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Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities, calculated as total liabilities divided by total asset. Atlantic American's Total Liabilities for the quarter that ended in Sep. 2025 was $321.4 Mil. Atlantic American's Total Assets for the quarter that ended in Sep. 2025 was $430.9 Mil.
Therefore, Atlantic American's Liabilities-to-Assets Ratio for the quarter that ended in Sep. 2025 was 0.75.
Atlantic American (NAS:AAME) Liabilities-to-Assets Explanation
Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities. It can vary greatly across different industries, as they have different capital structure. A high Liabilities-to-Assets ratio (more leveraged) suggests that the company might have potential solvency problems, or even a signal of financial distress. Conversely, a low Liabilities-to-Assets ratio usually indicates a healthy financial situation. However, it may also suggest that the company is not expanding or not making good use of debt.
Atlantic American Liabilities-to-Assets Related Terms
Atlantic American Liabilities-to-Assets Historical Data
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The historical data trend for Atlantic American's Liabilities-to-Assets 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: Liabilities-to-Assets Comparison
For the Insurance - Life subindustry, Atlantic American's Liabilities-to-Assets, along with its competitors' market caps and Liabilities-to-Assets 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 Liabilities-to-Assets vs Insurance Industry
For the Insurance industry and Financial Services sector, Atlantic American's Liabilities-to-Assets distribution charts can be found below:
* The bar in red indicates where Atlantic American's Liabilities-to-Assets falls into.
Atlantic American Liabilities-to-Assets Calculation
Liabilities-to-Assets ratio measures the portion of the total liabilities to the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Liabilities-to-Assets ratio is calculated by dividing total liabilities by total asset.
Atlantic American's Liabilities-to-Assets 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 Liabilities-to-Assets of 0.75 as of Sep. 2025. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Atlantic American and its competitors.
Is Atlantic American's Liabilities-to-Assets too high?
Atlantic American's current Liabilities-to-Assets is 0.75. 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 Liabilities-to-Assets compare to PRHI and EHTH?
Atlantic American's Liabilities-to-Assets of 0.75 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Liabilities-to-Assets for an Insurance company?
A good Liabilities-to-Assets depends on the Insurance industry context. However, Liabilities-to-Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Liabilities-to-Assets mean?
A high Liabilities-to-Assets can signal that a stock is expensive relative to its fundamentals. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Atlantic American and its competitors. Atlantic American's current Liabilities-to-Assets is 0.75. 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 $2.03, compared to a current price of $1.36 — trading 33% below its estimated fair value. The current Liabilities-to-Assets is 0.75. 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 Liabilities-to-Assets calculated?
Liabilities-to-Assets is calculated from a company's financial statements. For Atlantic American (AAME), the current Liabilities-to-Assets is 0.75 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 $1.36 is trading 33% below its estimated GF Value™ of $2.03.
GuruFocus considers Atlantic American to be Significantly Undervalued.
Key valuation signals for AAME:
Liabilities-to-Assets: 0.75
GF Value™: $2.03 vs. price of $1.36 (33% below fair value)
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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