Atlantic American (AAME)
Market Price (2/25/2026): $2.69 | Market Cap: $54.9 MilSector: Financials | Industry: Life & Health Insurance
Atlantic American (AAME)
Market Price (2/25/2026): $2.69Market Cap: $54.9 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 9.3%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 5.0%, FCF Yield is 44% | Weak multi-year price returns2Y Excs Rtn is -33%, 3Y Excs Rtn is -57% | 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. |
| 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 -76% | ||
| 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. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 9.3%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 5.0%, FCF Yield is 44% |
| 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 -76% |
| 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 -33%, 3Y Excs Rtn is -57% |
| 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
1. Industry-wide rate pressures and intensified competition in the insurance market have likely contributed to a challenging operating environment for Atlantic American. The broader insurance sector is facing mounting rate pressures across multiple commercial and specialty lines as a soft market cycle deepens in 2026, alongside intensifying competition. This trend can impact profitability and growth prospects for insurers, including Atlantic American.
2. Broader macroeconomic and geopolitical factors have introduced uncertainties and potential cost increases for the insurance industry. The insurance sector in 2026 is navigating an environment of "rapid change and heightened uncertainty," encompassing expanding AI-related exposures, escalating environmental liabilities such as those linked to PFAS, and geopolitical volatility that can fuel political violence and trade credit claims. Additionally, claims inflation and supply chain disruptions are pushing up rebuild and repair costs, amplifying business interruption exposures for insurers. These factors collectively increase systemic risks and potential liabilities, negatively influencing investor sentiment for companies in the sector.
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Stock Movement Drivers
Fundamental Drivers
The -4.9% change in AAME stock from 10/31/2025 to 2/25/2026 was primarily driven by a -52.9% change in the company's P/E Multiple.| (LTM values as of) | 10312025 | 2252026 | Change |
|---|---|---|---|
| Stock Price ($) | 2.83 | 2.69 | -4.9% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 199 | 208 | 4.6% |
| Net Income Margin (%) | 1.3% | 2.5% | 92.7% |
| P/E Multiple | 22.8 | 10.7 | -52.9% |
| Shares Outstanding (Mil) | 20 | 20 | 0.0% |
| Cumulative Contribution | -4.9% |
Market Drivers
10/31/2025 to 2/25/2026| Return | Correlation | |
|---|---|---|
| AAME | -4.9% | |
| Market (SPY) | 1.6% | 14.2% |
| Sector (XLF) | -1.0% | 12.2% |
Fundamental Drivers
The 17.7% change in AAME stock from 7/31/2025 to 2/25/2026 was primarily driven by a 8.8% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 7312025 | 2252026 | Change |
|---|---|---|---|
| Stock Price ($) | 2.29 | 2.69 | 17.7% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 191 | 208 | 8.8% |
| P/S Multiple | 0.2 | 0.3 | 8.2% |
| Shares Outstanding (Mil) | 20 | 20 | 0.0% |
| Cumulative Contribution | 17.7% |
Market Drivers
7/31/2025 to 2/25/2026| Return | Correlation | |
|---|---|---|
| AAME | 17.7% | |
| Market (SPY) | 10.0% | 11.8% |
| Sector (XLF) | -0.6% | 13.5% |
Fundamental Drivers
The 61.6% change in AAME stock from 1/31/2025 to 2/25/2026 was primarily driven by a 44.3% change in the company's P/S Multiple.| (LTM values as of) | 1312025 | 2252026 | Change |
|---|---|---|---|
| Stock Price ($) | 1.66 | 2.69 | 61.6% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 186 | 208 | 12.0% |
| P/S Multiple | 0.2 | 0.3 | 44.3% |
| Shares Outstanding (Mil) | 20 | 20 | 0.0% |
| Cumulative Contribution | 61.6% |
Market Drivers
1/31/2025 to 2/25/2026| Return | Correlation | |
