Atlantic American Corporation (AAME) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Atlantic American Corporation stock (AAME) is currently trading at $2.40. Atlantic American Corporation PE ratio is 30.20. Atlantic American Corporation PS ratio (Price-to-Sales) is 0.25. WallStSmart rates AAME as Sell.
- AAME PE ratio analysis and historical PE chart
- AAME PS ratio (Price-to-Sales) history and trend
- AAME intrinsic value — DCF, Graham Number, EPV models
- AAME stock price prediction 2025 2026 2027 2028 2029 2030
- AAME fair value vs current price
- AAME insider transactions and insider buying
- Is AAME undervalued or overvalued?
- Atlantic American Corporation financial analysis — revenue, earnings, cash flow
- AAME Piotroski F-Score and Altman Z-Score
- AAME analyst price target and Smart Rating
Atlantic American Corporation
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AAME Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Atlantic American Corporation (AAME)
AAME trades 278% above its Graham fair value of $0.68, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Atlantic American Corporation (AAME) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in price/sales, price/book. Concerns around market cap and return on equity. Mixed signals suggest waiting for clearer direction before acting.
Atlantic American Corporation (AAME) Key Strengths (2)
Paying less than $1 for every $1 of annual revenue
Trading below book value, meaning the market prices it less than net assets
Supporting Valuation Data
Atlantic American Corporation (AAME) Areas to Watch (8)
Earnings declining -78.40%, profits shrinking
Very low returns on shareholder equity
Very thin margins with limited operational efficiency
Very thin margins, barely profitable
Very low institutional interest at 5.33%
Micro-cap company with very limited liquidity and high volatility
Paying a premium for growth, expensive relative to earnings expansion
Solid revenue growth at 16.00% per year
Supporting Valuation Data
Atlantic American Corporation (AAME) Detailed Analysis Report
Overall Assessment
This company scores 44/100 in our Smart Analysis, earning a D grade. Out of 10 metrics analyzed, 2 register as strengths (avg 10.0/10) while 8 fall into concern territory (avg 2.5/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Price/Sales, Price/Book. Valuation metrics including Price/Sales (0.25), Price/Book (0.48) suggest the stock is attractively priced.
The Bear Case
The primary concerns are EPS Growth, Return on Equity, Operating Margin. Some valuation metrics including PEG Ratio (2.43) suggest expensive pricing. Growth concerns include Revenue Growth at 16.00%, EPS Growth at -78.40%, which may limit upside. Profitability pressure is visible in Return on Equity at 2.45%, Operating Margin at 9.02%, Profit Margin at 1.27%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 2.45% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 16.00% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a higher risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Fundamental challenges outweigh strengths at current levels. EPS Growth and Return on Equity are the primary drags. Consider waiting for meaningful improvement before committing capital.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
AAME Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
AAME's Price-to-Sales ratio of 0.25x trades 40% below its historical average of 0.41x (10th percentile). The current valuation is 71% below its historical high of 0.85x set in Apr 2007, and 148% above its historical low of 0.1x in Nov 2008.
WallStSmart Analysis Synopsis
Data-driven financial summary for Atlantic American Corporation (AAME) · FINANCIAL SERVICES › INSURANCE - LIFE
The Big Picture
Atlantic American Corporation is a strong growth company balancing expansion with improving profitability. Revenue reached 199M with 16% growth year-over-year. Profit margins are strong at 127.0%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 245.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Generating 7M in free cash flow and 7M in operating cash flow. Earnings are translating into actual cash generation.
Earnings fell 78% YoY while revenue grew 16%. This gap usually reflects one-time items (tax benefits, write-offs) in the prior period, not an operational decline.
What to Watch Next
Dividend sustainability with a current yield of 67.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor INSURANCE - LIFE industry trends, competitive moves, and regulatory changes that could impact Atlantic American Corporation.
Bottom Line
Atlantic American Corporation offers an attractive blend of growth (16% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(0 last 3 months)
Data sourced from SEC Form 4 filings
Last updated: 8:26:17 AM
About Atlantic American Corporation(AAME)
NASDAQ
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.