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ATLANTIC AMERICAN CORP

AAME

$1.16 ▲ +0.01 (+0.87%) at close

17 Visible periods

33 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Weak

Neutral

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Analytical Summary

ATLANTIC AMERICAN CORP shows mixed fundamentals. Consider comparing against peers in the Financials sector before making investment decisions.

Market Cap $23.7M

Dividend Yield 1.72%

Revenue Growth 11.9% ↗

Op. Margin 1.8% ↗

ROIC None

FCF / Share None

Trailing P/E 4.1x

Price / Book 0.2x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Nov 5, 2026.

17-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$210.44M

↑ +11.9% —

Net Income Profit after all expenses

$6.02M

↑ +531.9% —

Operating Margin Operating profit as % of sales

1.8%

↑ +350.8% 33th

Health Breakdown

Profitability ↑

Returns ↑

Dividend History

Dividend / share · sourced from SEC filings

$0.02 Latest / share

+0.0% YoY

+0.0% 9-yr CAGR

FY 2014

FY 2015

FY 2016

$0.02

FY 2017

$0.02

FY 2018

$0.02

FY 2019

$0.00

FY 2020

$0.02

FY 2021

$0.02

FY 2022

$0.02

FY 2023

$0.02

FY 2024

$0.02

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Revenue Growth YoY (%)	11.9% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+98%)	0.7% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-88%)	-0.6% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-109%)	-5.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-198%)	2.2% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-64%)	-1.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-124%)	6.8% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+13%)	2.5% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-59%)	9.1% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+51%)	0.1% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-99%)	-0.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-104%)	0.6% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-90%)	18.3% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+204%)	18.2% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+203%)	10.7% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+78%)	—	—
EPS Growth YoY (%)	N/M	-200.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	N/M	-68.4% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	-67.2% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	—	—	—	—	—	-62.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	163.2% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	46.2% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	550.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	N/M	-714.6% Weak ↓ Weak Declining Year-over-year change in net income	N/M	-64.4% Weak ↓ Weak Declining Year-over-year change in net income	-64.8% Weak Weak Year-over-year change in net income	N/M	45.2% Excellent ↑ Excellent Improving Year-over-year change in net income	N/M	71.8% Excellent ↑ Excellent Improving Year-over-year change in net income	-39.9% Weak ↓ Weak Declining Year-over-year change in net income	-0.9% Weak ↓ Weak Declining Year-over-year change in net income	-59.8% Weak ↓ Weak Declining Year-over-year change in net income	148.5% Excellent ↑ Excellent Improving Year-over-year change in net income	34.8% Excellent Excellent Year-over-year change in net income	232.3% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	3.9% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	-2.0% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-1.5% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-1.8% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	2.5% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	2.6% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	6.1% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	3.8% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	2.9% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	0.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	5.9% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	12.0% Good Good Compound annual revenue growth over 3 years	15.7% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	1.5% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	-1.0% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	0.1% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	0.7% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	3.7% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	3.3% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	3.6% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	2.3% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	5.3% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	7.0% Fair Fair Compound annual revenue growth over 5 years	9.2% Good Good Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	67.1% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—	—	—	—	—	—	—	13.5% Good Good Compound annual EPS growth over 3 years	192.4% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Operating Margin (%) (%)	1.8% Weak → Weak Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-93%)	-0.7% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-103%)	0.8% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-97%)	5.1% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-79%)	-0.7% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-103%)	5.9% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-76%)	-3.8% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-115%)	-2.1% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-108%)	-2.1% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-108%)	0.6% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-98%)	0.5% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-98%)	1.6% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-94%)	1.5% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-94%)	2.6% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-90%)	2.8% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-89%)	0.6% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-98%)	—
Effective Tax Rate (%) (%)	22.1% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	14.3% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	69.7% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.2% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.3% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.5% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	5.2% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.5% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	15.5% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.2% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.1% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	9.7% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	1.6% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	12.7% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.8% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—
Profit Margin (%) (%)	2.9% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-87%)	-0.7% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-103%)	-0.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-100%)	0.8% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-96%)	2.1% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-90%)	6.2% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-72%)	-0.2% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-101%)	-0.4% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-102%)	2.5% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-89%)	1.6% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-93%)	2.6% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-88%)	2.7% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-88%)	6.7% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-70%)	3.2% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-86%)	2.8% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-87%)	0.9% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-96%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.9% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	-0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-2.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-1.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-1.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	5.0% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-58%)	-1.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-110%)	-0.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-101%)	1.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-88%)	3.0% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-75%)	8.4% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-30%)	-0.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-103%)	-0.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-106%)	4.0% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-67%)	2.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-79%)	4.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-64%)	4.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-65%)	10.9% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-9%)	4.2% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-65%)	3.4% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-72%)	1.2% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-90%)	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Revenue per Share (USD)	$10.32	$9.22	$9.15	$9.21	$9.78	$9.56	—	—	—	—	—	—	$7.79	$6.59	$5.34	—	—
Basic EPS, GAAP (USD)	$0.28	$-0.09	$-0.03	$0.06	$0.19	$0.58	$-0.04	—	—	—	—	$0.19	$0.50	$0.19	$0.13	$0.02	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.02	$0.02	$0.02	$0.02	$0.02	$0.00	$0.02	$0.02	$0.02	—	—	—	—	—	—	—	—
Book Value per Share (USD)	$5.92	$5.42	$5.26	$5.01	$6.93	$7.11	$5.78	$5.03	$5.52	$5.16	$5.02	$5.06	$4.78	$4.98	$4.53	$3.72	—
Tangible Book Value per Share (USD)	$5.92	$5.42	$5.26	$5.01	$6.93	$7.11	$5.78	$5.03	$5.52	$5.16	$5.02	$5.06	$4.78	$4.88	$4.43	$3.62	—
Basic Weighted Avg Shares (shares)	20.40M	20.40M	20.40M	20.39M	20.40M	20.44M	—	—	—	—	—	—	21.24M	21.22M	22.14M	—	—
Dividend Payout Ratio (%)	7.1% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	-22.2% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	-66.7% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	33.3% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	10.5% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	0.0% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	-50.0% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$120.79M	$110.57M	$107.28M	$102.19M	$141.29M	$145.06M	$118.39M	$101.37M	$112.98M	$105.51M	$102.49M	$104.19M	$100.93M	$105.74M	$96.28M	$82.69M	$77.47M

