AMERICAN FINANCIAL GROUP - AFG 4 1/2 09/15/60 (AFGE) Stock Fundamental Analysis

NYSE:AFGE • US0259328641

17.14 USD
-0.47 (-2.67%)
Last: Feb 27, 2026, 08:04 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Taking everything into account, AFGE scores 5 out of 10 in our fundamental rating. AFGE was compared to 150 industry peers in the Insurance industry. Both the profitability and the financial health of AFGE get a neutral evaluation. Nothing too spectacular is happening here. AFGE is valued quite cheap, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year AFGE was profitable.
  • AFGE had a positive operating cash flow in the past year.
  • Each year in the past 5 years AFGE has been profitable.
  • Of the past 5 years AFGE 4 years had a positive operating cash flow.
AFGE Yearly Net Income VS EBIT VS OCF VS FCFAFGE 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

  • The Return On Assets of AFGE (2.36%) is comparable to the rest of the industry.
  • The Return On Equity of AFGE (16.87%) is better than 76.67% of its industry peers.
  • AFGE 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
AFGE Yearly ROA, ROE, ROICAFGE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

1.3 Margins

  • With a Profit Margin value of 9.70%, AFGE perfoms like the industry average, outperforming 60.00% of the companies in the same industry.
  • In the last couple of years the Profit Margin of AFGE has declined.
  • With a Operating Margin value of 12.28%, AFGE perfoms like the industry average, outperforming 51.33% of the companies in the same industry.
  • AFGE'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
AFGE Yearly Profit, Operating, Gross MarginsAFGE 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

  • AFGE has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • AFGE has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
AFGE Yearly Shares OutstandingAFGE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
AFGE Yearly Total Debt VS Total AssetsAFGE 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

  • 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 73.33% 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.
  • AFGE's Debt to FCF ratio of 1.41 is fine compared to the rest of the industry. AFGE outperforms 60.67% of its industry peers.
  • 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 42.67% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.38
Debt/FCF 1.41
Altman-Z 0.57
ROIC/WACC0.37
WACC6.36%
AFGE Yearly LT Debt VS Equity VS FCFAFGE 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 AFGE has no problem at all paying its short term obligations.
  • Looking at the Current 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.
  • A Quick Ratio of 9.26 indicates that AFGE has no problem at all paying 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 RankSector Rank
Current Ratio 9.26
Quick Ratio 9.26
AFGE Yearly Current Assets VS Current LiabilitesAFGE 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

  • AFGE shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -4.28%.
  • The Earnings Per Share has been growing slightly by 3.97% on average over the past years.
  • AFGE shows a decrease in Revenue. In the last year, the revenue decreased by -1.70%.
  • Measured over the past years, AFGE shows a small growth in Revenue. The Revenue has been growing by 7.25% on average per year.
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, AFGE will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.29% on average per year.
  • Based on estimates for the next years, AFGE will show a small growth in Revenue. The Revenue will grow by 4.17% on average per year.
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

  • 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.
AFGE Yearly Revenue VS EstimatesAFGE 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
AFGE Yearly EPS VS EstimatesAFGE 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

  • With a Price/Earnings ratio of 1.67, the valuation of AFGE can be described as very cheap.
  • AFGE's Price/Earnings ratio is rather cheap when compared to the industry. AFGE is cheaper than 92.67% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of AFGE to the average of the S&P500 Index (27.10), we can say AFGE is valued rather cheaply.
  • AFGE is valuated cheaply with a Price/Forward Earnings ratio of 1.49.
  • 94.00% of the companies in the same industry are more expensive than AFGE, based on the Price/Forward Earnings ratio.
  • AFGE'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 1.67
Fwd PE 1.49
AFGE Price Earnings VS Forward Price EarningsAFGE 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, AFGE is valued cheaply inside the industry as 96.67% of the companies are valued more expensively.
  • AFGE's Price/Free Cash Flow ratio is rather cheap when compared to the industry. AFGE is cheaper than 93.33% of the companies in the same industry.
Industry RankSector Rank
P/FCF 1.11
EV/EBITDA 1.32
AFGE Per share dataAFGE 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)0.14
PEG (5Y)0.42
EPS Next 2Y9.46%
EPS Next 3Y9.29%

More info and screens

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

6

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 6.69%, AFGE is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.63, AFGE pays a better dividend. On top of this AFGE pays more dividend than 88.67% of the companies listed in the same industry.
  • AFGE's Dividend Yield is rather good when compared to the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 6.69%

5.2 History

  • On average, the dividend of AFGE grows each year by 13.64%, which is quite nice.
  • 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
AFGE Yearly Dividends per shareAFGE Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 96.49% of the earnings are spent on dividend by AFGE. This is not a sustainable payout ratio.
  • The dividend of AFGE is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP96.49%
EPS Next 2Y9.46%
EPS Next 3Y9.29%
AFGE Yearly Income VS Free CF VS DividendAFGE 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
AFGE Dividend Payout.AFGE Dividend Payout, showing the Payout Ratio.AFGE Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

AMERICAN FINANCIAL GROUP - AFG 4 1/2 09/15/60

NYSE:AFGE (2/27/2026, 8:04:00 PM)

17.14

-0.47 (-2.67%)

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 Cap1.43B
Revenue(TTM)8.14B
Net Income(TTM)798.00M
Analysts70
Price Target19.49 (13.71%)
Short Float %0.01%
Short Ratio0.52
Dividend
Industry RankSector Rank
Dividend Yield 6.69%
Yearly Dividend9.4
Dividend Growth(5Y)13.64%
DP96.49%
Div Incr Years0
Div Non Decr Years4
Ex-Date02-27
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)4.36%
PT rev (3m)9.7%
EPS NQ rev (1m)0.36%
EPS NQ rev (3m)0.09%
EPS NY rev (1m)0.26%
EPS NY rev (3m)-1.02%
Revenue NQ rev (1m)1.8%
Revenue NQ rev (3m)0.21%
Revenue NY rev (1m)0.28%
Revenue NY rev (3m)-2.04%
Valuation
Industry RankSector Rank
PE 1.67
Fwd PE 1.49
P/S 0.17
P/FCF 1.11
P/OCF 1
P/B 0.3
P/tB 0.34
EV/EBITDA 1.32
EPS(TTM)10.29
EY60.04%
EPS(NY)11.52
Fwd EY67.2%
FCF(TTM)15.48
FCFY90.29%
OCF(TTM)17.06
OCFY99.52%
SpS98.61
BVpS56.7
TBVpS50.48
PEG (NY)0.14
PEG (5Y)0.42
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 0.57
F-Score5
WACC6.36%
ROIC/WACC0.37
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 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 8 / 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 grow by 11.94% 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 6 / 10 and the dividend payout ratio is 96.49%.