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American Financial Group Inc (AFG)



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Upturn Advisory Summary
08/28/2025: AFG (1-star) has a low Upturn Star Rating. Not recommended to BUY.
1 Year Target Price $130.6
1 Year Target Price $130.6
1 | Strong Buy |
0 | Buy |
5 | Hold |
0 | Sell |
0 | Strong Sell |
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 Advisory Performance ![]() | Stock Returns Performance ![]() |
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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 |
Upturn AI SWOT
American Financial Group Inc

Company Overview
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.
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 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
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
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
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.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
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 | Website https://www.afginc.com |
Full time employees 8700 | Website https://www.afginc.com |
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.

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