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Atlantic AmericanAAME +2.78%57 EV-to-EBITDA is 3.33 as of Aug. 12, 2026, which is 71% below its 10-year median of 11.54. 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 348 Insurance companies, Atlantic American ranks better than 85.63% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, Atlantic American's enterprise value is $33.6 Mil.
Atlantic American's EBITDA for the trailing twelve months (TTM) ended in Sep. 2025 was $10.1 Mil. Therefore, Atlantic American's EV-to-EBITDA for today is 3.33.
The historical rank and industry rank for Atlantic American's EV-to-EBITDA or its related term are showing as below:
AAME'
s EV-to-EBITDA Range Over the Past 10 Years
Min: -223.07 Med: 11.54 Max: 61.54
Current: 3.33
During the past 13 years, the highest EV-to-EBITDA of Atlantic American was 61.54. The lowest was -223.07. And the median was 11.54.
AAME's EV-to-EBITDA is ranked better than 85.63% of 348
companies
in the Insurance industry
Industry Median: 8.11
vs AAME: 3.33
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
Atlantic American (NAS:AAME) EV-to-EBITDA Explanation
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Atlantic American's PE Ratio (TTM) for today is calculated as:
Atlantic American's share price for today is $1.48.
Atlantic American's Earnings per Share (Diluted) 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 $0.220.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
The historical data trend for Atlantic American's EV-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.
For the Insurance - Life subindustry, Atlantic American's EV-to-EBITDA, along with its competitors' market caps and EV-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 EV-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Atlantic American's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Atlantic American's EV-to-EBITDA falls into.
Atlantic American's current Enterprise Value is $33.6 Mil.
Atlantic American's EBITDA 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 $10.1 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-EBITDA of 3.33 as of Aug. 12, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Atlantic American. This is 71% below median its historical median of 11.54. According to the industry distribution chart, Atlantic American ranks #50 out of 348 companies in the Insurance industry, placing it in the top 14.4%.
Is Atlantic American's EV-to-EBITDA too high?
Atlantic American's current EV-to-EBITDA of 3.33 is 71% below median its 10-year median of 11.54. The Insurance industry median EV-to-EBITDA is 8.11. Atlantic American's value of 3.33 is 58.9% below this industry median. Based on the distribution chart, Atlantic American ranks #50 out of 348 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-EBITDA compare to EHTH and STLY?
According to the Insurance industry distribution chart, Atlantic American ranks #50 out of 348 companies for EV-to-EBITDA. This places Atlantic American in the top 14% of its industry — outperforming the majority of peers. The industry median EV-to-EBITDA is 8.11. Atlantic American's value of 3.33 is 58.9% below this benchmark. While the company's 10-year median is 11.54 vs. the industry median of 8.11, 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-EBITDA for an Insurance company?
The median EV-to-EBITDA among Insurance companies is 8.11, based on 348 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Atlantic American's current EV-to-EBITDA of 3.33 is 58.9% 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-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Atlantic American. For the Insurance industry, the median EV-to-EBITDA is 8.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Atlantic American's current EV-to-EBITDA is 3.33, which is 71% below median its own 10-year median of 11.54. 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-EBITDA is 3.33, which is 71% below median its 10-year median of 11.54 and 58.9% below the Insurance industry median of 8.11. 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-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For Atlantic American (AAME), the current EV-to-EBITDA is 3.33 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-EBITDA: 3.33 (71% below median its 10-year median of 11.54)
GF Value™: $2.03 vs. price of $1.48 (27.1% below fair value)
Industry Position: 58.9% below the Insurance median (#50 of 348)
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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