AMERICAN FINANCIAL GROUP - AFG 5 5/8 06/01/60 (AFGD) Fundamental Analysis & Valuation

NYSE:AFGD • US0259328724

Current stock price

19.92 USD
+0.02 (+0.1%)
Last:

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

4

1. AFGD Profitability Analysis

1.1 Basic Checks

  • AFGD had positive earnings in the past year.
  • AFGD had a positive operating cash flow in the past year.
  • AFGD had positive earnings in each of the past 5 years.
  • Each year in the past 5 years AFGD had a positive operating cash flow.
AFGD Yearly Net Income VS EBIT VS OCF VS FCFAFGD 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

  • AFGD has a Return On Assets (2.58%) which is comparable to the rest of the industry.
  • Looking at the Return On Equity, with a value of 17.47%, AFGD is in the better half of the industry, outperforming 72.97% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 2.64%, AFGD is in line with its industry, outperforming 50.00% of the companies in the same industry.
  • AFGD had an Average Return On Invested Capital over the past 3 years of 2.71%. This is significantly below the industry average of 9.46%.
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%
AFGD Yearly ROA, ROE, ROICAFGD Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

1.3 Margins

  • Looking at the Profit Margin, with a value of 10.34%, AFGD is in the better half of the industry, outperforming 64.19% of the companies in the same industry.
  • In the last couple of years the Profit Margin of AFGD has declined.
  • AFGD has a Operating Margin (13.38%) which is in line with its industry peers.
  • AFGD'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
AFGD Yearly Profit, Operating, Gross MarginsAFGD 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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6

2. AFGD Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), AFGD is destroying value.
  • Compared to 1 year ago, AFGD has less shares outstanding
  • Compared to 5 years ago, AFGD has less shares outstanding
  • The debt/assets ratio for AFGD is higher compared to a year ago.
AFGD Yearly Shares OutstandingAFGD Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
AFGD Yearly Total Debt VS Total AssetsAFGD 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

  • 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.
  • AFGD's Altman-Z score of 0.58 is fine compared to the rest of the industry. AFGD outperforms 73.65% of its industry peers.
  • The Debt to FCF ratio of AFGD is 1.30, which is an excellent value as it means it would take AFGD, only 1.30 years of fcf income to pay off all of its debts.
  • AFGD has a Debt to FCF ratio (1.30) which is in line with its industry peers.
  • AFGD has a Debt/Equity ratio of 0.38. This is a healthy value indicating a solid balance between debt and equity.
  • AFGD 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 0.58
ROIC/WACC0.42
WACC6.27%
AFGD Yearly LT Debt VS Equity VS FCFAFGD 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 AFGD has no problem at all paying its short term obligations.
  • AFGD has a Current ratio of 5.61. This is amongst the best in the industry. AFGD outperforms 98.65% of its industry peers.
  • A Quick Ratio of 5.61 indicates that AFGD has no problem at all paying its short term obligations.
  • AFGD has a Quick ratio of 5.61. This is amongst the best in the industry. AFGD outperforms 98.65% of its industry peers.
Industry RankSector Rank
Current Ratio 5.61
Quick Ratio 5.61
AFGD Yearly Current Assets VS Current LiabilitesAFGD 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. AFGD Growth Analysis

3.1 Past

  • The earnings per share for AFGD have decreased by -4.28% in the last year.
  • AFGD 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.
  • The Revenue has been growing slightly by 7.25% on average over the past years.
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, AFGD 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 3.73% 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

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • 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.
AFGD Yearly Revenue VS EstimatesAFGD 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
AFGD Yearly EPS VS EstimatesAFGD 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. AFGD Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 1.94, 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 26.21.
  • Based on the Price/Forward Earnings ratio of 1.78, 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 89.86% 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 23.13.
Industry RankSector Rank
PE 1.94
Fwd PE 1.78
AFGD Price Earnings VS Forward Price EarningsAFGD Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of AFGD indicates a rather cheap valuation: AFGD is cheaper than 93.92% of the companies listed in the same industry.
  • 90.54% of the companies in the same industry are more expensive than AFGD, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 1.19
EV/EBITDA 1.49
AFGD Per share dataAFGD EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

