AMERICAN FINANCIAL GROUP - AFG 4 1/2 09/15/60 (AFGE) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:AFGE - US0259328641
17.44 USD
-0.04 (-0.23%)
Taking everything into account, AFGE scores 5 out of 10 in our fundamental rating. AFGE was compared to 147 industry peers in the Insurance industry. AFGE has an average financial health and profitability rating. AFGE scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
1. Profitability
1.1 Basic Checks
AFGE had positive earnings in the past year.
In the past year AFGE had a positive cash flow from operations.
AFGE had positive earnings in each of the past 5 years.
Each year in the past 5 years AFGE had a positive operating cash flow.
1.2 Ratios
AFGE has a Return On Assets (2.36%) which is in line with its industry peers.
Looking at the Return On Equity, with a value of 16.87%, AFGE is in the better half of the industry, outperforming 75.51% of the companies in the same industry.
With a Return On Invested Capital value of 2.38%, AFGE perfoms like the industry average, outperforming 55.10% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for AFGE is in line with the industry average of 4.52%.
| 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
AFGE has a Profit Margin (9.70%) which is in line with its industry peers.
AFGE's Profit Margin has been stable in the last couple of years.
AFGE's Operating Margin of 12.28% is in line compared to the rest of the industry. AFGE outperforms 51.02% of its industry peers.
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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so AFGE is destroying value.
Compared to 1 year ago, AFGE has more shares outstanding
AFGE has less shares outstanding than it did 5 years ago.
The debt/assets ratio for AFGE has been reduced compared to a year ago.
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 better Altman-Z score (0.57) than 70.75% of its industry peers.
The Debt to FCF ratio of AFGE is 1.41, which is an excellent value as it means it would take AFGE, only 1.41 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of AFGE (1.41) is comparable to the rest of the 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 of 0.38. This is comparable to the rest of the industry: AFGE outperforms 40.82% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.38 | ||
| Debt/FCF | 1.41 | ||
| Altman-Z | 0.57 |
ROIC/WACC0.38
WACC6.31%
2.3 Liquidity
A Current Ratio of 9.26 indicates that AFGE has no problem at all paying its short term obligations.
AFGE has a better Current ratio (9.26) than 99.32% 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.
With an excellent Quick ratio value of 9.26, AFGE belongs to the best of the industry, outperforming 99.32% 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%.
AFGE shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.54% yearly.
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
Based on estimates for the next years, AFGE will show a small growth in Earnings Per Share. The EPS will grow by 4.58% on average per year.
Based on estimates for the next years, AFGE will show a small growth in Revenue. The Revenue will grow by 3.31% on average per year.
EPS Next Y-9.02%
EPS Next 2Y4.04%
EPS Next 3Y4.58%
EPS Next 5YN/A
Revenue Next Year0.75%
Revenue Next 2Y3.94%
Revenue Next 3Y3.31%
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 stable.
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
A Price/Earnings ratio of 1.79 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 91.16% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 25.98. AFGE is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 1.50 indicates a rather cheap valuation of AFGE.
Based on the Price/Forward Earnings ratio, AFGE is valued cheaper than 93.88% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 35.79, AFGE is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.79 | ||
| Fwd PE | 1.5 |
4.2 Price Multiples
97.28% of the companies in the same industry are more expensive than AFGE, based on the Enterprise Value to EBITDA ratio.
93.88% of the companies in the same industry are more expensive than AFGE, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.13 | ||
| EV/EBITDA | 1.31 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.39
EPS Next 2Y4.04%
EPS Next 3Y4.58%
5. Dividend
5.1 Amount
AFGE has a Yearly Dividend Yield of 2.57%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.46, AFGE pays a bit more dividend than its industry peers.
AFGE's Dividend Yield is comparable with the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.57% |
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 2Y4.04%
EPS Next 3Y4.58%
AMERICAN FINANCIAL GROUP - AFG 4 1/2 09/15/60
NYSE:AFGE (11/26/2025, 9:56:41 AM)
17.44
-0.04 (-0.23%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners67.24%
Inst Owner ChangeN/A
Ins Owners17.97%
Ins Owner ChangeN/A
Market Cap1.45B
Revenue(TTM)8.23B
Net Income(TTM)798.00M
Analysts72
Price Target17.77 (1.89%)
Short Float %0%
Short Ratio0.3
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.57% |
Yearly Dividend9.4
Dividend Growth(5Y)13.64%
DP96.49%
Div Incr Years0
Div Non Decr Years4
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)0.55%
PT rev (3m)0.96%
EPS NQ rev (1m)2.78%
EPS NQ rev (3m)1.77%
EPS NY rev (1m)0%
EPS NY rev (3m)2.94%
Revenue NQ rev (1m)-0.59%
Revenue NQ rev (3m)-2.1%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.42%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.79 | ||
| Fwd PE | 1.5 | ||
| P/S | 0.18 | ||
| P/FCF | 1.13 | ||
| P/OCF | 1.02 | ||
| P/B | 0.31 | ||
| P/tB | 0.35 | ||
| EV/EBITDA | 1.31 |
EPS(TTM)9.76
EY55.96%
EPS(NY)11.64
Fwd EY66.73%
FCF(TTM)15.48
FCFY88.77%
OCF(TTM)17.06
OCFY97.85%
SpS98.64
BVpS56.72
TBVpS50.5
PEG (NY)N/A
PEG (5Y)0.39
Graham Number111.61
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
WACC6.31%
ROIC/WACC0.38
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-9.02%
EPS Next 2Y4.04%
EPS Next 3Y4.58%
EPS Next 5YN/A
Revenue 1Y (TTM)0.13%
Revenue growth 3Y8.33%
Revenue growth 5Y0.16%
Sales Q2Q%-2.04%
Revenue Next Year0.75%
Revenue Next 2Y3.94%
Revenue Next 3Y3.31%
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 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.
Can you provide the valuation status for AMERICAN FINANCIAL GROUP - AFG 4 1/2 09/15/60?
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.
What is the profitability of AFGE stock?
AMERICAN FINANCIAL GROUP - AFG 4 1/2 09/15/60 (AFGE) has a profitability rating of 4 / 10.
How financially healthy is AMERICAN FINANCIAL GROUP - AFG 4 1/2 09/15/60?
The financial health rating of AMERICAN FINANCIAL GROUP - AFG 4 1/2 09/15/60 (AFGE) is 6 / 10.
Can you provide the expected EPS growth for AFGE stock?
The Earnings per Share (EPS) of AMERICAN FINANCIAL GROUP - AFG 4 1/2 09/15/60 (AFGE) is expected to decline by -9.02% in the next year.