AMERICAN FINANCIAL GROUP - AFG 5 7/8 03/30/59 (AFGB) Stock Fundamental Analysis

NYSE:AFGB • US0259328070

21.985 USD
+0.05 (+0.25%)
Last: Feb 13, 2026, 08:04 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

AFGB gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 149 industry peers in the Insurance industry. AFGB has an average financial health and profitability rating. AFGB is cheap, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • AFGB had positive earnings in the past year.
  • AFGB had a positive operating cash flow in the past year.
  • In the past 5 years AFGB has always been profitable.
  • AFGB had a positive operating cash flow in 4 of the past 5 years.
AFGB Yearly Net Income VS EBIT VS OCF VS FCFAFGB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 2.36%, AFGB is in line with its industry, outperforming 55.70% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 16.87%, AFGB is in the better half of the industry, outperforming 75.17% of the companies in the same industry.
  • AFGB has a Return On Invested Capital of 2.36%. This is comparable to the rest of the industry: AFGB outperforms 51.68% of its industry peers.
Industry RankSector Rank
ROA 2.36%
ROE 16.87%
ROIC 2.36%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
AFGB Yearly ROA, ROE, ROICAFGB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

1.3 Margins

  • AFGB has a Profit Margin (9.70%) which is comparable to the rest of the industry.
  • In the last couple of years the Profit Margin of AFGB has declined.
  • AFGB has a Operating Margin of 12.28%. This is comparable to the rest of the industry: AFGB outperforms 48.99% of its industry peers.
  • In the last couple of years the Operating Margin of AFGB has grown nicely.
Industry RankSector Rank
OM 12.28%
PM (TTM) 9.7%
GM N/A
OM growth 3Y-6.41%
OM growth 5Y14.25%
PM growth 3Y-6.86%
PM growth 5Y-4.11%
GM growth 3YN/A
GM growth 5YN/A
AFGB Yearly Profit, Operating, Gross MarginsAFGB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

6

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so AFGB is destroying value.
  • AFGB has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
AFGB Yearly Shares OutstandingAFGB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
AFGB Yearly Total Debt VS Total AssetsAFGB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B

2.2 Solvency

  • Based on the Altman-Z score of 0.58, we must say that AFGB is in the distress zone and has some risk of bankruptcy.
  • The Altman-Z score of AFGB (0.58) is better than 75.84% of its industry peers.
  • AFGB has a debt to FCF ratio of 1.41. This is a very positive value and a sign of high solvency as it would only need 1.41 years to pay back of all of its debts.
  • AFGB has a Debt to FCF ratio (1.41) which is in line with its industry peers.
  • A Debt/Equity ratio of 0.38 indicates that AFGB is not too dependend on debt financing.
  • AFGB has a Debt to Equity ratio (0.38) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.38
Debt/FCF 1.41
Altman-Z 0.58
ROIC/WACC0.36
WACC6.61%
AFGB Yearly LT Debt VS Equity VS FCFAFGB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

2.3 Liquidity

  • A Current Ratio of 9.26 indicates that AFGB has no problem at all paying its short term obligations.
  • Looking at the Current ratio, with a value of 9.26, AFGB belongs to the top of the industry, outperforming 97.32% of the companies in the same industry.
  • A Quick Ratio of 9.26 indicates that AFGB has no problem at all paying its short term obligations.
  • Looking at the Quick ratio, with a value of 9.26, AFGB belongs to the top of the industry, outperforming 97.32% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 9.26
Quick Ratio 9.26
AFGB Yearly Current Assets VS Current LiabilitesAFGB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • AFGB shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -4.28%.
  • AFGB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.97% yearly.
  • AFGB shows a decrease in Revenue. In the last year, the revenue decreased by -1.70%.
  • Measured over the past years, AFGB shows a small growth in Revenue. The Revenue has been growing by 7.25% on average per year.
EPS 1Y (TTM)-4.28%
EPS 3Y-4.03%
EPS 5Y3.97%
EPS Q2Q%16.99%
Revenue 1Y (TTM)-1.7%
Revenue growth 3Y5.09%
Revenue growth 5Y7.25%
Sales Q2Q%-2.38%

