Atlantic American (AAME)
Market Price (5/6/2026): $2.52 | Market Cap: $51.4 MilSector: Financials | Industry: Life & Health Insurance
Atlantic American (AAME)
Market Price (5/6/2026): $2.52Market Cap: $51.4 MilSector: FinancialsIndustry: Life & Health Insurance
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 10.0%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 6.1%, FCF Yield is 47% Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -81% Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 12%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 12% Megatrend and thematic driversMegatrends include Aging Population & Chronic Disease. Themes include Geriatric Care, Diabetes Management, and Oncology Treatments. | Weak multi-year price returns2Y Excs Rtn is -11%, 3Y Excs Rtn is -59% | Key risksAAME key risks include [1] a material weakness in its internal control over financial reporting and [2] unfavorable loss experience in its property and casualty operations from increased claims severity. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 10.0%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 6.1%, FCF Yield is 47% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -81% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 12%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 12% |
| Megatrend and thematic driversMegatrends include Aging Population & Chronic Disease. Themes include Geriatric Care, Diabetes Management, and Oncology Treatments. |
| Weak multi-year price returns2Y Excs Rtn is -11%, 3Y Excs Rtn is -59% |
| Key risksAAME key risks include [1] a material weakness in its internal control over financial reporting and [2] unfavorable loss experience in its property and casualty operations from increased claims severity. |
Qualitative Assessment
AI Analysis | Feedback
Atlantic American (AAME) stock has lost about 5% since 1/31/2026 because of the following key factors:
1. Delayed Annual Report Filing Led to Nasdaq Non-Compliance.
Atlantic American Corporation received a notice from Nasdaq on April 17, 2026, indicating non-compliance with Listing Rule 5250(c)(1) due to the delayed filing of its Annual Report on Form 10-K for the year ended December 31, 2025. This corporate governance issue creates uncertainty and potential for further Nasdaq action if a compliance plan is not submitted and accepted within the stipulated timeframe.
2. Significant Increase in Short Interest Signaled Growing Bearish Sentiment.
Short interest in Atlantic American (AAME) saw a notable rise, increasing by 26.5% in March 2026 to 5,625 shares and further surging by 46.9% in April 2026 to 8,264 shares. This substantial percentage increase, even if representing a small portion of the total float, indicates a growing conviction among some investors that the stock's price will decline.
Show more
1. Delayed Annual Report Filing Led to Nasdaq Non-Compliance.
Atlantic American Corporation received a notice from Nasdaq on April 17, 2026, indicating non-compliance with Listing Rule 5250(c)(1) due to the delayed filing of its Annual Report on Form 10-K for the year ended December 31, 2025. This corporate governance issue creates uncertainty and potential for further Nasdaq action if a compliance plan is not submitted and accepted within the stipulated timeframe.
2. Significant Increase in Short Interest Signaled Growing Bearish Sentiment.
Short interest in Atlantic American (AAME) saw a notable rise, increasing by 26.5% in March 2026 to 5,625 shares and further surging by 46.9% in April 2026 to 8,264 shares. This substantial percentage increase, even if representing a small portion of the total float, indicates a growing conviction among some investors that the stock's price will decline.
Show more
Holding a concentrated position? Know your true downside before the momentum shifts.
