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Upturn AI SWOT - About
AFGE 
American Financial Group, Inc. (AFGE)
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Upturn Advisory Summary
10/10/2025: AFGE (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.
Analysis of Past Performance
Type Stock | Historic Profit 13.21% | Avg. Invested days 50 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/10/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 9.87B USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) - | Beta - | 52 Weeks Range 15.96 - 19.99 | Updated Date 05/14/2025 |
52 Weeks Range 15.96 - 19.99 | Updated Date 05/14/2025 | ||
Dividends yield (FY) 6.71% | Basic EPS (TTM) - |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin - | Operating Margin (TTM) - |
Management Effectiveness
Return on Assets (TTM) - | Return on Equity (TTM) - |
Valuation
Trailing PE - | Forward PE - | Enterprise Value - | Price to Sales(TTM) - |
Enterprise Value - | Price to Sales(TTM) - | ||
Enterprise Value to Revenue - | Enterprise Value to EBITDA - | Shares Outstanding - | Shares Floating - |
Shares Outstanding - | Shares Floating - | ||
Percent Insiders - | Percent Institutions - |
Upturn AI SWOT
American Financial Group AFGE
Company Overview
History and Background
American Financial Group (AFG) was founded in 1872 as The Great American Insurance Company. It has evolved through various acquisitions and strategic shifts, becoming a diversified holding company primarily focused on property and casualty insurance operations. It has grown through organic initiatives and strategic acquisitions.
Core Business Areas
- Specialty Property and Casualty Insurance: AFG's core business segment, offering a diverse range of specialty property and casualty insurance products to businesses and individuals. This includes commercial property, casualty, and transportation coverages.
- Annuities: Provides fixed, fixed-indexed and variable annuities to the retail, financial institutions and registered investment advisor markets. This segment contributes a smaller portion of AFG's overall revenue compared to specialty P&C.
Leadership and Structure
Carl H. Lindner III and S. Craig Lindner are Co-Chief Executive Officers. The company operates with a decentralized management structure, providing its subsidiaries with operational autonomy while maintaining centralized oversight.
Top Products and Market Share
Key Offerings
- Specialty Casualty: Includes excess and surplus lines, professional liability, and other specialized casualty products. Market share varies by specific sub-segment but AFG is a significant player in several niches. Competitors include W. R. Berkley Corporation (WRB), RLI Corp (RLI), and Kinsale Capital Group (KNSL).
- Specialty Financial: Covers niche financial and surety products. Market share is difficult to determine precisely. Competitors include The Travelers Companies (TRV) and Hartford Financial Services (HIG).
- Fixed Annuities: Offers fixed annuity products to customers. Market share is not a leading player in the annuities segment but still has a sizeable market. Competitors include Athene (ATH) and MassMutual.
Market Dynamics
Industry Overview
The property and casualty insurance industry is highly competitive and cyclical, influenced by factors such as economic conditions, interest rates, regulatory changes, and catastrophic events. The annuity market is impacted by interest rates and demographic trends.
Positioning
AFG is positioned as a specialty insurer, focusing on niche markets where it can leverage its expertise and underwriting discipline. It emphasizes profitability over market share. They have a wide offering of annuity products.
Total Addressable Market (TAM)
The global property and casualty insurance market is valued in the trillions of dollars. AFG's TAM depends on the specific specialty lines it operates in. The annuity market is also a multi-trillion dollar market. AFG holds a relatively small portion of these TAMs but seeks profitable growth.
Upturn SWOT Analysis
Strengths
- Strong underwriting discipline
- Decentralized operating model
- Diversified specialty insurance portfolio
- Solid financial strength and capital position
- Experienced management team
Weaknesses
- Exposure to catastrophic losses
- Dependence on economic conditions
- Sensitivity to interest rate fluctuations
- Relatively smaller size compared to larger competitors
- Limited geographic diversification compared to global insurers
Opportunities
- Expansion into new specialty insurance lines
- Strategic acquisitions to increase scale and market share
- Leveraging technology to improve efficiency and underwriting
- Growing demand for specialized insurance products
- Increasing interest rates benefiting annuity business
Threats
- Increased competition from larger insurers
- Regulatory changes and compliance costs
- Cybersecurity risks
- Economic downturns reducing demand for insurance
- Adverse claims trends and litigation
Competitors and Market Share
Key Competitors
- WRB
- HIG
- TRV
- RLI
- KNSL
Competitive Landscape
AFG competes effectively by focusing on specialty niches, maintaining strong underwriting discipline, and operating with a decentralized structure. They face competition from larger, more diversified insurers.
Major Acquisitions
Crop Risk Services
- Year: 2021
- Acquisition Price (USD millions): 240
- Strategic Rationale: Expanded AFG's presence in the crop insurance market, diversifying its specialty insurance portfolio.
Growth Trajectory and Initiatives
Historical Growth: AFG's growth has been driven by organic initiatives and strategic acquisitions in specialty insurance markets.
Future Projections: Analyst estimates suggest continued growth in earnings and revenue, driven by strong underwriting performance and favorable market conditions. These are subject to change based on market conditions.
Recent Initiatives: AFG has been actively acquiring businesses in targeted specialty insurance areas, as well as divesting non-core assets to focus on its core operations. They also invest in technology to improve efficiency.
Summary
American Financial Group is a financially stable specialty insurer with a decentralized structure and a strong underwriting discipline. Its focus on niche markets and strategic acquisitions has driven growth. Exposure to catastrophic losses and economic downturns remain potential threats, and the company needs to be careful of market volatility, but overall, AFG is fairly well-positioned.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q)
- Investor presentations
- Earnings call transcripts
- Analyst reports (e.g., from S&P Capital IQ, Bloomberg)
- Industry publications (e.g., Insurance Journal)
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data is approximate and may vary depending on the source and methodology. Financial data is based on publicly available information and is subject to change.
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 AFGE
Exchange NYSE | Headquaters - | ||
IPO Launch date 2014-09-24 | CEO - | ||
Sector Financials | Industry Insurance | Full time employees 7600 | Website |
Full time employees 7600 | Website | ||
American Financial Group, Inc., through its subsidiaries, provides property and casualty insurance products in the United States. The company operates through Property and Casualty Insurance, Annuity, Run-Off Long-Term Care and Life, and Other segments. It offers property and transportation insurance products, such as physical damage and liability coverage for buses, trucks and recreational vehicles, inland and ocean marine, agricultural-related products, and other property coverages; specialty casualty insurance, including primarily excess and surplus, general liability, executive liability, professional liability, umbrella and excess liability, and specialty coverage in targeted markets and customized programs for small to mid-sized businesses; and specialty financial insurance products comprising risk management insurance programs for leasing and financing institutions, surety and fidelity products, and trade credit insurance. The company sells its property and casualty insurance products through independent insurance agents and brokers, as well as through employee agents. It also provides traditional fixed and fixed-indexed annuities to the retail, financial institutions, and education markets; and engages in the commercial real estate operations in Cincinnati, Whitefield, New Hampshire, Chesapeake Bay, Charleston, and Palm Beach. American Financial Group, Inc. was founded in 1872 and is headquartered in Cincinnati, Ohio.
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