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Atlantic AmericanAAME +2.19%52 Equity-to-Asset is 0.27 as of Sep. 2025, which is 13% below its 10-year median of 0.31. GuruFocus rates AAME with a GF Score™ of 52/100 and a GF Value™ of $2.02 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 502 Insurance companies, Atlantic American ranks worse than 51% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Atlantic American's Total Stockholders Equity for the quarter that ended in Sep. 2025 was $109.5 Mil. Atlantic American's Total Assets for the quarter that ended in Sep. 2025 was $408.2 Mil.
Therefore, Atlantic American's Equity to Asset Ratio for the quarter that ended in Sep. 2025 was 0.27.
The historical rank and industry rank for Atlantic American's Equity-to-Asset or its related term are showing as below:
AAME'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.25 Med: 0.31 Max: 0.36
Current: 0.25
During the past 13 years, the highest Equity to Asset Ratio of Atlantic American was 0.36. The lowest was 0.25. And the median was 0.31.
AAME's Equity-to-Asset is ranked worse than 51% of 502
companies
in the Insurance industry
Industry Median: 0.26
vs AAME: 0.25
Atlantic American (NAS:AAME) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Atlantic American Equity-to-Asset Related Terms
Atlantic American Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Atlantic American's Equity-to-Asset 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 PRHI, EHTH, STLY: Equity-to-Asset Comparison
For the Insurance - Life subindustry, Atlantic American's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, Atlantic American's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Atlantic American's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Atlantic American's Equity to Asset Ratio for the fiscal year that ended in Dec. 2024 is calculated as
* 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 Equity-to-Asset of 0.27 as of Sep. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Atlantic American and its competitors. This is 13% below median its historical median of 0.31. Over the past decade, Atlantic American's Equity-to-Asset has ranged from 0.25 to 0.36. According to the industry distribution chart, Atlantic American ranks #256 out of 502 companies in the Insurance industry, placing it in the top 51%.
Is Atlantic American's Equity-to-Asset too high?
Atlantic American's current Equity-to-Asset of 0.27 is 13% below median its 10-year median of 0.31. Over the past 10 years, this metric has ranged from a low of 0.25 to a high of 0.36. The Insurance industry median Equity-to-Asset is 0.26. Atlantic American's value of 0.27 is 3.8% above this industry median. Based on the distribution chart, Atlantic American ranks #256 out of 502 companies in the Insurance industry, which is below the industry midpoint. 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 Equity-to-Asset compare to PRHI and EHTH?
According to the Insurance industry distribution chart, Atlantic American ranks #256 out of 502 companies for Equity-to-Asset. This places Atlantic American in the lower half of its industry. The industry median Equity-to-Asset is 0.26. Atlantic American's value of 0.27 is 3.8% above this benchmark. Historically, Atlantic American's own Equity-to-Asset has ranged from 0.25 to 0.36 over the past decade. While the company's 10-year median is 0.31 vs. the industry median of 0.26, 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 Equity-to-Asset for an Insurance company?
The median Equity-to-Asset among Insurance companies is 0.26, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Atlantic American's current Equity-to-Asset of 0.27 is 3.8% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Atlantic American and its competitors. For the Insurance industry, the median Equity-to-Asset is 0.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Atlantic American's current Equity-to-Asset is 0.27, which is 13% below median its own 10-year median of 0.31. 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 $2.02, compared to a current price of $1.40 — trading 30.7% below its estimated fair value. The current Equity-to-Asset is 0.27, which is 13% below median its 10-year median of 0.31 and 3.8% above the Insurance industry median of 0.26. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Atlantic American (AAME), the current Equity-to-Asset is 0.27 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 $1.40 is trading 30.7% below its estimated GF Value™ of $2.02.
GuruFocus considers Atlantic American to be Significantly Undervalued.
Key valuation signals for AAME:
Equity-to-Asset: 0.27 (13% below median its 10-year median of 0.31)
GF Value™: $2.02 vs. price of $1.40 (30.7% below fair value)
Industry Position: 3.8% above the Insurance median (#256 of 502)
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.
52GF Score
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