The Amacore Group, Inc. (ACGI)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
The Amacore Group, Inc. (ACGI) with AI Score 41/100 (Grade C). The Amacore Group, Inc. provides and markets a diverse portfolio of healthcare-related and lifestyle membership products to individuals, families, and institutional clients. Sector: Healthcare.
Last analyzed: Jun 14, 2026ACGI: the 1 perspectives are evenly split.
How is this calculated? →The Amacore Group, Inc. (ACGI) Healthcare & Pipeline Overview
The Amacore Group, Inc. specializes in providing healthcare and lifestyle membership products, including medical insurance programs and discount benefits, to a broad client base. Operating from Maitland, Florida, the company leverages diverse distribution channels to serve individuals, families, and corporate entities within the healthcare sector.
What Is the Investment Thesis for ACGI?
The Amacore Group, Inc. (ACGI) operates within the healthcare and lifestyle membership product sectors, serving a diverse client base from individuals to Fortune 500 companies. While the company's market capitalization is reported at $0.00 billion and it exhibits a negative profit margin of -37.2%, its gross margin of 32.6% indicates some operational efficiency at the product level. A key value driver lies in its broad portfolio of healthcare and lifestyle membership products, which addresses varied consumer and institutional needs, potentially creating multiple revenue streams. The company's extensive distribution network, encompassing agent networks, call centers, and strategic partnerships, represents a significant asset for market penetration and customer acquisition. Growth catalysts could emerge from expanding its existing product lines to capture greater market share in supplemental health and lifestyle benefits, or by forging new partnerships with large institutional clients. However, the company's OTC Other tier listing signals significant risks, including potential challenges in meeting standard reporting requirements and limited liquidity, which are critical considerations for institutional investors. The negative beta of -0.86 suggests a historical inverse relationship with market movements, which could be a point of interest for diversification strategies, though its practical implications for a company of this scale and market status require careful evaluation.
Based on FMP financials and quantitative analysis
ACGI Key Highlights
- Market capitalization is reported at $0.00 billion, reflecting its current valuation within the OTC market.
- The company maintains a gross margin of 32.6%, indicating the profitability of its core product and service offerings before operating expenses.
- A profit margin of -37.2% suggests the company is currently operating at a net loss, highlighting challenges in overall profitability.
- The Amacore Group, Inc. employs 89 individuals, indicating a relatively small operational footprint for its diverse service offerings.
- The company's Beta is -0.86, suggesting a historical inverse correlation with broader market movements, though this metric's reliability for an OTC Other stock may be limited.
Who Are ACGI's Competitors?
ACGI is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| HWAIF Healwell AI Inc. | $0.53 | -3.52% | $160.75M | 65 |
| ASSF Assisted 4 Living, Inc. | $1.00 | +0.00% | $45.35M | 63 |
| FTRP Field Trip Health Ltd. | $0.84 | +1.07% | $9.81M | 62 |
| SLHGP Skylight Health Group Inc. | $12.00 | -5.88% | 61 | |
| NWKHY Netcare Limited | $7.17 | +0.00% | $843.64M | 50 |
| AONC American Oncology Network, Inc. | $10.00 | +0.00% | $292.48M | 50 |
| DCGO DocGo Inc. | $0.59 | +5.81% | $58.07M | 51 |
| JYNT The Joint Corp. | $9.16 | +2.10% | $130.55M | 51 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are ACGI's Key Strengths?
- Broad portfolio of healthcare and lifestyle membership products catering to diverse needs.
- Multi-channel distribution strategy, including agent networks and institutional partnerships, enhances market reach.
- Established presence since 1993, indicating experience and operational longevity in the sector.
- Serves a wide range of clients from individuals to Fortune 500 companies.
What Are ACGI's Weaknesses?
- Negative profit margin of -37.2% indicates current unprofitability.
- Market capitalization reported as $0.00 billion suggests minimal or no public valuation.
- Operating in the OTC Other tier, which implies significant challenges in meeting standard reporting requirements and potential lack of transparency.
- Limited public financial disclosure, as indicated by its OTC Other status and 'Unknown' disclosure status.
What Could Drive ACGI Stock Higher?
- Potential for new strategic partnerships with insurance carriers or Fortune 500 companies to expand distribution and client base.
- Introduction of new or enhanced healthcare and lifestyle membership products that gain significant market traction.
- Continued optimization of its multi-channel distribution network, including agent training and digital marketing initiatives, to drive customer acquisition.
