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The Company Atlantic American Corporation, a Georgia corporation incorporated in 1968 (the Parent or Company ), is a holding company that operates through its subsidiaries in well-defined specialty markets within the life and health and property and casualty insurance industries. The Parent s principal operating subsidiaries are American Southern Insurance Company and American Safety Insurance …
$1.58
$0.02 (-1.25%)
EOD Jul 17, 2026
The institution is unprofitable. This typically signals severe credit losses or a business in transition.
Revenue growth slowed to 0.8%, essentially flat. This is a business that needs a catalyst.
Financial stocks carry unique risks (credit cycles, regulatory changes, interest rate sensitivity) that aren't captured by standard quality metrics.
7.5x earnings. Below the sector average, the market may be pricing in credit losses or regulatory headwinds, or there's genuine value here.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
$208M
▲ +0.8% YoY
Net Income (TTM)
$5M
▼ -2395.9% YoY
Net Margin
2.45%
P/E
7.5x
Balance Sheet
Total Assets
$431M
Equity
$109M
Total Debt
$5M
Cash & Equiv.
$34M
5Y CAGR: -1.0%
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At a P/E of 7.5 and a price-to-free-cash-flow of 1.3, Atlantic American (AAME) trades below a two-stage DCF intrinsic value of about $61.45 per share, so at $1.58 the stock looks undervalued (3,789.5% below estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Atlantic American scores 58/100 on Intrinsiqq's quality scorecard (a mixed business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 1.3%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about $61.45 per share for AAME, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around $46.09. At today's $1.58, that puts the stock about 3,789.5% below estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Atlantic American scores 58 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a mixed business on these measures. Recent fundamentals include a -2.6% operating margin and a -3.6% return on invested capital. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, Atlantic American pays a regular dividend of about $0.02 per share per year (typically in quarterly installments), a yield of roughly 1.3% at the current price. That is a payout ratio of about 8.0% of earnings, so the dividend is amply covered by earnings. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For AAME's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. AAME currently trades below its estimated intrinsic value and scores 58/100 on quality (mixed). It also yields about 1.3%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.