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Atlantic American (AAME) earnings and revenue breakdown
Latest: Q4 2025 · 10-K filed Oct 16, 2026 · Atlantic American (AAME) Q4 2025 earnings results →
Q4 2025 Revenue up 5% year over year to $51.3M · 3¢ of every $1 of revenue kept as net profit · operating margin 3.3%
Atlantic American made $51.3M in Q4 2025 (+5% Y/Y). Operating margin 3.3%, net earnings $1.3M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-K filed Oct 16, 2026.
Drawing the Sankey…
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What changed this quarter
Revenue was $51.3M in Q4 2025, up 5% year over year and down 5% from the previous quarter.
Operating profit was $1.7M, a 3.3% margin (down 5.2 points year over year). Operating profit fell $2.5M even though revenue rose $2.4M versus Q4 2024, so costs grew faster than sales. Total costs grew 11% against revenue growth of 5%. Net earnings were $1.3M, down 60% year over year. The effective tax rate was 22.3%.
Operating cash flow was $17.7M (up 84% year over year), 1337% of net earnings. Non-cash charges added back $161K of depreciation and amortization. Working capital and other items added $16.2M. Capital expenditures of $1K left free cash flow of $17.7M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q4 2025 | 10-K | Oct 16, 2026 | $51.3M | +5% | 3.3% | $1.3M | $17.7M |
| Q3 2025 | 10-Q | Nov 14, 2025 | $53.8M | +21% | 1.4% | $577K | $6.6M |
| Q2 2025 | 10-Q | Aug 12, 2025 | $55.3M | +16% | 7.6% | $3.3M | $9.3M |
| Q1 2025 | 10-Q | May 13, 2025 | $50.1M | +7% | 2.1% | $802K | −$722K |
| Q4 2024 | 10-K | Mar 25, 2025 | $48.9M | +5% | 8.6% | $3.3M | $9.6M |
| Q3 2024 | 10-Q | Nov 12, 2024 | $44.5M | -0.2% | -5.5% | −$2.0M | $90K |
| Q2 2024 | 10-Q | Aug 14, 2024 | $47.7M | -3% | -1.8% | −$684K | $416K |
Charts
Interactive views
The same charts as the app — open one to draw it.
💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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Atlantic American against its Life Insurance peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +5% against the peers' median +8%. Operating margin: 3.3% against the peers' median 8.9%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| AAME Atlantic American | Q4 2025 | $51.3M | +5% | 3.3% |
| MET Metlife | Q3 2026 | $20.5B | +18% | 8.9% |
| PRU Prudential Financial | Q3 2026 | $14.4B | -19% | 11.4% |
| Metropolitan Life Insurance | Q2 2026 | $9.6B | +2% | 6.0% |
| RGA Reinsurance Group of America | Q3 2026 | $7.5B | +22% | 8.3% |
| CRBG Corebridge Financial | Q3 2026 | $6.2B | +14% | 37.7% |
| LNC Lincoln National | Q3 2026 | $5.5B | +20% | 31.7% |
| Lincoln National Life Insurance | Q2 2026 | $4.3B | +8% | 25.2% |
| ATH-PA Athene Holding | Q3 2026 | $3.1B | -62% | -56.7% |
Source: Atlantic American 10-K on SEC EDGAR · CIK 8177 · Life Insurance
13F: who owns AAME and who is buying
More on AAME
History
Every quarter: Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results · Q4 2024 results · Q3 2024 results · Q2 2024 results