AMERICAN FINANCIAL GROUP - AFG 5 1/8 12/15/59 (AFGC) Fundamental Analysis & Valuation

NYSE:AFGC • US0259328807

Current stock price

18.8 USD
+0.02 (+0.11%)
Last:

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

4

1. AFGC Profitability Analysis

1.1 Basic Checks

  • In the past year AFGC was profitable.
  • AFGC had a positive operating cash flow in the past year.
  • Each year in the past 5 years AFGC has been profitable.
  • In the past 5 years AFGC always reported a positive cash flow from operatings.
AFGC Yearly Net Income VS EBIT VS OCF VS FCFAFGC 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

  • AFGC has a Return On Assets of 2.58%. This is comparable to the rest of the industry: AFGC outperforms 55.78% of its industry peers.
  • With a decent Return On Equity value of 17.47%, AFGC is doing good in the industry, outperforming 72.11% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 2.64%, AFGC is in line with its industry, outperforming 51.02% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for AFGC is significantly below the industry average of 9.51%.
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%
AFGC Yearly ROA, ROE, ROICAFGC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

1.3 Margins

  • AFGC's Profit Margin of 10.34% is fine compared to the rest of the industry. AFGC outperforms 61.90% of its industry peers.
  • In the last couple of years the Profit Margin of AFGC has declined.
  • Looking at the Operating Margin, with a value of 13.38%, AFGC is in line with its industry, outperforming 57.14% of the companies in the same industry.
  • In the last couple of years the Operating Margin of AFGC 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
AFGC Yearly Profit, Operating, Gross MarginsAFGC 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. AFGC Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so AFGC is destroying value.
  • AFGC has less shares outstanding than it did 1 year ago.
  • AFGC has less shares outstanding than it did 5 years ago.
  • AFGC has a worse debt/assets ratio than last year.
AFGC Yearly Shares OutstandingAFGC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
AFGC Yearly Total Debt VS Total AssetsAFGC 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

  • AFGC has an Altman-Z score of 0.57. This is a bad value and indicates that AFGC is not financially healthy and even has some risk of bankruptcy.
  • AFGC has a better Altman-Z score (0.57) than 73.47% of its industry peers.
  • The Debt to FCF ratio of AFGC is 1.30, which is an excellent value as it means it would take AFGC, only 1.30 years of fcf income to pay off all of its debts.
  • AFGC has a better Debt to FCF ratio (1.30) than 60.54% of its industry peers.
  • A Debt/Equity ratio of 0.38 indicates that AFGC is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.38, AFGC is in line with its industry, outperforming 41.50% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.38
Debt/FCF 1.3
Altman-Z 0.57
ROIC/WACC0.43
WACC6.14%
AFGC Yearly LT Debt VS Equity VS FCFAFGC 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 AFGC has no problem at all paying its short term obligations.
  • AFGC has a better Current ratio (5.61) than 99.32% of its industry peers.
  • A Quick Ratio of 5.61 indicates that AFGC has no problem at all paying its short term obligations.
  • AFGC has a Quick ratio of 5.61. This is amongst the best in the industry. AFGC outperforms 99.32% of its industry peers.
Industry RankSector Rank
Current Ratio 5.61
Quick Ratio 5.61
AFGC Yearly Current Assets VS Current LiabilitesAFGC 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. AFGC Growth Analysis

3.1 Past

  • The earnings per share for AFGC have decreased by -4.28% in the last year.
  • AFGC 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.
  • Measured over the past years, AFGC 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

  • Based on estimates for the next years, AFGC will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.39% on average per year.
  • The Revenue is expected to grow by 3.75% on average over the next years.
EPS Next Y8.8%
EPS Next 2Y8.66%
EPS Next 3Y8.39%
EPS Next 5YN/A
Revenue Next Year2.65%
Revenue Next 2Y3.54%
Revenue Next 3Y3.75%
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • 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.
AFGC Yearly Revenue VS EstimatesAFGC 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
AFGC Yearly EPS VS EstimatesAFGC 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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8

4. AFGC Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 1.83, which indicates a rather cheap valuation of AFGC.
  • Compared to the rest of the industry, the Price/Earnings ratio of AFGC indicates a rather cheap valuation: AFGC is cheaper than 89.12% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of AFGC to the average of the S&P500 Index (27.66), we can say AFGC is valued rather cheaply.
  • A Price/Forward Earnings ratio of 1.68 indicates a rather cheap valuation of AFGC.
  • 92.52% of the companies in the same industry are more expensive than AFGC, based on the Price/Forward Earnings ratio.
  • AFGC is valuated cheaply when we compare the Price/Forward Earnings ratio to 38.00, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 1.83
Fwd PE 1.68
AFGC Price Earnings VS Forward Price EarningsAFGC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • 95.24% of the companies in the same industry are more expensive than AFGC, based on the Enterprise Value to EBITDA ratio.
  • Based on the Price/Free Cash Flow ratio, AFGC is valued cheaply inside the industry as 92.52% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 1.12
EV/EBITDA 1.41
AFGC Per share dataAFGC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

