AMERICAN FINANCIAL GROUP - AFG 5 7/8 03/30/59 (AFGB) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:AFGB - US0259328070
22.0358 USD
+0.12 (+0.53%)
AFGB gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 147 industry peers in the Insurance industry. AFGB has an excellent financial health rating, but there are some minor concerns on its profitability. AFGB may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
AFGB had positive earnings in the past year.
In the past year AFGB had a positive cash flow from operations.
In the past 5 years AFGB has always been profitable.
In the past 5 years AFGB always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of AFGB (2.36%) is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 16.87%, AFGB is in the better half of the industry, outperforming 74.15% of the companies in the same industry.
The Return On Invested Capital of AFGB (2.38%) is comparable to the rest of the industry.
The Average Return On Invested Capital over the past 3 years for AFGB is significantly below the industry average of 14.90%.
| 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
AFGB's Profit Margin of 9.70% is in line compared to the rest of the industry. AFGB outperforms 57.14% of its industry peers.
AFGB's Profit Margin has been stable in the last couple of years.
AFGB has a Operating Margin of 12.28%. This is comparable to the rest of the industry: AFGB outperforms 47.62% of its industry peers.
AFGB's Operating Margin has declined in the last couple of years.
| 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so 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
AFGB has an Altman-Z score of 0.58. This is a bad value and indicates that AFGB is not financially healthy and even has some risk of bankruptcy.
With a decent Altman-Z score value of 0.58, AFGB is doing good in the industry, outperforming 72.11% of the companies in the same industry.
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 comparable to the rest of the industry.
A Debt/Equity ratio of 0.38 indicates that AFGB is not too dependend on debt financing.
AFGB has a worse Debt to Equity ratio (0.38) than 60.54% of its industry peers.
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.38 | ||
| Debt/FCF | 1.41 | ||
| Altman-Z | 0.58 |
ROIC/WACC0.36
WACC6.63%
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 97.28% of its industry peers.
A Quick Ratio of 9.26 indicates that AFGB has no problem at all paying its short term obligations.
With an excellent Quick ratio value of 9.26, AFGB belongs to the best of the industry, outperforming 97.28% of the companies in the same industry.
| 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.
The Earnings Per Share has been growing slightly by 4.54% on average over the past years.
Looking at the last year, AFGB shows a small growth in Revenue. The Revenue has grown by 0.13% in the last year.
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 4.43% on average over the next years.
The Revenue is expected to grow by 3.14% on average over the next years.
EPS Next Y-6.66%
EPS Next 2Y3.4%
EPS Next 3Y4.43%
EPS Next 5YN/A
Revenue Next Year0.48%
Revenue Next 2Y2.67%
Revenue Next 3Y3.14%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
AFGB is valuated cheaply with a Price/Earnings ratio of 2.26.
Based on the Price/Earnings ratio, AFGB is valued cheaper than 87.76% of the companies in the same industry.
When comparing the Price/Earnings ratio of AFGB to the average of the S&P500 Index (26.76), we can say AFGB is valued rather cheaply.
With a Price/Forward Earnings ratio of 1.92, the valuation of AFGB can be described as very cheap.
Based on the Price/Forward Earnings ratio, AFGB is valued cheaper than 89.80% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.96, AFGB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.26 | ||
| Fwd PE | 1.92 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, AFGB is valued cheaply inside the industry as 93.20% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, AFGB is valued cheaper than 90.48% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.42 | ||
| EV/EBITDA | 1.66 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.5
EPS Next 2Y3.4%
EPS Next 3Y4.43%
5. Dividend
5.1 Amount
AFGB has a Yearly Dividend Yield of 2.64%.
AFGB's Dividend Yield is a higher than the industry average which is at 3.48.
Compared to an average S&P500 Dividend Yield of 2.31, AFGB has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.64% |
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
AFGB pays out 96.49% 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.
DP96.49%
EPS Next 2Y3.4%
EPS Next 3Y4.43%
AMERICAN FINANCIAL GROUP - AFG 5 7/8 03/30/59
NYSE:AFGB (12/11/2025, 8:18:48 PM)
22.0358
+0.12 (+0.53%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners68.31%
Inst Owner ChangeN/A
Ins Owners17.96%
Ins Owner ChangeN/A
Market Cap1.84B
Revenue(TTM)8.23B
Net Income(TTM)798.00M
Analysts72
Price Target23.31 (5.78%)
Short Float %0.01%
Short Ratio0.6
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.64% |
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)-4.56%
PT rev (3m)6.05%
EPS NQ rev (1m)1.27%
EPS NQ rev (3m)1.9%
EPS NY rev (1m)2.6%
EPS NY rev (3m)5.61%
Revenue NQ rev (1m)-1.46%
Revenue NQ rev (3m)-4.35%
Revenue NY rev (1m)-0.27%
Revenue NY rev (3m)0.15%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.26 | ||
| Fwd PE | 1.92 | ||
| P/S | 0.22 | ||
| P/FCF | 1.42 | ||
| P/OCF | 1.29 | ||
| P/B | 0.39 | ||
| P/tB | 0.44 | ||
| EV/EBITDA | 1.66 |
EPS(TTM)9.76
EY44.29%
EPS(NY)11.49
Fwd EY52.16%
FCF(TTM)15.48
FCFY70.25%
OCF(TTM)17.06
OCFY77.43%
SpS98.63
BVpS56.71
TBVpS50.49
PEG (NY)N/A
PEG (5Y)0.5
Graham Number111.6
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
WACC6.63%
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-6.66%
EPS Next 2Y3.4%
EPS Next 3Y4.43%
EPS Next 5YN/A
Revenue 1Y (TTM)0.13%
Revenue growth 3Y8.33%
Revenue growth 5Y0.16%
Sales Q2Q%-2.04%
Revenue Next Year0.48%
Revenue Next 2Y2.67%
Revenue Next 3Y3.14%
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 2.26 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.