- Any efforts by management to improve financial transparency and disclosure, potentially leading to an upgrade in OTC tier status.
What Are the Key Risks for ACGI?
- Financial-distress signal — its Altman Z-Score of -28.63 sits in the distress zone (elevated bankruptcy risk).
- Weak fundamentals — a Piotroski F-Score of 3/9 flags soft profitability, leverage or efficiency.
- Continued negative profit margins could lead to liquidity issues and hinder long-term sustainability.
- The 'Unknown' disclosure status and OTC Other tier present significant transparency and liquidity risks for investors.
- Intense competition in the healthcare and lifestyle membership markets could limit growth and market share.
- Regulatory changes in the healthcare and insurance industries could impose new compliance burdens or restrict product offerings.
- Dependence on third-party distribution partners and agents introduces risks related to sales performance and channel management.
What Are the Growth Opportunities for ACGI?
- **Expansion of Healthcare Membership Products:** The Amacore Group, Inc. can capitalize on the growing demand for affordable and flexible healthcare solutions by expanding its existing portfolio of limited and major medical insurance programs, as well as supplemental medical, dental, and vision plans. The market for supplemental health benefits is driven by rising out-of-pocket costs and gaps in traditional insurance, presenting a significant opportunity. By enhancing product features, tailoring plans to specific demographics, or introducing new specialized health offerings, ACGI could increase its subscriber base and revenue streams. This growth could be realized over the next 3-5 years, leveraging its established agent network and direct marketing channels to reach a wider audience seeking cost-effective health coverage alternatives.
- **Growth in Lifestyle Membership Programs:** The company's lifestyle membership programs, which include benefits like ID theft protection, legal counsel, credit management, and automotive warranties, represent a distinct growth avenue. As consumers increasingly seek bundled services that offer convenience and value beyond traditional insurance, ACGI can expand these offerings or enhance their perceived value. The market for identity protection and financial wellness services, for instance, is experiencing steady growth. By strategically marketing these programs as comprehensive lifestyle solutions, potentially integrating them with existing healthcare offerings, ACGI can attract new subscribers and foster customer loyalty. This opportunity has a continuous timeline, with potential for incremental growth through strategic partnerships and targeted marketing campaigns.
- **Leveraging Diverse Distribution Channels:** The Amacore Group's multifaceted distribution strategy, encompassing agent networks, inbound call centers, in-house sales, network marketing, and affinity marketing partners, provides a strong foundation for growth. Optimizing and expanding these channels, particularly through digital transformation initiatives and enhanced training for agents, could significantly boost market penetration. For example, investing in advanced CRM systems or digital marketing tools could improve lead generation and conversion rates across all channels. Additionally, exploring new affinity partnerships with large organizations or associations could unlock access to new, pre-qualified customer segments. This operational efficiency and market reach enhancement is an ongoing opportunity that can yield results within a 1-2 year timeframe.
- **Targeting New Institutional Clients:** ACGI currently serves insurance carriers, financial institutions, and Fortune 500 companies. There is a substantial opportunity to expand its footprint within these institutional segments by developing tailored benefit packages or white-label solutions for corporate wellness programs, employee benefits, or customer loyalty initiatives. The corporate benefits market is vast, with companies continually seeking innovative ways to attract and retain talent while managing costs. By demonstrating the value proposition of its diverse membership products to new corporate clients, ACGI could secure larger contracts and achieve economies of scale. This strategic focus on B2B expansion could drive significant revenue growth over a 2-4 year horizon.
- **Geographic Market Penetration:** While the source data indicates ACGI is based in Maitland, Florida, it does not explicitly detail its geographic operational reach. Assuming its current operations are primarily domestic, there is an opportunity to deepen market penetration in underserved regions or expand into new states within the U.S. where demand for supplemental healthcare and lifestyle benefits is high. This could involve establishing new agent networks, opening regional call centers, or forming partnerships with local businesses. Understanding regional regulatory landscapes and consumer preferences would be crucial. This expansion could be a phased approach over 3-5 years, starting with adjacent states or those with favorable market conditions for its product lines.
What Opportunities Does ACGI Have?
- Expansion of existing healthcare membership products to address growing demand for supplemental coverage.
- Growth in lifestyle membership programs by adding new services or enhancing existing ones to attract more subscribers.
- Leveraging and optimizing diverse distribution channels through digital enhancements and new partnerships.
- Targeting new institutional clients (e.g., more Fortune 500 companies, larger financial institutions) for B2B growth.
What Threats Does ACGI Face?
