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Atlantic AmericanAAME 61 3-Year ROIIC % is 26.81 as of Dec. 2024, which is 337% above its 10-year median of 6.13. 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 333 Insurance companies, Atlantic American ranks better than 83.18% on this metric.
3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
Atlantic American's 3-Year ROIIC % for the quarter that ended in Dec. 2024 was 26.81%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Atlantic American's 3-Year ROIIC % or its related term are showing as below:
AAME's 3-Year ROIIC % is ranked better than 83.18% of 333
companies
in the Insurance industry
Industry Median: 5.2
vs AAME: 26.81
Atlantic American (NAS:AAME) 3-Year ROIIC % Explanation
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
Atlantic American 3-Year ROIIC % Related Terms
Atlantic American 3-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for Atlantic American's 3-Year ROIIC % 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 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % 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 3-Year ROIIC % vs Insurance Industry
For the Insurance industry and Financial Services sector, Atlantic American's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Atlantic American's 3-Year ROIIC % falls into.
Atlantic American's 3-Year ROIIC % for the quarter that ended in Dec. 2024 is calculated as:
3-Year ROIIC %
=
3-Year Incremental Net Operating Profit After Taxes (NOPAT)**
/
3-Year Incremental Invested Capital**
=
( -1.495926 (Dec. 2024) - 5.4006986 (Dec. 2021) )
/
( 336.32135 (Dec. 2024) - 362.0457 (Dec. 2021) )
=
-6.8966246
/
-25.72435
=
26.81%***
* 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.
** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
Atlantic American (AAME) has a 3-Year ROIIC % of 26.81 as of Dec. 2024. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Atlantic American and its competitors. This is 337% above median its historical median of 6.13. According to the industry distribution chart, Atlantic American ranks #56 out of 333 companies in the Insurance industry, placing it in the top 16.8%.
Is Atlantic American's 3-Year ROIIC % too high?
Atlantic American's current 3-Year ROIIC % of 26.81 is 337% above median its 10-year median of 6.13. The Insurance industry median 3-Year ROIIC % is 5.20. Atlantic American's value of 26.81 is 415.6% above this industry median. Based on the distribution chart, Atlantic American ranks #56 out of 333 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 3-Year ROIIC % compare to UTGN and AFL?
According to the Insurance industry distribution chart, Atlantic American ranks #56 out of 333 companies for 3-Year ROIIC %. This places Atlantic American in the top 17% of its industry — outperforming the majority of peers. The industry median 3-Year ROIIC % is 5.20. Atlantic American's value of 26.81 is 415.6% above this benchmark. While the company's 10-year median is 6.13 vs. the industry median of 5.20, 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 3-Year ROIIC % for an Insurance company?
The median 3-Year ROIIC % among Insurance companies is 5.20, based on 333 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Atlantic American's current 3-Year ROIIC % of 26.81 is 415.6% 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 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Atlantic American and its competitors. For the Insurance industry, the median 3-Year ROIIC % is 5.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Atlantic American's current 3-Year ROIIC % is 26.81, which is 337% above median its own 10-year median of 6.13. 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 $1.62 — trading 20.6% below its estimated fair value. The current 3-Year ROIIC % is 26.81, which is 337% above median its 10-year median of 6.13 and 415.6% above the Insurance industry median of 5.20. 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 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For Atlantic American (AAME), the current 3-Year ROIIC % is 26.81 as of Dec. 2024. 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 $1.62 is trading 20.6% below its estimated GF Value™ of $2.04.
GuruFocus considers Atlantic American to be Modestly Undervalued.
Key valuation signals for AAME:
3-Year ROIIC %: 26.81 (337% above median its 10-year median of 6.13)
GF Value™: $2.04 vs. price of $1.62 (20.6% below fair value)
Industry Position: 415.6% above the Insurance median (#56 of 333)
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
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