Atlantic AmericanAAME -2.30%63 Net Margin % is 1.07% as of Sep. 2025, which is 11% below its 10-year median of 1.20. 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 503 Insurance companies, Atlantic American ranks worse than 81.51% on this metric.
The historical rank and industry rank for Atlantic American's Net Margin % or its related term are showing as below:
AAME'
s Net Margin % Range Over the Past 10 Years
Min: -2.27 Med: 1.2 Max: 6.23
Current: 2.45
AAME's Net Margin % is ranked worse than 81.51% of 503
companies
in the Insurance industry
Industry Median: 9.29
vs AAME: 2.45
Atlantic American (NAS:AAME) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Atlantic American Net Margin % Related Terms
Atlantic American Net Margin % Historical Data
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The historical data trend for Atlantic American's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Atlantic American's Net Margin % distribution charts can be found below:
* The bar in red indicates where Atlantic American's Net 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 Net Margin % of 1.07% as of Sep. 2025. Net margin is the ratio of total net income to net sales. View historical data on Atlantic American and its competitors. This is 11% below median its historical median of 1.20. According to the industry distribution chart, Atlantic American ranks #410 out of 503 companies in the Insurance industry, placing it in the top 81.5%.
Is Atlantic American's Net Margin % too high?
Atlantic American's current Net Margin % of 1.07% is 11% below median its 10-year median of 1.20. The Insurance industry median Net Margin % is 9.29. Atlantic American's value of 1.07% is 88.5% below this industry median. Based on the distribution chart, Atlantic American ranks #410 out of 503 companies in the Insurance industry, which is in the bottom quartile relative to peers. 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 Net Margin % compare to UTGN and AFL?
According to the Insurance industry distribution chart, Atlantic American ranks #410 out of 503 companies for Net Margin %. This places Atlantic American in the lower half of its industry. The industry median Net Margin % is 9.29. Atlantic American's value of 1.07% is 88.5% below this benchmark. While the company's 10-year median is 1.20 vs. the industry median of 9.29, 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 Net Margin % for an Insurance company?
The median Net Margin % among Insurance companies is 9.29, based on 503 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Atlantic American's current Net Margin % of 1.07% is 88.5% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Atlantic American and its competitors. For the Insurance industry, the median Net Margin % is 9.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Atlantic American's current Net Margin % is 1.07%, which is 11% below median its own 10-year median of 1.20. 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 Net Margin % is 1.07%, which is 11% below median its 10-year median of 1.20 and 88.5% below the Insurance industry median of 9.29. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Atlantic American (AAME), the current Net Margin % is 1.07% 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:
Net Margin %: 1.07% (11% below median its 10-year median of 1.20)
GF Value™: $2.04 vs. price of $1.70 (16.7% below fair value)
Industry Position: 88.5% below the Insurance median (#410 of 503)
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
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