A Business at a Glance
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Item 1. Business American Financial Group, Inc. (“AFG” or the “Company”) is an insurance holding company. Through the operations of Great American Insurance Group, AFG is engaged in property and casualty insurance, focusing on specialized commercial products for businesses. AFG’s in-house team of investment professionals oversees the Company’s investment portfolio. The members of the Great American Insurance Group have been in business for over 150 years. Management believes that over 55% of the 2025 gross written premiums in AFG’s Specialty property and casualty group are produced by businesses that rank in the “top 10” amongst competitors based on gross written premiums. AFG’s address is 301 East Fourth Street, Cincinnati, Ohio 45202; its phone number is (513) 579-2121.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 8.2B | 8.2B | 8.3B | 7.8B | 7.0B | 6.6B |
| Net Income | 842M | 842M | 887M | 852M | 898M | 2.0B |
| EPS | $10.08 | $10.08 | $10.57 | $10.05 | $10.53 | $23.30 |
| Free Cash Flow | 1.5B | 1.5B | 1.2B | 2.0B | 1.2B | 1.7B |
| ROIC | 17.1% | 13.4% | 14.9% | 14.9% | 16.2% | 28.6% |
| Gross Margin | 13.1% | 13.1% | 13.5% | 13.7% | 16.0% | 20.4% |
| Debt/Equity | 0.38 | 0.38 | 0.33 | 0.35 | 0.37 | 0.39 |
| Dividends/Share | $7.25 | $7.28 | $9.43 | $8.10 | $14.31 | $28.06 |
| Operating Income | 1.1B | 1.1B | 1.1B | 1.1B | 1.1B | 1.3B |
| Operating Margin | 13.1% | 13.1% | 13.5% | 13.7% | 16.0% | 20.4% |
| ROE | 17.5% | 18.1% | 19.9% | 20.0% | 22.2% | 39.8% |
| Shares Outstanding | 84M | 84M | 84M | 85M | 85M | 86M |
AMERICAN FINANCIAL GROUP INC passes 3 of 9 quality checks, indicating weak fundamentals.
AMERICAN FINANCIAL GROUP INC trades at 1.9x trailing earnings, compared to its 15-year median P/E of 1.8x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 1.0x vs a median of 1.0x. The company's 5-year average ROIC is 17.6% with a gross margin of 15.3%. Total shareholder yield (dividends + buybacks) is 44.7%. At current prices, the estimated annualized return to fair value is -6.7%.
AMERICAN FINANCIAL GROUP INC (AFGC) has a current P/E ratio of 1.9, compared to its historical median P/E of 1.8. The stock is currently considered Fair based on its historical valuation range.
AMERICAN FINANCIAL GROUP INC (AFGC) has a 5-year average return on invested capital (ROIC) of 17.6%. This indicates strong capital allocation and a potential competitive advantage.
AMERICAN FINANCIAL GROUP INC (AFGC) has a market capitalization of $1.6B. It is classified as a small-cap stock.
Yes, AMERICAN FINANCIAL GROUP INC (AFGC) pays a dividend with a trailing twelve-month yield of 38.43%. The company also returns capital through share buybacks, with a buyback yield of 6.28%.
Based on historical P/E analysis, AMERICAN FINANCIAL GROUP INC (AFGC) appears fair. The current P/E of 1.9 is 4% above its historical median of 1.8. The estimated fair value CAGR (P/E method) is 1.9%.
AMERICAN FINANCIAL GROUP INC (AFGC) operates in the Fire, Marine & Casualty Insurance industry, within the Financials sector.
AMERICAN FINANCIAL GROUP INC (AFGC) reported annual revenue of $8.2 billion in its most recent fiscal year, based on SEC EDGAR filings.
AMERICAN FINANCIAL GROUP INC (AFGC) has a net profit margin of 10.3%. This is a healthy margin.
AMERICAN FINANCIAL GROUP INC (AFGC) generated $1.5 billion in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
AMERICAN FINANCIAL GROUP INC (AFGC) has a debt-to-equity ratio of 0.38. This indicates a conservatively financed balance sheet.
AMERICAN FINANCIAL GROUP INC (AFGC) reported earnings per share (EPS) of $10.08 in its most recent fiscal year.
AMERICAN FINANCIAL GROUP INC (AFGC) has a return on equity (ROE) of 18.1%. This indicates the company generates strong returns for shareholders.
AMERICAN FINANCIAL GROUP INC (AFGC) has a 5-year average gross margin of 15.3%. This lower margin is typical of capital-intensive or commodity businesses.
The Ledger Terminal provides 16 years of financial data for AMERICAN FINANCIAL GROUP INC (AFGC), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
AMERICAN FINANCIAL GROUP INC (AFGC) has a book value per share of $57.70, based on its most recent annual SEC filing.