Atlantic AmericanAAME -2.30%63 FCF Margin % is 12.30% as of Sep. 2025, which is 580% above its 10-year median of 1.81. 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. Among 502 Insurance companies, Atlantic American ranks better than 56.57% on this metric.
The historical rank and industry rank for Atlantic American's FCF Margin % or its related term are showing as below:
AAME'
s FCF Margin % Range Over the Past 10 Years
Min: -0.95 Med: 1.81 Max: 11.65
Current: 11.65
During the past 13 years, the highest FCF Margin % of Atlantic American was 11.65%. The lowest was -0.95%. And the median was 1.81%.
AAME's FCF Margin % is ranked better than 56.57% of 502
companies
in the Insurance industry
Industry Median: 9.63
vs AAME: 11.65
Atlantic American FCF Margin % Related Terms
Atlantic American FCF Margin % Historical Data
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The historical data trend for Atlantic American's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Atlantic American's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Atlantic American's FCF Margin % falls into.
* 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 FCF Margin % of 12.30% as of Sep. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Atlantic American and its competitors. This is 580% above median its historical median of 1.81. According to the industry distribution chart, Atlantic American ranks #218 out of 502 companies in the Insurance industry, placing it in the top 43.4%.
Is Atlantic American's FCF Margin % too high?
Atlantic American's current FCF Margin % of 12.30% is 580% above median its 10-year median of 1.81. The Insurance industry median FCF Margin % is 9.63. Atlantic American's value of 12.30% is 27.7% above this industry median. Based on the distribution chart, Atlantic American ranks #218 out of 502 companies in the Insurance industry, which is above the industry midpoint. 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 FCF Margin % compare to UTGN and AFL?
According to the Insurance industry distribution chart, Atlantic American ranks #218 out of 502 companies for FCF Margin %. This puts Atlantic American in the upper half of its industry. The industry median FCF Margin % is 9.63. Atlantic American's value of 12.30% is 27.7% above this benchmark. While the company's 10-year median is 1.81 vs. the industry median of 9.63, 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 FCF Margin % for an Insurance company?
The median FCF Margin % among Insurance companies is 9.63, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Atlantic American's current FCF Margin % of 12.30% is 27.7% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Atlantic American and its competitors. For the Insurance industry, the median FCF Margin % is 9.63 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Atlantic American's current FCF Margin % is 12.30%, which is 580% above median its own 10-year median of 1.81. 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 FCF Margin % is 12.30%, which is 580% above median its 10-year median of 1.81 and 27.7% above the Insurance industry median of 9.63. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Atlantic American (AAME), the current FCF Margin % is 12.30% 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:
FCF Margin %: 12.30% (580% above median its 10-year median of 1.81)
GF Value™: $2.04 vs. price of $1.70 (16.7% below fair value)
Industry Position: 27.7% above the Insurance median (#218 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.
63GF Score
Get the complete analysis for AAME
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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