American Financial Group, Inc. (AFG) Stock Analysis
Market Closed
Sector: Financial Services · Industry: Fire, Marine & Casualty Insurance
Price History
5-Year Weekly Candlestick Chart
Profile
growth and earnings quality lag behind.
How is each axis scored?
- Valuation55/100 · Moderate
- P/E vs own history (80th pct)0/25
- FCF yield (n/a)10/25
- P/S (1.4x)25/25
- EV/EBIT (10.9x)20/25
- Growth24/100 · Weak
- Revenue CAGR (5.7%)12/25
- Net income CAGR (-19.4%)0/25
- EPS CAGR 5Y (-18.9%)0/25
- Fwd implied growth (12.3%)12/25
- Profitability72/100 · Moderate
- ROIC (17.1%)20/25
- ROE (18.8%)20/25
- Net margin (10.8%)20/25
- Operating margin (13.6%)12/25
- Financial Health73/100 · Moderate
- Altman Z (0.34)3/25
- Current ratio (5.61)25/25
- Interest coverage (10.4x)25/25
- Net cash / debt (D/A 1%)20/25
- Quality47/100 · Weak
- Piotroski F (4/9)10/25
- Beneish M (-2.64)25/25
- FCF conversion (n/a)0/25
- Margin stability (σ 8.4%)12/25
About American Financial Group, Inc.
American Financial Group Inc is an insurance holding company. Show more
Through its subsidiaries, it is engaged in the property and casualty insurance business, focusing on specialized commercial products for businesses. The group operates through two segments: Property and Casualty Insurance, which generates maximum revenue, and Other. The Property and Casualty Insurance segment is further divided into different sub-segments, such as Property and transportation, Specialty casualty, and Specialty financial. These sub-segments offer insurance coverage for vehicles and commercial property, customized programs for small to mid-sized businesses, workers' compensation insurance, risk management insurance programs for lending and leasing institutions, trade credit insurance, and other insurance products.
Headquarters: CINCINNATI, OH · Employees: 8,500 · Website ↗
Analyst Consensus
HoldWall Street consensus estimates — not a PMP forecast · Updated Sep 21, 2026
Insider Transactions
Recent SEC Form 4 filings
- SellOpen market sale · filed 2026-08-26-81373 sh2026-08-26
- SellOpen market sale · filed 2026-08-26-8627 sh2026-08-24
- SellOpen market sale · filed 2026-06-25-2247 sh2026-06-24
- SellOpen market sale · filed 2026-06-24-11370 sh2026-06-23
- BuyGrant / award · filed 2026-06-02+1.3K sh2026-06-01
+3 more recent filings
Key Metrics
Financial snapshot — pillar inputs plus per-share and market context
Valuation
55CP/E (TTM)13.4xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 4.6x–15.9x · 80th pct
P/FCF8.2xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield12.1%A
Grade A: ValueTTM FCF / Market Cap
P/S (TTM)1.43xA
Grade A: CheapPrice / TTM Revenue (own statements) — vs own 5Y history: 1.2x–1.9x · 60th pct
EV/EBIT10.9xA
Grade A: CheapEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 5.6x–12.7x · 85th pct
EV/Sales1.5xA
Grade A: CheapEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E11.9xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio2.50xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio0.49A
Grade A: CheapFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield4.88%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio72.0%C
Grade C: HighDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
72B+ROIC17.1%A
Grade A: MoatNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE18.8%C
Grade C: AvgReturn on Equity. Neg. equity = heavy buybacks
ROA2.9%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin10.8%A
Grade A: HighNet Income / Revenue
Operating Margin13.6%C
Grade C: AvgTTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin—
FCF / Revenue
True FCF Margin—
TTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Financial Health
73B+Altman Z-Score0.34D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio5.61xA
Grade A: HighCurrent Assets/Liabilities
Quick Ratio5.61xA
Grade A: High(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage10.4xA
Grade A: StrongEBIT/Interest. >10 Strong
Debt Repayment—
Years to repay net debt via FCF
Net Debt/EBIT0.4xA
Grade A: LowLeverage. <2x Low, >4x High
Debt/Equity0.39xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.74xC
Grade C: PartialCash covers how much of total debt. >1 = could repay all debt from cash
Growth
24ERevenue CAGR5.7%C
Grade C: OkCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR-19.4%D
Grade D: LowCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)-18.9%D
Grade D: LowCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Forward Growth12.3%B
Grade B: LowImplied 1Y EPS growth from forward P/E vs our TTM EPS. Sparse — only where forward estimates exist
Dilution (5Y)-3.8%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income—
Stock-based comp/Net income. >30% = dilution risk
SBC / Revenue—