|---|---|---|
| AAME | 61.6% | |
| Market (SPY) | 16.2% | 16.5% |
| Sector (XLF) | 1.8% | 20.3% |
Fundamental Drivers
The 11.0% change in AAME stock from 1/31/2023 to 2/25/2026 was primarily driven by a 50.1% change in the company's Net Income Margin (%).| (LTM values as of) | 1312023 | 2252026 | Change |
|---|---|---|---|
| Stock Price ($) | 2.42 | 2.69 | 11.0% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 192 | 208 | 8.2% |
| Net Income Margin (%) | 1.6% | 2.5% | 50.1% |
| P/E Multiple | 15.7 | 10.7 | -31.6% |
| Shares Outstanding (Mil) | 20 | 20 | 0.0% |
| Cumulative Contribution | 11.0% |
Market Drivers
1/31/2023 to 2/25/2026| Return | Correlation | |
|---|---|---|
| AAME | 11.0% | |
| Market (SPY) | 76.9% | 11.3% |
| Sector (XLF) | 48.4% | 11.8% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| AAME Return | 20% | -4% | 6% | -37% | 87% | -5% | 37% |
| Peers Return | 9% | 5% | 9% | 25% | 13% | -6% | 67% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 1% | 83% |
Monthly Win Rates [3] | |||||||
| AAME Win Rate | 42% | 58% | 33% | 58% | 58% | 0% | |
| Peers Win Rate | 53% | 47% | 53% | 57% | 62% | 30% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 50% | |
Max Drawdowns [4] | |||||||
| AAME Max Drawdown | 0% | -11% | -33% | -41% | -14% | -12% | |
| Peers Max Drawdown | -10% | -16% | -13% | -15% | -11% | -10% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -1% | |
[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 2/25/2026 (YTD)
How Low Can It Go
| Event | AAME | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -76.4% | -25.4% |
| % Gain to Breakeven | 324.0% | 34.1% |
| Time to Breakeven | Not Fully Recovered days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -42.6% | -33.9% |
| % Gain to Breakeven | 74.2% | 51.3% |
| Time to Breakeven | 207 days | 148 days |
| 2018 Correction | ||
| % Loss | -63.4% | -19.8% |
| % Gain to Breakeven | 173.3% | 24.7% |
| Time to Breakeven | 450 days | 120 days |
| 2008 Global Financial Crisis | ||
| % Loss | -91.6% | -56.8% |
| % Gain to Breakeven | 1088.9% | 131.3% |
| Time to Breakeven | 4,329 days | 1,480 days |
Compare to CNO, ORI, THG, KMPR, GL
In The Past
Atlantic American's stock fell -76.4% during the 2022 Inflation Shock from a high on 2/9/2021. A -76.4% loss requires a 324.0% gain to breakeven.
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About Atlantic American (AAME)
AI Analysis | Feedback
- A specialized Humana for senior health insurance.
- A niche Travelers for commercial transportation and specialty P&C insurance.
AI Analysis | Feedback
Atlantic American (AAME) primarily offers the following insurance products and services:
- Property and Casualty Insurance: Provides coverage for various risks including commercial auto, general liability, and property damage.
- Life Insurance: Offers financial protection to policyholders' beneficiaries upon the insured's death.
- Medicare Supplement Insurance: Covers medical costs not paid by Medicare Parts A and B, such as deductibles, copayments, and coinsurance.
- Fixed-Benefit Health Insurance: Provides specific, predetermined cash payments for certain health events or illnesses.
AI Analysis | Feedback
Atlantic American (symbol: AAME) primarily sells its specialty property and casualty insurance products to other companies.
Its Property & Casualty segment, which consistently generates the largest portion of its premium revenue, focuses on serving a broad and diverse base of small to medium-sized businesses across various industries. These customers typically acquire insurance through independent agencies.
Due to the highly fragmented nature of this customer base and the strategic focus on small to medium-sized enterprises, Atlantic American does not have any single major identifiable corporate customers that account for a significant portion of its revenue, nor does it typically count large public companies among its major clients. Therefore, specific customer company names cannot be listed.
