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

NYSE:AFGB • US0259328070

Current stock price

20.58 USD
-0.11 (-0.52%)
Last:

This AFGB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. AFGB Profitability Analysis

1.1 Basic Checks

  • In the past year AFGB was profitable.
  • AFGB had a positive operating cash flow in the past year.
  • AFGB had positive earnings in each of the past 5 years.
  • AFGB had a positive operating cash flow in each 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

  • AFGB's Return On Assets of 2.58% is in line compared to the rest of the industry. AFGB outperforms 57.14% of its industry peers.
  • Looking at the Return On Equity, with a value of 17.47%, AFGB is in the better half of the industry, outperforming 72.11% of the companies in the same industry.
  • With a Return On Invested Capital value of 2.64%, AFGB perfoms like the industry average, outperforming 47.62% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for AFGB is significantly below the industry average of 9.36%.
Industry RankSector Rank
ROA 2.58%
ROE 17.47%
ROIC 2.64%
ROA(3y)2.77%
ROA(5y)3.67%
ROE(3y)19.11%
ROE(5y)23.86%
ROIC(3y)2.71%
ROIC(5y)3.07%
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

  • With a decent Profit Margin value of 10.34%, AFGB is doing good in the industry, outperforming 63.27% of the companies in the same industry.
  • In the last couple of years the Profit Margin of AFGB has declined.
  • With a Operating Margin value of 13.38%, AFGB perfoms like the industry average, outperforming 54.42% of the companies in the same industry.
  • In the last couple of years the Operating Margin of AFGB has grown nicely.
Industry RankSector Rank
OM 13.38%
PM (TTM) 10.34%
GM N/A
OM growth 3Y-8.15%
OM growth 5Y12.97%
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

7

2. AFGB Health Analysis

2.1 Basic Checks

  • AFGB has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • The number of shares outstanding for AFGB has been reduced compared to 1 year ago.
  • AFGB has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, AFGB has a worse debt to assets ratio.
AFGB Yearly Shares OutstandingAFGB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 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.
  • AFGB has a Altman-Z score of 0.58. This is in the better half of the industry: AFGB outperforms 74.15% of its industry peers.
  • The Debt to FCF ratio of AFGB is 1.30, which is an excellent value as it means it would take AFGB, only 1.30 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 1.30, AFGB is in line with its industry, outperforming 58.50% 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 60.54% of the companies in the same industry.
  • Even though the debt/equity ratio score it not favorable for AFGB, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.38
Debt/FCF 1.3
Altman-Z 0.58
ROIC/WACC0.42
WACC6.32%
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 2025 2B 4B 6B

2.3 Liquidity

  • A Current Ratio of 5.61 indicates that AFGB has no problem at all paying its short term obligations.
  • AFGB's Current ratio of 5.61 is amongst the best of the industry. AFGB outperforms 97.96% of its industry peers.
  • AFGB has a Quick Ratio of 5.61. This indicates that AFGB is financially healthy and has no problem in meeting its short term obligations.
  • AFGB has a better Quick ratio (5.61) than 97.96% of its industry peers.
Industry RankSector Rank
Current Ratio 5.61
Quick Ratio 5.61
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 2025 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. AFGB Growth Analysis

3.1 Past

  • The earnings per share for AFGB have decreased by -4.28% in the last year.
  • AFGB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.97% yearly.
  • The Revenue has decreased by -1.70% in the past year.
  • The Revenue has been growing slightly by 7.25% on average over the past years.
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 8.39% yearly.
  • AFGB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.73% yearly.
EPS Next Y8.8%
EPS Next 2Y8.66%
EPS Next 3Y8.39%
EPS Next 5YN/A
Revenue Next Year2.68%
Revenue Next 2Y3.64%
Revenue Next 3Y3.73%
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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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. AFGB Valuation Analysis

4.1 Price/Earnings Ratio

  • AFGB is valuated cheaply with a Price/Earnings ratio of 2.00.
  • AFGB's Price/Earnings ratio is rather cheap when compared to the industry. AFGB is cheaper than 88.44% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of AFGB to the average of the S&P500 Index (25.35), we can say AFGB is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 1.84, the valuation of AFGB can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, AFGB is valued cheaper than 88.44% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of AFGB to the average of the S&P500 Index (22.61), we can say AFGB is valued rather cheaply.
Industry RankSector Rank
PE 2
Fwd PE 1.84
AFGB Price Earnings VS Forward Price EarningsAFGB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 91.84% of the companies in the same industry are more expensive than AFGB, based on the Enterprise Value to EBITDA ratio.
  • Based on the Price/Free Cash Flow ratio, AFGB is valued cheaply inside the industry as 89.80% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 1.23
EV/EBITDA 1.54
AFGB Per share dataAFGB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

  • AFGB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.23
PEG (5Y)0.5
EPS Next 2Y8.66%
EPS Next 3Y8.39%

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

5

5. AFGB Dividend Analysis

5.1 Amount

  • AFGB has a Yearly Dividend Yield of 2.73%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.50, AFGB pays a bit more dividend than its industry peers.
  • AFGB's Dividend Yield is a higher than the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 2.73%

5.2 History

  • The dividend of AFGB is nicely growing with an annual growth rate of 13.79%!
  • 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)13.79%
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 2026 0.5 1

5.3 Sustainability

  • AFGB pays out 71.97% of its income as dividend. 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.
DP71.97%
EPS Next 2Y8.66%
EPS Next 3Y8.39%
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

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AFGB Fundamentals: All Metrics, Ratios and Statistics

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

NYSE:AFGB (3/31/2026, 8:18:39 PM)