TTM stock-based comp / TTM Revenue
Quality
47D+Piotroski F-Score4/9C
Grade C: AvgFinancial strength 0–9. >7 Strong
Beneish M-Score-2.64A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion—
FCF / Net Income
Margin Stability8.4%C
Grade C: AvgEBIT margin std deviation. Lower = stable
Capex / Revenue—
TTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover0.25xD
Grade D: LowRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Per Share
EPS (TTM)$10.55
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$10.23
Cash & short-term investments per share (Finnhub)
Book Value / Share$57.78
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$1.82B
Total debt obligations (short + long term)
Cash & Equiv.$1.35B
Cash and short-term investments
Net Debt$467.00M
Total Debt minus Cash. Negative = Net Cash position
Total Equity$4.68B
Shareholders' equity (book value)
Asset / Liability1.17xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$11.71B
Current Market Capitalization
Beta0.55B
Grade B: DefensivePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
Takeaway
Napriek solídnemu hodnoteniu ziskovosti a zdravia robí kritické Altmanovo Z-skóre 0,34 a absencia voľného cash flow z AFG vysoko špekulatívnu investíciu s bezprostredným rizikom insolvencie.
Current P/E of 13.4x sits at the 80th percentile of its historical range.
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Mar 2026 · Ratio snapshot Sep 22, 2026
Key Insights: American Financial Group, Inc. (AFG)
Composite verdict for American Financial Group, Inc.: Napriek solídnemu hodnoteniu ziskovosti a zdravia robí kritické Altmanovo Z-skóre 0,34 a absencia voľného cash flow z AFG vysoko špekulatívnu investíciu s bezprostredným rizikom insolvencie.. Piotroski F-Score of 4/9 indicates mixed fundamentals for American Financial Group, Inc.. Altman Z-Score of 0.34 is below the 1.81 distress threshold — an elevated financial-risk flag.
- Beneish M-Score of -2.64 suggests a low likelihood of earnings manipulation.
- The stock currently yields 4.9% in dividends.
See how AFG ranks on the Capex Tracker — top 50 capital spenders compared.
No significant market moves for AFG in the last 30 days.
See AFG move history →Frequently Asked Questions about AFG
Is AFG stock a buy right now?
PreMarketPrice's quantitative model rates American Financial Group, Inc.'s financial health at 73/100 — Napriek solídnemu hodnoteniu ziskovosti a zdravia robí kritické Altmanovo Z-skóre 0,34 a absencia voľného cash flow z AFG vysoko špekulatívnu investíciu s bezprostredným rizikom insolvencie.. This is a data-driven snapshot of fundamentals, not investment advice.
Is AFG stock overvalued?
American Financial Group, Inc. trades at a trailing P/E of 13.4 and our valuation score rates it 55/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does American Financial Group, Inc. report earnings?
No confirmed earnings date is currently scheduled for AFG. The Earnings section lists recent reports and updates as dates are announced.
What sector does American Financial Group, Inc. operate in?
American Financial Group, Inc. operates in the Financial Services sector, within the Fire, Marine & Casualty Insurance industry. The Related Stocks section lists sector peers for comparison.
What does American Financial Group, Inc. do?
American Financial Group Inc is an insurance holding company.
About American Financial Group, Inc. (AFG) Stock
American Financial Group, Inc. (AFG) is a US-listed stock operating in the Financial Services sector, specifically the Fire, Marine & Casualty Insurance industry. Real-time pricing data for American Financial Group, Inc. is available on this page with a market capitalization of $11.7 billion. The financial health score for AFG is 73/100, which indicates good financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for AFG stock.
AFG Stock Analysis & Key Metrics
On PreMarketPrice, you can track American Financial Group, Inc. (AFG) across multiple dimensions:
- Pre-market price & movement: Real-time AFG stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for AFG with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for American Financial Group, Inc. across multiple reporting periods.
- Financial health score: A composite score of 73/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for AFG.
- Sector peers: Compare AFG against 10 other financial services stocks on key financial metrics.
Is AFG a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate American Financial Group, Inc. (AFG) as an investment. The financial health score of 73/100 suggests good financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.American Financial Group, Inc. (AFG) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.