3.2 Future

  • AFGB is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.29% yearly.
  • The Revenue is expected to grow by 4.17% on average over the next years.
EPS Next Y11.94%
EPS Next 2Y9.46%
EPS Next 3Y9.29%
EPS Next 5YN/A
Revenue Next Year4.83%
Revenue Next 2Y4.61%
Revenue Next 3Y4.17%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
AFGB Yearly Revenue VS EstimatesAFGB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2B 4B 6B 8B
AFGB Yearly EPS VS EstimatesAFGB Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2 4 6 8 10

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Find the best growth stocksShow best growing peers

8

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 2.14, the valuation of AFGB can be described as very cheap.
  • Based on the Price/Earnings ratio, AFGB is valued cheaply inside the industry as 88.59% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Earnings ratio of 27.97, AFGB is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 1.91, the valuation of AFGB can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, AFGB is valued cheaply inside the industry as 89.93% of the companies are valued more expensively.
  • When comparing the Price/Forward Earnings ratio of AFGB to the average of the S&P500 Index (27.96), we can say AFGB is valued rather cheaply.
Industry RankSector Rank
PE 2.14
Fwd PE 1.91
AFGB Price Earnings VS Forward Price EarningsAFGB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, AFGB is valued cheaper than 93.96% of the companies in the same industry.
  • 90.60% of the companies in the same industry are more expensive than AFGB, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 1.42
EV/EBITDA 1.65
AFGB Per share dataAFGB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.18
PEG (5Y)0.54
EPS Next 2Y9.46%
EPS Next 3Y9.29%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • AFGB has a Yearly Dividend Yield of 2.72%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.22, AFGB pays a bit more dividend than its industry peers.
  • AFGB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.79.
Industry RankSector Rank
Dividend Yield 2.72%

5.2 History

  • The dividend of AFGB is nicely growing with an annual growth rate of 13.64%!
  • AFGB has been paying a dividend for over 5 years, so it has already some track record.
  • AFGB has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)13.64%
Div Incr Years2
Div Non Decr Years4
AFGB Yearly Dividends per shareAFGB Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 0.5 1

5.3 Sustainability

  • 96.49% of the earnings are spent on dividend by AFGB. This is not a sustainable payout ratio.
  • The dividend of AFGB is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP96.49%
EPS Next 2Y9.46%
EPS Next 3Y9.29%
AFGB Yearly Income VS Free CF VS DividendAFGB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B
AFGB Dividend Payout.AFGB Dividend Payout, showing the Payout Ratio.AFGB Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

AMERICAN FINANCIAL GROUP - AFG 5 7/8 03/30/59

NYSE:AFGB (2/13/2026, 8:04:00 PM)