20.58

-0.11 (-0.52%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-03
Earnings (Next)05-04
Inst Owners68.36%
Inst Owner ChangeN/A
Ins Owners17.98%
Ins Owner ChangeN/A
Market Cap1.71B
Revenue(TTM)8.14B
Net Income(TTM)842.00M
Analysts70.91
Price Target24.44 (18.76%)
Short Float %0.02%
Short Ratio1.12
Dividend
Industry RankSector Rank
Dividend Yield 2.73%
Yearly Dividend7.24
Dividend Growth(5Y)13.79%
DP71.97%
Div Incr Years2
Div Non Decr Years4
Ex-Date03-13
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)7.61%
Min EPS beat(2)6.15%
Max EPS beat(2)9.06%
EPS beat(4)3
Avg EPS beat(4)1.32%
Min EPS beat(4)-11.61%
Max EPS beat(4)9.06%
EPS beat(8)5
Avg EPS beat(8)0.28%
EPS beat(12)5
Avg EPS beat(12)-1.71%
EPS beat(16)9
Avg EPS beat(16)2.86%
Revenue beat(2)0
Avg Revenue beat(2)-1.66%
Min Revenue beat(2)-3.32%
Max Revenue beat(2)0%
Revenue beat(4)0
Avg Revenue beat(4)-5.32%
Min Revenue beat(4)-10.18%
Max Revenue beat(4)0%
Revenue beat(8)2
Avg Revenue beat(8)-2.74%
Revenue beat(12)4
Avg Revenue beat(12)-1.94%
Revenue beat(16)8
Avg Revenue beat(16)2.85%
PT rev (1m)0%
PT rev (3m)7.94%
EPS NQ rev (1m)-0.08%
EPS NQ rev (3m)-2.98%
EPS NY rev (1m)-2.81%
EPS NY rev (3m)-2.74%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.94%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)-1.74%
Valuation
Industry RankSector Rank
PE 2
Fwd PE 1.84
P/S 0.21
P/FCF 1.23
P/OCF 1.12
P/B 0.36
P/tB 0.4
EV/EBITDA 1.54
EPS(TTM)10.29
EY50%
EPS(NY)11.2
Fwd EY54.4%
FCF(TTM)16.78
FCFY81.55%
OCF(TTM)18.4
OCFY89.42%
SpS97.72
BVpS57.86
TBVpS51.67
PEG (NY)0.23
PEG (5Y)0.5
Graham Number115.74
Profitability
Industry RankSector Rank
ROA 2.58%
ROE 17.47%
ROCE 3.36%
ROIC 2.64%
ROICexc 2.79%
ROICexgc 3.04%
OM 13.38%
PM (TTM) 10.34%
GM N/A
FCFM 17.17%
ROA(3y)2.77%
ROA(5y)3.67%
ROE(3y)19.11%
ROE(5y)23.86%
ROIC(3y)2.71%
ROIC(5y)3.07%
ROICexc(3y)2.84%
ROICexc(5y)3.23%
ROICexgc(3y)3.1%
ROICexgc(5y)3.51%
ROCE(3y)3.44%
ROCE(5y)3.9%
ROICexgc growth 3Y-6.59%
ROICexgc growth 5Y45.38%
ROICexc growth 3Y-6.57%
ROICexc growth 5Y43.64%
OM growth 3Y-8.15%
OM growth 5Y12.97%
PM growth 3Y-6.86%
PM growth 5Y-4.11%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.25
Health
Industry RankSector Rank
Debt/Equity 0.38
Debt/FCF 1.3
Debt/EBITDA 1.55
Cap/Depr 156.98%
Cap/Sales 1.66%
Interest Coverage 14.72
Cash Conversion 130.47%
Profit Quality 166.03%
Current Ratio 5.61
Quick Ratio 5.61
Altman-Z 0.58
F-Score5
WACC6.32%
ROIC/WACC0.42
Cap/Depr(3y)137.83%
Cap/Depr(5y)106.53%
Cap/Sales(3y)1.39%
Cap/Sales(5y)1.27%
Profit Quality(3y)167.9%
Profit Quality(5y)141.06%
High Growth Momentum
Growth
EPS 1Y (TTM)-4.28%
EPS 3Y-4.03%
EPS 5Y3.97%
EPS Q2Q%16.99%
EPS Next Y8.8%
EPS Next 2Y8.66%
EPS Next 3Y8.39%
EPS Next 5YN/A
Revenue 1Y (TTM)-1.7%
Revenue growth 3Y5.09%
Revenue growth 5Y7.25%
Sales Q2Q%-2.38%
Revenue Next Year2.68%
Revenue Next 2Y3.64%
Revenue Next 3Y3.73%
Revenue Next 5YN/A
EBIT growth 1Y1.3%
EBIT growth 3Y-3.48%
EBIT growth 5Y21.17%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y37.19%
FCF growth 3Y9.42%
FCF growth 5Y-8.02%
OCF growth 1Y33.07%
OCF growth 3Y9.96%
OCF growth 5Y-6.83%

AMERICAN FINANCIAL GROUP - AFG 5 7/8 03/30/59 / AFGB Fundamental Analysis 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 for 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.


What is the profitability of AFGB stock?

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


How financially healthy is AMERICAN FINANCIAL GROUP - AFG 5 7/8 03/30/59?

The financial health rating of AMERICAN FINANCIAL GROUP - AFG 5 7/8 03/30/59 (AFGB) is 7 / 10.


Is the dividend of AMERICAN FINANCIAL GROUP - AFG 5 7/8 03/30/59 sustainable?

The dividend rating of AMERICAN FINANCIAL GROUP - AFG 5 7/8 03/30/59 (AFGB) is 5 / 10 and the dividend payout ratio is 71.97%.