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Upturn AI SWOT - About
Atlantic American Corporation (AAME)
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Upturn Advisory Summary
01/21/2025: 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 -40.49% | Avg. Invested days 23 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 01/21/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 39.16M USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) 4346 | Beta 0.71 | 52 Weeks Range 1.23 - 1.97 | Updated Date 06/22/2025 |
52 Weeks Range 1.23 - 1.97 | Updated Date 06/22/2025 | ||
Dividends yield (FY) 1.04% | Basic EPS (TTM) -0.1 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
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 41074677 | Price to Sales(TTM) 0.2 |
Enterprise Value 41074677 | Price to Sales(TTM) 0.2 | ||
Enterprise Value to Revenue 0.21 | Enterprise Value to EBITDA - | Shares Outstanding 20397200 | Shares Floating 4033552 |
Shares Outstanding 20397200 | Shares Floating 4033552 | ||
Percent Insiders 80.12 | Percent Institutions 5.37 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Atlantic American Corporation
Company Overview
History and Background
Atlantic American Corporation, founded in 1937, is a holding company engaged in the life, health, and property and casualty insurance businesses, primarily in the southeastern United States. It has evolved through acquisitions and organic growth.
Core Business Areas
- Life Insurance: Offers a range of life insurance products, including term life, whole life, and final expense policies.
- Pre-Need: Funeral Pre-Need Insurance
- Property & Casualty Insurance: Provides commercial auto insurance, workers' compensation, and other property and casualty insurance products. These were sold in 2023.
Leadership and Structure
The leadership team includes the CEO, CFO, and other key executives. The organizational structure consists of various departments focusing on insurance operations, finance, and administration.
Top Products and Market Share
Key Offerings
- Term Life Insurance: Offers life insurance coverage for a specified period. Market share data is not readily available. Competitors include Prudential, MetLife, and New York Life.
- Final Expense Insurance: A small whole life policy designed to cover funeral costs and other final expenses. Market share data is not readily available. Competitors include Lincoln Heritage, Gerber Life.
Market Dynamics
Industry Overview
The life insurance industry is characterized by increasing competition, evolving regulatory landscape, and growing demand for insurance products driven by an aging population and increased awareness of financial security.
Positioning
Atlantic American Corporation is a regional player focused on niche markets. Its competitive advantage lies in its established distribution network and local market expertise.
Total Addressable Market (TAM)
The US life insurance market is valued in the hundreds of billions of dollars. Atlantic American Corporation holds a small percentage of the TAM with focus on a niche market within the broader life insurance landscape.
Upturn SWOT Analysis
Strengths
- Established regional presence
- Strong distribution network
- Focus on niche markets
- Experienced management team
Weaknesses
- Limited brand recognition compared to national players
- Smaller scale of operations
- Dependence on regional market conditions
- Product concentration
Opportunities
- Expansion into new geographic markets
- Development of new insurance products
- Strategic acquisitions
- Increased demand for insurance products
Threats
- Intense competition from larger insurance companies
- Changing regulatory requirements
- Economic downturn
- Rising interest rates
Competitors and Market Share
Key Competitors
- PRU
- MET
- LNC
- GBL
Competitive Landscape
Atlantic American Corporation faces competition from larger, national insurance companies. Its advantages include a regional focus and established distribution network. Its disadvantages include limited brand recognition and smaller scale of operations.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends require specific financial data from the past years. These would show growth in premium revenue, investment income, and assets.
Future Projections: Future projections require analyst estimates, which may not be widely available for a company of this size.
Recent Initiatives: Recent initiatives include product development, geographic expansion, and strategic partnerships.
Summary
Atlantic American Corporation is a regional insurance provider with a niche focus, facing strong competition. Its established network and local expertise are strengths, but smaller scale and brand recognition are weaknesses. Opportunities exist for expansion and product development, but economic downturns and regulatory changes pose threats.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
Disclaimers:
The information provided is for general informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise.
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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