Atlantic American Financials

AAME Stock  USD 1.40  0.02  1.41%   
Based on the analysis of Atlantic American's profitability, liquidity, and operating efficiency, Atlantic American may be sliding down financialy. It has an above-average chance of going through some form of financial crunch next quarter. At present, Atlantic American's Retained Earnings are projected to increase significantly based on the last few years of reporting. The current year's Non Current Liabilities Total is expected to grow to about 330.8 M, whereas Short and Long Term Debt Total is forecasted to decline to about 32 M. Key indicators impacting Atlantic American's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio0.370.39
Notably Down
Slightly volatile
Current Ratio0.360.38
Notably Down
Very volatile
Investors should never underestimate Atlantic American's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Atlantic American's cash flow, debt, and profitability to make informed and accurate decisions about investing in Atlantic American.

Net Income

(186,817)

  
Understanding current and past Atlantic American Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Atlantic American's financial statements are interrelated, with each one affecting the others. For example, an increase in Atlantic American's assets may result in an increase in income on the income statement.
Please note, the presentation of Atlantic American's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Atlantic American's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Atlantic American's management manipulating its earnings.

Atlantic American Stock Summary

Atlantic American competes with CNO Financial, MetLife Preferred, FG Annuities, Prudential PLC, and AIA Group. Atlantic American Corporation, through its subsidiaries, provides life and health, and property and casualty insurance products in the United States. The company was founded in 1937 and is headquartered in Atlanta, Georgia. Atlantic Amer operates under InsuranceLife classification in the United States and is traded on NASDAQ Exchange. It employs 138 people.
Specialization
Financial Services, Insurance - Life
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS0482091008
CUSIP048209100
LocationGeorgia; U.S.A
Business Address4370 Peachtree Road,
SectorInsurance
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.atlam.com
Phone404 266 5500
CurrencyUSD - US Dollar

Atlantic American Key Financial Ratios

Atlantic American Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets405.2M402.3M367.1M381.3M438.5M348.0M
Net Debt14.4M9.0M6.9M8.5M7.6M8.0M
Retained Earnings47.8M51.3M52.0M50.9M58.6M61.5M
Other Assets(201.4M)(209.7M)321.5M1.00.90.86
Net Receivables45.3M56.6M42.4M41.3M37.2M35.5M
Other Current Assets48.9M41.4M48.0M53.7M48.3M50.8M
Total Current Assets330.0M328.1M28.9M28.3M25.5M24.2M
Accounts Payable26.4M25.5M26.5M24.8M22.3M19.8M
Cash19.3M24.8M28.9M28.3M32.5M30.9M
Other Current Liab(26.4M)(25.5M)(4.0M)42.6M38.4M36.4M
Other Liab164.8M175.9M172.8M174.3M156.9M155.1M
Net Tangible Assets98.8M115.8M142.5M138.7M159.5M120.6M

Atlantic American Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense1.6M1.4M2.0M3.3M2.9M2.4M
Total Revenue195.3M199.6M187.9M186.8M214.8M160.7M
Gross Profit195.3M199.6M187.9M186.8M214.8M160.7M
Operating Income15.4M5.3M3.2M186.8M214.8M225.6M
Ebit17.1M400.5M4.0M2.7M3.1M3.0M
Ebitda18.1M401.5M4.9M3.4M3.9M3.7M
Net Income12.2M4.3M1.5M(171K)(196.7K)(186.8K)
Income Tax Expense3.3M1.0M571K(394K)(354.6K)(336.9K)
Income Before Tax15.5M5.3M2.1M(565K)(508.5K)(483.1K)
Tax Provision(21K)3.3M1.0M571K656.7K1.1M
Net Interest Income(2.1M)(1.6M)(1.4M)(2.0M)(1.8M)(1.8M)

Atlantic American Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash6.4M5.4M4.1M(562K)(505.8K)(480.5K)
Free Cash Flow8.7M981K6.3M2.5M2.9M3.2M
Depreciation980K1.0M890K652K586.8K557.5K
Other Non Cash Items(2.8M)(7.0M)2.8M2.0M1.8M1.7M
Capital Expenditures233K107K126K80K72K68.4K
Net Income12.2M4.3M1.5M(171K)(196.7K)(186.8K)
End Period Cash Flow19.3M24.8M28.9M28.3M25.5M25.7M
Investments(124.0M)(2.1M)5.4M(3.4M)(3.9M)(4.1M)
Change To Netincome3.6M(1.8M)(25.9M)(30.6M)(27.5M)(26.1M)

Atlantic Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Atlantic American's current stock value. Our valuation model uses many indicators to compare Atlantic American value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Atlantic American competition to find correlations between indicators driving Atlantic American's intrinsic value. More Info.
Atlantic American is rated below average in return on equity category among its peers. It is number one stock in return on asset category among its peers . At present, Atlantic American's Return On Equity is projected to slightly decrease based on the last few years of reporting. Comparative valuation analysis is a catch-all technique that is used if you cannot value Atlantic American by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

Atlantic American Systematic Risk

Atlantic American's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Atlantic American volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty with a total number of output elements of fourty-one. The Beta measures systematic risk based on how returns on Atlantic American correlated with the market. If Beta is less than 0 Atlantic American generally moves in the opposite direction as compared to the market. If Atlantic American Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Atlantic American is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Atlantic American is generally in the same direction as the market. If Beta > 1 Atlantic American moves generally in the same direction as, but more than the movement of the benchmark.

About Atlantic American Financials

What exactly are Atlantic American Financials? Typically, a company's financial statements are the reports that show the financial position of the company. Three primary documents fall into the category of financial statements. These documents include Atlantic American's income statement, its balance sheet, and the statement of cash flows. Potential Atlantic American investors and stakeholders use financial statements to determine how well the company is positioned to perform in the future. Although Atlantic American investors may use each financial statement separately, they are all related. The changes in Atlantic American's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on Atlantic American's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet, but not equivalent to net income shown on the income statement. Please read more on our technical analysis and fundamental analysis pages.
Today, most investors in Atlantic American Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Atlantic American's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Atlantic American growth as a starting point in their analysis.

Price Earnings To Growth Ratio

1.84

At present, Atlantic American's Price Earnings To Growth Ratio is projected to increase slightly based on the last few years of reporting.

Atlantic American March 20, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Atlantic American help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Atlantic American. We use our internally-developed statistical techniques to arrive at the intrinsic value of Atlantic American based on widely used predictive technical indicators. In general, we focus on analyzing Atlantic Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Atlantic American's daily price indicators and compare them against related drivers.

Complementary Tools for Atlantic Stock analysis

When running Atlantic American's price analysis, check to measure Atlantic American's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Atlantic American is operating at the current time. Most of Atlantic American's value examination focuses on studying past and present price action to predict the probability of Atlantic American's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Atlantic American's price. Additionally, you may evaluate how the addition of Atlantic American to your portfolios can decrease your overall portfolio volatility.
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