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 $1.48 is trading 27.1% below its estimated GF Value™ of $2.03.
GuruFocus considers Atlantic American to be Modestly Undervalued.
Key valuation signals for AAME:
EV-to-EBIT: 3.45 (72% below median its 10-year median of 12.21)
GF Value™: $2.03 vs. price of $1.48 (27.1% below fair value)
Industry Position: 59.2% below the Insurance median (#47 of 346)
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.
57GF Score
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