Atlantic American Corporation (AAME) Stock Analysis & Winston Score

Atlantic American Corporation is a small insurance holding company based in Atlanta, Georgia. It sells life insurance and health insurance products to individuals and small groups, mainly in the southeastern United States. The company operates through two subsidiaries — American Southern Insurance and Bankers Fidelity Life Insurance Company.

The company makes money by collecting premiums from policyholders and investing those funds, which is the standard model for life and health insurers. It is a very small company with a market cap under $50 million, which limits its ability to compete with larger national insurers on price or distribution. The main risk Atlantic American faces is its thin operating margins and negative return on invested capital, which suggest the business is struggling to generate consistent profits — a concern for long-term sustainability in a competitive and heavily regulated industry.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+20.8% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

+128.3% YoY

YoY Growth Rate

EPS growth accelerating

Insider Activity

80.3%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$34M cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Growth + cash flow

Atlantic American Corporation is a rare growth stock that's already generating positive cash flow while growing at 21%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Gross Margin

34.7%

Modest — 34.7% gross margin

Operating Margin

1.4%

Thin — 1.4% operating margin

ROCE

0.5%

Weak — 0.5% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Growth

Sales YoY

+12.0%

Steady sales growth (12.0% YoY)

EPS YoY

N/A

Data not available

EPS Consistency

8/8 quarters

Every recent quarter grew earnings vs last year

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Cash Flow

Cash Conversion

486%

Turns 486% of profit into real cash

FCF Margin

11.6%

Modest free cash flow (11.6%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Stability

Debt / Equity

0.38

Conservative — low debt load (0.38)

Interest Cover

2.08x

Tight — interest eats into profit (2.1x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Valuation

P/E Ratio (TTM)

7.3x

no trend

Attractive valuation — P/E 7.3

P/E under 10. The price tag is small relative to last year's profit.

P/E vs Forward

N/A

not available

Data not available

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Dividends

Not applicable for this business.

🔒 See full fundamentals and if they are improving or declining — click here for your free trial now.

Start free trial