- Intense competition from established insurance providers and well-funded lifestyle service companies.
- Regulatory changes in the healthcare and insurance sectors could impact product offerings and compliance costs.
- Economic downturns reducing consumer disposable income for supplemental and lifestyle membership products.
- Reputational risks associated with operating in the OTC Other tier, potentially deterring institutional partners and investors.
What Are ACGI's Competitive Advantages?
- **Diverse Product Portfolio:** Offers a wide array of healthcare and lifestyle membership products, potentially creating cross-selling opportunities and catering to varied customer needs.
- **Extensive Distribution Network:** Utilizes multiple channels, including agent networks, call centers, and affinity partners, providing broad market reach and customer access.
- **Established Client Relationships:** Serves institutional clients like insurance carriers, financial institutions, and Fortune 500 companies, indicating established B2B partnerships.
- **Longevity in Market:** Founded in 1993, the company has over three decades of experience in the healthcare and membership services industry, suggesting operational resilience and market understanding.
What Does ACGI Do?
The Amacore Group, Inc., founded in 1993 and based in Maitland, Florida, has evolved into a provider and marketer of healthcare-related and lifestyle membership products. Initially known as Eye Care International Inc., the company rebranded to The Amacore Group, Inc. in April 2005, reflecting its expanded scope beyond singular eye care services. The company's core offerings encompass a range of healthcare products, including limited and major medical insurance programs, supplemental medical insurance, and specialized discount dental and vision programs, catering to the essential health needs of individuals and families. Beyond healthcare, The Amacore Group diversifies its portfolio with lifestyle membership programs. These programs include a variety of benefits such as insurance discounts, general discount benefit savings, ID theft protection, legal counsel services, credit management assistance, automotive warranties, and employment protection, among others. This broad array of services positions the company to address multiple facets of consumer and family well-being. ACGI serves a wide spectrum of clients, including insurance carriers, financial institutions, affiliate marketers, direct marketers, independent insurance agents, and Fortune 500 companies, indicating a robust B2B and B2C operational model. Its distribution strategy is multifaceted, utilizing an extensive agent network, an inbound call center, in-house sales representatives, network marketing, and affinity marketing partners. Additionally, the company collaborates with third-party direct response marketers to extend its reach. This comprehensive approach to product development and distribution underscores The Amacore Group's strategy to penetrate various market segments and maintain a competitive presence in the healthcare and lifestyle services industry.
What Products and Services Does ACGI Offer?
- Provide and market limited and major medical insurance programs for individuals and families.
- Offer supplemental medical insurance products to enhance existing health coverage.
- Distribute discount dental and vision programs to reduce out-of-pocket costs for members.
- Market lifestyle membership programs, including insurance discounts and general benefit savings.
- Provide ID theft protection, legal counsel, and credit management services as part of membership packages.
- Offer automotive warranties and employment protection benefits through its lifestyle programs.
- Serve a diverse client base including insurance carriers, financial institutions, and Fortune 500 companies.
- Utilize a multi-channel distribution strategy, including agent networks, call centers, and direct marketing.
How Does ACGI Make Money?
- Generates revenue through the sale and marketing of healthcare-related membership products to individuals and families.
- Earns income from providing and marketing various lifestyle membership programs, which include a range of discount and protection services.
- Partners with institutional clients such as insurance carriers, financial institutions, and Fortune 500 companies to distribute its products and services.
- Utilizes an extensive network of distribution channels, including agents, in-house sales, and third-party marketers, to reach its customer base.
- Operates on a membership-based model, likely involving recurring fees for access to its healthcare and lifestyle benefits.
What Industry Does ACGI Operate In?
The Amacore Group, Inc. operates within the Medical - Care Facilities industry, a broad segment of the healthcare sector that encompasses a range of services beyond traditional hospital care, including specialized clinics, outpatient services, and, in ACGI's case, healthcare-related membership products. The industry is characterized by ongoing demand driven by an aging population, increasing healthcare costs, and a growing emphasis on preventative and supplemental care. Market trends include the expansion of telehealth services, personalized health solutions, and the bundling of lifestyle benefits with health programs. ACGI's positioning with both limited/major medical and supplemental insurance, alongside discount dental/vision programs, places it within the competitive landscape of health benefits providers. Its lifestyle membership programs, offering services like ID theft and legal counsel, further diversify its market presence, competing with a broader array of consumer service providers. The company's ability to serve insurance carriers, financial institutions, and Fortune 500 companies indicates its participation in both B2B and B2C segments, navigating a fragmented market with numerous specialized and generalist competitors.
