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
+0.13 (+0.62%)
Taking everything into account, AFGD scores 5 out of 10 in our fundamental rating. AFGD was compared to 147 industry peers in the Insurance industry. Both the profitability and the financial health of AFGD get a neutral evaluation. Nothing too spectacular is happening here. AFGD is valued quite cheap, while showing a decent growth score. This is a good combination!
1. Profitability
1.1 Basic Checks
In the past year AFGD was profitable.
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 has a Return On Assets (2.36%) which is comparable to the rest of the industry.
With a decent Return On Equity value of 16.87%, AFGD is doing good in the industry, outperforming 74.83% of the companies in the same industry.
AFGD has a Return On Invested Capital (2.38%) which is comparable to the rest of the industry.
AFGD had an Average Return On Invested Capital over the past 3 years of 2.95%. This is significantly below the industry average of 14.89%.
| 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
The Profit Margin of AFGD (9.70%) is comparable to the rest of the industry.
AFGD's Profit Margin has been stable in the last couple of years.
AFGD's Operating Margin of 12.28% is in line compared to the rest of the industry. AFGD outperforms 48.30% of its industry peers.
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.
The number of shares outstanding for AFGD has been increased compared to 1 year ago.
Compared to 5 years ago, AFGD has less shares outstanding
The debt/assets ratio for AFGD has been reduced compared to a year ago.
2.2 Solvency
AFGD has an Altman-Z score of 0.58. This is a bad value and indicates that AFGD is not financially healthy and even has some risk of bankruptcy.
With a decent Altman-Z score value of 0.58, AFGD is doing good in the industry, outperforming 72.79% of the companies in the same industry.
The Debt to FCF ratio of AFGD is 1.41, which is an excellent value as it means it would take AFGD, only 1.41 years of fcf income to pay off all of its debts.
AFGD's Debt to FCF ratio of 1.41 is in line compared to the rest of the industry. AFGD outperforms 59.18% of its industry peers.
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 in line with its industry, outperforming 40.14% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.38 | ||
| Debt/FCF | 1.41 | ||
| Altman-Z | 0.58 |
ROIC/WACC0.36
WACC6.58%
2.3 Liquidity
AFGD has a Current Ratio of 9.26. This indicates that AFGD is financially healthy and has no problem in meeting its short term obligations.
AFGD has a Current ratio of 9.26. This is amongst the best in the industry. AFGD outperforms 97.96% of its industry peers.
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 97.96% 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%.
AFGD shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.54% yearly.
The Revenue has been growing slightly by 0.13% in the past 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 4.43% on average over the next years.
Based on estimates for the next years, AFGD will show a small growth in Revenue. The Revenue will grow by 3.14% on average per year.
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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
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
With a Price/Earnings ratio of 2.15, the valuation of AFGD can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of AFGD indicates a rather cheap valuation: AFGD is cheaper than 89.80% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of AFGD to the average of the S&P500 Index (26.22), we can say AFGD is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 1.82, the valuation of AFGD can be described as very cheap.
Based on the Price/Forward Earnings ratio, AFGD is valued cheaply inside the industry as 90.48% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 23.58. AFGD is valued rather cheaply when compared to this.
| 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 95.92% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, AFGD is valued cheaper than 91.16% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.35 | ||
| EV/EBITDA | 1.57 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.47
EPS Next 2Y3.4%
EPS Next 3Y4.43%
5. Dividend
5.1 Amount
AFGD has a Yearly Dividend Yield of 2.59%.
Compared to an average industry Dividend Yield of 2.64, AFGD pays a bit more dividend than its industry peers.
AFGD's Dividend Yield is a higher than the S&P500 average which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.59% |
5.2 History
The dividend of AFGD is nicely growing with an annual growth rate of 13.64%!
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
AFGD pays out 96.49% of its income as dividend. This is not a sustainable payout ratio.
The dividend of AFGD 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 5/8 06/01/60
NYSE:AFGD (12/18/2025, 11:11:20 AM)
20.95
+0.13 (+0.62%)
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 Cap1.75B
Revenue(TTM)8.23B
Net Income(TTM)798.00M
Analysts72
Price Target22.61 (7.92%)
Short Float %0%
Short Ratio0.13
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.59% |
Yearly Dividend9.4
Dividend Growth(5Y)13.64%
DP96.49%
Div Incr Years0
Div Non Decr Years2
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)5.66%
PT rev (3m)5.61%
EPS NQ rev (1m)1.27%
EPS NQ rev (3m)1.65%
EPS NY rev (1m)2.6%
EPS NY rev (3m)5.61%
Revenue NQ rev (1m)-1.46%
Revenue NQ rev (3m)-2.61%
Revenue NY rev (1m)-0.27%
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 | 1.57 |
EPS(TTM)9.76
EY46.59%
EPS(NY)11.49
Fwd EY54.86%
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
WACC6.58%
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 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.
What is the valuation status for AFGD stock?
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.
How financially healthy is AMERICAN FINANCIAL GROUP - AFG 5 5/8 06/01/60?
The financial health rating of AMERICAN FINANCIAL GROUP - AFG 5 5/8 06/01/60 (AFGD) is 6 / 10.
Is the dividend of AMERICAN FINANCIAL GROUP - AFG 5 5/8 06/01/60 sustainable?
The dividend rating of AMERICAN FINANCIAL GROUP - AFG 5 5/8 06/01/60 (AFGD) is 4 / 10 and the dividend payout ratio is 96.49%.