ATLANTIC AMERICAN CORP
ATLANTIC AMERICAN CORP
Insider Sentiment (TTM):
Last Purchase:2022-12-30Last Sale:2022-12-30Shares Purchased (TTM):0Shares Sold (TTM):0
Institutional Sentiment:
As of:2025-12-31Institutional Shares Owned:1,037,001Shares Outstanding:20,397,000Institutional Ownership Pct.:5.08%
Earnings Market Reaction:
Filing Date:2025-11-14Price on Filing Date:N/APrevious Close:N/A% Change:N/A
ATLANTIC AMERICAN CORP (AAME) — SEC Financial Statements & Analysis
ATLANTIC AMERICAN CORP (AAME) files its annual 10-K and quarterly 10-Q reports directly with the SEC. The financial data below is sourced as-filed from EDGAR — balance sheet, income statement, and cash flow as reported, without normalization or third-party adjustments.
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Financial Statements
Values in Millions ($) | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-12-31 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Data beyond 3 years is for subscribers only. Unlock 17+ years of financial data Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Cash And Cash Equivalents At Carrying Value | 34 | 46 | 36 | 36 | 23 | 21 | 21 | 28 | 24 | 24 | 14 | 29 | |||||
Available For Sale Securities Debt Securities | 235 | 213 | 214 | 213 | 222 | 217 | 218 | 218 | 203 | 208 | 218 | 209 | |||||
Equity Securities Fv Ni | - | - | - | - | - | 10 | 9 | 9 | 8 | 10 | 9 | 12 | |||||
Equity Securities Fv Ni Current And Noncurrent | 10 | 11 | 9 | 8 | 8 | - | - | 9 | - | - | - | - | |||||
Investments | |||||||||||||||||
Investments | 255 | 234 | 233 | 230 | 241 | 235 | 237 | 237 | 221 | 228 | 236 | 229 | |||||
Other Investments | 6 | 6 | 6 | 7 | 8 | 6 | 6 | 6 | 6 | 7 | 5 | 5 | |||||
Loans Insurance Policy | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | |||||
Real Estate Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Equity Method Investments | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |||||
Premiums And Other Receiv… | |||||||||||||||||
Premiums And Other Receivables Net | 42 | 50 | 19 | 27 | 30 | 34 | 15 | 24 | 25 | 31 | 12 | 15 | |||||
Reinsurance Recoverables On Paid And Unpaid Losses | 23 | 22 | 24 | 23 | 22 | 22 | 21 | 21 | 22 | 22 | 25 | 26 | |||||
Deferred Policy Acquisition Costs | 46 | 45 | 45 | 45 | 44 | 44 | 43 | 44 | 42 | 41 | 42 | 42 | |||||
Other Assets | 12 | 12 | 13 | 12 | 8 | 9 | 9 | 9 | 9 | 9 | 9 | 9 | |||||
Intangible Assets Net Including Goodwill | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | |||||
Assets | 431 | 429 | 388 | 393 | 387 | 386 | 366 | 381 | 362 | 373 | 354 | 367 | |||||
Liabilities And Stockhold… | |||||||||||||||||
Insurance Reserves And Po… | |||||||||||||||||
Liability For Future Policy Benefits | 103 | 102 | 100 | 98 | 97 | 96 | 94 | 92 | 85 | 85 | 85 | 86 | |||||
Unearned Premiums | 37 | 51 | 21 | 31 | 29 | 38 | 21 | 31 | 31 | 38 | 19 | 28 | |||||
Liability For Claims And Claims Adjustment Expense | 108 | 102 | 98 | 94 | 92 | 91 | 88 | 87 | 86 | 86 | 86 | 87 | |||||
Other Policyholder Funds | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |||||
Accounts Payable And Accrued Liabilities Current A… | 34 | 30 | 28 | 31 | 25 | 22 | 21 | 25 | 24 | 23 | 21 | 26 | |||||
