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Upturn AI Summary - About
Atlantic American Corporation(AAME)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for AAME
10/23/2026: AAME (1-star) is currently NOT-A-BUY. Pass it for now.
Atlantic American Corporation is a small-cap insurance holding company operating in the life, health, and property and casualty sectors. The company has a stable history of managing niche insurance products, particularly within the senior Medicare supplement market. Its primary growth opportunity lies in capitalizing on favorable demographic trends among aging populations. However, the company faces stiff competition from much larger, well-capitalized insurers and must manage the risks associated with interest rate sensitivity and regulatory changes. Atlantic American may suit investors interested in niche insurance exposure, though low stock liquidity and the absence of a strong dividend track record are important factors to monitor.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company operates in mature, slow-growth insurance segments. |
| Momentum investor | Weak fit | The stock generally exhibits low trading volume and limited price momentum. |
| Value investor | Mixed fit | The stock may trade at book value multiples that interest value investors, though liquidity is a concern. |
| Dividend investor | Weak fit | The company does not have a consistent or high-yield dividend track record. |
| Low-risk investor | Mixed fit | Insurance as a sector is regulated, but small-cap stocks inherently carry higher volatility and execution risks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Small-cap stocks with lower liquidity can experience sharp price swings. |
| Valuation risk | Medium | Investors must assess if the current market price reflects the underlying book value and underwriting risks. |
| Competition risk (Large-cap insurance competition) | High | AAME competes against massive carriers with significant scale and pricing power. |
| Business quality | Medium | The company relies on specific niche products which limits its ability to absorb broad market shocks. |
| Dividend income | Low | Income investors will likely find better alternatives elsewhere. |
| Execution risk | Medium | Success depends on accurate actuarial modeling and successful investment management. |
Price Behavior
Steep Decline
The stock price has dropped sharply with strong downward pressure.
Extreme Price Shocks
The stock has experienced exceptionally large and disruptive price movements during the period.
Analysis of Past Performance
Type Stock | Historic Profit 16.47% | Avg. Invested days 27 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/23/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 25.29M USD | Price to earnings Ratio 4.43 | 1Y Target Price - |
Price to earnings Ratio 4.43 | 1Y Target Price - | ||
Volume (30-day avg) 1.7M shares | Beta 0.83 | 52 Weeks Range 1.03 - 3.24 | Updated Date 10/24/2026 |
52 Weeks Range 1.03 - 3.24 | Updated Date 10/24/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.28 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Life & Health Insurance | Medicare supplement and life insurance products. | Money is earned by collecting premiums that exceed the cost of claims and administrative expenses. |
| Property & Casualty Insurance | Specialty insurance lines and commercial coverage. | Profitability is driven by underwriting discipline in specialty niches. |
| Investment Income | Interest and dividends from the company's investment portfolio. | A significant portion of earnings is derived from returns on the cash reserves held to pay future claims. |
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 2026-09-29 | When - | Estimate - | Actual 0.07 |
Profitability
Profit Margin 2.86% | Operating Margin (TTM) 4.79% |
Management Effectiveness
Return on Assets (TTM) 1.65% | Return on Equity (TTM) 5.2% |
Valuation
Trailing PE 4.43 | Forward PE 7.39 | Enterprise Value 31.93M | Price to Sales(TTM) 0.12 |
Enterprise Value 31.93M | Price to Sales(TTM) 0.12 | ||
Enterprise Value to Revenue 0.15 | Enterprise Value to EBITDA - | Shares Outstanding 20.40M | Shares Floating 4.03M |
Shares Outstanding 20.40M | Shares Floating 4.03M | ||
Percent Insiders 80.05 | Percent Institutions 5.26 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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