AMERICAN FINANCIAL GROUP - AFG 4 1/2 09/15/60 (AFGE) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:AFGE - US0259328641
17.41 USD
+0.06 (+0.35%)
AFGE gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 149 industry peers in the Insurance industry. While AFGE has a great health rating, its profitability is only average at the moment. A decent growth rate in combination with a cheap valuation! Better keep an eye on AFGE.
1. Profitability
1.1 Basic Checks
- In the past year AFGE was profitable.
- In the past year AFGE had a positive cash flow from operations.
- In the past 5 years AFGE has always been profitable.
- AFGE had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- Looking at the Return On Assets, with a value of 2.36%, AFGE is in line with its industry, outperforming 57.05% of the companies in the same industry.
- AFGE has a better Return On Equity (16.87%) than 76.51% of its industry peers.
- AFGE has a Return On Invested Capital (2.38%) which is comparable to the rest of the industry.
- The Average Return On Invested Capital over the past 3 years for AFGE is significantly below the industry average of 14.92%.
| 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 AFGE (9.70%) is comparable to the rest of the industry.
- AFGE's Profit Margin has been stable in the last couple of years.
- Looking at the Operating Margin, with a value of 12.28%, AFGE is in line with its industry, outperforming 50.34% of the companies in the same industry.
- In the last couple of years the Operating Margin of AFGE 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
- AFGE has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- AFGE has more shares outstanding than it did 1 year ago.
- Compared to 5 years ago, AFGE has less shares outstanding
- Compared to 1 year ago, AFGE has an improved debt to assets ratio.
2.2 Solvency
- Based on the Altman-Z score of 0.57, we must say that AFGE is in the distress zone and has some risk of bankruptcy.
- AFGE has a Altman-Z score of 0.57. This is in the better half of the industry: AFGE outperforms 71.81% of its industry peers.
- AFGE 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.
- With a decent Debt to FCF ratio value of 1.41, AFGE is doing good in the industry, outperforming 60.40% of the companies in the same industry.
- AFGE 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, AFGE is in line with its industry, outperforming 42.28% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.38 | ||
| Debt/FCF | 1.41 | ||
| Altman-Z | 0.57 |
ROIC/WACC0.35
WACC6.83%
2.3 Liquidity
- AFGE has a Current Ratio of 9.26. This indicates that AFGE is financially healthy and has no problem in meeting its short term obligations.
- AFGE has a better Current ratio (9.26) than 99.33% of its industry peers.
- AFGE has a Quick Ratio of 9.26. This indicates that AFGE is financially healthy and has no problem in meeting its short term obligations.
- Looking at the Quick ratio, with a value of 9.26, AFGE belongs to the top of the industry, outperforming 99.33% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 9.26 | ||
| Quick Ratio | 9.26 |
3. Growth
3.1 Past
- AFGE 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, AFGE shows a small growth in Earnings Per Share. The EPS has been growing by 4.54% on average per year.
- Looking at the last year, AFGE shows a small growth in Revenue. The Revenue has grown by 0.13% in the last 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
- Based on estimates for the next years, AFGE will show a small growth in Earnings Per Share. The EPS will grow by 5.73% on average per year.
- Based on estimates for the next years, AFGE will show a small growth in Revenue. The Revenue will grow by 3.36% on average per year.
EPS Next Y-6.66%
EPS Next 2Y3.48%
EPS Next 3Y4.53%
EPS Next 5Y5.73%
Revenue Next Year0.48%
Revenue Next 2Y2.69%
Revenue Next 3Y3.18%
Revenue Next 5Y3.36%
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 accelerating.
4. Valuation
4.1 Price/Earnings Ratio
- AFGE is valuated cheaply with a Price/Earnings ratio of 1.78.
- 91.95% of the companies in the same industry are more expensive than AFGE, based on the Price/Earnings ratio.
- The average S&P500 Price/Earnings ratio is at 27.32. AFGE is valued rather cheaply when compared to this.
- The Price/Forward Earnings ratio is 1.51, which indicates a rather cheap valuation of AFGE.
- Based on the Price/Forward Earnings ratio, AFGE is valued cheaper than 93.96% of the companies in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.30, AFGE is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.78 | ||
| Fwd PE | 1.51 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, AFGE is valued cheaper than 97.32% of the companies in the same industry.
