AMERICAN FINANCIAL GROUP - AFG 5 5/8 06/01/60 (AFGD) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:AFGD - US0259328724
21 USD
+0.13 (+0.62%)
AFGD gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 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 scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
1. Profitability
1.1 Basic Checks
In the past year AFGD was profitable.
AFGD had a positive operating cash flow in the past year.
In the past 5 years AFGD has always been profitable.
Each year in the past 5 years AFGD had a positive operating cash flow.
1.2 Ratios
AFGD has a Return On Assets (2.36%) which is comparable to the rest of the industry.
AFGD has a Return On Equity of 16.87%. This is in the better half of the industry: AFGD outperforms 74.83% of its industry peers.
The Return On Invested Capital of AFGD (2.38%) is comparable to the rest of the industry.
The Average Return On Invested Capital over the past 3 years for AFGD is significantly below the industry average of 14.90%.
| 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 57.82% of the companies in the same 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
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
The number of shares outstanding for AFGD has been reduced compared to 5 years ago.
AFGD has a better debt/assets ratio than last year.
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 Altman-Z score of 0.58. This is in the better half of the industry: AFGD outperforms 71.43% of its industry peers.
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 has a Debt to FCF ratio of 1.41. This is comparable to the rest of the industry: AFGD outperforms 58.50% of its industry peers.
A Debt/Equity ratio of 0.38 indicates that AFGD is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.38, AFGD perfoms like the industry average, 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.
Looking at the Current 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.
A Quick Ratio of 9.26 indicates that AFGD has no problem at all paying its short term obligations.
With an excellent Quick ratio value of 9.26, AFGD belongs to the best 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%.
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.
The Revenue has been growing slightly by 0.13% in the past year.
The Revenue has been growing slightly by 0.16% on average over the past years.
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
AFGD is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.43% yearly.
The Revenue is expected to grow by 3.14% on average over the next years.
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
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
The Price/Earnings ratio is 2.15, which indicates a rather cheap valuation of AFGD.
Based on the Price/Earnings ratio, AFGD is valued cheaper than 89.12% of the companies in the same industry.
When comparing the Price/Earnings ratio of AFGD to the average of the S&P500 Index (26.76), we can say AFGD is valued rather cheaply.
AFGD is valuated cheaply with a Price/Forward Earnings ratio of 1.83.
Based on the Price/Forward Earnings ratio, AFGD is valued cheaper than 90.48% of the companies 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 23.96.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.15 | ||
| Fwd PE | 1.83 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, AFGD is valued cheaply inside the industry as 95.24% of the companies are valued more expensively.
AFGD's Price/Free Cash Flow ratio is rather cheap when compared to the industry. AFGD is cheaper than 91.16% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.36 | ||
| EV/EBITDA | 1.58 |
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
With a Yearly Dividend Yield of 2.64%, AFGD has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.48, AFGD pays a bit more dividend than its industry peers.
AFGD's Dividend Yield is comparable with the S&P500 average which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.64% |
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
AFGD pays out 96.49% of its income as dividend. 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 2Y3.4%
EPS Next 3Y4.43%
AMERICAN FINANCIAL GROUP - AFG 5 5/8 06/01/60
NYSE:AFGD (12/11/2025, 8:18:49 PM)
21
+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 (7.67%)
Short Float %0%
Short Ratio0.24
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.64% |
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)-3.97%
PT rev (3m)6.88%
EPS NQ rev (1m)1.27%
EPS NQ rev (3m)1.9%
EPS NY rev (1m)2.6%
EPS NY rev (3m)5.61%
Revenue NQ rev (1m)-1.46%
Revenue NQ rev (3m)-4.35%
Revenue NY rev (1m)-0.27%
Revenue NY rev (3m)0.15%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.15 | ||
| Fwd PE | 1.83 | ||
| P/S | 0.21 | ||
| P/FCF | 1.36 | ||
| P/OCF | 1.23 | ||
| P/B | 0.37 | ||
| P/tB | 0.42 | ||
| EV/EBITDA | 1.58 |
EPS(TTM)9.76
EY46.48%
EPS(NY)11.49
Fwd EY54.73%
FCF(TTM)15.48
FCFY73.71%
OCF(TTM)17.06
OCFY81.25%
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 3 / 10 and the dividend payout ratio is 96.49%.