On the stock market since 2014, it operates in the world of money and finance. It has 383 employees. Now — the numbers.
This is an established company with proven profits.
No real growth (3% a year).
Executive selling isn’t always bad news; people sell for personal reasons too. Still, the thin buying side is worth noting.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Profit power and business quality lead the class.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
Clearly below the class average.
Sales are growing strongly for its sector.
The stock has been running stronger than the market lately.
Valuation: The stock trades at a price that looks expensive next to its earnings; that can cap future returns.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.
Over the last 3 years, sales grew about 13% a year on average.
It met or beat analyst expectations in 7 of the last 8 quarters — consistency is a promise kept.
It pays out $0.13 per share each year — regular cash for whoever holds the stock.
The stock trades 12% above the average analyst price target.
Today’s price already includes part of tomorrow’s optimism. Report-card grade: 17/100.
The balance sheet offers little cushion against a rough stretch. Report-card grade: 25/100.
On our five-subject report card, AAMI sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”
The takeaway: AAMI is an established business that has proven its profits for years. The real debate isn’t the quality of the business — it’s whether the price paid for the stock is too high.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.