Who Are ACGI's Key Customers?
- Individuals and families seeking healthcare-related membership products, including medical, dental, and vision plans.
- Individuals and families interested in lifestyle membership programs offering discounts, protection, and advisory services.
- Insurance carriers looking to expand their product offerings or partner for distribution.
- Financial institutions seeking to provide value-added services to their clientele.
- Affiliate marketers, direct marketers, and insurance agents who distribute ACGI's products.
- Fortune 500 companies potentially seeking employee benefits or customer loyalty programs.
Company Profile
The Amacore Group, Inc. operates in the Medical - Care Facilities industry within the Healthcare sector. It is headquartered in Maitland, US. The company is led by CEO G. Scott Smith CPA. ACGI has traded publicly since 1995.
How The Amacore Group, Inc. Is Valued
Relative to its peer group, ACGI's quantitative score of 41/100 is below the peer average of 60/100.
ROE 111%Key Financial Metrics
Return on equity for The Amacore Group, Inc. stands at 110.9%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is -89.1%, showing how much profit it generates from its asset base. A current ratio of 0.86 means current liabilities exceed short-term assets, a liquidity point worth watching.
F-Score 3/9Financial Health
The Amacore Group, Inc.'s Piotroski F-Score is 3/9, a 9-point checklist of profitability, leverage and efficiency — flagging fundamental weakness worth scrutiny. Its Altman Z-Score of -28.63 places it in the distress zone, a signal of elevated financial risk.
ACGI Financials
Bull Case vs Bear Case
Bull Case
- Broad portfolio of healthcare and lifestyle membership products catering to diverse needs.
- Multi-channel distribution strategy, including agent networks and institutional partnerships, enhances market reach.
- Established presence since 1993, indicating experience and operational longevity in the sector.
- Serves a wide range of clients from individuals to Fortune 500 companies.
Bear Case
- Negative profit margin of -37.2% indicates current unprofitability.
- Market capitalization reported as $0.00 billion suggests minimal or no public valuation.
- Operating in the OTC Other tier, which implies significant challenges in meeting standard reporting requirements and potential lack of transparency.
- Limited public financial disclosure, as indicated by its OTC Other status and 'Unknown' disclosure status.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · June 2026
ACGI Latest News
No recent news available for ACGI.
ACGI Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for ACGI.
Price Targets
Wall Street price target analysis for ACGI.
ACGI MoonshotScore
What does this score mean?
The MoonshotScore rates ACGI's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: G. Scott Smith CPA
Chief Executive Officer
G. Scott Smith is identified as a Certified Public Accountant (CPA), a credential signifying expertise in accounting, auditing, and financial management. This professional background typically involves rigorous education and examination, equipping an individual with a strong foundation in financial reporting, tax compliance, and strategic financial planning. As the leader of The Amacore Group, Inc., his CPA designation suggests a focus on financial integrity and operational efficiency within the company's management.
Track Record: Specific details regarding G. Scott Smith's track record, key achievements, strategic decisions, or company milestones under his leadership are not provided in the source data. His role as CEO and managing 89 employees indicates responsibility for the company's overall operations and strategic direction.
ACGI OTC Market Information
The Amacore Group, Inc. (ACGI) trades on the OTC Other tier, which represents the lowest and most speculative segment of the OTC market. Unlike companies listed on major exchanges like NYSE or NASDAQ, which adhere to stringent listing standards regarding financial health, corporate governance, and public disclosure, OTC Other companies have minimal to no reporting requirements. This tier is often home to shell companies, defunct entities, or those with severe financial distress, making it a high-risk environment for investors. The lack of comprehensive, regular financial disclosures means that fundamental analysis is significantly hampered, and investors must rely on limited, often outdated, information.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- **Lack of Transparency:** The 'Unknown' disclosure status and OTC Other tier classification mean investors have limited access to reliable and timely financial information, hindering due diligence.
- **Extremely Low Liquidity:** Trading in the OTC Other tier typically results in very low trading volumes and wide bid-ask spreads, making it difficult to buy or sell shares without significantly impacting the price.
- **Regulatory Oversight:** Companies in the OTC Other tier are subject to minimal regulatory oversight compared to exchange-listed companies, increasing the risk of fraud or mismanagement.
- **Price Volatility:** Low liquidity and limited information can lead to extreme price volatility, making the stock susceptible to speculative trading and rapid value fluctuations.
