(AFG) American Financial - Overview
Sector: Financial ServicesIndustry: Insurance - Property & Casualty | Exchange NYSE (USA) | Currency USD | Market Cap: 10.368m | Total Return 5.1% in 12m
Stock: Property Insurance, Casualty Insurance, Financial Insurance
Total Rating 44
Risk 32
Buy Signal 0.12
| Risk 5d forecast | |
|---|---|
| Volatility | 20.6% |
| Relative Tail Risk | -1.13% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.15 |
| Alpha | -2.10 |
| Character TTM | |
|---|---|
| Beta | 0.438 |
| Beta Downside | 0.711 |
| Drawdowns 3y | |
|---|---|
| Max DD | 19.85% |
| CAGR/Max DD | 0.45 |
EPS (Earnings per Share)
Revenue
Description: AFG American Financial March 04, 2026
American Financial Group (AFG) is an insurance holding company specializing in property and casualty insurance within the United States. The company operates in the multi-line insurance sub-industry, a segment characterized by diverse product offerings across various risk categories.
AFGs product portfolio includes property and transportation insurance, covering areas like commercial vehicles and marine. It also provides specialty casualty insurance, which encompasses excess and surplus lines and professional liability. Additionally, AFG offers specialty financial insurance, including risk management for lenders and surety bonds. The company distributes its products through independent agents and brokers, a common distribution model in the insurance industry.
For more in-depth analysis of AFGs financial performance and market position, continue your research on ValueRay.
Headlines to watch out for
- Catastrophe losses impact property and casualty underwriting results
- Investment portfolio performance influences overall profitability
- Specialty insurance segment drives premium growth
- Interest rate changes affect investment income
- Regulatory changes could increase compliance costs
Piotroski VR‑10 (Strict, 0-10) 6.5
| Net Income: 842.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.04 > 0.02 and ΔFCF/TA -0.15 > 1.0 |
| NWC/Revenue: -252.6% < 20% (prev 3.95%; Δ -256.6% < -1%) |
| CFO/TA 0.05 > 3% & CFO 1.53b > Net Income 842.0m |
| Net Debt (309.0m) to EBITDA (1.24b): 0.25 < 3 |
| Current Ratio: 0.14 > 1.5 & < 3 |
| Outstanding Shares: last quarter (83.4m) vs 12m ago -0.71% < -2% |
| Gross Margin: 24.20% > 18% (prev 0.18%; Δ 2.40k% > 0.5%) |
| Asset Turnover: 28.24% > 50% (prev 33.10%; Δ -4.86% > 0%) |
| Interest Coverage Ratio: 14.41 > 6 (EBITDA TTM 1.24b / Interest Expense TTM 80.0m) |
Altman Z'' -3.40
| A: -0.63 (Total Current Assets 3.37b - Total Current Liabilities 23.93b) / Total Assets 32.64b |
| B: 0.10 (Retained Earnings 3.36b / Total Assets 32.64b) |
| C: 0.04 (EBIT TTM 1.15b / Avg Total Assets 28.82b) |
| D: 0.12 (Book Value of Equity 3.39b / Total Liabilities 27.82b) |
| Altman-Z'' Score: -3.40 = D |
Beneish M -3.21
| DSRI: 1.09 (Receivables 1.64b/1.53b, Revenue 8.14b/8.28b) |
| GMI: 0.74 (GM 24.20% / 17.79%) |
| AQI: 1.02 (AQ_t 0.89 / AQ_t-1 0.87) |
| SGI: 0.98 (Revenue 8.14b / 8.28b) |
| TATA: -0.02 (NI 842.0m - CFO 1.53b) / TA 32.64b) |
| Beneish M-Score: -3.21 (Cap -4..+1) = AA |
What is the price of AFG shares?
As of March 25, 2026, the stock is trading at USD 127.73 with a total of 378,635 shares traded.
Over the past week, the price has changed by -0.66%, over one month by -2.38%, over three months by -5.79% and over the past year by +5.11%.
Over the past week, the price has changed by -0.66%, over one month by -2.38%, over three months by -5.79% and over the past year by +5.11%.
Is AFG a buy, sell or hold?
American Financial has received a consensus analysts rating of 3.33.
Therefor, it is recommend to hold AFG.