  • AFGD's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.22
PEG (5Y)0.49
EPS Next 2Y8.66%
EPS Next 3Y8.39%

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

5

5. AFGD Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.80%, AFGD has a reasonable but not impressive dividend return.
  • AFGD's Dividend Yield is a higher than the industry average which is at 2.55.
  • Compared to an average S&P500 Dividend Yield of 1.89, AFGD pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.8%

5.2 History

  • The dividend of AFGD is nicely growing with an annual growth rate of 13.79%!
  • AFGD has been paying a dividend for over 5 years, so it has already some track record.
  • AFGD has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)13.79%
Div Incr Years0
Div Non Decr Years3
AFGD Yearly Dividends per shareAFGD Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 2026 0.5 1

5.3 Sustainability

  • AFGD pays out 71.97% 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.
DP71.97%
EPS Next 2Y8.66%
EPS Next 3Y8.39%
AFGD Yearly Income VS Free CF VS DividendAFGD 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
AFGD Dividend Payout.AFGD Dividend Payout, showing the Payout Ratio.AFGD Dividend Payout.PayoutRetained Earnings

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AFGD Fundamentals: All Metrics, Ratios and Statistics

AMERICAN FINANCIAL GROUP - AFG 5 5/8 06/01/60

NYSE:AFGD (4/7/2026, 10:30:58 AM)

19.92

+0.02 (+0.1%)

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 ChangeN/A
Market Cap1.66B
Revenue(TTM)8.14B
Net Income(TTM)842.00M
Analysts70.91
Price Target23.32 (17.07%)
Short Float %0.01%
Short Ratio1.15
Dividend
Industry RankSector Rank
Dividend Yield 2.8%
Yearly Dividend7.24
Dividend Growth(5Y)13.79%
DP71.97%
Div Incr Years0
Div Non Decr Years3
Ex-Date02-13
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%
PT rev (3m)6.64%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.98%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.74%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.94%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.74%
Valuation
Industry RankSector Rank
PE 1.94
Fwd PE 1.78
P/S 0.2
P/FCF 1.19
P/OCF 1.08
P/B 0.34
P/tB 0.39
EV/EBITDA 1.49
EPS(TTM)10.29
EY51.66%
EPS(NY)11.2
Fwd EY56.2%
FCF(TTM)16.78
FCFY84.25%
OCF(TTM)18.4
OCFY92.39%
SpS97.72
BVpS57.86
TBVpS51.67
PEG (NY)0.22
PEG (5Y)0.49
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 0.58
F-Score5
WACC6.27%
ROIC/WACC0.42
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 5/8 06/01/60 / AFGD Fundamental Analysis 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 8 / 10 to AMERICAN FINANCIAL GROUP - AFG 5 5/8 06/01/60 (AFGD). This can be considered as Undervalued.


Can you provide the profitability details for AMERICAN FINANCIAL GROUP - AFG 5 5/8 06/01/60?

AMERICAN FINANCIAL GROUP - AFG 5 5/8 06/01/60 (AFGD) has a profitability rating of 4 / 10.


Can you provide the expected EPS growth for AFGD stock?

The Earnings per Share (EPS) of AMERICAN FINANCIAL GROUP - AFG 5 5/8 06/01/60 (AFGD) is expected to grow by 8.8% in the next year.


How sustainable is the dividend of AMERICAN FINANCIAL GROUP - AFG 5 5/8 06/01/60 (AFGD) stock?

The dividend rating of AMERICAN FINANCIAL GROUP - AFG 5 5/8 06/01/60 (AFGD) is 5 / 10 and the dividend payout ratio is 71.97%.