AI Analysis | Feedback
- Munich Reinsurance America, Inc. (Parent: Munich Re Group, Symbol: MURGY)
- Swiss Re America Corporation (Parent: Swiss Re Ltd, Symbol: SSREY)
- Arch Reinsurance Company (Parent: Arch Capital Group Ltd., Symbol: ACGL)
- Everest Reinsurance Company (Parent: Everest Group, Ltd., Symbol: EG)
- Transatlantic Reinsurance Company (Parent: Berkshire Hathaway Inc., Symbol: BRK.B)
AI Analysis | Feedback
Hilton H. Howell, Jr. Chairman, President and CEO
Hilton H. Howell, Jr. serves as the Chairman, President, and Chief Executive Officer of Atlantic American Corporation, holding the President and CEO roles since May 1995 and the Chairman role since February 2009. He previously served as Executive Vice President of Atlantic American from October 1992 to May 1995. Mr. Howell also holds significant leadership positions at Gray Television (Gray Media, Inc.), where he has been the Chief Executive Officer since August 2008 and President since June 2013, having joined Gray Television in 1993. His career began in private law practice in Houston, Texas. He has also been a director for Atlantic American's subsidiaries, including American Southern Insurance Company, American Safety Insurance Company, and Bankers Fidelity Life Insurance Company. Additionally, Mr. Howell served as Executive Vice President of Delta Life Insurance Company and Delta Fire & Casualty Company, and as Vice President, Secretary, and Director of Bull Run Corporation. He was also a director at Meredith Corp and Triple Crown Media Inc. Mr. Howell holds a Bachelor's degree in history and a Juris Doctor (cum laude) from Baylor University, and a Master of Business Administration from the University of Texas at Austin.
J. Ross Franklin Vice President, Chief Financial Officer and Corporate Secretary
J. Ross Franklin is the Vice President, Chief Financial Officer, and Corporate Secretary of Atlantic American Corporation. He was appointed to this position in November 2017, after serving as Interim Chief Financial Officer since August 2017. Mr. Franklin possesses more than 18 years of experience in accounting and financial management. He has held various roles of increasing responsibility within Atlantic American and its subsidiaries since 2000, including serving as Vice President, Accounting, and Treasurer of Bankers Fidelity since 2009. He is a Certified Public Accountant and earned both his Master of Professional Accounting and Master in Business Administration degrees from Georgia State University.
John Dunbar Vice President and CIO
John Dunbar serves as the Vice President and Chief Information Officer at Atlantic American Corporation. He pursued his education at the J. Mack Robinson College of Business at Georgia State University from 1986 to 1988 and at the Florida State University College of Business from 1981 to 1984.
McClure King President Bankers Fidelity Life Insurance
McClure King is the President of Bankers Fidelity Life Insurance.
Scott G. Thompson President and CEO American Southern Insurance Company
Scott G. Thompson holds the position of President and CEO of American Southern Insurance Company, a subsidiary of Atlantic American Corporation. He also serves as a Director on the Board of Atlantic American Corporation.
AI Analysis | Feedback
The key risks to Atlantic American (AAME) are primarily concentrated within its financial reporting and insurance operations:
- Material Weakness in Internal Control Over Financial Reporting: Atlantic American has identified a material weakness in its internal control over financial reporting. The company's ability to remediate this weakness is cited as a significant risk, which could affect the accuracy of financial statements and investor confidence.
- Underwriting Performance and Claims Severity in Property and Casualty Operations: The company has experienced unfavorable loss experience in its property and casualty operations, particularly within the automobile liability line of business, due to an increase in the frequency and severity of claims. This directly impacts the profitability of its insurance segments.
- Investment Portfolio Volatility: Fluctuations in realized and unrealized gains on equity securities have materially impacted Atlantic American's net income. As an insurance company, investment performance is a critical component of its financial results, making market volatility a notable risk.
