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Upturn AI SWOT - About
AFG 
American Financial Group Inc (AFG)
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Upturn Advisory Summary
10/17/2025: AFG (1-star) is a SELL. SELL since 1 days. Simulated Profits (3.92%). Updated daily EoD!
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $137.4
1 Year Target Price $137.4
| 1 | Strong Buy |
| 0 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -6.08% | Avg. Invested days 41 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/17/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 10.93B USD | Price to earnings Ratio 14.39 | 1Y Target Price 137.4 |
Price to earnings Ratio 14.39 | 1Y Target Price 137.4 | ||
Volume (30-day avg) 6 | Beta 0.74 | 52 Weeks Range 112.60 - 149.08 | Updated Date 10/17/2025 |
52 Weeks Range 112.60 - 149.08 | Updated Date 10/17/2025 | ||
Dividends yield (FY) 2.44% | Basic EPS (TTM) 9.11 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
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 14.39 | Forward PE 11.53 | Enterprise Value 12475327860 | Price to Sales(TTM) 1.36 |
Enterprise Value 12475327860 | Price to Sales(TTM) 1.36 | ||
Enterprise Value to Revenue 1.51 | Enterprise Value to EBITDA - | Shares Outstanding 83394479 | Shares Floating 65938347 |
Shares Outstanding 83394479 | Shares Floating 65938347 | ||
Percent Insiders 21.13 | Percent Institutions 67.24 |
Upturn AI SWOT
American Financial Group Inc
Company Overview
History and Background
American Financial Group (AFG) was founded in 1872 as the United States Printing Company. It evolved over time, transitioning into an insurance holding company and eventually becoming American Financial Group. Significant milestones include strategic acquisitions and expansions within the specialty insurance market.
Core Business Areas
- Specialty Property and Casualty Insurance: AFG's core business involves providing specialty property and casualty insurance products. These include niche commercial coverages, tailored to specific industry segments and risks.
- Annuities: AFG also offers fixed and fixed-indexed annuities, providing retirement income solutions for individuals.
- Other: AFG has other smaller business segments that can include lease and finance services.
Leadership and Structure
Carl H. Lindner III and S. Craig Lindner serve as Co-Chief Executive Officers. The organizational structure is typical of a holding company, with various subsidiaries operating within their respective business segments.
Top Products and Market Share
Key Offerings
- Specialty Casualty Insurance: Includes a broad range of liability and professional liability coverages. Market share data is not publicly available, but AFG is a significant player in several niche markets. Competitors include Travelers (TRV), Chubb (CB), and WR Berkley (WRB).
- Specialty Property Insurance: Provides coverage for unique property risks, such as inland marine and excess and surplus lines. Market share data is not publicly available, but AFG maintains positions in various areas. Competitors include WR Berkley (WRB) and Arch Capital Group (ACGL).
- Fixed and Fixed-Indexed Annuities: Offer guaranteed income streams during retirement. Market share is not directly disclosed. Competitors include Athene (ATH) and Lincoln National Corporation (LNC).
Market Dynamics
Industry Overview
The specialty insurance market is characterized by higher margins and specialized risk assessment. The annuities market is driven by demographic trends and interest rate movements.
Positioning
AFG is positioned as a leading provider of specialty insurance products and annuities. Its competitive advantage lies in its underwriting expertise and disciplined approach to risk management. The company is well diversified across segments.
Total Addressable Market (TAM)
The total addressable market for specialty insurance is estimated to be in the hundreds of billions of dollars. AFG captures a small percentage of the total market but maintains a high percentage in its niches.
Upturn SWOT Analysis
Strengths
- Strong underwriting expertise
- Disciplined risk management
- Diversified business model
- Solid financial performance
- Experienced leadership team
Weaknesses
- Reliance on cyclical insurance markets
- Exposure to catastrophic events
- Sensitivity to interest rate fluctuations
- Lack of product awareness
Opportunities
- Expansion into new specialty insurance lines
- Growth in the annuities market due to aging demographics
- Strategic acquisitions of complementary businesses
- Technological innovation and automation
Threats
- Increased competition in the specialty insurance market
- Regulatory changes impacting the insurance and annuities industries
- Economic downturns leading to lower premium volume
- Rising claims costs due to inflation and other factors
Competitors and Market Share
Key Competitors
- TRV
- CB
- WRB
Competitive Landscape
AFG differentiates itself through its niche focus, disciplined underwriting, and strong capital management. However, competitors such as TRV and CB have broader product offerings and larger market share.
Major Acquisitions
Verikai
- Year: 2022
- Acquisition Price (USD millions): 120
- Strategic Rationale: Enhanced underwriting capabilities through Verikai's predictive risk analytics technology.
Growth Trajectory and Initiatives
Historical Growth: AFG has exhibited moderate growth over the past several years, driven by organic expansion and strategic acquisitions.
Future Projections: Analysts project continued moderate growth for AFG, supported by favorable demographic trends and disciplined underwriting. The company has been diversifying its business model in the last year.
Recent Initiatives: Recent initiatives include expanding into new specialty insurance lines and investing in technology to improve underwriting efficiency.
Summary
American Financial Group is a financially strong company with a diversified business model focused on specialty insurance and annuities. Its disciplined underwriting and risk management practices have contributed to consistent profitability and shareholder returns. However, AFG remains susceptible to cyclical market conditions and increased competition. Strategic initiatives and disciplined risk management positions the company for moderate growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC filings
- Analyst reports
- Industry publications
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share estimates may not be precise due to the nature of the insurance industry.
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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