Atlantic AmericanAAME -1.17%61 EV-to-FCF is 1.56 as of Jul. 06, 2026, which is 83% below its 10-year median of 9.29. GuruFocus rates AAME with a GF Score™ of 61/100 and a GF Value™ of $2.04 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 393 Insurance companies, Atlantic American ranks better than 89.31% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Atlantic American's Enterprise Value is $37.8 Mil.
Atlantic American's Free Cash Flow for the trailing twelve months (TTM) ended in Sep. 2025 was $24.2 Mil. Therefore, Atlantic American's EV-to-FCF for today is 1.56.
The historical rank and industry rank for Atlantic American's EV-to-FCF or its related term are showing as below:
AAME'
s EV-to-FCF Range Over the Past 10 Years
Min: -98.32 Med: 9.29 Max: 596.12
Current: 1.56
During the past 13 years, the highest EV-to-FCF of Atlantic American was 596.12. The lowest was -98.32. And the median was 9.29.
AAME's EV-to-FCF is ranked better than 89.31% of 393
companies
in the Insurance industry
Industry Median: 9.8
vs AAME: 1.56
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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 (NAS:AAME) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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 $1.69.
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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Atlantic American EV-to-FCF Related Terms
Atlantic American EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Atlantic American's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Atlantic American's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Atlantic American's EV-to-FCF falls into.
Atlantic American's current Enterprise Value is $37.8 Mil.
Atlantic American's Free Cash Flow 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 $24.2 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-FCF of 1.56 as of Jul. 06, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Atlantic American and its competitors. This is 83% below median its historical median of 9.29. According to the industry distribution chart, Atlantic American ranks #42 out of 393 companies in the Insurance industry, placing it in the top 10.7%.
Is Atlantic American's EV-to-FCF too high?
Atlantic American's current EV-to-FCF of 1.56 is 83% below median its 10-year median of 9.29. The Insurance industry median EV-to-FCF is 9.80. Atlantic American's value of 1.56 is 84.1% below this industry median. Based on the distribution chart, Atlantic American ranks #42 out of 393 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 61/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Atlantic American's EV-to-FCF compare to UTGN and AFL?
According to the Insurance industry distribution chart, Atlantic American ranks #42 out of 393 companies for EV-to-FCF. This places Atlantic American in the top 11% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 9.80. Atlantic American's value of 1.56 is 84.1% below this benchmark. While the company's 10-year median is 9.29 vs. the industry median of 9.80, 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-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.80, based on 393 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Atlantic American's current EV-to-FCF of 1.56 is 84.1% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Atlantic American and its competitors. For the Insurance industry, the median EV-to-FCF is 9.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Atlantic American's current EV-to-FCF is 1.56, which is 83% below median its own 10-year median of 9.29. 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 $1.69 — trading 17.2% below its estimated fair value. The current EV-to-FCF is 1.56, which is 83% below median its 10-year median of 9.29 and 84.1% below the Insurance industry median of 9.80. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Atlantic American (AAME), the current EV-to-FCF is 1.56 as of Jul. 06, 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 $1.69 is trading 17.2% below its estimated GF Value™ of $2.04.
GuruFocus considers Atlantic American to be Modestly Undervalued.
Key valuation signals for AAME:
EV-to-FCF: 1.56 (83% below median its 10-year median of 9.29)
GF Value™: $2.04 vs. price of $1.69 (17.2% below fair value)
Industry Position: 84.1% below the Insurance median (#42 of 393)
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
EV-to-FCF 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 
