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AAME vs BENF

AAME
Atlantic American Corporation
NEUTRAL
Price
$2.77
Market Cap
$56.5M
Sector
Financial Services
AI Confidence
65%
BENF
Beneficient
BEARISH
Price
$4.35
Market Cap
$60.6M
Sector
Financial Services
AI Confidence
95%

Valuation

P/E Ratio
AAME
12.04
BENF
--
Forward P/E
AAME
--
BENF
0.72
P/B Ratio
AAME
0.52
BENF
-0.02
P/S Ratio
AAME
0.27
BENF
-1.44
EV/EBITDA
AAME
6.44
BENF
-3.78

Profitability

Gross Margin
AAME
12.51%
BENF
0.0%
Operating Margin
AAME
2.88%
BENF
469.27%
Profit Margin
AAME
2.45%
BENF
0.0%
ROE
AAME
4.75%
BENF
-551.08%
ROA
AAME
1.49%
BENF
-15.85%

Growth

Revenue Growth
AAME
20.8%
BENF
--
Earnings Growth
AAME
--
BENF
--

Financial Health

Debt/Equity
AAME
0.39
BENF
--
Current Ratio
AAME
1.5
BENF
0.02
Quick Ratio
AAME
1.16
BENF
0.02

Dividends

Dividend Yield
AAME
0.72%
BENF
--
Payout Ratio
AAME
8.7%
BENF
0.0%

AI Verdict

AAME NEUTRAL

AAME's Piotroski F-Score of 4/9 indicates weak financial health, signaling potential operational inefficiencies and limited profitability sustainability. The absence of an Altman Z-Score raises concern about default risk, particularly given the company's small size and high leverage relative to peers. While the stock trades at a significant discount to its Graham Number ($5.27) and intrinsic value ($1.61), suggesting undervaluation, this is offset by stagnant earnings growth, poor technical momentum, and lack of analyst coverage. The 20.8% revenue growth is encouraging but unconfirmed by earnings data, and the 1Y return of +100.9% may reflect speculative momentum rather than fundamentals.

Strengths
Trading at a deep discount to Graham Number ($5.27) and intrinsic value ($1.61), indicating potential undervaluation
Strong revenue growth of 20.8% YoY, suggesting top-line expansion
Low Price/Book (0.52) and Price/Sales (0.27) ratios, indicating market discount
Risks
Piotroski F-Score of 4/9 indicates weak financial health and operational inefficiencies
No Altman Z-Score available; potential distress risk due to small size and lack of financial resilience
No analyst coverage or target price, indicating low institutional interest and information opacity
BENF BEARISH

The company exhibits severe financial distress with a Piotroski F-Score of just 1/9, indicating very weak fundamental health. Negative profitability metrics, including a Price/Book of -0.02 and ROE of -551.08%, reflect deep structural issues. Despite a bullish analyst target price of $16.00, the stock's operational instability, extreme earnings volatility, and lack of reliable financial data undermine any valuation confidence. The technical trend is bearish, and recent price swings suggest speculative trading rather than fundamental recovery.

Strengths
Analyst target price implies significant upside potential ($16.00 vs current $4.35)
Operating margin at 469.27% suggests possible cost leverage in core operations (though likely an anomaly)
Recent 6-month price return of +44.6% indicates short-term speculative interest
Risks
Piotroski F-Score of 1/9 signals critical financial weakness and high risk of continued deterioration
Current and Quick Ratios of 0.02 indicate near-insolvency and inability to meet short-term obligations
ROE of -551.08% and ROA of -15.85% reflect severe capital destruction

Compare Another Pair

AAME vs BENF: Head-to-Head Comparison

This page compares Atlantic American Corporation (AAME) and Beneficient (BENF) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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