AMERICAN FINANCIAL GROUP - AFG 5 5/8 06/01/60 (AFGD) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:AFGD - US0259328724
21.14 USD
+0.12 (+0.55%)
We assign a fundamental rating of 5 out of 10 to AFGD. AFGD was compared to 146 industry peers in the Insurance industry. AFGD has an excellent financial health rating, but there are some minor concerns on its profitability. A decent growth rate in combination with a cheap valuation! Better keep an eye on AFGD.
1. Profitability
1.1 Basic Checks
- AFGD had positive earnings in the past year.
- In the past year AFGD had a positive cash flow from operations.
- Each year in the past 5 years AFGD has been profitable.
- In the past 5 years AFGD always reported a positive cash flow from operatings.
1.2 Ratios
- AFGD's Return On Assets of 2.36% is in line compared to the rest of the industry. AFGD outperforms 55.48% of its industry peers.
- AFGD has a better Return On Equity (16.87%) than 75.34% of its industry peers.
- AFGD has a Return On Invested Capital of 2.38%. This is comparable to the rest of the industry: AFGD outperforms 53.42% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for AFGD is significantly below the industry average of 15.11%.
| 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
- AFGD has a Profit Margin (9.70%) which is comparable to the rest of the industry.
- In the last couple of years the Profit Margin of AFGD has remained more or less at the same level.
- The Operating Margin of AFGD (12.28%) is comparable to the rest of the industry.
- AFGD'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 AFGD is destroying value.
- AFGD has more shares outstanding than it did 1 year ago.
- AFGD has less shares outstanding than it did 5 years ago.
- Compared to 1 year ago, AFGD has an improved debt to assets ratio.
2.2 Solvency
- Based on the Altman-Z score of 0.58, we must say that AFGD is in the distress zone and has some risk of bankruptcy.
- Looking at the Altman-Z score, with a value of 0.58, AFGD is in the better half of the industry, outperforming 74.66% of the companies in the same industry.
- AFGD 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.
- Looking at the Debt to FCF ratio, with a value of 1.41, AFGD is in line with its industry, outperforming 58.22% of the companies in the same industry.
- A Debt/Equity ratio of 0.38 indicates that AFGD is not too dependend on debt financing.
- Looking at the Debt to Equity ratio, with a value of 0.38, AFGD is doing worse than 60.27% of the companies in the same industry.
- Even though the debt/equity ratio score it not favorable for AFGD, 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/WACC0.35
WACC6.77%
2.3 Liquidity
- A Current Ratio of 9.26 indicates that AFGD has no problem at all paying its short term obligations.
- Looking at the Current ratio, with a value of 9.26, AFGD belongs to the top of the industry, outperforming 97.95% of the companies in the same industry.
- A Quick Ratio of 9.26 indicates that AFGD has no problem at all paying its short term obligations.
- Looking at the Quick ratio, with a value of 9.26, AFGD belongs to the top of the industry, outperforming 97.95% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 9.26 | ||
| Quick Ratio | 9.26 |
3. Growth
3.1 Past
- AFGD shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -6.78%.
- Measured over the past 5 years, AFGD shows a small growth in Earnings Per Share. The EPS has been growing by 4.54% on average per year.
- Looking at the last year, AFGD shows a small growth in Revenue. The Revenue has grown by 0.13% in the last year.
- Measured over the past years, AFGD shows a small growth in Revenue. The Revenue has been growing by 0.16% on average per year.
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 5.73% on average over the next years.
- The Revenue is expected to grow by 3.36% on average over the next years.
EPS Next Y-6.66%
EPS Next 2Y3.48%
EPS Next 3Y4.53%
EPS Next 5Y5.73%
Revenue Next Year0.48%
Revenue Next 2Y2.71%
Revenue Next 3Y3.2%
Revenue Next 5Y3.36%
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.
- 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
- A Price/Earnings ratio of 2.17 indicates a rather cheap valuation of AFGD.
- Based on the Price/Earnings ratio, AFGD is valued cheaper than 89.73% of the companies in the same industry.
- AFGD is valuated cheaply when we compare the Price/Earnings ratio to 27.33, which is the current average of the S&P500 Index.
- Based on the Price/Forward Earnings ratio of 1.84, the valuation of AFGD can be described as very cheap.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of AFGD indicates a rather cheap valuation: AFGD is cheaper than 90.41% of the companies listed in the same industry.
