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Upturn AI SWOT - About
AFG 
American Financial Group Inc (AFG)
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Upturn Advisory Summary
07/16/2025: AFG (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $132.2
1 Year Target Price $132.2
| 1 | Strong Buy |
| 0 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -9.04% | Avg. Invested days 31 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 07/16/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 10.52B USD | Price to earnings Ratio 13.22 | 1Y Target Price 132.2 |
Price to earnings Ratio 13.22 | 1Y Target Price 132.2 | ||
Volume (30-day avg) 6 | Beta 0.71 | 52 Weeks Range 113.31 - 145.10 | Updated Date 07/16/2025 |
52 Weeks Range 113.31 - 145.10 | Updated Date 07/16/2025 | ||
Dividends yield (FY) 2.54% | Basic EPS (TTM) 9.53 |
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 13.22 | Forward PE 11.53 | Enterprise Value 10723265732 | Price to Sales(TTM) 1.32 |
Enterprise Value 10723265732 | Price to Sales(TTM) 1.32 | ||
Enterprise Value to Revenue 1.3 | Enterprise Value to EBITDA - | Shares Outstanding 83518000 | Shares Floating 65625090 |
Shares Outstanding 83518000 | Shares Floating 65625090 | ||
Percent Insiders 21.16 | Percent Institutions 66.42 |
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 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.
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 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
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
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
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.
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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