Atlantic American Corporation: stock overview

AAMENASDAQFinancial services · Life Insurance

Price

$1.26

November 13, 2026Market cap $26M

DCF calculator

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  • The full history: 16 fiscal years, from 2010
  • The estimated fair value, with its range and its certainty
  • The full analysis, 18 a month
  • More questions to the chat on its filings
  • Excel with every year
  • An email when it reports, changes its dividend or an officer buys

Sign in with a free account to see the last 5 fiscal years.

Notes on these figures

  • The share price has risen 20% since Oct 16, 2026, when the 10-K these figures come from was filed ($1.05 then, $1.26 on Nov 13, 2026). The figures date from before that move.10-K
  • The interest the company pays is far more than the debt we can read would cost, so part of its borrowing is missing from the figures. We leave out the debt, net cash, enterprise value and the multiples built on them.

In short

Atlantic American had revenue of $210M in the fiscal year to December 31, 2025 and net income of $6.0M, a net margin of 2.9%. Revenue grew by 1.5% a year on average over the last 5 years. At $1.26 the shares trade at a P/E of 4.6, against a median of 12.9 over the last 3 fiscal years. It pays no dividend.

From its SEC filings (latest fiscal year to December 31, 2025) and the price of November 13, 2026.

Its SEC filings
Market cap
$26M
20.40M shares
P/E
4.6
Today4.6
Median12.9
Revenue, fiscal year
$210M
+1.5% a year over 5 years
Net margin
2.9%
above 19% of its industry

Worth knowing

What a holder would want to hear from the company's SEC filings of the last three years. Each with its filing, without comment.

3 fiscal years in figures

Each fiscal year's figures as the company filed them, and the share price at its end.

2023–2025 fiscal years

+6.1% a year over 2 years

  • 202510-K
    Revenue$210M
  • 202410-K
    Revenue$188M
  • 202310-K
    Revenue$187M

Fiscal years in figures

AAME's revenue, profit, cash flow and dividend with each year-end price, from 2010 to 2022, 13 more fiscal years

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Key figures

The company's current figures in five groups. Each term is explained behind its ⓘ.

Valuation

Market cap 
$26M
Enterprise value 
–
P/E 
4.6
EV / EBIT 
–
EV / Revenue 
–
P/B 
0.2
FCF yield 
126.1%
Earnings yield 3-year median: -1.2%
21.9%

Profitability

Operating margin 
3.7%
Net margin 3-year median: -0.1%
2.9%
ROIC 
5.5%
ROE 
5.5%

Growth

Revenue, yearly change 
+11.9%
EPS, yearly change 
–
FCF, yearly change 
+608.4%
Revenue, average a year 
+1.5%
EPS, average a year 
-12.9%

The yearly change compares FY2025 with FY2024.

Balance sheet

Cash 
$54M
Total debt 
–
Net cash 
–
Net debt / EBITDA 
–
Interest cover 
2.5x
Current ratio 
–

Balance sheet of December 31, 2025.

Returns to shareholders

Dividend yield 3-year median: 0.8%
0.00%
Buybacks 
–
Total returned 
0.00%
Shares, yearly change 
0.0%
Valuation against its own pastEach fiscal year's P/E, P/FCF and P/B beside today's, and the DCF calculator for the company.Valuation

Against its industry

Where its margins and returns stood in fiscal 2025 among the SEC filers of its industry (SIC code 63).

Operating margin

1.8%

Above 39% of the 22 companies in its industry, and 39% of all.

Net margin

2.9%

Above 19% of the 109 companies in its industry, and 45% of all.

ROE

5.0%

Above 17% of the 108 companies in its industry, and 43% of all.

ROA

1.4%

Above 37% of the 110 companies in its industry, and 50% of all.

Revenue growth

11.9%

Above 66% of the 110 companies in its industry, and 67% of all.

From the yearly figures every company files with the SEC, for those with revenue of at least $25 million. The industry is the first two digits of the SIC code.

The company at the SEC

How it is registered and when its fiscal year ends.

Name at the SEC
ATLANTIC AMERICAN CORP
CIK
8177
Exchange
NASDAQ
Industry (SIC)
6311 · Life Insurance
Fiscal year ends
December 31
Latest annual report
December 31, 2025
Reporting currency
USD
Shares
20.40M

Other companies: Financial services

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The full analysis

What do Atlantic American's filings show?

These are Atlantic American's figures. The full Ploutos AI analysis reads everything the company has filed and shows what stands behind it, with a source for every figure.

  • A fair value range built from the filings
  • Earnings quality, debt and red flags
  • Insider and institutional moves
  • The case for and the case against

Questions about AAME

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What is AAME's market cap?

Atlantic American Corporation's market cap is $26M, at a price of $1.26 on November 13, 2026 and 20.40M shares.

What is AAME's P/E?

AAME's P/E is 4.6, on earnings per share of $0.28 in the fiscal year to December 31, 2025. The median over the last 3 fiscal years was 12.9.

How much revenue does AAME have?

Atlantic American had revenue of $210M in the fiscal year to December 31, 2025. Over the last 5 years it changed by +1.5% a year on average.

Does AAME pay a dividend?

No. Atlantic American paid no regular dividend over the last 12 months.

Where do the figures come from?

From Atlantic American Corporation's SEC filings (10-K and 10-Q) and the share price. They hold no analyst estimates and no score, and they are not a recommendation.

Related pages

The other pages on US stocks, free to read. On the company pages, the last three fiscal years are open to everyone, five with a free account, and every year with Ploutos Investor.

US stocksThe market today, the sectors, the largest companies and the week's results.The market's sectorsThe 11 sectors side by side: returns, share of the market, median P/E and dividend.Compare stocksTwo companies side by side: price over up to ten years, with and without dividends, and every figure.US dividend stocksEach dividend's yield next to whether the company's cash covers it and whether it was ever cut.

The figures come from the company's SEC filings and the share price, and describe what it has reported. They are not a score or a fair value.