Long Term Line Of Credit | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 3 | 3 | 3 | 3 | 2 | |||||
Junior Subordinated Debenture Owed To Unconsolidat… | 34 | 34 | 34 | 34 | 34 | 34 | 34 | 34 | 34 | 34 | 34 | 34 | |||||
Liabilities | 321 | 323 | 286 | 294 | 281 | 285 | 263 | 274 | 263 | 269 | 249 | 265 | |||||
Preferred Stock Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Common Stock Value | 22 | 22 | 22 | 22 | 22 | 22 | 22 | 22 | 22 | 22 | 22 | 22 | |||||
Additional Paid In Capital | 57 | 57 | 57 | 57 | 57 | 57 | 57 | 57 | 57 | 57 | 57 | 57 | |||||
Retained Earnings Accumulated Deficit | 50 | 49 | 46 | 46 | 46 | 48 | 48 | 51 | 53 | 52 | 50 | 52 | |||||
Stockholders Equity | |||||||||||||||||
Stockholders Equity | 109 | 106 | 102 | 100 | 106 | 101 | 103 | 107 | 99 | 103 | 104 | 102 | |||||
Accumulated Other Comprehensive Income Loss Net Of… | -13 | -16 | -16 | -19 | -12 | -19 | -18 | -16 | -27 | -21 | -18 | -22 | |||||
Deferred Compensation Equity | 0 | 0 | 0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | |||||
Treasury Stock Common Value | -7 | -7 | -7 | -7 | -7 | -7 | -7 | -7 | -7 | -7 | -7 | -7 | |||||
Treasury Stock Value | - | - | - | - | - | - | - | - | - | - | - | -7 | |||||
Liabilities And Stockholders Equity | 431 | 429 | 388 | 393 | 387 | 386 | 366 | 381 | 362 | 373 | 354 | 367 | |||||
Assets | |||||||||||||||||
Available For Sale Debt Securities Amortized Cost … | 252 | 233 | 235 | 236 | 237 | 241 | 241 | 239 | 237 | 235 | 241 | 237 | |||||
Debt Securities Available For Sale Allowance For C… | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Equity Securities Fv Ni Cost | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | |||||
Allowance For Doubtful Accounts Premiums And Other… | - | - | - | - | - | - | - | - | - | - | - | 0 | |||||
Reinsurance Recoverables Allowance | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Premiums Receivable Allowance For Doubtful Account… | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Preferred Stock Par Or Stated Value Per Share | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |||||
Preferred Stock Shares Authorized | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | |||||
Preferred Stock Shares Outstanding | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Preferred Stock Shares Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Preferred Stock Redemption Amount | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | |||||
Common Stock Par Or Stated Value Per Share | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |||||
Common Stock Shares Authorized | 50 | 50 | 50 | 50 | 50 | 50 | 50 | 50 | 50 | 50 | 50 | 50 | |||||
Common Stock Shares Issued | 22 | 22 | 22 | 22 | 22 | 22 | 22 | 22 | 22 | 22 | 22 | 22 | |||||
Shares Outstanding | 20 | 20 | 20 | 20 | 20 | 20 | 20 | 20 | 20 | 20 | 20 | 20 | |||||
Treasury Stock Common Shares | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | |||||
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Earnings Market Reaction