Protect Your Wealth →
Stock Movement Drivers
Fundamental Drivers
The -7.0% change in AAME stock from 1/31/2026 to 5/6/2026 was primarily driven by a -7.0% change in the company's P/E Multiple.| (LTM values as of) | 1312026 | 5062026 | Change |
|---|---|---|---|
| Stock Price ($) | 2.71 | 2.52 | -7.0% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 208 | 208 | 0.0% |
| Net Income Margin (%) | 2.5% | 2.5% | 0.0% |
| P/E Multiple | 10.8 | 10.1 | -7.0% |
| Shares Outstanding (Mil) | 20 | 20 | 0.0% |
| Cumulative Contribution | -7.0% |
Market Drivers
1/31/2026 to 5/6/2026| Return | Correlation | |
|---|---|---|
| AAME | -7.4% | |
| Market (SPY) | 3.6% | 4.0% |
| Sector (XLF) | -2.5% | 9.7% |
Fundamental Drivers
The -11.0% change in AAME stock from 10/31/2025 to 5/6/2026 was primarily driven by a -55.9% change in the company's P/E Multiple.| (LTM values as of) | 10312025 | 5062026 | Change |
|---|---|---|---|
| Stock Price ($) | 2.83 | 2.52 | -11.0% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 199 | 208 | 4.6% |
| Net Income Margin (%) | 1.3% | 2.5% | 92.7% |
| P/E Multiple | 22.8 | 10.1 | -55.9% |
| Shares Outstanding (Mil) | 20 | 20 | 0.0% |
| Cumulative Contribution | -11.0% |
Market Drivers
10/31/2025 to 5/6/2026| Return | Correlation | |
|---|---|---|
| AAME | -11.3% | |
| Market (SPY) | 5.5% | 12.1% |
| Sector (XLF) | -0.2% | 7.9% |
Fundamental Drivers
The 68.0% change in AAME stock from 4/30/2025 to 5/6/2026 was primarily driven by a 51.9% change in the company's P/S Multiple.| (LTM values as of) | 4302025 | 5062026 | Change |
|---|---|---|---|
| Stock Price ($) | 1.50 | 2.52 | 68.0% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 188 | 208 | 10.6% |
| P/S Multiple | 0.2 | 0.2 | 51.9% |
| Shares Outstanding (Mil) | 20 | 20 | 0.0% |
| Cumulative Contribution | 68.0% |
Market Drivers
4/30/2025 to 5/6/2026| Return | Correlation | |
|---|---|---|
| AAME | 67.3% | |
| Market (SPY) | 30.4% | 9.8% |
| Sector (XLF) | 8.0% | 12.7% |
Fundamental Drivers
The 19.8% change in AAME stock from 4/30/2023 to 5/6/2026 was primarily driven by a 50.1% change in the company's Net Income Margin (%).| (LTM values as of) | 4302023 | 5062026 | Change |
|---|---|---|---|
| Stock Price ($) | 2.10 | 2.52 | 19.8% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 192 | 208 | 8.2% |
| Net Income Margin (%) | 1.6% | 2.5% | 50.1% |
| P/E Multiple | 13.6 | 10.1 | -26.2% |
| Shares Outstanding (Mil) | 20 | 20 | 0.0% |
| Cumulative Contribution | 19.8% |
Market Drivers
4/30/2023 to 5/6/2026| Return | Correlation | |
|---|---|---|
| AAME | 19.3% | |
| Market (SPY) | 78.7% | 12.3% |
| Sector (XLF) | 64.0% | 13.3% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| AAME Return | 20% | -4% | 6% | -37% | 87% | -11% | 28% |
| Peers Return | 9% | 5% | 9% | 25% | 13% | -1% | 75% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 6% | 93% |
Monthly Win Rates [3] | |||||||
| AAME Win Rate | 42% | 58% | 33% | 58% | 58% | 20% | |
| Peers Win Rate | 53% | 47% | 53% | 57% | 62% | 40% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 60% | |
Max Drawdowns [4] | |||||||
| AAME Max Drawdown | 0% | -11% | -33% | -41% | -14% | -23% | |
| Peers Max Drawdown | -10% | -16% | -13% | -15% | -11% | -11% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -7% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: CNO, ORI, THG, KMPR, GL.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 5/6/2026 (YTD)
How Low Can It Go
| Event | AAME | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -17.1% | -18.8% |
| % Gain to Breakeven | 20.6% | 23.1% |
| Time to Breakeven | 28 days | 79 days |
| Summer-Fall 2023 Five Percent Yield Shock | ||
| % Loss | -16.7% | -9.5% |
| % Gain to Breakeven | 20.1% | 10.5% |
| Time to Breakeven | 6 days | 24 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -21.9% | -6.7% |
| % Gain to Breakeven | 28.0% | 7.1% |
| Time to Breakeven | 183 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -17.5% | -24.5% |
| % Gain to Breakeven | 21.2% | 32.4% |
| Time to Breakeven | 16 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -37.4% | -33.7% |
| % Gain to Breakeven | 59.6% | 50.9% |
| Time to Breakeven | 50 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -14.1% | -19.2% |
| % Gain to Breakeven | 16.4% | 23.7% |
| Time to Breakeven | 8 days | 105 days |
In The Past
Atlantic American's stock fell -17.1% during the 2025 US Tariff Shock. Such a loss loss requires a 20.6% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
