Atlantic American
Financial ratios & Valuation

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
21.2126.2637.2717-69.43-103.383.4611.6731.28-81.66-4.17-69.43
Price/Sales ratio
0.560.690.590.420.260.200.210.250.250.070.160.20
Price/Book Value ratio
0.901.120.930.680.480.330.290.350.460.130.270.33
Price/Cash Flow ratio
21.1052.1674.6529.2210.96-22.084.6945.947.395.3221.3210.96
Price/Free Cash Flow ratio
288.2261.07106.7930.4111.69-21.274.8150.957.545.4924.7911.69
Price/Earnings Growth ratio
-0.34N/A-0.880.200.592.29-0.00-0.17-0.440.290.212.29
Dividend Yield
1.38%0.70%0.82%1.04%1.64%2.00%0.94%1.61%1.69%5.77%1.34%2.00%
Profitability Indicator Ratios
Gross Profit Margin
100%100%100%100%100%100%100%100%100%100%100%100%
Operating Profit Margin
2.94%3.43%2.12%3.90%0.57%-0.30%7.89%2.65%1.68%100%-0.38%-0.30%
Pretax Profit Margin
2.94%3.43%2.12%2.95%-0.52%-0.20%7.93%2.65%1.11%-0.30%-4.79%-0.20%
Net Profit Margin
2.66%2.64%1.58%2.50%-0.37%-0.19%6.22%2.14%0.81%-0.09%-3.71%-0.19%
Effective Tax Rate
9.66%23.12%25.19%15.45%27.49%5.15%21.50%19.25%27.24%69.73%22.47%22.47%
Return on Assets
1.39%1.39%0.82%1.31%-0.20%-0.10%3.00%1.06%0.41%-0.04%-1.78%-0.10%
Return On Equity
4.25%4.28%2.49%4.00%-0.69%-0.32%8.38%3.03%1.49%-0.15%-6.63%-0.32%
Return on Capital Employed
3.55%4.19%2.53%4.82%0.78%-0.18%4.35%1.54%0.86%59.52%-0.18%-0.18%
Liquidity Ratios
Current Ratio
0.090.080.070.120.060.050.69N/AN/AN/AN/A0.05
Quick Ratio
1.431.421.431.380.066.427.416.23162.720.41N/A6.42
Cash ratio
1.431.421.431.380.060.260.370.4114.360.41N/A0.26
Days of Sales Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Operating Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Debt Ratios
Debt Ratio
0.100.100.100.090.090.080.080.080.100.090.090.09
Debt Equity Ratio
0.320.320.310.290.330.280.230.230.360.340.350.33
Long-term Debt to Capitalization
0.240.240.240.220.240.220.180.190.250.250.240.24
Total Debt to Capitalization
0.240.240.240.220.240.220.180.190.260.250.260.24
Interest Coverage Ratio
3.053.992.25N/AN/AN/A9.62N/AN/AN/A-0.20N/A
Cash Flow to Debt Ratio
0.130.060.030.070.13-0.050.260.030.170.070.030.03
Company Equity Multiplier
3.043.063.013.033.393.182.792.843.593.553.653.39
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.020.010.000.010.02-0.000.040.000.030.010.000.00
Free Cash Flow / Operating Cash Flow Ratio
0.070.850.690.960.931.030.970.900.980.960.901.03
Cash Flow Coverage Ratio
0.130.060.030.070.13-0.050.260.030.170.070.030.03
Short Term Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/A3.21N/A0.33N/A
Dividend Payout Ratio
29.45%18.48%30.61%17.82%-114.48%-207.77%3.27%18.85%52.91%-471.92%-11.66%-114.48%