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AFG logo AFG
Upturn stock ratingUpturn stock rating
AFG logo

American Financial Group Inc (AFG)

Upturn stock ratingUpturn stock rating
$126.21
Last Close (24-hour delay)
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PASS
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
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Upturn Advisory Summary

06/30/2025: AFG (1-star) is currently NOT-A-BUY. Pass it for now.

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

Moderately tracked stock, growing coverage, gaining market and investor attention.

1 Year Target Price $132.2

1 Year Target Price $132.2

Analysts Price Target For last 52 week
$132.2Target price
Low$111.11
Current$126.21
high$146.01

Analysis of Past Performance

Type Stock
Historic Profit -9.6%
Avg. Invested days 36
Today’s Advisory PASS
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 1.0
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 06/30/2025

Key Highlights

Company Size Large-Cap Stock
Market Capitalization 10.43B USD
Price to earnings Ratio 13.12
1Y Target Price 132.2
Price to earnings Ratio 13.12
1Y Target Price 132.2
Volume (30-day avg) 6
Beta 0.71
52 Weeks Range 111.11 - 146.01
Updated Date 06/30/2025
52 Weeks Range 111.11 - 146.01
Updated Date 06/30/2025
Dividends yield (FY) 2.56%
Basic EPS (TTM) 9.52

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Product revenue - Year on Year

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 10.01%
Operating Margin (TTM) 12.08%

Management Effectiveness

Return on Assets (TTM) 2.35%
Return on Equity (TTM) 18.51%

Valuation

Trailing PE 13.12
Forward PE 11.53
Enterprise Value 10633066311
Price to Sales(TTM) 1.31
Enterprise Value 10633066311
Price to Sales(TTM) 1.31
Enterprise Value to Revenue 1.29
Enterprise Value to EBITDA -
Shares Outstanding 83518000
Shares Floating 65625090
Shares Outstanding 83518000
Shares Floating 65625090
Percent Insiders 21.16
Percent Institutions 66.42

Analyst Ratings

Rating 3
Target Price 132.2
Buy -
Strong Buy 1
Buy -
Strong Buy 1
Hold 5
Sell -
Strong Sell -
Strong Sell -

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 founding of The Great American Insurance Company. Over time, it evolved into a diversified holding company focused on insurance and annuities. Key milestones include strategic acquisitions and divestitures to refine its business focus.

business area logo Core Business Areas

  • Specialty Property and Casualty Insurance: Focuses on underwriting specialized commercial coverages, providing tailored solutions to specific industries and risks. This segment includes products like excess and surplus lines, transportation, and other niche insurance products.
  • Annuities: Offers a range of fixed and fixed-indexed annuities, providing retirement solutions to individuals seeking steady income and protection from market volatility.

leadership logo Leadership and Structure

AFG is led by a senior management team with extensive experience in the insurance and financial services industries. The organizational structure consists of a holding company overseeing various subsidiary insurance and annuity businesses, each with its own management team.

Top Products and Market Share

overview logo Key Offerings

  • Excess and Surplus Lines Insurance: Provides coverage for risks that are not readily available in the standard insurance market. Market share data varies by specific product line, but AFG is a significant player in several E&S segments. Competitors include WR Berkley (WRB), Alleghany Corporation (Y), and Markel Corporation (MKL).
  • Fixed-Indexed Annuities: Offers retirement income products with returns linked to market indices, providing upside potential with downside protection. Market share data fluctuate. Competitors include Athene Holding (ATH), Global Atlantic Financial Group, and Lincoln National Corporation (LNC).

Market Dynamics

industry overview logo Industry Overview

The property and casualty insurance industry is characterized by cyclicality, intense competition, and evolving regulatory requirements. The annuity market is driven by demographic trends, interest rates, and investor demand for retirement income solutions.

Positioning

AFG is positioned as a specialty insurer and annuity provider with a focus on niche markets and disciplined underwriting. Its competitive advantages include a strong capital base, experienced management team, and a diversified business mix.

Total Addressable Market (TAM)

The TAM for specialty P&C insurance and annuities is substantial, estimated in the hundreds of billions of dollars annually. AFG captures a portion of this TAM through its targeted products and services, positioning itself for growth by focusing on profitable niches.

Upturn SWOT Analysis

Strengths

  • Strong capital position
  • Experienced management team
  • Diversified business mix
  • Disciplined underwriting
  • Focus on niche markets

Weaknesses

  • Exposure to catastrophic losses
  • Sensitivity to interest rate changes
  • Dependence on key personnel
  • Complex regulatory environment

Opportunities

  • Expansion into new markets
  • Development of innovative products
  • Strategic acquisitions
  • Increasing demand for retirement income solutions
  • Technological advancements to improve efficiency

Threats

  • Increased competition
  • Economic downturn
  • Regulatory changes
  • Natural disasters
  • Cybersecurity risks

Competitors and Market Share

competitor logo Key Competitors

  • TRV
  • CB
  • AIG

Competitive Landscape

AFG competes with larger, more diversified insurance companies. Its advantages include its specialization, strong capital base, and disciplined underwriting. Disadvantages may include smaller scale and limited geographic reach compared to some competitors.

Major Acquisitions

Crop Risk Services

  • Year: 2021
  • Acquisition Price (USD millions): 240
  • Strategic Rationale: Expand specialty P&C operations with enhanced expertise in agriculture

Growth Trajectory and Initiatives

Historical Growth: AFG's growth has been driven by organic expansion and strategic acquisitions. Past performance is indicative of its ability to identify and capitalize on market opportunities.

Future Projections: Analyst estimates can be found on financial websites such as Yahoo Finance or Bloomberg. Projections typically consider factors such as market growth, interest rates, and regulatory changes.

Recent Initiatives: Recent strategic initiatives might include acquisitions, product launches, or cost-cutting measures.

Summary

American Financial Group demonstrates financial stability and strategic focus with its specialty insurance and annuity products. The company's strengths lie in its disciplined underwriting, and experienced management. Its exposure to catastrophic losses and sensitivity to interest rates remain key considerations. AFG is poised for further growth by capitalizing on market opportunities and managing risks effectively.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • SEC Filings (10-K, 10-Q)
  • Company Website
  • Financial News Outlets (e.g., Wall Street Journal, Bloomberg, Yahoo Finance)
  • Analyst Reports

Disclaimers:

The data and analysis provided are for informational purposes only and should not be considered financial advice. Market conditions and company performance are subject to change. Consult with a qualified financial advisor before making any investment decisions.

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.