📋 What is driving earnings? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Sales/Revenue/Turnover (USD)	$210.44M	$188.08M	$186.79M	$187.85M	$199.55M	$195.35M	$198.18M	$185.55M	$181.11M	$166.08M	$165.94M	$166.32M	$165.37M	$139.83M	$118.33M	$106.89M	—
Net Income, GAAP (USD)	$6.02M	$-1.39M	$-171.00K	$1.52M	$4.28M	$12.17M	$-386.00K	$-704.00K	$4.53M	$2.64M	$4.39M	$4.43M	$11.02M	$4.44M	$3.29M	$990.00K	—
Operating Cash Flow (USD)	$32.87M	$4.80M	$2.62M	$6.45M	$1.09M	$8.97M	$-1.81M	$4.46M	$12.17M	$1.32M	—	—	$13.02M	$6.12M	$9.13M	$4.90M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Premiums Earned (USD)	$196.14M	$178.59M	$178.82M	$185.44M	$184.22M	$183.54M	$181.93M	$172.93M	$163.33M	$153.47M	$150.89M	$153.49M	$145.63M	$126.74M	$107.47M	$97.61M	—
Loss Ratio (%) (%)	70.1%	69.5%	68.5%	66.6%	71.5%	65.3%	76.5%	76.7%	72.0%	67.2%	67.2%	69.2%	68.9%	70.9%	68.5%	68.5%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 5 days ago 17 years · 65 quarters

ATLANTIC AMERICAN CORP

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17-Year Financial Trajectory

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