| Event | AAME | S&P 500 |
|---|---|---|
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -21.9% | -6.7% |
| % Gain to Breakeven | 28.0% | 7.1% |
| Time to Breakeven | 183 days | 31 days |
| 2020 COVID-19 Crash | ||
| % Loss | -37.4% | -33.7% |
| % Gain to Breakeven | 59.6% | 50.9% |
| Time to Breakeven | 50 days | 140 days |
| 2014-2016 Oil Price Collapse | ||
| % Loss | -22.5% | -6.8% |
| % Gain to Breakeven | 29.0% | 7.3% |
| Time to Breakeven | 125 days | 15 days |
| 2010 Eurozone Sovereign Debt Crisis / Flash Crash | ||
| % Loss | -23.1% | -15.4% |
| % Gain to Breakeven | 30.0% | 18.2% |
| Time to Breakeven | 56 days | 125 days |
| 2008-2009 Global Financial Crisis | ||
| % Loss | -66.9% | -53.4% |
| % Gain to Breakeven | 202.2% | 114.4% |
| Time to Breakeven | 210 days | 1085 days |
| Summer 2007 Credit Crunch | ||
| % Loss | -34.6% | -8.6% |
| % Gain to Breakeven | 53.0% | 9.5% |
| Time to Breakeven | 2122 days | 47 days |
In The Past
Atlantic American's stock fell -17.1% during the 2025 US Tariff Shock. Such a loss loss requires a 20.6% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
About Atlantic American (AAME)
Atlantic American Corporation, through its subsidiaries, provides life and health, and property and casualty insurance products in the United States. The company operates through American Southern and Bankers Fidelity segments. It offers property and casualty insurance products, including business automobile insurance coverage for state governments, local municipalities, and other motor pools and fleets; and inland marine and general liability insurance products. The company also provides surety bond coverage for subdivision construction, school bus contracts, as well as performance and payment bonds. In addition, the company provides individual and group whole life insurance, as well as medicare supplement insurance products; and other accident and health insurance coverages, include various individual and group policies for the payment of standard benefits for the treatment of diagnosed cancer and other critical illnesses, as well as various other policies, such as short-term nursing facility care, accident expense, hospital indemnity, and disability coverages. It markets its products through independent agents and brokers. The company was founded in 1937 and is headquartered in Atlanta, Georgia.
AI Analysis | Feedback
Analogy 1: Think of it as a **State Farm** or **Allstate**, but instead of focusing on personal car and home insurance, it specializes in commercial insurance for government fleets and offers a range of life and health plans, like Medicare supplements.
Analogy 2: A diversified insurer, similar to a more specialized and regional version of **AIG**, offering a blend of life, health, commercial property & casualty, and surety bond products across the US.
AI Analysis | Feedback
- Life and Health Insurance: Provides individual and group policies, including whole life, Medicare supplement, and specialized coverages for critical illnesses, accidents, hospital stays, and disability.
- Property and Casualty Insurance: Offers coverage primarily for business automobiles, inland marine risks, and general liability, serving state governments, local municipalities, and motor pools.
- Surety Bonds: Issues guarantees for obligations such as subdivision construction, school bus contracts, and performance and payment requirements.
AI Analysis | Feedback
Atlantic American (AAME) serves a diverse customer base, encompassing both organizational and individual clients. Based on the company description, its major customers can be categorized as follows:
- Governmental Entities: These include state governments and local municipalities that purchase business automobile insurance coverage and potentially other property and casualty products.
- Businesses and Other Organizations: This category comprises motor pools and fleets, contractors requiring surety bonds (such as for subdivision construction and school bus contracts), and various "groups" (typically employers or associations) purchasing group life and health insurance policies.
- Individuals: The company provides a range of life and health insurance products directly to individuals, including whole life insurance, Medicare supplement insurance, and other accident and health coverages like policies for cancer, critical illnesses, short-term nursing facility care, accident expense, hospital indemnity, and disability.