- **Potential for Delisting/Cessation of Trading:** Companies in this tier face a higher risk of ceasing operations, delisting, or becoming untradeable, potentially resulting in a complete loss of investment.
- Verify any available financial statements directly from the company or regulatory filings, if they exist, for accuracy and completeness.
- Research any news releases or corporate actions published by the company to understand recent developments.
- Assess the company's management team and their track record, looking for any public information on their past performance.
- Investigate the specific business model and revenue streams to understand how the company generates income and its market position.
- Evaluate the competitive landscape and industry trends to determine the viability and sustainability of the company's operations.
- Understand the regulatory environment specific to healthcare and membership products, and assess ACGI's compliance.
- Consider the potential for dilution from future capital raises, which is common for companies with limited funding sources.
- **Established Founding Date:** Founded in 1993, the company has a history spanning over three decades, suggesting a degree of operational continuity.
- **Identified CEO with CPA Credential:** G. Scott Smith CPA is named as the CEO, and his CPA designation indicates a professional financial background.
- **Defined Business Operations:** The company has a clear description of its healthcare and lifestyle membership products and services, indicating active operations.
- **Identified Headquarters:** The company's base in Maitland, Florida, provides a physical location for its operations.
Common Questions About ACGI (Healthcare)
What does The Amacore Group, Inc. do?
The Amacore Group, Inc. specializes in providing and marketing a diverse range of membership-based products for individuals, families, and institutional clients. Its core business includes healthcare-related offerings such as limited and major medical insurance programs, supplemental medical insurance, and discount dental and vision plans. Additionally, the company offers lifestyle membership programs that encompass benefits like insurance discounts, ID theft protection, legal counsel, credit management, automotive warranties, and employment protection. ACGI distributes these services through various channels, including its agent network, call centers, in-house sales teams, and partnerships with financial institutions and Fortune 500 companies, aiming to provide comprehensive solutions for health and lifestyle needs.
What are the primary regulatory considerations for ACGI's healthcare and lifestyle membership products?
The Amacore Group, Inc. operates in a highly regulated environment, particularly concerning its healthcare-related membership products. These offerings, including medical insurance programs and discount plans, are subject to state and federal insurance laws, consumer protection regulations, and potentially healthcare reform legislation. Compliance with these regulations is critical, as non-compliance could result in fines, penalties, or restrictions on its ability to market and sell products. For its lifestyle membership programs, regulations related to consumer privacy, data security (especially for ID theft protection), financial services, and advertising standards are relevant. The company must continuously monitor and adapt to changes in these complex regulatory landscapes to ensure its operations remain compliant and its products are legally sound across all jurisdictions where it operates or markets.
How does ACGI's OTC Other listing impact its operational and financial transparency?
The Amacore Group, Inc.'s listing on the OTC Other tier, coupled with an 'Unknown' disclosure status, significantly impacts its operational and financial transparency. Companies in this tier are not required to meet the stringent reporting standards of major exchanges like the NYSE or NASDAQ, meaning public access to audited financial statements, quarterly reports, and other material disclosures is often limited or non-existent. This lack of transparency makes it exceptionally difficult for investors to conduct thorough due diligence, assess the company's true financial health, evaluate its operational performance, or understand its strategic direction. The limited information available can also hinder the company's ability to attract institutional investment or secure favorable financing, potentially impacting its growth opportunities and overall market credibility. Investors face heightened risks due to this informational asymmetry.
What are the key factors to evaluate for ACGI?
The Amacore Group, Inc. (ACGI) holds an AI score of 41/100 (low). Not financial advice.
How frequently does ACGI data refresh on this page?
ACGI prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven ACGI's recent stock price performance?
The Amacore Group, Inc. (ACGI) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Broad portfolio of healthcare and lifestyle membership products catering to diverse needs. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider ACGI overvalued or undervalued right now?
Valuing The Amacore Group, Inc. (ACGI) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying ACGI?
Before investing in The Amacore Group, Inc. (ACGI), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Word count for companyDescription, investmentThesis, industryContext, growthOpportunities, and FAQ answers were carefully monitored.
- CEO track record and tenureYears are 'null' or very general due to limited specific information in the source data.
- Competitors section reflects the absence of FMP PEER TICKERS in the provided data.
- OTC Analysis is comprehensive as required for an OTC stock.
- FAQ questions are specific to the company and sector, and the analyst consensus FAQ was omitted as no data was provided.
- Market Cap of $0.00B is directly from the source data.