Last 46 quarters of trend data · Financial Services · Insurance - Life
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Atlantic American Corporation's quarterly P/E stands at 27.1x.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | -8.13 | 27.08 | 3.55 | 12.32 | 25.16 | — | — | — | — | 6.33 | 6.39 | — | 12.61 |
| — | — | — | — | — | — | — | — | — | — | — | — | +147.0% | |
| P/S Ratio | 0.20 | 0.29 | 0.21 | 0.17 | 0.16 | 0.19 | 0.18 | 0.30 | 0.27 | 0.24 | 0.21 | 0.27 | 0.26 |
| — | +49.2% | +16.0% | -43.1% | -40.1% | -17.4% | -15.4% | +12.5% | +1.4% | -25.1% | -29.9% | -18.1% | -3.6% | |
| P/B Ratio | 0.38 | 0.57 | 0.44 | 0.34 | 0.32 | 0.33 | 0.34 | 0.56 | 0.47 | 0.43 | 0.41 | 0.48 | 0.47 |
| — | +74.1% | +27.6% | -39.0% | -32.3% | -23.0% | -15.7% | +16.0% | -0.2% | -28.5% | -18.6% | -11.1% | +21.2% | |
| P/FCF | 8.34 | 2.36 | 1.27 | — | 0.83 | 149.48 | 23.88 | — | 2.03 | 7.81 | 1.57 | — | 1.37 |
| — | -98.4% | -94.7% | — | -59.3% | +1814.6% | +1423.2% | — | +47.7% | +13.9% | -59.4% | — | +7.3% | |
| EV / EBITDA | — | 19.00 | 2.18 | 8.21 | 13.68 | — | — | — | — | 5.96 | 5.71 | — | 8.69 |
| — | — | — | — | — | — | — | — | — | — | — | — | +99.4% | |
| EV / EBIT | — | 10.63 | 1.89 | 5.05 | 6.12 | — | 708.68 | — | — | 4.59 | 4.51 | — | 6.74 |
| — | — | -99.7% | — | — | — | +15620.1% | — | — | — | — | — | +58.8% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Atlantic American Corporation's operating margin was 1.4% in Q3 2025, down 6.2 pp QoQ and up 6.9 pp YoY. The trailing four-quarter average of 3.1% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind. Gross margin expanded 580.2% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 7.6% | 34.7% | 15.9% | 13.0% | 11.0% | 5.1% | 9.0% | 32.1% | 3.4% | 15.0% | 14.2% | 6.2% | 12.2% |
| — | +580.2% | +76.8% | -59.4% | +223.7% | -66.1% | -36.7% | +413.3% | -72.0% | +142.9% | +272.4% | -57.6% | -16.3% | |
| Operating Margin | -2.8% | 1.4% | 7.6% | 2.1% | 1.1% | -5.5% | -1.8% | -3.5% | -6.6% | 4.8% | 4.5% | -3.9% | 3.0% |
| — | +125.9% | +528.1% | +158.8% | +116.7% | -215.0% | -139.5% | +10.6% | -320.1% | +334.1% | +195.2% | -153.4% | -55.7% | |
| Net Margin | -2.3% | 1.1% | 6.0% | 1.6% | 0.8% | -4.5% | -1.4% | -4.3% | -4.8% | 3.9% | 3.5% | -3.1% | 2.3% |
| — | +123.9% | +518.0% | +137.6% | +117.6% | -213.8% | -140.5% | -36.0% | -306.1% | +367.3% | +194.3% | -156.8% | -56.8% |
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -4.1% | 0.5% | 3.2% | 0.8% | 0.4% | -1.9% | -0.7% | -1.9% | -2.2% | 1.7% | 1.7% | -1.4% | 1.0% |
| — | +127.6% | +573.0% | +141.7% | +118.5% | -211.3% | -140.1% | -35.9% | -306.9% | +363.3% | +217.7% | -165.9% | -44.8% | |
| ROA | -1.1% | 0.1% | 0.8% | 0.2% | 0.1% | -0.5% | -0.2% | -0.5% | -0.6% | 0.5% | 0.5% | -0.4% | 0.3% |
| — | +126.0% | +545.6% | +138.4% | +117.6% | -207.9% | -137.9% | -33.3% | -308.6% | +358.9% | +207.8% | -154.9% | -56.5% | |
| ROIC | -3.6% | 0.5% | 3.1% | 0.8% | 0.4% | -1.5% | -0.5% | -1.1% | -2.0% | 1.4% | 1.4% | -1.2% | 0.9% |
| — | +135.4% | +682.3% | +171.5% | +118.0% | -209.9% | -139.4% | +8.6% | -320.0% | +336.3% | +217.3% | -159.7% | -43.3% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Atlantic American Corporation's Debt/EBITDA ratio is 43.6x, up from 8.7x last quarter — elevated, raising questions about debt serviceability. Debt/Equity has declined for 4 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.38 | 0.34 | 0.36 | 0.37 | 0.38 | 0.36 | 0.38 | 0.37 | 0.34 | 0.37 | 0.36 | 0.35 | 0.35 |
| — | -3.4% | -5.2% | +0.4% | +10.6% | -4.1% | +5.7% | +4.4% | -2.0% | +4.9% | +11.5% | +31.9% | +46.5% | |
| Debt / EBITDA | — | 43.60 | 8.74 | 33.96 | 61.50 | — | — | — | — | 15.97 | 15.40 | — | 22.75 |
| — | — | — | — | — | — | — | — | — | — | — | — | +145.4% | |
| Current Ratio | 8.84 | 0.23 | — | — | 8.84 | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Quick Ratio | 8.84 | 0.23 | — | — | 8.84 | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Interest Coverage | -0.54 | 1.99 | 6.45 | 2.34 | 1.66 | -1.82 | 0.02 | -1.93 | -2.60 | 3.52 | 3.75 | -1.42 | 3.06 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 46 years · Updated daily
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Quick answers to the most common questions about buying AAME stock.
Atlantic American Corporation's current P/E is -8.1x. The average P/E over the last 4 quarters is 17.0x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Atlantic American Corporation's current operating margin is -2.8%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Atlantic American Corporation's business trajectory between earnings reports.