AI Analysis | Feedback
Clear Emerging Threats for Atlantic American (AAME)
-
Disruptive Insurtech Competitors:
AAME faces a clear emerging threat from numerous well-funded insurtech startups. These companies are leveraging advanced technologies such as artificial intelligence (AI), big data analytics, and digital-first platforms to offer insurance products across property & casualty, life, and health segments. They often provide simplified application processes, faster underwriting, and direct-to-consumer or small-to-medium enterprise (SME) distribution models, effectively bypassing traditional agent networks and legacy systems. This allows them to potentially offer more competitive pricing and a superior customer experience, directly threatening AAME's market share and profitability, particularly in its commercial lines and individual life/health segments.
-
Rapid Adoption of Telematics and Usage-Based Insurance (UBI) in Commercial Auto:
For AAME's American Southern Insurance Company, which has a significant presence in commercial auto insurance, the accelerated adoption of telematics and usage-based insurance (UBI) programs presents a distinct emerging threat. Competitors are increasingly integrating telematics devices and data analytics to assess driving behavior in real-time, allowing them to price policies more accurately and offer incentives for safer driving. If AAME is slower to integrate these advanced technologies into its commercial auto offerings, it risks losing market share to competitors who can provide more competitive rates to desirable (low-risk) customers and offer better risk management tools to their commercial fleet clients.
AI Analysis | Feedback
Atlantic American Corporation (AAME) operates in the U.S. insurance market through its subsidiaries, focusing on life, health, and property and casualty insurance segments. The addressable markets for their main products and services in the U.S. are sized as follows:
- Life Insurance Market (U.S.): The U.S. life insurance market was estimated at approximately $1.93 trillion in 2024 and is projected to reach around $4.74 trillion by 2034, demonstrating a compound annual growth rate (CAGR) of 9.40% from 2025 to 2034. Another report indicates that the U.S. life insurance market generated a revenue of $504.37 billion in 2020 and is expected to reach $848.14 billion by 2027, with a CAGR of 7.7% from 2021 to 2027. The total U.S. life insurance new annualized premium increased by 8% in the first quarter of 2025.
- Accident and Health Insurance Market (U.S.): The personal accident and health insurance market in the U.S. was valued at $1.48 billion in 2024 and is projected to grow to $2.75 billion by 2035, at a CAGR of 5.80% from 2025 to 2035. The broader U.S. accident and health (A&H) insurance market has shown consistent growth, with expansion rates exceeding 8% in each of the three years prior to 2024, slowing to 8.8% in 2023 from over 10% in 2022. The life/annuity insurance sector, which includes accident and health insurance, had net premiums written totaling $822.6 billion in the U.S. in 2024.
- Property and Casualty (P&C) Insurance Market (U.S.): The U.S. property and casualty insurance market was valued at $1.10 trillion in 2025 and is projected to reach $1.33 trillion by 2030, with a CAGR of 3.96%. Another estimate places the U.S. property and casualty insurance market size at approximately $890 billion in 2024, with a projection to reach around $2.02 trillion by 2034, growing at a CAGR of 8.54% from 2025 to 2034. The market size for property, casualty, and direct insurance in the U.S. was $1.0 trillion in 2024. Net premiums written for the P&C sector in the U.S. totaled $932.5 billion in 2024.
AI Analysis | Feedback
Atlantic American Corporation (AAME) is expected to drive future revenue growth over the next 2-3 years through several key areas within its insurance operations.
The anticipated drivers include:
- Growth in Life and Health Premium Revenue: Atlantic American anticipates continued growth in premium revenue, particularly within its life and health operations. This segment has shown significant contributions to overall revenue, with Bankers Fidelity's net earned premiums rising, notably from Medicare supplement, group accident and health, and other individual health lines due to new sales.
- Expansion in Property & Casualty Inland Marine Line: The property and casualty segment, specifically the inland marine line, has been highlighted as a growth driver for American Southern. Continued focus and potential expansion in this area are expected to contribute to future revenue.
