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Upturn AI SWOT - About
Atlantic American Corporation (AAME)
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Upturn Advisory Summary
11/05/2025: AAME (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -6.48% | Avg. Invested days 28 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/05/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 41.61M USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.71 | 52 Weeks Range 1.23 - 2.22 | Updated Date 06/30/2025 |
52 Weeks Range 1.23 - 2.22 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 0.98% | Basic EPS (TTM) -0.1 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -0.77% | Operating Margin (TTM) 3.61% |
Management Effectiveness
Return on Assets (TTM) 0.27% | Return on Equity (TTM) -1.43% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 43522345 | Price to Sales(TTM) 0.22 |
Enterprise Value 43522345 | Price to Sales(TTM) 0.22 | ||
Enterprise Value to Revenue 0.23 | Enterprise Value to EBITDA - | Shares Outstanding 20397200 | Shares Floating 4033552 |
Shares Outstanding 20397200 | Shares Floating 4033552 | ||
Percent Insiders 80.12 | Percent Institutions 5.37 |
Upturn AI SWOT
Atlantic American Corporation
Company Overview
History and Background
Atlantic American Corporation, originally founded as American Southern Insurance Company in 1939, is a holding company specializing in the life and health insurance sectors. Over the years, it has expanded its operations and diversified its product offerings within the insurance industry.
Core Business Areas
- American Southern Life Insurance Company: Offers a range of life insurance products, including term, whole life, and final expense insurance.
- Bankers Fidelity Life Insurance Company: Focuses on providing Medicare supplement insurance and other senior health products.
Leadership and Structure
The leadership team comprises executives with experience in insurance and finance. The organizational structure is typical of a holding company, with subsidiaries operating with some autonomy.
Top Products and Market Share
Key Offerings
- Medicare Supplement Insurance (Medigap): Medigap policies help cover healthcare costs not paid by Medicare. Bankers Fidelity Life Insurance Company is the primary provider. Market share data is fragmented and depends on specific state markets, but Medigap has a significant market penetration among eligible seniors. Competitors include UnitedHealthcare (UNH), Humana (HUM), and Anthem (ELV).
- Final Expense Insurance: Final expense insurance provides funds for burial and end-of-life costs. American Southern Life Insurance Company is the primary provider. Market share is relatively small compared to larger national players. Competitors include Lincoln National Corporation (LNC) and Globe Life (GL).
- Whole Life Insurance: Provides lifelong coverage with a cash value component. Competitors include New York Life and Northwestern Mutual (Privately Owned).
Market Dynamics
Industry Overview
The life and health insurance industry is competitive and heavily regulated. Trends include an aging population driving demand for senior health products, and increasing use of technology to improve customer experience and efficiency.
Positioning
Atlantic American Corporation operates primarily in niche segments of the insurance market, focusing on underserved populations and specific geographic areas. Its competitive advantages may include local market knowledge and established distribution channels.
Total Addressable Market (TAM)
The TAM for life and health insurance in the US is estimated to be in the hundreds of billions of dollars annually. Atlantic American Corporation is positioned to capture a small but profitable share by targeting specific niche markets.
Upturn SWOT Analysis
Strengths
- Established presence in niche markets
- Experienced management team
- Focus on senior health products
- Diversified product portfolio
Weaknesses
- Limited scale compared to larger competitors
- Geographic concentration
- Reliance on specific distribution channels
- Limited brand recognition
Opportunities
- Expanding into new geographic markets
- Developing new products and services for seniors
- Leveraging technology to improve efficiency
- Acquiring smaller insurance companies
Threats
- Increased competition from larger players
- Changes in healthcare regulations
- Economic downturns affecting insurance demand
- Rising healthcare costs
Competitors and Market Share
Key Competitors
- UnitedHealth Group (UNH)
- Humana (HUM)
- Cigna (CI)
Competitive Landscape
Atlantic American Corporation faces strong competition from larger, more established players in the life and health insurance market. It differentiates itself through its focus on niche markets and established distribution channels.
Growth Trajectory and Initiatives
Historical Growth: Growth has been moderate, driven by demand for senior health products. The company has also expanded through strategic acquisitions.
Future Projections: Future growth is expected to be steady, with potential for upside from new product development and market expansion.
Recent Initiatives: Recent initiatives may include investments in technology, new product launches, and expansion of distribution networks.
Summary
Atlantic American Corporation is a niche player in the insurance industry, focusing on senior health products. It faces competition from larger companies but has strengths in its established distribution channels. Future growth depends on successful product development and market expansion. The company must navigate evolving healthcare regulations.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Industry reports
- Analyst estimates
Disclaimers:
This analysis is based on available public information and is not financial advice. Market data may be delayed. Actual financial results may vary.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Atlantic American Corporation
Exchange NASDAQ | Headquaters Atlanta, GA, United States | ||
IPO Launch date 1980-04-11 | Chairman of the Board, President & CEO Mr. Hilton Hatchett Howell Jr. | ||
Sector Financial Services | Industry Insurance - Life | Full time employees 153 | Website https://www.atlam.com |
Full time employees 153 | Website https://www.atlam.com | ||
Atlantic American Corporation, through its subsidiaries, provides life and health, and property and casualty insurance products in the United States. It operates through American Southern and Bankers Fidelity segments. The company offers property and casualty insurance products, including commercial automobile insurance coverage for state governments, local municipalities, and other motor pools and fleets; general liability insurance; and inland marine insurance products. It also provides surety bond coverage for subdivision construction; school bus contracts; and performance and payment bonds. In addition, the company offers individual and group whole life insurance products; Medicare supplement insurance products; other accident and health insurance products comprising various individual and group policies for the payment of standard benefits for the treatment of cancer and other critical illnesses; Vantage Flex Plus, a hospital indemnity plan; and Vantage Recovery short-term care product and a group whole life product. It markets its products through independent agents and brokers. The company was founded in 1937 and is based in Atlanta, Georgia. Atlantic American Corporation operates as a subsidiary of Atlantic American / Delta Group.
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