AMERICAN FINANCIAL GROUP - AFG 5 7/8 03/30/59 (AFGB) Stock Fundamental Analysis
USA - NYSE:AFGB - US0259328070
22.2994 USD
+0.02 (+0.09%)
Overall AFGB gets a fundamental rating of 5 out of 10. We evaluated AFGB against 146 industry peers in the Insurance industry. AFGB is in great health and has no worries on liquidiy or solvency at all, but the profibility rating is only average. A decent growth rate in combination with a cheap valuation! Better keep an eye on AFGB.
1. Profitability
1.1 Basic Checks
In the past year AFGB was profitable.
In the past year AFGB had a positive cash flow from operations.
Each year in the past 5 years AFGB has been profitable.
In the past 5 years AFGB always reported a positive cash flow from operatings.
1.2 Ratios
AFGB's Return On Assets of 2.36% is in line compared to the rest of the industry. AFGB outperforms 53.42% of its industry peers.
AFGB has a better Return On Equity (16.87%) than 77.40% of its industry peers.
AFGB has a Return On Invested Capital (2.38%) which is comparable to the rest of the industry.
The Average Return On Invested Capital over the past 3 years for AFGB is in line with the industry average of 4.51%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.36% | ||
| ROE | 16.87% | ||
| ROIC | 2.38% |
ROA(3y)2.95%
ROA(5y)3.35%
ROE(3y)20.68%
ROE(5y)22.52%
ROIC(3y)2.95%
ROIC(5y)2.64%
1.3 Margins
Looking at the Profit Margin, with a value of 9.70%, AFGB is in the better half of the industry, outperforming 60.96% of the companies in the same industry.
AFGB's Profit Margin has been stable in the last couple of years.
The Operating Margin of AFGB (12.28%) is comparable to the rest of the industry.
In the last couple of years the Operating Margin of AFGB has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 12.28% | ||
| PM (TTM) | 9.7% | ||
| GM | N/A |
OM growth 3Y-15.95%
OM growth 5Y-2.25%
PM growth 3Y-29.55%
PM growth 5Y-0.39%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), AFGB is destroying value.
The number of shares outstanding for AFGB has been increased compared to 1 year ago.
AFGB has less shares outstanding than it did 5 years ago.
AFGB has a better debt/assets ratio than last year.
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 73.29% 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.
With a Debt to FCF ratio value of 1.41, AFGB perfoms like the industry average, outperforming 59.59% of the companies in the same industry.
AFGB has a Debt/Equity ratio of 0.38. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.38, AFGB is doing worse than 60.27% of the companies in the same industry.
Although AFGB does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.38 | ||
| Debt/FCF | 1.41 | ||
| Altman-Z | 0.58 |
ROIC/WACC0.36
WACC6.66%
2.3 Liquidity
A Current Ratio of 9.26 indicates that AFGB has no problem at all paying its short term obligations.
AFGB has a better Current ratio (9.26) than 97.26% of its industry peers.
A Quick Ratio of 9.26 indicates that AFGB has no problem at all paying its short term obligations.
AFGB has a better Quick ratio (9.26) than 97.26% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 9.26 | ||
| Quick Ratio | 9.26 |
3. Growth
3.1 Past
The earnings per share for AFGB have decreased by -6.78% in the last year.
AFGB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.54% yearly.
AFGB shows a small growth in Revenue. In the last year, the Revenue has grown by 0.13%.
The Revenue has been growing slightly by 0.16% on average over the past years.
EPS 1Y (TTM)-6.78%
EPS 3Y-2.5%
EPS 5Y4.54%
EPS Q2Q%16.45%
Revenue 1Y (TTM)0.13%
Revenue growth 3Y8.33%
Revenue growth 5Y0.16%
Sales Q2Q%-2.04%
3.2 Future
The Earnings Per Share is expected to grow by 4.58% on average over the next years.
AFGB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.31% yearly.
EPS Next Y-9.02%
EPS Next 2Y4.04%
EPS Next 3Y4.58%
EPS Next 5YN/A
Revenue Next Year0.75%
Revenue Next 2Y3.94%
Revenue Next 3Y3.31%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 2.28, the valuation of AFGB can be described as very cheap.
Based on the Price/Earnings ratio, AFGB is valued cheaper than 85.62% of the companies in the same industry.
AFGB is valuated cheaply when we compare the Price/Earnings ratio to 25.89, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 1.92 indicates a rather cheap valuation of AFGB.
Based on the Price/Forward Earnings ratio, AFGB is valued cheaply inside the industry as 89.73% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.59, AFGB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.28 | ||
| Fwd PE | 1.92 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, AFGB is valued cheaply inside the industry as 93.15% of the companies are valued more expensively.
AFGB's Price/Free Cash Flow ratio is rather cheap when compared to the industry. AFGB is cheaper than 90.41% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.44 | ||
| EV/EBITDA | 1.68 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.5
EPS Next 2Y4.04%
EPS Next 3Y4.58%
5. Dividend
5.1 Amount
AFGB has a Yearly Dividend Yield of 2.46%. Purely for dividend investing, there may be better candidates out there.