- StrongBuy: 1
- Buy: 0
- Hold: 5
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the AFG price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 140.5 | 10% |
| Analysts Target Price | 140.5 | 10% |
AFG Fundamental Data Overview March 21, 2026
P/E Trailing = 12.3482
P/E Forward = 11.534
P/S = 1.3057
P/B = 2.1511
P/EG = 2.3015
Revenue TTM = 8.14b USD
EBIT TTM = 1.15b USD
EBITDA TTM = 1.24b USD
Long Term Debt = 1.82b USD (from longTermDebt, last quarter)
Short Term Debt = 39.0m USD (from shortTermDebt, last quarter)
Debt = 2.04b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 309.0m USD (from netDebt column, last quarter)
Enterprise Value = 10.68b USD (10.37b + Debt 2.04b - CCE 1.73b)
Interest Coverage Ratio = 14.41 (Ebit TTM 1.15b / Interest Expense TTM 80.0m)
EV/FCF = 7.33x (Enterprise Value 10.68b / FCF TTM 1.46b)
FCF Yield = 13.64% (FCF TTM 1.46b / Enterprise Value 10.68b)
FCF Margin = 17.89% (FCF TTM 1.46b / Revenue TTM 8.14b)
Net Margin = 10.34% (Net Income TTM 842.0m / Revenue TTM 8.14b)
Gross Margin = 24.20% ((Revenue TTM 8.14b - Cost of Revenue TTM 6.17b) / Revenue TTM)
Gross Margin QoQ = 48.57% (prev 15.58%)
Tobins Q-Ratio = 0.33 (Enterprise Value 10.68b / Total Assets 32.64b)
Interest Expense / Debt = 1.13% (Interest Expense 23.0m / Debt 2.04b)
Taxrate = 21.11% (80.0m / 379.0m)
NOPAT = 909.6m (EBIT 1.15b * (1 - 21.11%))
Current Ratio = 0.14 (Total Current Assets 3.37b / Total Current Liabilities 23.93b)
Debt / Equity = 0.42 (Debt 2.04b / totalStockholderEquity, last quarter 4.82b)
Debt / EBITDA = 0.25 (Net Debt 309.0m / EBITDA 1.24b)
Debt / FCF = 0.21 (Net Debt 309.0m / FCF TTM 1.46b)
Total Stockholder Equity = 4.61b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.92% (Net Income 842.0m / Total Assets 32.64b)
RoE = 18.25% (Net Income TTM 842.0m / Total Stockholder Equity 4.61b)
RoCE = 17.92% (EBIT 1.15b / Capital Employed (Equity 4.61b + L.T.Debt 1.82b))
RoIC = 14.52% (NOPAT 909.6m / Invested Capital 6.26b)
WACC = 6.43% (E(10.37b)/V(12.40b) * Re(7.52%) + D(2.04b)/V(12.40b) * Rd(1.13%) * (1-Tc(0.21)))
Discount Rate = 7.52% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.92%
Shares Correlation 3-Years: -33.33 | Cagr: -0.24%
[DCF] Terminal Value 85.74% ; FCFF base≈1.33b ; Y1≈1.49b ; Y5≈1.99b
[DCF] Fair Price = 608.6 (EV 51.00b - Net Debt 309.0m = Equity 50.69b / Shares 83.3m; r=6.43% [WACC]; 5y FCF grow 13.91% → 3.0% )
EPS Correlation: -21.35 | EPS CAGR: 0.67% | SUE: 2.03 | # QB: 2
Revenue Correlation: 67.24 | Revenue CAGR: 9.76% | SUE: 2.18 | # QB: 1
EPS next Quarter (2026-06-30): EPS=2.45 | Chg7d=+0.004 | Chg30d=-0.031 | Revisions Net=-3 | Analysts=5
EPS current Year (2026-12-31): EPS=11.09 | Chg7d=+0.000 | Chg30d=-0.262 | Revisions Net=-3 | Growth EPS=+7.8% | Growth Revenue=+3.3%
EPS next Year (2027-12-31): EPS=12.03 | Chg7d=+0.000 | Chg30d=-0.098 | Revisions Net=-2 | Growth EPS=+8.5% | Growth Revenue=+4.6%