  • AFGC's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.21
PEG (5Y)0.46
EPS Next 2Y8.66%
EPS Next 3Y8.39%

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

5

5. AFGC Dividend Analysis

5.1 Amount

  • AFGC has a Yearly Dividend Yield of 2.70%. Purely for dividend investing, there may be better candidates out there.
  • AFGC's Dividend Yield is a higher than the industry average which is at 2.37.
  • Compared to an average S&P500 Dividend Yield of 1.81, AFGC pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.7%

5.2 History

  • The dividend of AFGC is nicely growing with an annual growth rate of 13.79%!
  • AFGC has been paying a dividend for over 5 years, so it has already some track record.
  • AFGC has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)13.79%
Div Incr Years0
Div Non Decr Years5
AFGC Yearly Dividends per shareAFGC Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • AFGC pays out 71.97% of its income as dividend. This is not a sustainable payout ratio.
  • AFGC's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP71.97%
EPS Next 2Y8.66%
EPS Next 3Y8.39%
AFGC Yearly Income VS Free CF VS DividendAFGC 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
AFGC Dividend Payout.AFGC Dividend Payout, showing the Payout Ratio.AFGC Dividend Payout.PayoutRetained Earnings

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AFGC Fundamentals: All Metrics, Ratios and Statistics

AMERICAN FINANCIAL GROUP - AFG 5 1/8 12/15/59

NYSE:AFGC (4/22/2026, 4:15:00 PM)

18.8

+0.02 (+0.11%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-03
Earnings (Next)04-29
Inst Owners68.31%
Inst Owner ChangeN/A
Ins Owners17.56%
Ins Owner Change0%
Market Cap1.56B
Revenue(TTM)8.14B
Net Income(TTM)842.00M
Analysts70.91
Price Target20.47 (8.88%)
Short Float %0.01%
Short Ratio0.44
Dividend
Industry RankSector Rank
Dividend Yield 2.7%
Yearly Dividend7.24
Dividend Growth(5Y)13.79%
DP71.97%
Div Incr Years0
Div Non Decr Years5
Ex-Date06-01
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)-3.67%
PT rev (3m)-2.21%
EPS NQ rev (1m)-0.07%
EPS NQ rev (3m)-3.05%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.74%
Revenue NQ rev (1m)-0.17%
Revenue NQ rev (3m)0.82%
Revenue NY rev (1m)-0.03%
Revenue NY rev (3m)-1.73%
Valuation
Industry RankSector Rank
PE 1.83
Fwd PE 1.68
P/S 0.19
P/FCF 1.12
P/OCF 1.02
P/B 0.32
P/tB 0.36
EV/EBITDA 1.41
EPS(TTM)10.29
EY54.73%
EPS(NY)11.2
Fwd EY59.55%
FCF(TTM)16.83
FCFY89.5%
OCF(TTM)18.45
OCFY98.14%
SpS97.97
BVpS58.01
TBVpS51.8
PEG (NY)0.21
PEG (5Y)0.46
Graham Number115.891 (516.44%)
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 0.57
F-Score5
WACC6.14%
ROIC/WACC0.43
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 Year2.65%
Revenue Next 2Y3.54%
Revenue Next 3Y3.75%
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 1/8 12/15/59 / AFGC Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for AMERICAN FINANCIAL GROUP - AFG 5 1/8 12/15/59?

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


Can you provide the valuation status for AMERICAN FINANCIAL GROUP - AFG 5 1/8 12/15/59?

ChartMill assigns a valuation rating of 8 / 10 to AMERICAN FINANCIAL GROUP - AFG 5 1/8 12/15/59 (AFGC). This can be considered as Undervalued.


How profitable is AMERICAN FINANCIAL GROUP - AFG 5 1/8 12/15/59 (AFGC) stock?

AMERICAN FINANCIAL GROUP - AFG 5 1/8 12/15/59 (AFGC) has a profitability rating of 4 / 10.


What is the financial health of AMERICAN FINANCIAL GROUP - AFG 5 1/8 12/15/59 (AFGC) stock?

The financial health rating of AMERICAN FINANCIAL GROUP - AFG 5 1/8 12/15/59 (AFGC) is 7 / 10.


Can you provide the expected EPS growth for AFGC stock?

The Earnings per Share (EPS) of AMERICAN FINANCIAL GROUP - AFG 5 1/8 12/15/59 (AFGC) is expected to grow by 8.8% in the next year.