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Company Analysis

Atlantic American Corporation AAME

A comprehensive view of key metrics, scores, and financial health for Atlantic American Corporation

Overview of Atlantic American Corporation

AAME NGM
Financial Services Insurance - Life Framework: Insurance & Reinsurance Micro Cap
Atlantic American Corporation (AAME), is a Micro Cap company, in the Insurance - Life industry, last closed at $1.05, about 428.6% undervalued vs fair value, -64.2% 1Y return, placing in the top 10% of its sector.
USD 1.05
-1.87%
(Delayed)
• Vol 90d: 89.1%
Market Cap
$21.40M
Enterprise Value
$1.11B
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Weak
Growth
Good
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Weak
Completeness: 100%
Confidence: 99%
Updated: Oct 31
Top Beats

Quick Facts

Website https://www.atlam.com
HQ Atlanta, GA
Employees 153
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$3
$6
$10
Current: $1.05 +429% vs base

Engine Room Money Flow™

Micro Cap

Insurance & Reinsurance - Where revenue goes and how value is created

Flow Steps
Total Revenue
$188.2M
0.8%%
Claims & Losses
-$7.3B
-7.6%%
Acquisition & Admin Expenses
-$752.0M
Underwriting Result
$4.4B
19.1%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Insurance & Reinsurance

Quality & Reliability Indicators

Loss Ratio
3857.6%
Poor

Claims & Losses / Revenue — core underwriting discipline metric; lower is better

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$814.0K

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
2
Active Leaks
1/2
Improving
0
High Impact
1
Critical
Locked Leak
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Moat Analysis Insurance & Reinsurance

Competitive Advantage Assessment

Evaluating Atlantic American Corporation's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
49
/100
Developing
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Top-Quartile Underwriting Margins Gross margin at 6619.7% (top 0%) and operating margin at 2286.6% (top 0%) reflect strong underwriting discipline.
  • Lean Expense Ratio vs Peers Expense efficiency is strong (score 1.00), with operating margin at 2286.6% vs peers.

Key risks

  • Below-Peer Float Returns Float return signal is weak (score 0.09), indicating below-peer investment yields limiting overall profitability.
  • Volatile Underwriting Results Underwriting stability is low (score 0.05), indicating significant exposure to loss cycle or catastrophe volatility.

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Underwriting Discipline

Developing
49
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Signals, strengths and risks for Underwriting Discipline

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Signals, strengths and risks for Float Investment Quality

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Signals, strengths and risks for Pricing Power

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Signals, strengths and risks for Capital Strength & Solvency

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Signals, strengths and risks for Operational Efficiency

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Signals, strengths and risks for Scale & Diversification

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Insurance (Life, P&C, Reinsurance) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing AAME's balance between Growth (13.1%), Profitability (30.0%), and Safety (56.9%). Growth 13% Safety 57% Profitability 30%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

12th percentile vs peers
12
Key Signals
Rev Growth YoY 0.8% 20p Revenue CAGR 3Y -1.9% 8p Asset Growth YoY 3.2% 30p Equity Growth YoY -7.1% 6p EPS Growth YoY -8.00 1p
Strengths
  • Operating Margin in top 20% of peers (22.87, 99th percentile)
Risks
  • Growth in bottom 20% of peers (percentile: 12)
  • Rev Growth YoY in bottom 20% of peers (0.8%)
  • Equity Growth YoY in bottom 20% of peers (-7.1%)
  • EPS Growth YoY in bottom 20% of peers (-8.00)

Profitability

28th percentile vs peers
29
Key Signals
Strengths
Risks
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Safety

54th percentile vs peers
54
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Atlantic American Corporation.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$5.55
- - -
+428.6% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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