WallStSmart

Atlantic American Corporation (AAME)vsPrudential PLC ADR (PUK)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Prudential PLC ADR generates 6772% more annual revenue ($14.31B vs $208.22M). PUK leads profitability with a 25.5% profit margin vs 2.5%. PUK appears more attractively valued with a PEG of 2.38. PUK earns a higher WallStSmart Score of 55/100 (C-).

AAME

Hold

45

out of 100

Grade: D

Growth: 4.0Profit: 4.0Value: 6.3Quality: 4.5
Piotroski: 4/9Altman Z: 0.93

PUK

Buy

55

out of 100

Grade: C-

Growth: 4.7Profit: 8.5Value: 6.3Quality: 6.5
Piotroski: 4/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AAME3 strengths · Avg: 9.3/10
P/E RatioValuation
5.7x10/10

Attractively priced relative to earnings

Price/BookValuation
0.2x10/10

Reasonable price relative to book value

Revenue GrowthGrowth
20.8%8/10

Revenue surging 20.8% year-over-year

PUK5 strengths · Avg: 9.2/10
P/E RatioValuation
10.0x10/10

Attractively priced relative to earnings

Return on EquityProfitability
38.4%10/10

Every $100 of equity generates 38 in profit

Profit MarginProfitability
25.5%9/10

Keeps 26 of every $100 in revenue as profit

Debt/EquityHealth
0.309/10

Conservative balance sheet, low leverage

Operating MarginProfitability
28.1%8/10

Strong operational efficiency at 28.1%

Areas to Watch

AAME4 concerns · Avg: 3.3/10
PEG RatioValuation
2.434/10

Expensive relative to growth rate

Market CapQuality
$26.52M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
4.7%3/10

ROE of 4.7% — below average capital efficiency

Profit MarginProfitability
2.5%3/10

2.5% margin — thin

PUK4 concerns · Avg: 2.5/10
PEG RatioValuation
2.384/10

Expensive relative to growth rate

Revenue GrowthGrowth
-1.8%2/10

Revenue declined 1.8%

EPS GrowthGrowth
-23.0%2/10

Earnings declined 23.0%

Free Cash FlowQuality
$-77.99M2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull Case : AAME

The strongest argument for AAME centers on P/E Ratio, Price/Book, Revenue Growth. Revenue growth of 20.8% demonstrates continued momentum.

Bull Case : PUK

The strongest argument for PUK centers on P/E Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 25.5% and operating margin at 28.1%.

Bear Case : AAME

The primary concerns for AAME are PEG Ratio, Market Cap, Return on Equity. Thin 2.5% margins leave little buffer for downturns.

Bear Case : PUK

The primary concerns for PUK are PEG Ratio, Revenue Growth, EPS Growth.

Key Dynamics to Monitor

AAME profiles as a growth stock while PUK is a declining play — different risk/reward profiles.

PUK carries more volatility with a beta of 0.89 — expect wider price swings.

AAME is growing revenue faster at 20.8% — sustainability is the question.

AAME generates stronger free cash flow (7M), providing more financial flexibility.

Bottom Line

PUK scores higher overall (55/100 vs 45/100), backed by strong 25.5% margins. Both earn "Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Atlantic American Corporation

FINANCIAL SERVICES · INSURANCE - LIFE · USA

Atlantic American Corporation provides life and health insurance and property and casualty products in the United States. The company is headquartered in Atlanta, Georgia.

Prudential PLC ADR

FINANCIAL SERVICES · INSURANCE - LIFE · USA

Prudential plc offers life and health insurance, retirement and asset management solutions to people in Asia, the United States and Africa. The company is headquartered in London, the United Kingdom.

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