AI Analysis | Feedback
nullAI Analysis | Feedback
Hilton H. Howell, Jr. Chairman, President and Chief Executive Officer
Hilton H. Howell, Jr. has served as CEO of Atlantic American Corporation since May 1995 and as Chairman since February 2009. He has extensive experience in the insurance industry. In addition to his role at Atlantic American, Mr. Howell is also the Executive Chairman and Chief Executive Officer, and a director, of Gray Media, Inc. (formerly Gray Television, Inc.), where he has held various leadership positions since 2009. Prior to joining Atlantic American, Mr. Howell practiced law privately. He holds a bachelor's degree in history, a law degree (cum laude), and a master's degree in business administration.
J. Ross Franklin Vice President, Chief Financial Officer and Corporate Secretary
J. Ross Franklin serves as the Vice President, Chief Financial Officer, and Corporate Secretary of Atlantic American Corporation. In this multifaceted role, he is responsible for the company's financial health, strategic fiscal planning, and corporate governance. His expertise lies in accounting, financial reporting, and capital management, which are fundamental to the company's financial stability and strategic growth.
Ricky David Burns Executive Vice President
Ricky David Burns holds the title of Executive Vice President at Atlantic American Corporation. His background includes extensive experience and a deep understanding of the financial services industry. This expertise is considered crucial for navigating market complexities and driving the company's growth initiatives.
Sam Krishnamurthy Vice President and Chief Information Officer
Sam Krishnamurthy serves as the Vice President and Chief Information Officer of Atlantic American Corporation.
Barbara B. Snyder Vice President of Human Resources
Barbara B. Snyder holds the position of Vice President of Human Resources at Atlantic American Corporation.
AI Analysis | Feedback
Here are the key risks to Atlantic American Corporation (AAME):
- Increased Claims Costs and Unfavorable Loss Experience in Property and Casualty (P&C) Segment: Atlantic American Corporation has faced significant financial challenges, reporting a net loss in 2024 primarily due to increased claims in its property and casualty segment. This segment, particularly commercial automobile insurance, has experienced higher frequency and severity of claims, leading to underwriting losses. The company is actively implementing rate adjustments to mitigate the impact of these unfavorable loss experiences and improve profitability in this sector.
- Volatile Operating Results in Medicare Supplement Segment: The Medicare supplement segment has demonstrated fluctuating underwriting performance and elevated expenses, contributing to unfavorable underwriting results for the company in 2024. Atlantic American Corporation is addressing this risk through corrective actions, including rate increases, more stringent underwriting, and by diversifying its product offerings into lower-risk ancillary health and life products.
- Overall Financial Challenges and Profitability Concerns: The company reported a net loss of $4.3 million in 2024 and has experienced volatile operating results in recent years, which have impacted its capital and surplus levels. While there have been some signs of financial recovery with a net income in Q1 2025, the consistent profitability remains a challenge, as indicated by prior net losses and ongoing pressures from increased claims costs and inflation.
AI Analysis | Feedback
null
AI Analysis | Feedback
Atlantic American Corporation (AAME) operates in several addressable markets within the United States for its diverse insurance products and services.
Property and Casualty Insurance Products
- Property and Casualty (P&C) Insurance Market: The U.S. property and casualty insurance market was valued at approximately USD 1.10 trillion in 2025 and is projected to reach USD 1.33 trillion by 2030. Another estimate places the U.S. P&C market at USD 1.14 trillion in 2026, growing to USD 1.39 trillion by 2031.
- Business Automobile Insurance: The U.S. commercial auto insurance market recorded approximately USD 61.6 billion in direct written premiums in 2024. The market size was USD 52.8 billion in 2023.
- Inland Marine Insurance: U.S. inland marine direct premiums written increased to USD 29.82 billion, according to a recent report. The market size was valued at USD 12.6 billion in 2024 and is projected to reach USD 21.33 billion by 2032.
- General Liability Insurance: A specific standalone market size for general liability insurance in the U.S. was not readily available from the search results, though it is a component of the broader property and casualty market.
