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ATLANTIC AMERICAN CORP AAME

Nasdaq · stock · Life Insurance · website · IPO 1980-01-16

ATLANTIC AMERICAN CORP statistics & valuation

Market cap$34.7M
P / S0.2×
P / B0.3×
P / FCF7.6×
Dividend yield1.18%
Net margin-2.3%
Return on equity-4.3%
FCF margin2.4%

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports.

Profitability & efficiency

Net margin (%)
2.60% 1.60% 2.50% -0.40% -0.20% 6.20% 2.10% 0.80% -0.10% -2.30% 2015201620172018201920202021202220232024
Gross margin (%)
2015201620172018201920202021202220232024
Operating margin (%)
0.50% 0.60% -2.10% -2.10% -3.80% 5.90% -0.70% 5.10% 0.80% -2.60% 2015201620172018201920202021202220232024
Return on equity (%)
4.30% 2.50% 4.00% -0.70% -0.30% 8.40% 3.00% 1.50% -0.20% -4.30% 2015201620172018201920202021202220232024
Shares outstanding
20.4M 20.4M 20.4M 20.2M 20.5M 21.8M 20.4M 20.4M 20.4M 20.4M 2015201620172018201920202021202220232024
Net debt ($)
2015201620172018201920202021202220232024
Share buybacks ($)
2015201620172018201920202021202220232024
Return on assets (%)
1.40% 0.80% 1.30% -0.20% -0.10% 3.00% 1.10% 0.40% 0.00% -1.10% 2015201620172018201920202021202220232024
Free cash flow margin (%)
1.10% 0.60% 6.70% 2.30% -0.90% 4.50% 0.50% 3.40% 1.40% 2.40% 2015201620172018201920202021202220232024
Debt / equity (×)
2015201620172018201920202021202220232024
EPS ($)
-$0.04 $0.56 $0.19 $0.06 -$0.03 -$0.23 2015201620172018201920202021202220232024

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

ATLANTIC AMERICAN CORP trades at about 24.7× earnings — above its 10-year norm (10-year range 4.3×–41.8×, median 16.9×).

4.3× 41.8×

Shaded band = 10-year range (4.3×–41.8×); dot = today's 24.7×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016FY2015
Operating margin-2.6%0.8%5.1%-0.7%5.9%-3.8%-2.1%-2.1%0.6%0.5%
Net margin-2.3%-0.1%0.8%2.1%6.2%-0.2%-0.4%2.5%1.6%2.6%
FCF margin2.4%1.4%3.4%0.5%4.5%-0.9%2.3%6.7%0.6%1.1%
Return on assets-1.1%-0.0%0.4%1.1%3.0%-0.1%-0.2%1.3%0.8%1.4%
Return on equity-4.3%-0.2%1.5%3.0%8.4%-0.3%-0.7%4.0%2.5%4.3%

Computed from company filings · US · as of 2024-12-31. Facts plus Stocktoria's own computed scores — not investment advice.