AFGB's Dividend Yield is a higher than the industry average which is at 3.55.
Compared to an average S&P500 Dividend Yield of 2.42, AFGB has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.46% |
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
5.3 Sustainability
96.49% of the earnings are spent on dividend by AFGB. This is not a sustainable payout ratio.
AFGB's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP96.49%
EPS Next 2Y4.04%
EPS Next 3Y4.58%
AMERICAN FINANCIAL GROUP - AFG 5 7/8 03/30/59
NYSE:AFGB (11/14/2025, 8:04:00 PM)
22.2994
+0.02 (+0.09%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners67.24%
Inst Owner ChangeN/A
Ins Owners17.97%
Ins Owner ChangeN/A
Market Cap1.86B
Revenue(TTM)8.23B
Net Income(TTM)798.00M
Analysts72
Price Target22.01 (-1.3%)
Short Float %0.01%
Short Ratio0.62
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.46% |
Yearly Dividend9.4
Dividend Growth(5Y)13.64%
DP96.49%
Div Incr Years2
Div Non Decr Years4
Ex-Date
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)12.81%
PT rev (3m)3.49%
EPS NQ rev (1m)8.94%
EPS NQ rev (3m)-12.68%
EPS NY rev (1m)2.49%
EPS NY rev (3m)-3.65%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)5.5%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.31%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.28 | ||
| Fwd PE | 1.92 | ||
| P/S | 0.23 | ||
| P/FCF | 1.44 | ||
| P/OCF | 1.31 | ||
| P/B | 0.39 | ||
| P/tB | 0.44 | ||
| EV/EBITDA | 1.68 |
EPS(TTM)9.76
EY43.77%
EPS(NY)11.64
Fwd EY52.18%
FCF(TTM)15.48
FCFY69.43%
OCF(TTM)17.06
OCFY76.52%
SpS98.64
BVpS56.72
TBVpS50.5
PEG (NY)N/A
PEG (5Y)0.5
Graham Number111.61
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.36% | ||
| ROE | 16.87% | ||
| ROCE | 3.01% | ||
| ROIC | 2.38% | ||
| ROICexc | 2.52% | ||
| ROICexgc | 2.77% | ||
| OM | 12.28% | ||
| PM (TTM) | 9.7% | ||
| GM | N/A | ||
| FCFM | 15.69% |
ROA(3y)2.95%
ROA(5y)3.35%
ROE(3y)20.68%
ROE(5y)22.52%
ROIC(3y)2.95%
ROIC(5y)2.64%
ROICexc(3y)3.07%
ROICexc(5y)2.78%
ROICexgc(3y)3.35%
ROICexgc(5y)3.01%
ROCE(3y)3.73%
ROCE(5y)3.34%
ROICexgc growth 3Y-11.18%
ROICexgc growth 5Y16.37%
ROICexc growth 3Y-11.66%
ROICexc growth 5Y15.82%
OM growth 3Y-15.95%
OM growth 5Y-2.25%
PM growth 3Y-29.55%
PM growth 5Y-0.39%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.24
Health
| Industry Rank | Sector 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
WACC6.66%
ROIC/WACC0.36
Cap/Depr(3y)114.17%
Cap/Depr(5y)79.15%
Cap/Sales(3y)1.25%
Cap/Sales(5y)1.15%
Profit Quality(3y)152.16%
Profit Quality(5y)165.86%
High Growth Momentum
Growth
EPS 1Y (TTM)-6.78%
EPS 3Y-2.5%
EPS 5Y4.54%
EPS Q2Q%16.45%
EPS Next Y-9.02%
EPS Next 2Y4.04%
EPS Next 3Y4.58%
EPS Next 5YN/A
Revenue 1Y (TTM)0.13%
Revenue growth 3Y8.33%
Revenue growth 5Y0.16%
Sales Q2Q%-2.04%
Revenue Next Year0.75%
Revenue Next 2Y3.94%
Revenue Next 3Y3.31%
Revenue Next 5YN/A
EBIT growth 1Y-7.08%
EBIT growth 3Y-8.95%
EBIT growth 5Y-2.09%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y1.65%
FCF growth 3Y-14.88%
FCF growth 5Y-15.83%
OCF growth 1Y7.48%
OCF growth 3Y-12.4%
OCF growth 5Y-14.05%
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.
Can you provide the valuation status for AMERICAN FINANCIAL GROUP - AFG 5 7/8 03/30/59?
ChartMill assigns a valuation rating of 7 / 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.
What is the valuation of AMERICAN FINANCIAL GROUP - AFG 5 7/8 03/30/59 based on its PE and PB ratios?
The Price/Earnings (PE) ratio for AMERICAN FINANCIAL GROUP - AFG 5 7/8 03/30/59 (AFGB) is 2.28 and the Price/Book (PB) ratio is 0.39.
Can you provide the financial health for AFGB stock?
The financial health rating of AMERICAN FINANCIAL GROUP - AFG 5 7/8 03/30/59 (AFGB) is 7 / 10.