21.985

+0.05 (+0.25%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-03
Earnings (Next)05-04
Inst Owners68.56%
Inst Owner ChangeN/A
Ins Owners17.96%
Ins Owner ChangeN/A
Market Cap1.83B
Revenue(TTM)8.14B
Net Income(TTM)798.00M
Analysts70
Price Target24.39 (10.94%)
Short Float %0%
Short Ratio0.25
Dividend
Industry RankSector Rank
Dividend Yield 2.72%
Yearly Dividend9.4
Dividend Growth(5Y)13.64%
DP96.49%
Div Incr Years2
Div Non Decr Years4
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.9%
Min EPS beat(2)1.66%
Max EPS beat(2)6.15%
EPS beat(4)2
Avg EPS beat(4)-1.05%
Min EPS beat(4)-11.61%
Max EPS beat(4)6.15%
EPS beat(8)4
Avg EPS beat(8)-1.25%
EPS beat(12)5
Avg EPS beat(12)-2.16%
EPS beat(16)9
Avg EPS beat(16)4.6%
Revenue beat(2)0
Avg Revenue beat(2)-3.89%
Min Revenue beat(2)-7.78%
Max Revenue beat(2)0%
Revenue beat(4)1
Avg Revenue beat(4)-2.85%
Min Revenue beat(4)-10.18%
Max Revenue beat(4)6.57%
Revenue beat(8)3
Avg Revenue beat(8)-1.94%
Revenue beat(12)5
Avg Revenue beat(12)0.24%
Revenue beat(16)9
Avg Revenue beat(16)4.53%
PT rev (1m)7.71%
PT rev (3m)-0.16%
EPS NQ rev (1m)0.6%
EPS NQ rev (3m)1.87%
EPS NY rev (1m)0.47%
EPS NY rev (3m)3.08%
Revenue NQ rev (1m)2.3%
Revenue NQ rev (3m)0.81%
Revenue NY rev (1m)0.46%
Revenue NY rev (3m)0.2%
Valuation
Industry RankSector Rank
PE 2.14
Fwd PE 1.91
P/S 0.22
P/FCF 1.42
P/OCF 1.29
P/B 0.39
P/tB 0.44
EV/EBITDA 1.65
EPS(TTM)10.29
EY46.8%
EPS(NY)11.52
Fwd EY52.39%
FCF(TTM)15.48
FCFY70.39%
OCF(TTM)17.06
OCFY77.59%
SpS98.61
BVpS56.7
TBVpS50.48
PEG (NY)0.18
PEG (5Y)0.54
Graham Number114.58
Profitability
Industry RankSector Rank
ROA 2.36%
ROE 16.87%
ROCE 3.01%
ROIC 2.36%
ROICexc 2.5%
ROICexgc 2.75%
OM 12.28%
PM (TTM) 9.7%
GM N/A
FCFM 15.69%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-6.41%
OM growth 5Y14.25%
PM growth 3Y-6.86%
PM growth 5Y-4.11%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.24
Health
Industry RankSector Rank
Debt/Equity 0.38
Debt/FCF 1.41
Debt/EBITDA 1.66
Cap/Depr 155.29%
Cap/Sales 1.6%
Interest Coverage 250
Cash Conversion 129.95%
Profit Quality 161.78%
Current Ratio 9.26
Quick Ratio 9.26
Altman-Z 0.58
F-Score5
WACC6.61%
ROIC/WACC0.36
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-4.28%
EPS 3Y-4.03%
EPS 5Y3.97%
EPS Q2Q%16.99%
EPS Next Y11.94%
EPS Next 2Y9.46%
EPS Next 3Y9.29%
EPS Next 5YN/A
Revenue 1Y (TTM)-1.7%
Revenue growth 3Y5.09%
Revenue growth 5Y7.25%
Sales Q2Q%-2.38%
Revenue Next Year4.83%
Revenue Next 2Y4.61%
Revenue Next 3Y4.17%
Revenue Next 5YN/A
EBIT growth 1Y-7.08%
EBIT growth 3Y-1.65%
EBIT growth 5Y22.54%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y17.15%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y15.32%
OCF growth 3YN/A
OCF growth 5YN/A

AMERICAN FINANCIAL GROUP - AFG 5 7/8 03/30/59 / AFGB FAQ

What is the ChartMill fundamental rating of AMERICAN FINANCIAL GROUP - AFG 5 7/8 03/30/59 (AFGB) stock?

ChartMill assigns a fundamental rating of 5 / 10 to AFGB.


What is the valuation status of AMERICAN FINANCIAL GROUP - AFG 5 7/8 03/30/59 (AFGB) stock?

ChartMill assigns a valuation rating of 8 / 10 to AMERICAN FINANCIAL GROUP - AFG 5 7/8 03/30/59 (AFGB). This can be considered as Undervalued.


Can you provide the profitability details for AMERICAN FINANCIAL GROUP - AFG 5 7/8 03/30/59?

AMERICAN FINANCIAL GROUP - AFG 5 7/8 03/30/59 (AFGB) has a profitability rating of 4 / 10.


Can you provide the PE and PB ratios for AFGB stock?

The Price/Earnings (PE) ratio for AMERICAN FINANCIAL GROUP - AFG 5 7/8 03/30/59 (AFGB) is 2.14 and the Price/Book (PB) ratio is 0.39.


How sustainable is the dividend of AMERICAN FINANCIAL GROUP - AFG 5 7/8 03/30/59 (AFGB) stock?

The dividend rating of AMERICAN FINANCIAL GROUP - AFG 5 7/8 03/30/59 (AFGB) is 5 / 10 and the dividend payout ratio is 96.49%.