Atlantic American Corporation Posts Strong Q2 2025 Earnings Reversal

Atlantic American Corporation reported a significant financial turnaround in the second quarter (Q2) and first half (H1) of 2025, reversing losses from 2024 to post net income gains. For Q2 2025, the company posted a net income of $3.3 million, or $0.15 per diluted share, compared to a net loss of $0.7 million in Q2 2024. For the six months ended June 30, 2025, net income improved to $4.1 million, or $0.19 per diluted share, versus a net loss of $2.7 million in the previous year.

This positive shift is largely attributed to increased premium revenues across multiple insurance lines and unrealized gains on equity securities. Operating income also showed marked improvement, increasing by $2.7 million in Q2 2025 and $5.4 million in H1 2025 relative to the same periods in 2024. Growth was driven mainly by the inland marine segment of property and casualty insurance and by Medicare supplement plus group accident and health lines within the life and health insurance sectors. Chairman, President, and CEO Hilton H. Howell Jr. highlighted steady new business momentum and solid contract retention rates as key contributors to the company's performance. The company operates through several subsidiaries specializing in specialty markets including American Southern Insurance Company and Atlantic Capital Life Assurance Company. Atlantic American disclosed use of non-GAAP financial measures such as operating income to better reflect core operational performance excluding volatile items like investment gains and losses.

 The company also noted potential risk factors affecting future results, ranging from market conditions and regulatory changes to cybersecurity risks and natural or man-made catastrophe exposures. Overall, Atlantic American's results suggest improved financial stability and prospects for sustained growth in its diversified insurance operations.