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Upturn stock ratingUpturn stock rating
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American Financial Group Inc (AFG)

Upturn stock ratingUpturn stock rating
$136.58
Last Close (24-hour delay)
Profit since last BUY7.58%
upturn advisory
Consider higher Upturn Star rating
BUY since 36 days
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Upturn Advisory Summary

08/28/2025: AFG (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

6 Analysts rated it

Limited analyst coverage, niche firm, research info may be scarce.

1 Year Target Price $130.6

1 Year Target Price $130.6

Analysts Price Target For last 52 week
$130.6 Target price
52w Low $113.31
Current$136.58
52w High $145.1

Analysis of Past Performance

Type Stock
Historic Profit -0.95%
Avg. Invested days 36
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 2.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 08/28/2025

Key Highlights

Company Size Large-Cap Stock
Market Capitalization 11.39B USD
Price to earnings Ratio 14.99
1Y Target Price 130.6
Price to earnings Ratio 14.99
1Y Target Price 130.6
Volume (30-day avg) 6
Beta 0.73
52 Weeks Range 113.31 - 145.10
Updated Date 08/28/2025
52 Weeks Range 113.31 - 145.10
Updated Date 08/28/2025
Dividends yield (FY) 2.35%
Basic EPS (TTM) 9.11

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Product revenue - Year on Year

Earnings Date

Report Date 2025-08-05
When -
Estimate 2.13
Actual 2.14

Profitability

Profit Margin 9.51%
Operating Margin (TTM) 13.31%

Management Effectiveness

Return on Assets (TTM) 2.25%
Return on Equity (TTM) 17.17%

Valuation

Trailing PE 14.99
Forward PE 11.53
Enterprise Value 11598017941
Price to Sales(TTM) 1.42
Enterprise Value 11598017941
Price to Sales(TTM) 1.42
Enterprise Value to Revenue 1.4
Enterprise Value to EBITDA -
Shares Outstanding 83394496
Shares Floating 65937513
Shares Outstanding 83394496
Shares Floating 65937513
Percent Insiders 21.13
Percent Institutions 67.24

ai summary icon Upturn AI SWOT

American Financial Group Inc

stock logo

Company Overview

overview logo History and Background

American Financial Group, Inc. (AFG) traces its roots back to 1872 with the formation of the Ohio National Life Insurance Company. Over time, it evolved into a diversified holding company primarily focused on insurance activities. It was formally incorporated as American Financial Group in 1993.

business area logo Core Business Areas

  • Specialty Property and Casualty Insurance: Provides a range of commercial property, casualty, and transportation insurance products. Focuses on niche markets where it can leverage its expertise and underwriting discipline.
  • Annuities: Offers fixed and fixed-indexed annuities through Great American Life Insurance Company, providing retirement savings solutions.
  • Other Businesses: Includes various other businesses such as lease financing and certain legacy operations.

leadership logo Leadership and Structure

Carl H. Lindner III serves as the Co-Chief Executive Officer. The organizational structure is a holding company model, with various subsidiaries operating under the AFG umbrella. The leadership team comprises experienced professionals in the insurance and financial services industries.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Property Insurance: Provides insurance coverage for commercial properties against risks such as fire, theft, and natural disasters. Market share data is fragmented, varies by specific niche, and difficult to precisely quantify. Competitors include Travelers (TRV), Chubb (CB), and Hartford Financial Services (HIG).
  • Fixed Annuities: Offers fixed-rate annuities that guarantee a specific interest rate for a set period. The annuity market is highly competitive. Competitors include Athene (ATH), Lincoln National (LNC), and Prudential (PRU).
  • Transportation Insurance: Offers insurance coverage for the transportation sector, including trucking and logistics companies. Competitors include Progressive (PGR), Old Republic International (ORI) and W. R. Berkley (WRB).

