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

NYSE:AFGD • US0259328724

21 USD
-0.26 (-1.22%)
Last: Feb 13, 2026, 08:04 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Overall AFGD gets a fundamental rating of 5 out of 10. We evaluated AFGD against 149 industry peers in the Insurance industry. AFGD has an average financial health and profitability rating. AFGD has a bad growth rate and is valued cheaply.


Dividend Valuation Growth Profitability Health

4

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.
  • Of the past 5 years AFGD 4 years 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 (2.36%) which is comparable to the rest of the industry.
  • AFGD's Return On Equity of 16.87% is fine compared to the rest of the industry. AFGD outperforms 75.84% of its industry peers.
  • AFGD has a Return On Invested Capital (2.36%) which is in line with its industry peers.
Industry RankSector Rank
ROA 2.36%
ROE 16.87%
ROIC 2.36%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
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 9.70%, AFGD is in line with its industry, outperforming 59.06% of the companies in the same industry.
  • AFGD's Profit Margin has declined in the last couple of years.
  • The Operating Margin of AFGD (12.28%) is comparable to the rest of the industry.
  • AFGD's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 12.28%
PM (TTM) 9.7%
GM N/A
OM growth 3Y-6.41%
OM growth 5Y14.25%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

6

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), AFGD is destroying value.
  • AFGD has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
AFGD Yearly Shares OutstandingAFGD Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 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 has a better Altman-Z score (0.58) than 75.17% 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.
  • The Debt to FCF ratio of AFGD (1.41) is comparable to the rest of the industry.
  • A Debt/Equity ratio of 0.38 indicates that AFGD is not too dependend on debt financing.
  • AFGD's Debt to Equity ratio of 0.38 is in line compared to the rest of the industry. AFGD outperforms 40.94% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.38
Debt/FCF 1.41
Altman-Z 0.58
ROIC/WACC0.36
WACC6.53%
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 2B 4B 6B

2.3 Liquidity

  • A Current Ratio of 9.26 indicates that AFGD has no problem at all paying its short term obligations.
  • AFGD has a better Current ratio (9.26) than 97.99% of its industry peers.
  • 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 97.99% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 9.26
Quick Ratio 9.26
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 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. Growth

3.1 Past

  • The earnings per share for AFGD have decreased by -4.28% in the last year.
  • Measured over the past 5 years, AFGD shows a small growth in Earnings Per Share. The EPS has been growing by 3.97% on average per year.
  • AFGD shows a decrease in Revenue. In the last year, the revenue decreased by -1.70%.
  • 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

  • The Earnings Per Share is expected to grow by 9.29% on average over the next years. This is quite good.
  • AFGD is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.17% yearly.
EPS Next Y11.94%
EPS Next 2Y9.46%
EPS Next 3Y9.29%
EPS Next 5YN/A
Revenue Next Year4.83%
Revenue Next 2Y4.61%
Revenue Next 3Y4.17%
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 accelerating.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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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Find the best growth stocksShow best growing peers

8

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 2.04, the valuation of AFGD can be described as very cheap.
  • Based on the Price/Earnings ratio, AFGD is valued cheaply inside the industry as 89.93% of the companies are valued more expensively.
  • When comparing the Price/Earnings ratio of AFGD to the average of the S&P500 Index (26.68), we can say AFGD is valued rather cheaply.
  • With a 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 cheaper than 91.28% 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 28.06.
Industry RankSector Rank
PE 2.04
Fwd PE 1.82
AFGD Price Earnings VS Forward Price EarningsAFGD Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, AFGD is valued cheaply inside the industry as 94.63% of the companies are valued more expensively.
  • Based on the Price/Free Cash Flow ratio, AFGD is valued cheaper than 91.28% of the companies in the same industry.
Industry RankSector Rank
P/FCF 1.36
EV/EBITDA 1.58
AFGD Per share dataAFGD EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.17
PEG (5Y)0.51
EPS Next 2Y9.46%
EPS Next 3Y9.29%

More info and screens

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

5

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 6.69%, AFGD is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.67, AFGD pays a better dividend. On top of this AFGD pays more dividend than 87.25% of the companies listed in the same industry.
  • AFGD's Dividend Yield is rather good when compared to the S&P500 average which is at 1.84.
Industry RankSector Rank
Dividend Yield 6.69%

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
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

  • 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 2Y9.46%
EPS Next 3Y9.29%
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

More info and screens

Find the best dividend stocksShow peers with best dividend

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

NYSE:AFGD (2/13/2026, 8:04:00 PM)

21

-0.26 (-1.22%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-03
Earnings (Next)05-04
Inst Owners68.56%
Inst Owner ChangeN/A
Ins Owners17.96%
Ins Owner ChangeN/A
Market Cap1.75B
Revenue(TTM)8.14B
Net Income(TTM)798.00M
Analysts70
Price Target23.52 (12%)
Short Float %0.01%
Short Ratio0.75
Dividend
Industry RankSector Rank
Dividend Yield 6.69%
Yearly Dividend9.4
Dividend Growth(5Y)13.64%
DP96.49%
Div Incr Years0
Div Non Decr Years2
Ex-Date02-13
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)7.54%
PT rev (3m)9.91%
EPS NQ rev (1m)1.17%
EPS NQ rev (3m)1.87%
EPS NY rev (1m)0.06%
EPS NY rev (3m)-1.02%
Revenue NQ rev (1m)2.3%
Revenue NQ rev (3m)0.81%
Revenue NY rev (1m)0.36%
Revenue NY rev (3m)-2.04%
Valuation
Industry RankSector Rank
PE 2.04
Fwd PE 1.82
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)10.29
EY49%
EPS(NY)11.52
Fwd EY54.85%
FCF(TTM)15.48
FCFY73.69%
OCF(TTM)17.06
OCFY81.23%
SpS98.61
BVpS56.7
TBVpS50.48
PEG (NY)0.17
PEG (5Y)0.51
Graham Number114.58
Profitability
Industry RankSector Rank
ROA 2.36%
ROE 16.87%
ROCE 3.01%
ROIC 2.36%
ROICexc 2.5%
ROICexgc 2.75%
OM 12.28%
PM (TTM) 9.7%
GM N/A
FCFM 15.69%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-6.41%
OM growth 5Y14.25%
PM growth 3Y-6.86%
PM growth 5Y-4.11%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.24
Health
Industry RankSector 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
WACC6.53%
ROIC/WACC0.36
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-4.28%
EPS 3Y-4.03%
EPS 5Y3.97%
EPS Q2Q%16.99%
EPS Next Y11.94%
EPS Next 2Y9.46%
EPS Next 3Y9.29%
EPS Next 5YN/A
Revenue 1Y (TTM)-1.7%
Revenue growth 3Y5.09%
Revenue growth 5Y7.25%
Sales Q2Q%-2.38%
Revenue Next Year4.83%
Revenue Next 2Y4.61%
Revenue Next 3Y4.17%
Revenue Next 5YN/A
EBIT growth 1Y-7.08%
EBIT growth 3Y-1.65%
EBIT growth 5Y22.54%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y17.15%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y15.32%
OCF growth 3YN/A
OCF growth 5YN/A

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 8 / 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 2.04 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.