[Analyst] Revisions Ratio: -0.60 (1 Up / 4 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -0.2% (Discount Rate 7.9% - Earnings Yield 8.1%)
[Growth] Growth Spread = +6.3% (Analyst 6.1% - Implied -0.2%)
P/E Forward = 11.534
P/S = 1.3057
P/B = 2.1511
P/EG = 2.3015
Revenue TTM = 8.14b USD
EBIT TTM = 1.15b USD
EBITDA TTM = 1.24b USD
Long Term Debt = 1.82b USD (from longTermDebt, last quarter)
Short Term Debt = 39.0m USD (from shortTermDebt, last quarter)
Debt = 2.04b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 309.0m USD (from netDebt column, last quarter)
Enterprise Value = 10.68b USD (10.37b + Debt 2.04b - CCE 1.73b)
Interest Coverage Ratio = 14.41 (Ebit TTM 1.15b / Interest Expense TTM 80.0m)
EV/FCF = 7.33x (Enterprise Value 10.68b / FCF TTM 1.46b)
FCF Yield = 13.64% (FCF TTM 1.46b / Enterprise Value 10.68b)
FCF Margin = 17.89% (FCF TTM 1.46b / Revenue TTM 8.14b)
Net Margin = 10.34% (Net Income TTM 842.0m / Revenue TTM 8.14b)
Gross Margin = 24.20% ((Revenue TTM 8.14b - Cost of Revenue TTM 6.17b) / Revenue TTM)
Gross Margin QoQ = 48.57% (prev 15.58%)
Tobins Q-Ratio = 0.33 (Enterprise Value 10.68b / Total Assets 32.64b)
Interest Expense / Debt = 1.13% (Interest Expense 23.0m / Debt 2.04b)
Taxrate = 21.11% (80.0m / 379.0m)
NOPAT = 909.6m (EBIT 1.15b * (1 - 21.11%))
Current Ratio = 0.14 (Total Current Assets 3.37b / Total Current Liabilities 23.93b)
Debt / Equity = 0.42 (Debt 2.04b / totalStockholderEquity, last quarter 4.82b)
Debt / EBITDA = 0.25 (Net Debt 309.0m / EBITDA 1.24b)
Debt / FCF = 0.21 (Net Debt 309.0m / FCF TTM 1.46b)
Total Stockholder Equity = 4.61b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.92% (Net Income 842.0m / Total Assets 32.64b)
RoE = 18.25% (Net Income TTM 842.0m / Total Stockholder Equity 4.61b)
RoCE = 17.92% (EBIT 1.15b / Capital Employed (Equity 4.61b + L.T.Debt 1.82b))
RoIC = 14.52% (NOPAT 909.6m / Invested Capital 6.26b)
WACC = 6.43% (E(10.37b)/V(12.40b) * Re(7.52%) + D(2.04b)/V(12.40b) * Rd(1.13%) * (1-Tc(0.21)))
Discount Rate = 7.52% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.92%
Shares Correlation 3-Years: -33.33 | Cagr: -0.24%
[DCF] Terminal Value 85.74% ; FCFF base≈1.33b ; Y1≈1.49b ; Y5≈1.99b
[DCF] Fair Price = 608.6 (EV 51.00b - Net Debt 309.0m = Equity 50.69b / Shares 83.3m; r=6.43% [WACC]; 5y FCF grow 13.91% → 3.0% )
EPS Correlation: -21.35 | EPS CAGR: 0.67% | SUE: 2.03 | # QB: 2
Revenue Correlation: 67.24 | Revenue CAGR: 9.76% | SUE: 2.18 | # QB: 1
EPS next Quarter (2026-06-30): EPS=2.45 | Chg7d=+0.004 | Chg30d=-0.031 | Revisions Net=-3 | Analysts=5
EPS current Year (2026-12-31): EPS=11.09 | Chg7d=+0.000 | Chg30d=-0.262 | Revisions Net=-3 | Growth EPS=+7.8% | Growth Revenue=+3.3%
EPS next Year (2027-12-31): EPS=12.03 | Chg7d=+0.000 | Chg30d=-0.098 | Revisions Net=-2 | Growth EPS=+8.5% | Growth Revenue=+4.6%
[Analyst] Revisions Ratio: -0.60 (1 Up / 4 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -0.2% (Discount Rate 7.9% - Earnings Yield 8.1%)
[Growth] Growth Spread = +6.3% (Analyst 6.1% - Implied -0.2%)