Market Dynamics

industry overview logo Industry Overview

The property and casualty insurance industry is characterized by cyclical underwriting results, regulatory scrutiny, and increasing competition. The annuity market is influenced by interest rate environments and demographic trends.

Positioning

AFG positions itself as a specialty insurer with a focus on underwriting discipline and niche markets. Its annuity business benefits from a strong distribution network. Its competitive advantage stems from its expertise in select industries and a disciplined approach to risk management.

Total Addressable Market (TAM)

The total addressable market for property and casualty insurance is estimated in the hundreds of billions of dollars annually. AFG holds a relatively small but significant portion of this TAM, concentrated in its specialty areas. The annuity market is also significant, with trillions of dollars in assets.

Upturn SWOT Analysis

Strengths

  • Strong underwriting discipline
  • Focus on niche markets
  • Experienced management team
  • Solid financial position
  • Diversified business model

Weaknesses

  • Exposure to cyclical underwriting results
  • Sensitivity to interest rate fluctuations
  • Reliance on distribution networks
  • Potential for increased competition
  • Regulatory risks

Opportunities

  • Expansion into new niche markets
  • Growth in annuity sales
  • Strategic acquisitions
  • Leveraging technology to improve efficiency
  • Capitalizing on favorable pricing environments

Threats

  • Economic downturns
  • Catastrophic events
  • Increased competition
  • Regulatory changes
  • Lower interest rates

Competitors and Market Share

competitor logo Key Competitors

  • Travelers (TRV)
  • Chubb (CB)
  • Hartford Financial Services (HIG)
  • Progressive (PGR)

Competitive Landscape

AFG's competitive advantage lies in its specialization and disciplined underwriting. Competitors are larger and more diversified but may not have the same level of expertise in specific niche markets.

Major Acquisitions

Summit Group

  • Year: 2018
  • Acquisition Price (USD millions): 250
  • Strategic Rationale: To expand AFG's presence in the specialty insurance market.

Growth Trajectory and Initiatives

Historical Growth: AFG's growth has been driven by a combination of organic expansion and strategic acquisitions.

Future Projections: Future growth is expected to be driven by continued expansion in specialty P&C and annuity businesses, along with efficient capital allocation.

Recent Initiatives: Recent initiatives include expanding into new geographic markets and implementing new technologies to improve operational efficiency.

Summary

American Financial Group is a moderately strong company focusing on specialty insurance and annuities. Their disciplined underwriting and niche market focus are strengths. Cyclical underwriting results and competition remain potential challenges. Strategic acquisitions will continue to drive their business.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company Filings (SEC)
  • Industry Reports (e.g., S&P Global)
  • Analyst Reports
  • Company Press Releases

Disclaimers:

The information provided is for informational purposes only and should not be considered financial advice. Market share data is approximate and subject to change. Investment decisions should be made based on individual circumstances and consultation with a qualified financial advisor.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.

About American Financial Group Inc

Exchange NYSE
Headquaters Cincinnati, OH, United States
IPO Launch date 1983-04-06
Co-CEO & Director Mr. Stephen Craig Lindner
Sector Financial Services
Industry Insurance - Property & Casualty
Full time employees 8700
Full time employees 8700

American Financial Group, Inc., an insurance holding company, provides specialty property and casualty insurance products in the United States. The company offers property and transportation insurance products, such as physical damage and liability coverage for buses and trucks other specialty transportation niches, inland and ocean marine, agricultural-related products, and other commercial property coverages; specialty casualty insurance, including primarily excess and surplus, executive and professional liability, general liability, umbrella and excess liability, and specialty coverage in targeted markets, as well as customized programs for small to mid-sized businesses and workers' compensation insurance; and specialty financial insurance products comprising risk management insurance programs for lending and leasing institutions, fidelity and surety products, and trade credit insurance. It sells its property and casualty insurance products through independent insurance agents and brokers. The company was founded in 1872 and is headquartered in Cincinnati, Ohio.