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Upturn AI SWOT - About
AFG 
American Financial Group Inc (AFG)
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Upturn Advisory Summary
09/12/2025: 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 $132.6
1 Year Target Price $132.6
| 1 | Strong Buy |
| 0 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 1.43% | Avg. Invested days 37 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/12/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 11.66B USD | Price to earnings Ratio 15.37 | 1Y Target Price 132.6 |
Price to earnings Ratio 15.37 | 1Y Target Price 132.6 | ||
Volume (30-day avg) 6 | Beta 0.72 | 52 Weeks Range 113.31 - 145.10 | Updated Date 09/14/2025 |
52 Weeks Range 113.31 - 145.10 | Updated Date 09/14/2025 | ||
Dividends yield (FY) 2.28% | Basic EPS (TTM) 9.1 |
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 15.37 | Forward PE 11.53 | Enterprise Value 11871551832 | Price to Sales(TTM) 1.45 |
Enterprise Value 11871551832 | Price to Sales(TTM) 1.45 | ||
Enterprise Value to Revenue 1.43 | Enterprise Value to EBITDA - | Shares Outstanding 83394496 | Shares Floating 65938347 |
Shares Outstanding 83394496 | Shares Floating 65938347 | ||
Percent Insiders 21.13 | Percent Institutions 67.27 |
Upturn AI SWOT
American Financial Group Inc
Company Overview
History and Background
American Financial Group (AFG) was founded in 1872 as the Cincinnati Insurance Company. It evolved into a holding company with diverse insurance operations, expanding through acquisitions and internal growth. A major restructuring took place in the late 1990s and early 2000s.
Core Business Areas
- Specialty Property and Casualty Insurance: Offers a diverse range of specialty property and casualty insurance products, focusing on niche markets and industries. Includes offerings for agriculture, construction, and other specialized sectors.
- Annuities: Provides fixed, fixed-indexed, and variable annuities to individuals seeking retirement income solutions. Caters to various risk tolerance levels and investment objectives.
Leadership and Structure
Carl H. Lindner III serves as Co-CEO. The company operates with a decentralized structure, allowing individual business units a degree of autonomy.
Top Products and Market Share
Key Offerings
- Specialty P&C Insurance: A wide array of niche insurance products (e.g., excess and surplus lines, professional liability) covering various industries. Competitors include W. R. Berkley, Alleghany Corporation, and Markel. Market share varies widely by specific niche within the specialty insurance market and is difficult to pinpoint as a general number.
- Annuities: Fixed, fixed-indexed, and variable annuities for retirement planning. Competitors include Athene Holding, Lincoln National, and Prudential. Again, exact market share is difficult to assign. Overall, indexed annuities had a good 2023 and expect to continue to increase.
Market Dynamics
Industry Overview
The property and casualty insurance industry is affected by factors such as catastrophic events, interest rates, and regulatory changes. The annuity market is influenced by demographics, interest rates, and consumer preferences for retirement income.
Positioning
AFG focuses on specialty niches within the P&C market, allowing it to charge higher premiums and achieve better underwriting results. Its annuity business targets specific demographic segments, seeking to provide competitive returns and risk management solutions.
Total Addressable Market (TAM)
The global P&C insurance market is in the trillions. The U.S. Annuities market is hundreds of billions. AFG's specialty focus allows them to capture significant share in smaller markets. AFG is well-positioned with respect to this TAM.
Upturn SWOT Analysis
Strengths
- Strong underwriting discipline
- Specialty niche expertise
- Decentralized operating model
- Solid financial position
Weaknesses
- Exposure to catastrophic events
- Sensitivity to interest rate fluctuations
- Dependence on key personnel
- Complex regulatory environment
Opportunities
- Expansion into new specialty markets
- Growth in the annuity market due to aging demographics
- Strategic acquisitions
- Technological advancements to improve efficiency
Threats
- Increased competition
- Economic downturns affecting insurance demand
- Regulatory changes
- Climate change impacting P&C risks
Competitors and Market Share
Key Competitors
- WRB
- HIG
- MKL
Competitive Landscape
AFG's focus on specialty niches provides a competitive advantage. Strong underwriting discipline and a decentralized model allow for flexibility. Competition is intense, requiring constant innovation and risk management.
Major Acquisitions
Crop Risk Services (part of Validus)
- Year: 2017
- Acquisition Price (USD millions): 240
- Strategic Rationale: Expand crop insurance offerings and geographic reach, diversifying risk and complementing existing operations.
Growth Trajectory and Initiatives
Historical Growth: AFG has grown through a combination of organic growth and acquisitions. Focus on specialty niches has fueled growth.
Future Projections: Analyst projections typically estimate continued growth in premiums and annuity sales. Projections depend on market conditions and company strategy.
Recent Initiatives: Recent strategic initiatives may include acquisitions, divestitures, or new product launches to expand market presence or enhance profitability.
Summary
American Financial Group is a well-established insurance company with a strong focus on specialty property and casualty insurance and annuities. AFG's niche expertise and underwriting discipline support consistent profitability. While exposure to catastrophic events and interest rate fluctuations remain risks, strategic initiatives and acquisitions should fuel future growth. Its decentralized structure and solid financial position contribute to its overall strength.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Analyst Reports
- Industry Publications
- AFG Investor Relations
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions and company performance can change, affecting the accuracy of this information. Actual market share data for niche segments is difficult to collect from public sources, so approximations are used.
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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