| Fiscal Year | Q1 1 Month | Q1 2 Month | Q1 3 Month | Q2 1 Month | Q2 2 Month | Q2 3 Month | Q3 1 Month | Q3 2 Month | Q3 3 Month | Q4 1 Month | Q4 2 Month | Q4 3 Month |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2025 | -1.15% | 34.48% | 29.31% | 41.56% | 20.35% | 22.51% | -17.47% | -1.37% | -7.19% | - | - | - |
| 2024 | -0.56% | -11.73% | -14.53% | 4.37% | 1.87% | 1.87% | -8.28% | -11.24% | 0.00% | -20.70% | -1.87% | 4.40% |
| 2023 | -4.15% | -6.74% | 4.27% | 10.01% | 7.24% | 4.46% | 20.89% | 58.23% | 74.05% | -29.88% | -40.97% | -40.61% |
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Performance and Valuation Metrics
Metrics | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-12-31 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Data beyond 3 years is for subscribers only. Unlock 17+ years of financial data Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Leverage & Debt | |||||||||||||||||
| Interest Coverage TTM | 2.92 | 1.88 | 0.36 | -0.66 | -1.58 | -0.29 | 0.60 | 0.83 | 2.14 | 1.19 | -0.67 | 1.87 | |||||
Efficiency & Turnover | |||||||||||||||||
| Days Sales Outstanding TTM | 63.89 | 77.47 | 32.34 | 49.59 | 54.16 | 63.82 | 25.55 | 38.18 | 45.92 | 58.46 | 23.10 | 29.48 | |||||
| Receivables Turnover TTM | 5.71 | 4.71 | 11.29 | 7.36 | 6.74 | 5.72 | 14.29 | 9.56 | 7.95 | 6.24 | 15.80 | 12.38 | |||||
Per Share Metrics | |||||||||||||||||
| Diluted EPS TTM | 0.23 | 0.09 | -0.09 | -0.23 | -0.34 | -0.16 | -0.04 | -0.01 | 0.12 | 0.02 | -0.15 | 0.06 | |||||
| Free Cash Flow Per Share TTM | 1.19 | 0.87 | 0.44 | 0.22 | 0.06 | 0.12 | 0.43 | 0.12 | 0.25 | 0.29 | 0.13 | 0.31 | |||||
| Dividend Per Share TTM | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.04 | 0.02 | 0.02 | 0.02 | 0.00 | 0.02 | 0.02 | |||||
Margin Metrics | |||||||||||||||||
| Gross Profit Margin TTM | 98.49% | 98.37% | 98.26% | 98.18% | 98.14% | 98.15% | 98.20% | 98.25% | 98.34% | 98.53% | 98.71% | 98.96% | |||||
| Operating Profit Margin TTM | 3.15% | 1.68% | -0.90% | -2.80% | -4.79% | -2.32% | -0.67% | -0.30% | 2.11% | 0.44% | -1.93% | 1.12% | |||||
| Net Profit Margin TTM | 2.21% | 1.02% | -0.98% | -2.48% | -3.71% | -1.75% | -0.44% | -0.09% | 1.46% | 0.19% | -1.73% | 0.60% | |||||
Growth Metrics | |||||||||||||||||
| Net Revenue Growth (1Y) | 11.99% | 6.98% | 2.04% | 0.77% | 0.35% | -0.55% | 2.74% | -0.56% | -3.68% | -4.23% | -9.69% | -5.86% | |||||
| Net Income Growth (1Y) | -166.71% | -162.55% | 127.13% | 2,629.24% | -355.44% | -1,000.28% | -74.00% | -115.19% | -11.17% | -87.17% | -141.86% | -73.70% | |||||
| EPS Growth (1Y) | -166.72% | -162.56% | 127.15% | 2,629.77% | -355.46% | -1,000.45% | -74.00% | -115.18% | -11.23% | -87.17% | -141.80% | -73.68% | |||||
Valuation Metrics | |||||||||||||||||
| P/E TTM | 12.70 | 21.37 | -18.29 | -6.63 | -4.94 | -10.45 | -67.83 | -285.35 | 14.21 | 105.29 | -15.26 | 40.90 | |||||
| P/B | 0.53 | 0.41 | 0.33 | 0.31 | 0.32 | 0.34 | 0.54 | 0.45 | 0.39 | 0.37 | 0.46 | 0.45 | |||||
| P/S TTM | 0.28 | 0.22 | 0.18 | 0.16 | 0.18 | 0.18 | 0.30 | 0.26 | 0.21 | 0.20 | 0.26 | 0.25 | |||||
| Market Cap | 58.54M | 43.45M | 34.15M | 30.94M | 34.15M | 33.95M | 55.76M | 48.79M | 38.43M | 38.01M | 48.26M | 46.05M | |||||
