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ATLANTIC AMERICAN CORP

AAME Clue Score25
United States Fiscal year ends December CIK 0000008177
$1.18 -2.48% Close, 9 Oct 2026
Alert on the numbers Alert on insider trades
Price $1.18 −73.78% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueOperating incomeNet income
Fiscal year 2016Revenue166.1Operating income0.9Net income2.6Fiscal year 2017Revenue181.1 +9.1%Operating income−3.8Net income4.5 +71.8%Fiscal year 2018Revenue185.6 +2.5%Operating income−3.9Net income−0.7 −115.5%Fiscal year 2019Revenue198.2 +6.8%Operating income−7.5Net income−0.4EPS, diluted−0.04Fiscal year 2020Revenue195.3 −1.4%Operating income11.5Net income12.2EPS, diluted0.56Fiscal year 2021Revenue199.6 +2.2%Operating income−1.5Net income4.3 −64.8%EPS, diluted0.19 −66.1%Fiscal year 2022Revenue187.9 −5.9%Operating income9.6Net income1.5 −64.4%EPS, diluted0.06 −68.4%Fiscal year 2023Revenue186.8 −0.6%Operating income1.5Net income−0.2 −111.2%EPS, diluted−0.03 −150.0%Fiscal year 2024Revenue188.2 +0.8%Operating income−5.0Net income−4.3EPS, diluted−0.23
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024
Revenue 166.1 181.1 185.6 198.2 195.3 199.6 187.9 186.8 188.2
Growth +9.1% +2.5% +6.8% −1.4% +2.2% −5.9% −0.6% +0.8%
Operating income 0.9 −3.8 −3.9 −7.5 11.5 −1.5 9.6 1.5 −5.0
Net income 2.6 4.5 −0.7 −0.4 12.2 4.3 1.5 −0.2 −4.3
Growth +71.8% −115.5% −64.8% −64.4% −111.2%
EPS, diluted n/a n/a n/a −0.04 0.56 0.19 0.06 −0.03 −0.23
Growth −66.1% −68.4% −150.0%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Operating marginNet margin
Fiscal year 2016Operating margin0.6%Net margin1.6%Free cash flow margin0.6%Fiscal year 2017Operating margin−2.1%Net margin2.5%Free cash flow margin6.7%Fiscal year 2018Operating margin−2.1%Net margin−0.4%Free cash flow margin2.3%Fiscal year 2019Operating margin−3.8%Net margin−0.2%Free cash flow margin−0.9%Fiscal year 2020Operating margin5.9%Net margin6.2%Free cash flow margin4.5%Fiscal year 2021Operating margin−0.7%Net margin2.1%Free cash flow margin0.5%Fiscal year 2022Operating margin5.1%Net margin0.8%Free cash flow margin3.4%Fiscal year 2023Operating margin0.8%Net margin−0.1%Free cash flow margin1.4%Fiscal year 2024Operating margin−2.6%Net margin−2.3%Free cash flow margin2.4%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024
Operating margin 0.6% −2.1% −2.1% −3.8% 5.9% −0.7% 5.1% 0.8% −2.6%
Net margin 1.6% 2.5% −0.4% −0.2% 6.2% 2.1% 0.8% −0.1% −2.3%
Free cash flow margin 0.6% 6.7% 2.3% −0.9% 4.5% 0.5% 3.4% 1.4% 2.4%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow1.3Capital expenditure−0.4Free cash flow0.9Buybacks−0.7Dividends paid−0.4Fiscal year 2017Operating cash flow12.2Capital expenditure−0.1Free cash flow12.1 +1,211.5%Buybacks−0.7Dividends paid−0.4Fiscal year 2018Operating cash flow4.5Capital expenditure−0.3Free cash flow4.2 −65.4%Buybacks−0.6Dividends paid−0.4Fiscal year 2019Operating cash flow−1.8Capital expenditure−0.1Free cash flow−1.9 −144.9%Buybacks−0.1Dividends paid−0.4Fiscal year 2020Operating cash flow9.0Capital expenditure−0.2Free cash flow8.7Buybacks0.0Dividends paid0.0Fiscal year 2021Operating cash flow1.1Capital expenditure−0.1Free cash flow1.0 −88.8%Dividends paid−0.4Fiscal year 2022Operating cash flow6.5Capital expenditure−0.1Free cash flow6.3 +545.0%Dividends paid−0.4Fiscal year 2023Operating cash flow2.6Capital expenditure−0.1Free cash flow2.5 −59.8%Dividends paid−0.4Fiscal year 2024Operating cash flow4.8Capital expenditure−0.2Free cash flow4.6 +80.0%Dividends paid−0.4
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024
Operating cash flow 1.3 12.2 4.5 −1.8 9.0 1.1 6.5 2.6 4.8
Capital expenditure −0.4 −0.1 −0.3 −0.1 −0.2 −0.1 −0.1 −0.1 −0.2
Free cash flow 0.9 12.1 4.2 −1.9 8.7 1.0 6.3 2.5 4.6
Growth +1,211.5% −65.4% −144.9% −88.8% +545.0% −59.8% +80.0%
Buybacks −0.7 −0.7 −0.6 −0.1 0.0 n/a n/a n/a n/a
Dividends paid −0.4 −0.4 −0.4 −0.4 0.0 −0.4 −0.4 −0.4 −0.4