- Based on the Price/Free Cash Flow ratio, AFGE is valued cheaply inside the industry as 93.96% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.12 | ||
| EV/EBITDA | 1.3 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.39
EPS Next 2Y3.48%
EPS Next 3Y4.53%
5. Dividend
5.1 Amount
- AFGE has a Yearly Dividend Yield of 2.67%. Purely for dividend investing, there may be better candidates out there.
- AFGE's Dividend Yield is a higher than the industry average which is at 2.53.
- AFGE's Dividend Yield is a higher than the S&P500 average which is at 1.86.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.67% |
5.2 History
- The dividend of AFGE is nicely growing with an annual growth rate of 13.64%!
- AFGE has been paying a dividend for over 5 years, so it has already some track record.
- AFGE has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)13.64%
Div Incr Years0
Div Non Decr Years4
5.3 Sustainability
- 96.49% of the earnings are spent on dividend by AFGE. This is not a sustainable payout ratio.
- AFGE'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 4 1/2 09/15/60
NYSE:AFGE (1/21/2026, 8:04:00 PM)
17.41
+0.06 (+0.35%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-04 2025-11-04/amc
Earnings (Next)02-03 2026-02-03/amc
Inst Owners68.56%
Inst Owner ChangeN/A
Ins Owners17.96%
Ins Owner ChangeN/A
Market Cap1.45B
Revenue(TTM)8.23B
Net Income(TTM)798.00M
Analysts72
Price Target18.68 (7.29%)
Short Float %0%
Short Ratio0.17
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.67% |
Yearly Dividend9.4
Dividend Growth(5Y)13.64%
DP96.49%
Div Incr Years0
Div Non Decr Years4
Ex-Date02-27 2026-02-27 (0.28125)
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)3.5%
PT rev (3m)5.69%
EPS NQ rev (1m)-0.57%
EPS NQ rev (3m)1.42%
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 | 1.78 | ||
| Fwd PE | 1.51 | ||
| P/S | 0.18 | ||
| P/FCF | 1.12 | ||
| P/OCF | 1.02 | ||
| P/B | 0.31 | ||
| P/tB | 0.34 | ||
| EV/EBITDA | 1.3 |
EPS(TTM)9.76
EY56.06%
EPS(NY)11.51
Fwd EY66.12%
FCF(TTM)15.48
FCFY88.91%
OCF(TTM)17.06
OCFY98%
SpS98.63
BVpS56.71
TBVpS50.49
PEG (NY)N/A
PEG (5Y)0.39
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 | 0.57 |
F-Score5
WACC6.83%
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 5Y5.73%
Revenue 1Y (TTM)0.13%
Revenue growth 3Y8.33%
Revenue growth 5Y0.16%
Sales Q2Q%-2.04%
Revenue Next Year0.48%
Revenue Next 2Y2.69%
Revenue Next 3Y3.18%
Revenue Next 5Y3.36%
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 4 1/2 09/15/60 / AFGE FAQ
What is the fundamental rating for AFGE stock?
ChartMill assigns a fundamental rating of 5 / 10 to AFGE.
What is the valuation status of AMERICAN FINANCIAL GROUP - AFG 4 1/2 09/15/60 (AFGE) stock?
ChartMill assigns a valuation rating of 7 / 10 to AMERICAN FINANCIAL GROUP - AFG 4 1/2 09/15/60 (AFGE). This can be considered as Undervalued.
Can you provide the profitability details for AMERICAN FINANCIAL GROUP - AFG 4 1/2 09/15/60?
AMERICAN FINANCIAL GROUP - AFG 4 1/2 09/15/60 (AFGE) has a profitability rating of 4 / 10.
What is the expected EPS growth for AMERICAN FINANCIAL GROUP - AFG 4 1/2 09/15/60 (AFGE) stock?
The Earnings per Share (EPS) of AMERICAN FINANCIAL GROUP - AFG 4 1/2 09/15/60 (AFGE) is expected to decline by -6.66% in the next year.
How sustainable is the dividend of AMERICAN FINANCIAL GROUP - AFG 4 1/2 09/15/60 (AFGE) stock?
The dividend rating of AMERICAN FINANCIAL GROUP - AFG 4 1/2 09/15/60 (AFGE) is 4 / 10 and the dividend payout ratio is 96.49%.