- AFGD's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.12.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.17 | ||
| Fwd PE | 1.84 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, AFGD is valued cheaply inside the industry as 94.52% of the companies are valued more expensively.
- Based on the Price/Free Cash Flow ratio, AFGD is valued cheaply inside the industry as 91.10% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.37 | ||
| EV/EBITDA | 1.58 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.48
EPS Next 2Y3.48%
EPS Next 3Y4.53%
5. Dividend
5.1 Amount
- AFGD has a Yearly Dividend Yield of 2.61%.
- Compared to an average industry Dividend Yield of 2.42, AFGD pays a bit more dividend than its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.91, AFGD pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.61% |
5.2 History
- On average, the dividend of AFGD grows each year by 13.64%, which is quite nice.
- AFGD has been paying a dividend for over 5 years, so it has already some track record.
- AFGD has decreased its dividend in the last 3 years.
Dividend Growth(5Y)13.64%
Div Incr Years0
Div Non Decr Years2
5.3 Sustainability
- 96.49% of the earnings are spent on dividend by AFGD. This is not a sustainable payout ratio.
- AFGD's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP96.49%
EPS Next 2Y3.48%
EPS Next 3Y4.53%
AMERICAN FINANCIAL GROUP - AFG 5 5/8 06/01/60
NYSE:AFGD (1/14/2026, 7:00:00 PM)
21.14
+0.12 (+0.55%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-04 2025-11-04/amc
Earnings (Next)02-02 2026-02-02/amc
Inst Owners68.56%
Inst Owner ChangeN/A
Ins Owners17.96%
Ins Owner ChangeN/A
Market Cap1.76B
Revenue(TTM)8.23B
Net Income(TTM)798.00M
Analysts72
Price Target21.87 (3.45%)
Short Float %0%
Short Ratio0.16
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.61% |
Yearly Dividend9.4
Dividend Growth(5Y)13.64%
DP96.49%
Div Incr Years0
Div Non Decr Years2
Ex-DateN/A
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)-3.27%
PT rev (3m)4.72%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.46%
EPS NY rev (1m)0%
EPS NY rev (3m)5.15%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.61%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.27%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.17 | ||
| Fwd PE | 1.84 | ||
| P/S | 0.21 | ||
| P/FCF | 1.37 | ||
| P/OCF | 1.24 | ||
| P/B | 0.37 | ||
| P/tB | 0.42 | ||
| EV/EBITDA | 1.58 |
EPS(TTM)9.76
EY46.17%
EPS(NY)11.51
Fwd EY54.45%
FCF(TTM)15.48
FCFY73.22%
OCF(TTM)17.06
OCFY80.71%
SpS98.63
BVpS56.71
TBVpS50.49
PEG (NY)N/A
PEG (5Y)0.48
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
WACC6.77%
ROIC/WACC0.35
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 2Y3.48%
EPS Next 3Y4.53%
EPS Next 5Y5.73%
Revenue 1Y (TTM)0.13%
Revenue growth 3Y8.33%
Revenue growth 5Y0.16%
Sales Q2Q%-2.04%
Revenue Next Year0.48%
Revenue Next 2Y2.71%
Revenue Next 3Y3.2%
Revenue Next 5Y3.36%
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 5/8 06/01/60 / AFGD FAQ
What is the fundamental rating for AFGD stock?
ChartMill assigns a fundamental rating of 5 / 10 to AFGD.
Can you provide the valuation status for AMERICAN FINANCIAL GROUP - AFG 5 5/8 06/01/60?
ChartMill assigns a valuation rating of 7 / 10 to AMERICAN FINANCIAL GROUP - AFG 5 5/8 06/01/60 (AFGD). This can be considered as Undervalued.
How profitable is AMERICAN FINANCIAL GROUP - AFG 5 5/8 06/01/60 (AFGD) stock?
AMERICAN FINANCIAL GROUP - AFG 5 5/8 06/01/60 (AFGD) has a profitability rating of 4 / 10.
What is the valuation of AMERICAN FINANCIAL GROUP - AFG 5 5/8 06/01/60 based on its PE and PB ratios?
The Price/Earnings (PE) ratio for AMERICAN FINANCIAL GROUP - AFG 5 5/8 06/01/60 (AFGD) is 2.17 and the Price/Book (PB) ratio is 0.37.
Can you provide the financial health for AFGD stock?
The financial health rating of AMERICAN FINANCIAL GROUP - AFG 5 5/8 06/01/60 (AFGD) is 7 / 10.