| Enterprise Value | 24.10M | -2.98M | -1.75M | -4.63M | 11.12M | 12.74M | 34.57M | 20.49M | 14.51M | 13.76M | 34.71M | 17.19M | |||||
Calculated Values | |||||||||||||||||
| Free Cash Flow TTM | 24.25M | 17.69M | 8.95M | 4.58M | 1.22M | 2.51M | 8.85M | 2.54M | 5.07M | 5.85M | 2.67M | 6.33M | |||||
| Net Debt | -34.44M | -46.42M | -35.90M | -35.57M | -23.04M | -21.21M | -21.19M | -28.30M | -23.92M | -24.25M | -13.55M | -28.86M | |||||
Per-Share and Margin | |||||||||||||||||
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Turnover Ratios and Averages | |||||||||||||||||
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| Deferred Revenue to Revenue | |||||||||||||||||
Growth Rates | |||||||||||||||||
| Total Assets Growth (1Y) | |||||||||||||||||
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| Dividends Paid Growth (1Y) | |||||||||||||||||
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| Net Income Growth (3Y) | |||||||||||||||||
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| Net Revenue Growth (3Y) | |||||||||||||||||
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| Deferred Revenue Growth (1Y) | |||||||||||||||||
| Retained Earnings Growth (1Y) | |||||||||||||||||
Credit, Liquidity, Returns, Payout | |||||||||||||||||
| Cash Ratio | |||||||||||||||||
| Net Working Capital | |||||||||||||||||
| Debt to EBITDA TTM | |||||||||||||||||
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| Net Debt to Equity | |||||||||||||||||
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| Retained Earnings to Equity | |||||||||||||||||
| Treasury Stock to Equity | |||||||||||||||||
| Treasury Stock Change (1Y) | |||||||||||||||||
| Accrued to Current Liabilities | |||||||||||||||||
Valuation Ratios | |||||||||||||||||
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| Total Debt | |||||||||||||||||
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Insider Transactions
2022-12-30Purchase
Owner: Robinson, Harriett J
Title: -
Shares: 300,000
Price/Share: $3.00
Value: $900,000.00
Shares Owned: 1,130,259
Relationship: TenPercentOwner,Other
Ownership: Direct
2022-12-30Sale
Owner: Robinson, Harriett J
Title: -
Shares: 300,000
Price/Share: $3.00
Value: $900,000.00
Shares Owned: -
Relationship: TenPercentOwner,Other
Ownership: Indirect
2022-03-31Purchase
Owner: Robinson, Harriett J
Title: -
Shares: 1,363,809
Price/Share: $4.00
Value: $5,455,236.00
Shares Owned: 5,120,555
Relationship: TenPercentOwnerOther
Ownership: Indirect
2022-03-31Sale
Owner: Robinson, Harriett J
Title: -
Shares: 1,363,809
Price/Share: $4.00
Value: $5,455,236.00
Shares Owned: -
Relationship: TenPercentOwnerOther
Ownership: Indirect
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Institutional Ownership
No data available for chart
2025-12-31
5.08%
Inst. Shares: 1,037,001
Shares Outstanding: 20,397,000
2025-09-30
4.86%
Inst. Shares: 990,452
Shares Outstanding: 20,397,000
2025-06-30
5.20%
Inst. Shares: 1,060,625
Shares Outstanding: 20,397,000
2025-03-31
5.18%
Inst. Shares: 1,057,643
Shares Outstanding: 20,400,000
2024-12-31
5.28%
Inst. Shares: 1,077,903
Shares Outstanding: 20,400,000