- Increased New Sales in Specialized Health Products: New sales in products like Medicare supplement and group accident and health are identified as key to supporting future premium revenue growth in the life and health operations.
- Overall Premium Revenue Growth Across Segments: The company's performance in Q2 2025 was driven by increased premium revenue across both property & casualty and life & health segments, indicating a broad-based approach to growing its core insurance offerings. This trend is expected to continue.
AI Analysis | Feedback
Share Repurchases
- Atlantic American's Board of Directors approved a new stock repurchase plan in April 2025, authorizing the repurchase of up to 750,000 shares of the Company's common stock. This plan replaced a prior stock repurchase authorization.
- The 6-Month Share Buyback Ratio for Atlantic American was 0.01% as of March 2025, indicating minimal repurchases within that six-month period.
Share Issuance
- As of February 29, 2024, Atlantic American Corporation had 20,402,288 shares of common stock outstanding.
- The common shares outstanding for the fiscal year ending December 31, 2024, were 20.40 million.
- Atlantic American currently has 20,397,228 shares outstanding.
Capital Expenditures
- Atlantic American Corporation's Capital Expenditures (CapEx) as a percentage of revenue (CAGR 1YRS) increased by 203.26% in the latest trailing twelve months.
- Over the past five years, the average CapEx % CAGR 1YRS for Atlantic American was 97.21%.
- The principal cash needs of the parent company include the acquisition of capital assets.
Trade Ideas
Select ideas related to AAME.
| Date | Ticker | Company | Category | Trade Strategy | 6M Fwd Rtn | 12M Fwd Rtn | 12M Max DD |
|---|---|---|---|---|---|---|---|
| 01302026 | FDS | FactSet Research Systems | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | -18.8% | -18.8% | -25.3% |
| 01302026 | PFSI | PennyMac Financial Services | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | -6.9% | -6.9% | -9.3% |
| 01302026 | ALLY | Ally Financial | 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 | -1.9% | -1.9% | -5.5% |
| 01232026 | FIS | Fidelity National Information Services | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | -18.9% | -18.9% | -22.6% |
| 01022026 | MORN | Morningstar | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | -18.1% | -18.1% | -26.8% |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 42.32 |
| Mkt Cap | 5.2 |
| Rev LTM | 5,362 |
| Op Inc LTM | - |
| FCF LTM | 837 |
| FCF 3Y Avg | 664 |
| CFO LTM | 842 |
| CFO 3Y Avg | 670 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 4.5% |
| Rev Chg 3Y Avg | 3.8% |
| Rev Chg Q | 4.6% |
| QoQ Delta Rev Chg LTM | 1.2% |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 14.9% |
| CFO/Rev 3Y Avg | 12.5% |
| FCF/Rev LTM | 14.9% |
| FCF/Rev 3Y Avg | 12.4% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 5.2 |
| P/S | 0.9 |
| P/EBIT | 7.5 |
| P/E | 11.6 |
| P/CFO | 6.2 |
| Total Yield | 11.3% |
| Dividend Yield | 1.8% |
| FCF Yield 3Y Avg | 12.6% |
| D/E | 0.4 |
| Net D/E | -0.7 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | 2.7% |