Surety Bond Coverage
- Surety Bond Market: The U.S. surety market was estimated at USD 19.14 billion in 2024 and is projected to grow to USD 27.7 billion by 2035. The U.S. surety industry writes approximately USD 7-9 billion in premiums annually.
Life and Health Insurance Products
- Life Insurance (Individual and Group Whole Life Insurance): The U.S. life insurance market size was estimated at USD 1.93 trillion in 2024 and is predicted to be worth around USD 4.74 trillion by 2034. Total direct written premiums and deposits for the life industry in the U.S. reached USD 1.4 trillion in 2024.
- Medicare Supplement Insurance Products: The U.S. Medicare supplement health insurance market totaled USD 39.1 billion in earned premiums in 2024. It was valued at USD 26.97 billion in 2022 and is projected to reach USD 39.26 billion by 2030.
- Health Insurance (Overall Accident and Health Insurance Coverages): The broader U.S. health and medical insurance market stands at USD 1.65 trillion in 2026 and is projected to reach USD 2.15 trillion by 2031.
- Critical Illness Insurance: The U.S. critical illness insurance market size was valued at USD 90.15 billion in 2025.
- Short-Term Nursing Facility Care (Short-Term Care Insurance): The U.S. short-term care insurance market is projected to grow from approximately USD 45 billion in 2024 to an estimated USD 110.1 billion by 2033.
- Accident Expense and Hospital Indemnity Coverages: Specific standalone market sizes for accident expense and hospital indemnity insurance in the U.S. were not readily available; these are typically considered subsets of broader health or supplemental health insurance markets.
- Disability Coverages: The U.S. disability insurance market size was USD 20.1 billion in 2024. For specific segments, U.S. individual disability insurance (IDI) premiums exceeded USD 5.4 billion in 2024, and the U.S. group-level disability insurance market is expected to reach USD 49.31 billion by 2030.
AI Analysis | Feedback
Expected Drivers of Future Revenue Growth for Atlantic American (AAME)
Over the next 2-3 years, Atlantic American Corporation (AAME) is expected to drive future revenue growth through a combination of strategic focuses within its insurance segments and leveraging its distribution channels:
- Growth in Property & Casualty Insurance Lines: The company has previously experienced premium revenue growth driven by its automobile insurance lines. Continued expansion and careful management within the property and casualty segment, particularly focusing on disciplined underwriting, are expected to contribute to future revenue increases.
- Expansion of Life and Health Insurance Products: Favorable loss experience in specific life and health offerings, such as group life and Medicare supplement lines of business, indicates potential for further growth. An emphasis on these profitable segments is likely to be a driver of increased premiums.
- Customer Acquisition and Retention via Independent Agents and Brokers: Atlantic American markets its products through independent agents and brokers, leveraging strong relationships and a focus on customer service. Growing its customer base through these established distribution networks will be a fundamental driver for increasing premium revenue.
- Strategic Price Adjustments: Given the noted inflationary pressures in the property and casualty segment and the continuous need to manage loss ratios across its insurance operations, strategic price adjustments are anticipated to contribute to revenue growth. Such adjustments aim to ensure profitability while responding to market conditions and claims experience.
AI Analysis | Feedback
Share Repurchases
- Atlantic American Corporation has a stock repurchase plan authorized by its Board of Directors to repurchase up to 750,000 shares of the Company's common stock. This plan was approved as a replacement for a prior terminated plan.
- The repurchase program allows for shares to be bought back from time to time in accordance with applicable securities laws.
Share Issuance
- No specific dollar amount of shares issued by Atlantic American Corporation within the last 3-5 years (2021-2025) was identified in the available information.
Inbound Investments
- No large, strategic investments made in Atlantic American Corporation by third-parties within the last 3-5 years (2021-2025) were identified in the available information.
Outbound Investments
- No instances where Atlantic American Corporation made a strategic investment in another company within the last 3-5 years (2021-2025) were identified in the available information.
Capital Expenditures
- No specific dollar value of capital expenditures or expected capital expenditures for Atlantic American Corporation within the last 3-5 years (2021-2025) were identified in the available information.