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
Cash
Fiscal year 2016Cash13.3Shareholders’ equity105.5Fiscal year 2017Cash24.5Shareholders’ equity113.0Fiscal year 2018Cash12.6Shareholders’ equity101.4Fiscal year 2019Cash12.9Shareholders’ equity118.4Fiscal year 2020Cash19.3Shareholders’ equity145.1Fiscal year 2021Cash24.8Shareholders’ equity141.3Fiscal year 2022Cash28.9Shareholders’ equity102.2Fiscal year 2023Cash28.3Shareholders’ equity107.3Fiscal year 2024Cash35.6Shareholders’ equity99.6
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024
Cash 13.3 24.5 12.6 12.9 19.3 24.8 28.9 28.3 35.6
Shareholders’ equity 105.5 113.0 101.4 118.4 145.1 141.3 102.2 107.3 99.6

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2024 · 10-K

Income statement

In millions of USD, except per-share figures; shares in millions. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024
Revenue and profit
166.1 181.1 185.6 198.2 195.3 199.6 187.9 186.8 188.2
Growth +9.1% +2.5% +6.8% −1.4% +2.2% −5.9% −0.6% +0.8%
0.9 −3.8 −3.9 −7.5 11.5 −1.5 9.6 1.5 −5.0
Growth −510.3% −113.0% −84.0% −421.5%
3.5 5.4 −1.0 −0.4 15.5 5.3 2.1 −0.6 −5.3
0.9 0.8 −0.3 −0.0 3.3 1.0 0.6 −0.4 −1.0
2.6 4.5 −0.7 −0.4 12.2 4.3 1.5 −0.2 −4.3
Growth +71.8% −115.5% −64.8% −64.4% −111.2%
Per share
n/a n/a n/a −0.04 0.58 0.19 0.06 −0.03 −0.23
n/a n/a n/a −0.04 0.56 0.19 0.06 −0.03 −0.23
Growth −66.1% −68.4% −150.0%
n/a n/a n/a n/a 20.4 20.4 20.4 20.4 20.4
n/a n/a n/a n/a 21.8 20.4 20.4 20.4 20.4
Growth −6.5% −0.1% +0.1% −0.0%

Five years in brief

Worked out from the figures above, not from a press release
  • Revenue shrank 1.0% a year over five years.
  • Operating margin is up 1.1 points on five years ago, at -2.6%.
  • A net loss in 4 of 9 years on file.