AMERICAN FINANCIAL GROUP - AFG 5 5/8 06/01/60 (AFGD) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:AFGD - US0259328724
20.95 USD
-0.01 (-0.05%)
AFGD gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 148 industry peers in the Insurance industry. AFGD has only an average score on both its financial health and profitability. AFGD may be a bit undervalued, certainly considering the very reasonable score on growth
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.
In the past 5 years AFGD has always 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 56.08% of its industry peers.
The Return On Equity of AFGD (16.87%) is better than 75.68% of its industry peers.
With a Return On Invested Capital value of 2.38%, AFGD perfoms like the industry average, outperforming 52.70% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for AFGD is significantly below the industry average of 14.93%.
| 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
With a Profit Margin value of 9.70%, AFGD perfoms like the industry average, outperforming 58.78% of the companies in the same industry.
AFGD's Profit Margin has been stable in the last couple of years.
With a Operating Margin value of 12.28%, AFGD perfoms like the industry average, outperforming 49.32% of the companies in the same industry.
In the last couple of years the Operating Margin of AFGD has declined.
| 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
AFGD has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, AFGD has more shares outstanding
Compared to 5 years ago, AFGD has less shares outstanding
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.
AFGD has a better Altman-Z score (0.58) than 73.65% of its industry peers.
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.
AFGD has a Debt to FCF ratio (1.41) which is comparable to the rest of the industry.
AFGD 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, AFGD is in line with its industry, outperforming 40.54% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.38 | ||
| Debt/FCF | 1.41 | ||
| Altman-Z | 0.58 |
ROIC/WACC0.35
WACC6.79%
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 97.97% 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.
AFGD has a Quick ratio of 9.26. This is amongst the best in the industry. AFGD outperforms 97.97% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 9.26 | ||
| Quick Ratio | 9.26 |
3. Growth
3.1 Past
The earnings per share for AFGD 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.
AFGD shows a small growth in Revenue. In the last year, the Revenue has grown by 0.13%.
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
Based on estimates for the next years, AFGD will show a small growth in Earnings Per Share. The EPS will grow by 4.53% on average per year.
AFGD is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.20% yearly.
EPS Next Y-6.66%
EPS Next 2Y3.48%
EPS Next 3Y4.53%
EPS Next 5YN/A
Revenue Next Year0.48%
Revenue Next 2Y2.71%
Revenue Next 3Y3.2%
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.
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
With a Price/Earnings ratio of 2.15, the valuation of AFGD can be described as very cheap.
Based on the Price/Earnings ratio, AFGD is valued cheaply inside the industry as 89.86% of the companies are valued more expensively.
AFGD's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.00.
AFGD is valuated cheaply with a Price/Forward Earnings ratio of 1.82.
90.54% of the companies in the same industry are more expensive than AFGD, based on the Price/Forward Earnings ratio.
AFGD is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.70, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.15 | ||
| Fwd PE | 1.82 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, AFGD is valued cheaply inside the industry as 95.27% of the companies are valued more expensively.
91.22% of the companies in the same industry are more expensive than AFGD, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.35 | ||
| EV/EBITDA | 1.58 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.47
EPS Next 2Y3.48%
EPS Next 3Y4.53%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.58%, AFGD has a reasonable but not impressive dividend return.
AFGD's Dividend Yield is a higher than the industry average which is at 2.48.
Compared to an average S&P500 Dividend Yield of 1.94, AFGD pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.58% |
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.
The dividend of AFGD decreased 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 (1/8/2026, 8:04:00 PM)
20.95
-0.01 (-0.05%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners68.56%
Inst Owner ChangeN/A
Ins Owners17.96%
Ins Owner ChangeN/A
Market Cap1.75B
Revenue(TTM)8.23B
Net Income(TTM)798.00M
Analysts72
Price Target21.87 (4.39%)
Short Float %0%
Short Ratio0.16
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.58% |
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)0.84%
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 | 2.15 | ||
| Fwd PE | 1.82 | ||
| P/S | 0.21 | ||
| P/FCF | 1.35 | ||
| P/OCF | 1.23 | ||
| P/B | 0.37 | ||
| P/tB | 0.41 | ||
| EV/EBITDA | 1.58 |
EPS(TTM)9.76
EY46.59%
EPS(NY)11.51
Fwd EY54.95%
FCF(TTM)15.48
FCFY73.89%
OCF(TTM)17.06
OCFY81.44%
SpS98.63
BVpS56.71
TBVpS50.49
PEG (NY)N/A
PEG (5Y)0.47
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
WACC6.79%
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 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 2Y2.71%
Revenue Next 3Y3.2%
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 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 2.15 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 6 / 10.