Trade Ideas
Select ideas related to AAME.
| Date | Ticker | Company | Category | Trade Strategy | 6M Fwd Rtn | 12M Fwd Rtn | 12M Max DD |
|---|---|---|---|---|---|---|---|
| 04302026 | EEFT | Euronet Worldwide | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | 0.0% | 0.0% | 0.0% |
| 04242026 | HOMB | Home BancShares | Insider | Insider Buys | Low D/EStrong Insider BuyingCompanies with strong insider buying in the last 1 month, positive operating income and reasonable debt / market cap | 1.5% | 1.5% | 0.0% |
| 03312026 | HBAN | Huntington Bancshares | Insider | Insider Buys 45DStrong Insider BuyingCompanies with multiple insider buys in the last 45 days | 7.1% | 7.1% | 0.0% |
| 03312026 | NP | Neptune Insurance | Insider | Insider Buys 45DStrong Insider BuyingCompanies with multiple insider buys in the last 45 days | 3.9% | 3.9% | 0.0% |
| 03272026 | JKHY | Jack Henry & Associates | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 0.3% | 0.3% | -4.0% |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 42.44 |
| Mkt Cap | 5.5 |
| Rev LTM | 5,389 |
| Op Inc LTM | - |
| FCF LTM | 945 |
| FCF 3Y Avg | 717 |
| CFO LTM | 945 |
| CFO 3Y Avg | 722 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 5.0% |
| Rev Chg 3Y Avg | 5.5% |
| Rev Chg Q | 5.1% |
| QoQ Delta Rev Chg LTM | 1.2% |
| Op Inc Chg LTM | - |
| Op Inc Chg 3Y Avg | - |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 14.0% |
| CFO/Rev 3Y Avg | 13.1% |
| FCF/Rev LTM | 14.0% |
| FCF/Rev 3Y Avg | 13.0% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 5.5 |
| P/S | 1.0 |
| P/Op Inc | - |
| P/EBIT | 7.4 |
| P/E | 10.3 |
| P/CFO | 5.8 |
| Total Yield | 10.9% |
| Dividend Yield | 1.8% |
| FCF Yield 3Y Avg | 13.2% |
| D/E | 0.4 |
| Net D/E | -0.5 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | 7.0% |
| 3M Rtn | 1.8% |
| 6M Rtn | 5.2% |
| 12M Rtn | 18.9% |
| 3Y Rtn | 57.3% |
| 1M Excs Rtn | -4.5% |
| 3M Excs Rtn | -5.2% |
| 6M Excs Rtn | 1.1% |
| 12M Excs Rtn | -11.6% |
| 3Y Excs Rtn | -20.2% |
Price Behavior
Price Behavior
| Market Price | $2.51 | |
| Market Cap ($ Bil) | 0.1 | |
| First Trading Date | 09/07/1984 | |
| Distance from 52W High | -28.9% | |
| 50 Days | 200 Days | |
| DMA Price | $2.52 | $2.74 |
| DMA Trend | up | down |
| Distance from DMA | -0.4% | -8.5% |
| 3M | 1YR | |
| Volatility | 53.5% | 67.0% |
| Downside Capture | 0.37 | 0.23 |
| Upside Capture | 32.51 | 82.53 |
| Correlation (SPY) | 4.1% | 9.6% |
AAME Betas & Captures as of 4/30/2026
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | -1.04 | 0.07 | 0.14 | 0.64 | 0.52 | 0.50 |
| Up Beta | -0.90 | -0.93 | -1.40 | -0.14 | -0.22 | 0.33 |
| Down Beta | 2.33 | 1.05 | 1.08 | 1.10 | 1.09 | 0.56 |
| Up Capture | -34% | 10% | 25% | 48% | 79% | 23% |
| Bmk +ve Days | 15 | 22 | 31 | 66 | 141 | 428 |
| Stock +ve Days | 11 | 19 | 28 | 55 | 118 | 341 |
| Down Capture | -311% | 50% | 83% | 97% | 51% | 83% |
| Bmk -ve Days | 4 | 18 | 30 | 56 | 108 | 321 |
