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

NYSE:AFGE • US0259328641

Current stock price

16.2 USD
-0.21 (-1.28%)
Last:

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

4

1. AFGE Profitability Analysis

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.
  • Each year in the past 5 years AFGE 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

  • Looking at the Return On Assets, with a value of 2.58%, AFGE is in line with its industry, outperforming 59.18% of the companies in the same industry.
  • AFGE's Return On Equity of 17.47% is fine compared to the rest of the industry. AFGE outperforms 74.15% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 2.64%, AFGE is in line with its industry, outperforming 49.66% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for AFGE is significantly below the industry average of 9.36%.
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%
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 decent Profit Margin value of 10.34%, AFGE is doing good in the industry, outperforming 65.31% of the companies in the same industry.
  • AFGE's Profit Margin has declined in the last couple of years.
  • The Operating Margin of AFGE (13.38%) is comparable to the rest of the industry.
  • AFGE'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
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

7

2. AFGE Health Analysis

2.1 Basic Checks

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

2.2 Solvency

  • AFGE has an Altman-Z score of 0.57. This is a bad value and indicates that AFGE is not financially healthy and even has some risk of bankruptcy.
  • With a decent Altman-Z score value of 0.57, AFGE is doing good in the industry, outperforming 72.11% of the companies in the same industry.
  • The Debt to FCF ratio of AFGE is 1.30, which is an excellent value as it means it would take AFGE, only 1.30 years of fcf income to pay off all of its debts.
  • With a decent Debt to FCF ratio value of 1.30, AFGE is doing good in the industry, outperforming 60.54% of the companies in the same industry.
  • A Debt/Equity ratio of 0.38 indicates that AFGE is not too dependend on debt financing.
  • AFGE has a Debt to Equity ratio (0.38) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.38
Debt/FCF 1.3
Altman-Z 0.57
ROIC/WACC0.43
WACC6.19%
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 2025 2B 4B 6B

2.3 Liquidity

  • AFGE has a Current Ratio of 5.61. This indicates that AFGE is financially healthy and has no problem in meeting its short term obligations.
  • AFGE has a better Current ratio (5.61) than 100.00% of its industry peers.
  • A Quick Ratio of 5.61 indicates that AFGE has no problem at all paying its short term obligations.
  • Looking at the Quick ratio, with a value of 5.61, AFGE belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 5.61
Quick Ratio 5.61
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 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. AFGE Growth Analysis

3.1 Past

  • The earnings per share for AFGE have decreased by -4.28% in the last year.
  • Measured over the past 5 years, AFGE shows a small growth in Earnings Per Share. The EPS has been growing by 3.97% on average per year.
  • AFGE shows a decrease in Revenue. In the last year, the revenue decreased by -1.70%.
  • AFGE shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.25% yearly.
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 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

  • 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.
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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8

4. AFGE Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 1.57, which indicates a rather cheap valuation of AFGE.
  • Compared to the rest of the industry, the Price/Earnings ratio of AFGE indicates a rather cheap valuation: AFGE is cheaper than 92.52% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 24.75. AFGE is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 1.45, the valuation of AFGE can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, AFGE is valued cheaper than 93.20% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.10, AFGE is valued rather cheaply.
Industry RankSector Rank
PE 1.57
Fwd PE 1.45
AFGE Price Earnings VS Forward Price EarningsAFGE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, AFGE is valued cheaper than 95.92% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, AFGE is valued cheaper than 92.52% of the companies in the same industry.
Industry RankSector Rank
P/FCF 0.97
EV/EBITDA 1.24
AFGE Per share dataAFGE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

  • AFGE's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.18
PEG (5Y)0.4
EPS Next 2Y8.66%
EPS Next 3Y8.39%

More info and screens

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

5

5. AFGE Dividend Analysis

5.1 Amount

  • AFGE has a Yearly Dividend Yield of 2.73%. 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 2.50.
  • AFGE's Dividend Yield is a higher than the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 2.73%

5.2 History

  • The dividend of AFGE is nicely growing with an annual growth rate of 13.79%!
  • 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)13.79%
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

  • AFGE pays out 71.97% of its income as dividend. This is not a sustainable payout ratio.
  • AFGE's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP71.97%
EPS Next 2Y8.66%
EPS Next 3Y8.39%
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

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AFGE Fundamentals: All Metrics, Ratios and Statistics

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

NYSE:AFGE (3/31/2026, 4:15:00 PM)

16.2

-0.21 (-1.28%)

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 Cap1.35B
Revenue(TTM)8.14B
Net Income(TTM)842.00M
Analysts70.91
Price Target19.46 (20.12%)
Short Float %0%
Short Ratio0.38
Dividend
Industry RankSector Rank
Dividend Yield 2.73%
Yearly Dividend7.24
Dividend Growth(5Y)13.79%
DP71.97%
Div Incr Years0
Div Non Decr Years4
Ex-Date02-27
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)9.7%
EPS NQ rev (1m)-0.08%
EPS NQ rev (3m)-2.98%
EPS NY rev (1m)-2.81%
EPS NY rev (3m)-2.74%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.94%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)-1.74%
Valuation
Industry RankSector Rank
PE 1.57
Fwd PE 1.45
P/S 0.17
P/FCF 0.97
P/OCF 0.88
P/B 0.28
P/tB 0.31
EV/EBITDA 1.24
EPS(TTM)10.29
EY63.52%
EPS(NY)11.2
Fwd EY69.11%
FCF(TTM)16.78
FCFY103.6%
OCF(TTM)18.4
OCFY113.6%
SpS97.72
BVpS57.86
TBVpS51.67
PEG (NY)0.18
PEG (5Y)0.4
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 0.57
F-Score5
WACC6.19%
ROIC/WACC0.43
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 4 1/2 09/15/60 / AFGE Fundamental Analysis 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 8.8% 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 5 / 10 and the dividend payout ratio is 71.97%.