| 3M Rtn | 0.2% |
| 6M Rtn | 2.4% |
| 12M Rtn | 14.4% |
| 3Y Rtn | 28.6% |
| 1M Excs Rtn | 2.7% |
| 3M Excs Rtn | -3.5% |
| 6M Excs Rtn | -4.6% |
| 12M Excs Rtn | -0.4% |
| 3Y Excs Rtn | -43.9% |
Price Behavior
| Market Price | $2.69 | |
| Market Cap ($ Bil) | 0.1 | |
| First Trading Date | 09/07/1984 | |
| Distance from 52W High | -23.8% | |
| 50 Days | 200 Days | |
| DMA Price | $2.75 | $2.59 |
| DMA Trend | up | up |
| Distance from DMA | -2.3% | 4.0% |
| 3M | 1YR | |
| Volatility | 87.0% | 77.7% |
| Downside Capture | 8.86 | 60.75 |
| Upside Capture | 50.84 | 105.30 |
| Correlation (SPY) | 8.0% | 16.0% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 1.02 | 1.28 | 1.30 | 0.85 | 0.67 | 0.46 |
| Up Beta | -0.43 | 4.89 | 1.70 | 0.70 | 0.35 | 0.36 |
| Down Beta | 1.03 | 1.21 | 1.15 | 0.85 | 0.76 | 0.52 |
| Up Capture | 70% | 61% | 100% | 102% | 117% | 17% |
| Bmk +ve Days | 11 | 22 | 34 | 71 | 142 | 430 |
| Stock +ve Days | 7 | 16 | 27 | 58 | 115 | 337 |
| Down Capture | 212% | 14% | 133% | 77% | 81% | 76% |
| Bmk -ve Days | 9 | 19 | 27 | 54 | 109 | 321 |
| Stock -ve Days | 10 | 22 | 31 | 61 | 120 | 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 | 39.4% | 71.8% | 0.75 | - |
| Sector ETF (XLF) | 2.8% | 19.7% | 0.03 | 20.2% |
| Equity (SPY) | 17.2% | 19.4% | 0.69 | 16.8% |
| Gold (GLD) | 75.4% | 25.7% | 2.16 | -5.0% |
| Commodities (DBC) | 9.7% | 16.9% | 0.38 | 3.7% |
| Real Estate (VNQ) | 7.2% | 16.6% | 0.25 | 12.6% |
| Bitcoin (BTCUSD) | -27.7% | 44.9% | -0.59 | 1.6% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with AAME | |
|---|---|---|---|---|
| AAME | -8.9% | 61.8% | 0.10 | - |
| Sector ETF (XLF) | 12.0% | 18.8% | 0.51 | 10.8% |
| Equity (SPY) | 13.6% | 17.0% | 0.63 | 9.4% |
| Gold (GLD) | 23.4% | 17.1% | 1.12 | 1.2% |
| Commodities (DBC) | 10.7% | 19.0% | 0.45 | -0.1% |
| Real Estate (VNQ) | 5.3% | 18.8% | 0.18 | 4.6% |
| Bitcoin (BTCUSD) | 5.1% | 57.1% | 0.31 | 4.1% |
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Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with AAME | |
|---|---|---|---|---|
| AAME | -2.6% | 76.7% | 0.27 | - |
| Sector ETF (XLF) | 13.8% | 22.2% | 0.57 | 6.1% |
| Equity (SPY) | 15.5% | 17.9% | 0.75 | 7.6% |
| Gold (GLD) | 15.2% | 15.6% | 0.81 | 1.3% |
| Commodities (DBC) | 8.4% | 17.6% | 0.39 | 3.4% |
| Real Estate (VNQ) | 6.6% | 20.7% | 0.28 | 3.8% |
| Bitcoin (BTCUSD) | 66.0% | 66.7% | 1.05 | 5.1% |
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Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 11/14/2025 | -3.3% | -21.5% | -16.9% |
| 8/12/2025 | 2.7% | 40.4% | 44.2% |
| 3/25/2025 | 29.9% | 24.1% | 14.2% |
| 11/12/2024 | 0.9% | 1.5% | -11.6% |
| 8/14/2024 | 6.7% | 0.7% | 16.0% |
| 4/1/2024 | -8.5% | -23.0% | -32.7% |
| 11/13/2023 | 8.2% | 19.5% | 19.0% |
| 6/30/2023 | 2.1% | 3.7% | -3.2% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 11 | 10 | 7 |
| # Negative | 6 | 7 | 10 |
| Median Positive | 2.7% | 8.0% | 14.2% |
| Median Negative | -3.4% | -21.2% | -14.3% |
| Max Positive | 29.9% | 40.4% | 44.2% |
| Max Negative | -8.5% | -26.8% | -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 |
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