| Stock -ve Days | 9 | 22 | 33 | 64 | 121 | 350 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with AAME | |
|---|---|---|---|---|
| AAME | 66.4% | 67.0% | 1.02 | - |
| Sector ETF (XLF) | 6.5% | 14.6% | 0.21 | 12.2% |
| Equity (SPY) | 28.5% | 12.5% | 1.78 | 9.1% |
| Gold (GLD) | 40.6% | 27.2% | 1.23 | -1.2% |
| Commodities (DBC) | 50.9% | 18.0% | 2.20 | -7.7% |
| Real Estate (VNQ) | 12.8% | 13.5% | 0.65 | 2.9% |
| Bitcoin (BTCUSD) | -14.2% | 42.1% | -0.25 | 4.2% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with AAME | |
|---|---|---|---|---|
| AAME | -6.1% | 58.0% | 0.11 | - |
| Sector ETF (XLF) | 9.1% | 18.6% | 0.37 | 12.1% |
| Equity (SPY) | 12.7% | 17.1% | 0.58 | 9.5% |
| Gold (GLD) | 21.0% | 17.9% | 0.96 | -0.5% |
| Commodities (DBC) | 13.9% | 19.1% | 0.60 | -1.7% |
| Real Estate (VNQ) | 3.5% | 18.8% | 0.09 | 5.9% |
| Bitcoin (BTCUSD) | 8.7% | 56.1% | 0.37 | 3.4% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with AAME | |
|---|---|---|---|---|
| AAME | -3.0% | 76.6% | 0.26 | - |
| Sector ETF (XLF) | 12.5% | 22.2% | 0.52 | 6.0% |
| Equity (SPY) | 14.9% | 17.9% | 0.71 | 7.6% |
| Gold (GLD) | 13.7% | 16.0% | 0.71 | 1.3% |
| Commodities (DBC) | 9.5% | 17.7% | 0.45 | 3.0% |
| Real Estate (VNQ) | 5.7% | 20.7% | 0.24 | 4.0% |
| Bitcoin (BTCUSD) | 68.4% | 66.9% | 1.07 | 5.3% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 11/14/2025 | -8.9% | -19.9% | -17.8% |
| 8/12/2025 | 6.1% | 52.8% | 41.1% |
| 3/25/2025 | -2.8% | -12.4% | -12.7% |
| 11/12/2024 | 1.5% | -5.3% | -9.5% |
| 8/14/2024 | -3.1% | -4.4% | 3.8% |
| 4/1/2024 | -8.5% | -23.0% | -32.7% |
| 11/13/2023 | 8.2% | 19.5% | 19.0% |
| 6/30/2023 | 0.0% | -1.6% | -8.3% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 8 | 6 | 7 |
| # Negative | 8 | 10 | 9 |
| Median Positive | 2.5% | 11.7% | 3.8% |
| Median Negative | -5.8% | -8.8% | -11.0% |
| Max Positive | 8.2% | 52.8% | 41.1% |
| Max Negative | -20.4% | -30.2% | -32.7% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 09/30/2025 | 11/14/2025 | 10-Q |
| 06/30/2025 | 08/12/2025 | 10-Q |
| 03/31/2025 | 05/13/2025 | 10-Q |
| 12/31/2024 | 03/25/2025 | 10-K |
| 09/30/2024 | 11/12/2024 | 10-Q |
| 06/30/2024 | 08/14/2024 | 10-Q |
| 03/31/2024 | 05/14/2024 | 10-Q |
| 12/31/2023 | 04/01/2024 | 10-K |
| 09/30/2023 | 11/13/2023 | 10-Q |
| 06/30/2023 | 08/08/2023 | 10-Q |
| 03/31/2023 | 06/30/2023 | 10-Q |
| 12/31/2022 | 06/30/2023 | 10-K |
| 09/30/2022 | 11/08/2022 | 10-Q |
| 06/30/2022 | 08/12/2022 | 10-Q |
| 03/31/2022 | 05/11/2022 | 10-Q |
| 12/31/2021 | 03/25/2022 | 10-K |
Industry Resources
| Financials Resources |
| Federal Reserve Economic Data |
| Federal Reserve |
| FDIC Data |
| American Banker |
| The Banker |
| Banking Technology |
| Life & Health Insurance Resources |
| Insurance Business America |
| A.M. Best |
| National Underwriter |
| Insurance News |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
Prefer one of these to Trefis? Tell us why.