Stock Analysis
American Financial Group, Inc.AFG
P/E 12.98×· 5Y range 4.61–15.91×· 79th percentile of history
Sector: Financial Services · Industry: Fire, Marine & Casualty Insurance
AnalystsHold12 analystsP/E 13.0× sits at the 79th percentile of its 5.065023956194388-year history.
Cash covers 95% of debt · FY 2025.
PMP Verdict
Mixed fundamentals, expensive valuation
Strengths
- Financial Health73
- Profitability72
Risks
- Valuation60
- Growth24
Mixed fundamentals at a demanding price.
Market context
+2.3% today· Z 2.4σ
Bull Case
- ✓ROE 19.8% — efficient capital deployment
- ✓Interest coverage 11.8× — debt well covered
What's happening with AFG
Profile
growth, moat and earnings quality lag behind.
How is each axis scored?
- Valuation60/100 · Moderate
- P/E vs own history (79th pct)5/25
- FCF yield (n/a)10/25
- P/S (1.5x)25/25
- EV/EBIT (10.4x)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 (13.0%)12/25
- Profitability72/100 · Moderate
- ROIC (19.3%)20/25
- ROE (19.8%)20/25
- Net margin (11.5%)20/25
- Operating margin (14.5%)12/25
- Financial Health73/100 · Moderate
- Altman Z (0.63)3/25
- Current ratio (5.32)25/25
- Interest coverage (11.8x)25/25
- Net cash / debt (D/A 0%)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 8.3%)12/25
- Moat38/100 · Weak
- ROIC >12% years (8/10 yrs)20/25
- Median gross margin (n/a)0/25
- FCF-positive years (n/a)0/25
- Worst-year net margin (worst 6.9%)18/25
Risk Flags
- ⚠Altman Z 0.6 — distress-zone balance sheet
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 ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
60BP/E (TTM)13.0xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 4.6x–15.9x · 79th pct
P/FCF8.5xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield11.7%A
Grade A: ValueInverse of Finnhub P/FCF (own TTM FCF unavailable)
P/S (TTM)1.49xA
Grade A: CheapPrice / TTM Revenue (own statements) — vs own 5Y history: 1.2x–1.9x · 72nd pct
EV/EBIT10.4xA
Grade A: CheapEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 5.6x–12.7x · 72nd pct
EV/Sales1.5xA
Grade A: CheapEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E11.5xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio2.57xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio0.50A
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 Yield4.71%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio60.4%C
Grade C: HighDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
72B+ROIC19.3%A
Grade A: MoatNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE19.8%C
Grade C: AverageReturn 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 Margin11.5%A
Grade A: HighNet Income / Revenue
Operating Margin14.5%C
Grade C: AverageTTM 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
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
Implied EPS Growth13.0%B
Grade B: LowAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-3.7%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
Financial Health
73B+Altman Z-Score0.63D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio5.32xA
Grade A: HighCurrent Assets/Liabilities
Quick Ratio5.32xA
Grade A: High(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage11.8xA
Grade A: StrongEBIT/Interest. >10 Strong
Debt Repayment—
Years to repay net debt via FCF
Net Debt/EBIT0.1xA
Grade A: LowLeverage. <2x Low, >4x High
Debt/Equity0.38xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.95xC
Grade C: PartialCash covers how much of total debt. >1 = could repay all debt from cash
Quality
47D+Piotroski F-Score4/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.64A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion—
FCF / Net Income
Margin Stability8.3%C
Grade C: AverageEBIT 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
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Thompson David Lawrence Jr Filed | Thompson David Lawrence Jr | BuyJ | +119.9K | |
Thompson David Lawrence Jr Filed | Thompson David Lawrence Jr | BuyJ | +30.4K | |
VON LEHMAN JOHN I Filed | VON LEHMAN JOHN I | SellOpen market sale | -1279 | |
Hertzman Brian S. Filed | Hertzman Brian S. | SellOpen market sale | -950 | |
LINDNER CARL H III Filed | LINDNER CARL H III | SellOpen market sale | -81373 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
LINDNER CARL H III Filed | LINDNER CARL H III | SellOpen market sale | -8627 | |
Weiss Mark A Filed | Weiss Mark A | SellOpen market sale | -2813 | |
Gillis Michelle A Filed | Gillis Michelle A | SellOpen market sale | -2247 |
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
38DROIC >12% Years8/10 yrsA
Grade A: DurableShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years—
Share of completed fiscal years with positive free cash flow
Net Margin Floor6.9%A
Grade A: DurableWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$11.49
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$14.51
Cash & short-term investments per share (Finnhub)
Book Value / Share$58.14
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$1.82B
Total debt obligations (short + long term)
Cash & Equiv.$1.73B
Cash and short-term investments
Net Debt$93.00M
Total Debt minus Cash. Negative = Net Cash position
Total Equity$4.82B
Shareholders' equity (book value)
Asset / Liability1.17xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$12.37B
Current Market Capitalization
Beta0.55B
Grade B: DefensivePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
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 Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: American Financial Group, Inc. (AFG)
AFG is up 2.33% at the last close. Piotroski F-Score of 4/9 indicates mixed fundamentals for American Financial Group, Inc.. Altman Z-Score of 0.63 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 4.7% in dividends.
See how AFG ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all AFG moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 16 | Regular | 148.66 | +2.01% | 2.09 |
| Oct 16 | After-hours | 149.13 | +2.33% | 2.45 |
| Oct 12 | Regular | 143.43 | +1.66% | 2.28 |
| Oct 12 | After-hours | 143.78 | +1.91% | 2.60 |
| Oct 8 | Regular | 141.93 | +2.09% | 3.39 |
Frequently Asked Questions about AFG
What is the current American Financial Group, Inc. (AFG) stock price?
AFG is trading at $149.13 at the last market close, up 2.33% on the session. PreMarketPrice tracks AFG pre-market, intraday and after-hours prices.
Is AFG stock a buy right now?
PreMarketPrice's quantitative model rates American Financial Group, Inc.'s financial health at 73/100. 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 13.0 and our valuation score rates it 60/100 (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. As of the latest update, American Financial Group, Inc. is trading at $149.13, up 2.33% on the day with a market capitalization of $12.4 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 6 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.