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

NYSE:AFGC • US0259328807

18.48 USD
-0.08 (-0.43%)
Last: Mar 12, 2026, 07:00 PM
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This AFGC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

5

Overall AFGC gets a fundamental rating of 5 out of 10. We evaluated AFGC against 149 industry peers in the Insurance industry. AFGC has an excellent financial health rating, but there are some minor concerns on its profitability. AFGC is cheap, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

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.
  • AFGC had positive earnings in each of the past 5 years.
  • AFGC had a positive operating cash flow in each of the past 5 years.
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

  • The Return On Assets of AFGC (2.58%) is comparable to the rest of the industry.
  • With a decent Return On Equity value of 17.47%, AFGC is doing good in the industry, outperforming 75.84% of the companies in the same industry.
  • The Return On Invested Capital of AFGC (2.64%) is comparable to the rest of the industry.
  • The Average Return On Invested Capital over the past 3 years for AFGC is significantly below the industry average of 15.25%.
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 has a Profit Margin of 10.34%. This is in the better half of the industry: AFGC outperforms 66.44% of its industry peers.
  • In the last couple of years the Profit Margin of AFGC has declined.
  • AFGC has a Operating Margin of 13.38%. This is comparable to the rest of the industry: AFGC outperforms 58.39% of its industry peers.
  • AFGC's Operating Margin has improved in the last couple of years.
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.
  • Compared to 5 years ago, AFGC has less shares outstanding
  • Compared to 1 year ago, AFGC has a worse debt to assets ratio.
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

  • Based on the Altman-Z score of 0.57, we must say that AFGC is in the distress zone and has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 0.57, AFGC is in the better half of the industry, outperforming 73.83% of the companies in the same industry.
  • 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.
  • The Debt to FCF ratio of AFGC (1.30) is better than 63.09% of its industry peers.
  • AFGC has a Debt/Equity ratio of 0.38. This is a healthy value indicating a solid balance between debt and equity.
  • AFGC 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 1.3
Altman-Z 0.57
ROIC/WACC0.43
WACC6.15%
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

  • AFGC has a Current Ratio of 5.61. This indicates that AFGC is financially healthy and has no problem in meeting its short term obligations.
  • AFGC has a Current ratio of 5.61. This is amongst the best in the industry. AFGC outperforms 98.66% of its industry peers.
  • A Quick Ratio of 5.61 indicates that AFGC has no problem at all paying its short term obligations.
  • With an excellent Quick ratio value of 5.61, AFGC belongs to the best of the industry, outperforming 98.66% of the companies in the same industry.
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.
  • The Earnings Per Share has been growing slightly by 3.97% on average over the past years.
  • Looking at the last year, AFGC shows a decrease in Revenue. The Revenue has decreased by -1.70% in the last year.
  • AFGC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.25% yearly.
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

  • The Earnings Per Share is expected to grow by 8.39% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 3.73% on average over the next years.
EPS Next Y8.8%
EPS Next 2Y8.66%
EPS Next 3Y8.39%
EPS Next 5YN/A
Revenue Next Year2.68%
Revenue Next 2Y3.64%
Revenue Next 3Y3.73%
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

  • A Price/Earnings ratio of 1.80 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 90.60% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.71, AFGC is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 1.65, the valuation of AFGC can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, AFGC is valued cheaper than 91.95% of the companies in the same industry.
  • AFGC is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.82, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 1.8
Fwd PE 1.65
AFGC Price Earnings VS Forward Price EarningsAFGC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 95.97% of the companies in the same industry are more expensive than AFGC, based on the Enterprise Value to EBITDA ratio.
  • 92.62% of the companies in the same industry are more expensive than AFGC, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 1.1
EV/EBITDA 1.39
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)0.2
PEG (5Y)0.45
EPS Next 2Y8.66%
EPS Next 3Y8.39%

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

6

5. AFGC Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 6.67%, AFGC is a good candidate for dividend investing.
  • AFGC's Dividend Yield is rather good when compared to the industry average which is at 2.89. AFGC pays more dividend than 87.92% of the companies in the same industry.
  • AFGC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 6.67%

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 last 3 years.
Dividend Growth(5Y)13.79%
Div Incr Years0
Div Non Decr Years4
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

  • 71.97% of the earnings are spent on dividend by AFGC. This is not a sustainable payout ratio.
  • The dividend of AFGC 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%
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 (3/12/2026, 7:00:00 PM)

18.48

-0.08 (-0.43%)

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 Change0%
Market Cap1.54B
Revenue(TTM)8.14B
Net Income(TTM)842.00M
Analysts70.91
Price Target21.25 (14.99%)
Short Float %0%
Short Ratio0.22
Dividend
Industry RankSector Rank
Dividend Yield 6.67%
Yearly Dividend7.24
Dividend Growth(5Y)13.79%
DP71.97%
Div Incr Years0
Div Non Decr Years4
Ex-Date02-27
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)-0.69%
PT rev (3m)4.85%
EPS NQ rev (1m)-2.53%
EPS NQ rev (3m)-2.74%
EPS NY rev (1m)-2.81%
EPS NY rev (3m)-2.6%
Revenue NQ rev (1m)1.72%
Revenue NQ rev (3m)1%
Revenue NY rev (1m)-2.05%
Revenue NY rev (3m)-1.67%
Valuation
Industry RankSector Rank
PE 1.8
Fwd PE 1.65
P/S 0.19
P/FCF 1.1
P/OCF 1
P/B 0.32
P/tB 0.36
EV/EBITDA 1.39
EPS(TTM)10.29
EY55.68%
EPS(NY)11.2
Fwd EY60.58%
FCF(TTM)16.78
FCFY90.82%
OCF(TTM)18.4
OCFY99.59%
SpS97.72
BVpS57.86
TBVpS51.67
PEG (NY)0.2
PEG (5Y)0.45
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 0.57
F-Score5
WACC6.15%
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 Year2.68%
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 1/8 12/15/59 / AFGC 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.


What is the valuation status for AFGC stock?

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.


What is the profitability of AFGC stock?

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


How financially healthy is AMERICAN FINANCIAL GROUP - AFG 5 1/8 12/15/59?

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


Is the dividend of AMERICAN FINANCIAL GROUP - AFG 5 1/8 12/15/59 sustainable?

The dividend rating of AMERICAN FINANCIAL GROUP - AFG 5 1/8 12/15/59 (AFGC) is 6 / 10 and the dividend payout ratio is 71.97%.