OTC · Insurance - Reinsurance

American Overseas Group Limited (AOREF) Stock

$1000.00 +0.00% OTC: AOREF Financial Services

American Overseas Group Limited, an entity incorporated in 1998 and headquartered in Hamilton, Bermuda, offers property and casualty insurance along with reinsurance services through its various subsidiaries. Its operational footprint extends across Bermuda, Barbados, and the United States.

Valuation

MetricValue
Price$1000.00
Market Cap$46.98M
P/E Ratio4.77
P/B Ratio0.76
P/S Ratio0.64
EPS (TTM)$209.64
52-Week High$1500.00
52-Week Low$875.00
Dividend Yield0.00%

Financials & Margins

MetricValue
ROE17.12%
ROA1.00%
ROCE1.36%
Gross Margin71.72%
Operating Margin18.07%
Net Margin13.36%
Debt/Equity0.23
Current Ratio0.00

Annual Financials (USD)

Metric20212022202320242025
Revenue$33.0M$33.0M$50.0M$75.0M$75.0M
Operating Profit$-3.0M$1.0M$37.0M$14.0M$14.0M
Net Profit$-5.0M$-1.0M$5.0M$9.0M$11.0M
EPS$-117.08$-31.42$113.55$200.09$230.44
Op Margin-9.3%2.6%75.5%19.2%18.6%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$495.0M$531.0M$985.0M$873.0M$960.0M
Total Liabilities$452.0M$496.0M$949.0M$828.0M$901.0M
Cash$36.0M$36.0M$57.0M$51.0M$46.0M
Borrowings$17.0M$20.0M$21.0M$21.0M$18.0M

Latest News

Results of Operations for the Three Months Ended March 31, 2026 - American Overseas Group Limited Announces Net Income Of $3.3 Million For the Three Months Ended March 31, 2026 GlobeNewswire · Jun 29, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$17.0M$3.0M$36.0M$6.0M$14.0M
Investing Cash Flow$-9.0M$-8.0M$-28.0M$-10.0M$-15.0M
Financing Cash Flow$-2.0M$-3.0M$-8.0M$-2.0M$0
Net Cash Flow$12.0M$0$22.0M$-6.0M$-5.0M
Free Cash Flow$17.0M$3.0M$38.0M$6.0M$14.0M

Valuation & Return Ratios

MetricValue
PEG Ratio-0.41
EV / EBITDA0.52
FCF Yield43.40%
Quick Ratio0.00
Interest Coverage6.62
Return 1Y14.94%
Return 3Y400.00%
Return 5Y562.21%

Ownership

Insiders Held0.00%
Institutions Held0.01%
Institutions Float Held0.01%
Institutional HolderSharesReport Date
Douglass Winthrop Advisors LLC2402026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
BBXIABBX Capital, Inc. $3.78 +0.00% -1.21 $52.28M 0.00%
BSFOBank of San Francisco $43.59 +0.00% 11.94 $95.29M 0.00%
CIWVCitizens Financial Corp. $48.99 +1.96% 7.20 $83.25M 2.45%
FBTTFirst Bankers Trustshares, Inc. $28.50 +7.55% 11.78 $85.68M 3.23%
GBCHFMetaverse Capital Corp. $0.00 — 0.00 $7747 0.00%

About American Overseas Group Limited

American Overseas Group Limited, an entity incorporated in 1998 and headquartered in Hamilton, Bermuda, offers property and casualty insurance along with reinsurance services through its various subsidiaries. Its operational footprint extends across Bermuda, Barbados, and the United States. A key offering includes non-standard automobile insurance products, which are distributed primarily via specialized managing general agents and associated management services. The company began trading under its current name in December 2011, having previously been known as RAM Holdings Ltd.

American Overseas Group Limited is headquartered in BM.

American Overseas Group Limited (AOREF) stock trades at $1000.00 with a market capitalization of $46.98M. The stock is valued at a price-to-earnings (P/E) ratio of 4.77, price-to-book of 0.76, price-to-sales of 0.64. Over the past 52 weeks the stock has ranged between $875.00 and $1500.00, and currently trades 33.3% below its 52-week high.

On profitability, American Overseas Group Limited generates a return on equity (ROE) of 17.12%, above the typical market average, return on capital employed of 1.36%, an operating margin of 18.07%, a net profit margin of 13.36%.

Official website: www.aoreltd.com

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