Atlantic American Corporation
Multi-line insurance holding company providing life insurance, accident and health insurance, and property and casualty coverage through American Southern Insurance Company, Bankers Fidelity Life Insurance Company, and American Safety Insurance Company.
What the page says before deeper research
Quality, growth, value, ownership, risk, and source confidence.
Moat 6.5/100 with medium retention risk and medium switching costs.
Growth appears mixed from +12% YoY revenue growth.
P/E of 9.0x versus +12% growth gives a 0.7x multiple-to-growth read.
No SEC-backed 13F layer is matched yet, so ownership confirmation is unavailable.
Retention, AI, or valuation against growth could break the thesis.
Fundamentals from finnhub as of 2026-05-17; ownership confirmation is not available here.
This is the main available operating KPI in the current data and gives a cleaner read than missing valuation fields.
Beginner valuation check
Data pending from FMP or Finnhub.
Positive price performance shows recent market sentiment, not a full investment thesis.
Forward P/E is unavailable, so use price performance and business quality as first-pass checks.
A P/E around 9.0x means investors pay about $9.0 for each $1 the company earned per share over the last 12 months, usually the last four quarterly reports.
Source: market data index. As of May 21, 2026. P/E can be unavailable or misleading when earnings are negative.
Beginner guide
Atlantic American Corporation is a Insurance business that sells insurance operations and tries to turn customer demand into lasting profits.
Multi-line insurance holding company providing life insurance, accident and health insurance, and property and casualty coverage through American Southern Insurance Company, Bankers Fidelity Life Insurance Company, and...
Atlantic American Corporation makes money when customers pay for products, services, subscriptions, transactions, or support tied to insurance operations.
State regulatory compliance creates switching friction - agents can't easily move to unlicensed carriers
Atlantic American Corporation can disappoint if AI disruption weaken growth, margins, customer retention, or investor confidence.
Atlantic American Corporation is like a specialized business engine: investors want to know whether insurance operations can keep producing durable cash flow.
You are basically betting that Atlantic American Corporation can keep turning insurance operations into durable value while managing AI disruption.
A 0-100 shortcut for how defensible the business looks in this company brief. Atlantic American Corporation is scored at 6.5.
How painful it is for customers to leave. this company brief rates Atlantic American Corporation as medium.
Whether existing customers tend to spend more or less over time. The company brief model uses 92%.
The major ways the company organizes its revenue and operations.
Price divided by earnings. It is a quick valuation check, but it can mislead when earnings are temporarily high, low, or negative.
A quarterly filing that shows what many large institutional investors owned at quarter end.
The first four questions
Atlantic American’s state-regulated insurance operations can benefit from switching friction, since agents and customers cannot easily move to an unlicensed carrier.
AAME can disappoint if AI disruption pressures growth, customer retention, or investor confidence, especially given its small scale and legacy operating setup.
Revenue growth (+11.99%)
Next earnings date unavailable from configured sources.
Bull / Neutral / Bear
The core case is that AAME keeps turning insurance operations into cash flow while managing medium retention risk and competitive pressure from more modern InsurTech players.
Revenue growth holds, but no SEC-backed 13F ownership signal is available yet to confirm institutional interest.
State regulatory compliance and long-standing independent agent relationships help Atlantic American keep its insurance operations durable while revenue growth stays positive.
Revenue growth remains near or above +11.99% and business line demand stays steady.
The core case is that AAME keeps turning insurance operations into cash flow while managing medium retention risk and competitive pressure from more modern InsurTech players.
Revenue growth holds, but no SEC-backed 13F ownership signal is available yet to confirm institutional interest.
The downside case is that AI disruption, legacy systems, or weaker retention start to outweigh the switching-friction advantage in Atlantic American’s insurance business.
Revenue growth slows, customer retention weakens, or ownership data later shows no supportive institutional signal.
Beginner checklist
Needs earnings calendar data from a provider.
This is the main available operating KPI in the current data and gives a cleaner read than missing valuation fields.
Margin trend needs company financial statement data; do not infer it from price movement.
Forward P/E is not available in the provided data, so it should not be used as the main stock driver here.
No SEC-backed ownership rows are available for this ticker yet.
Needs insider transaction data from a provider.
For AAME, the best available operating check is whether revenue growth stays positive while the insurance business remains stable.
Atlantic American Corporation is exposure to insurance operating model with medium switching costs and 92% net revenue retention.
State regulatory compliance creates switching friction - agents can't easily move to unlicensed carriers
AI disruption risk is high enough that workflow durability needs active monitoring.
Pro access unlocks the workflow simulator for this company brief.
Simulator coverage pending
This ticker has a company brief, but richer workflow modules have not been built yet.
No SEC-backed 13F rows are matched for this ticker yet. We do not fabricate ownership rows.
- State regulatory compliance creates switching friction - agents can't easily move to unlicensed carriers
- Multi-decade actuarial data and state-specific rate filings create competitive moats
- Independent agent relationships built over 55+ years provide distribution defensibility
- Small scale ($34M market cap) makes them vulnerable to AI-powered InsurTech disruption
- Reinsurance relationships with Munich Re and Swiss Re provide capital efficiency but limit pricing control
- Legacy policy administration systems create operational inefficiencies vs. modern competitors