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Upturn AI SWOT - About
AFGE 
American Financial Group AFGE (AFGE)
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Upturn Advisory Summary
09/11/2025: 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 16.89% | Avg. Invested days 47 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/11/2025 |
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. Over time, it evolved into a diversified holding company with a focus on specialty property and casualty insurance. Significant milestones include strategic acquisitions and divestitures to refine its business focus.
Core Business Areas
- Specialty Property and Casualty Insurance: AFG provides a wide array of specialty P&C insurance products, focusing on niche markets where it can achieve higher returns. These include commercial lines, specialty personal lines, and reinsurance.
Leadership and Structure
Carl H. Lindner III and S. Craig Lindner serve as Co-Chief Executive Officers. The company operates with a decentralized structure, allowing its subsidiaries significant autonomy in their operations.
Top Products and Market Share
Key Offerings
- Specialty P&C Insurance: AFG's core offering is specialty property and casualty insurance. While specific market share data fluctuates, it is a significant player in niche segments like excess and surplus lines, targeted auto, and inland marine. Competitors include W. R. Berkley (WRB), RLI Corp (RLI), and Alleghany Corp (Y).
Market Dynamics
Industry Overview
The specialty P&C insurance industry is characterized by underwriting expertise, risk selection, and pricing discipline. The industry is influenced by factors like economic conditions, regulatory changes, and catastrophe losses.
Positioning
AFG positions itself as a leading specialty P&C insurer, focusing on disciplined underwriting and niche markets. Its competitive advantage lies in its expertise in these specialized areas.
Total Addressable Market (TAM)
The global property and casualty insurance market is estimated to be in the trillions of dollars. AFG, with its specialty focus, targets specific segments within this larger TAM. AFG's position within the TAM is considered strong given its focus on specialization and profitability.
Upturn SWOT Analysis
Strengths
- Strong underwriting expertise
- Disciplined capital management
- Decentralized operating structure
- Focus on niche markets
- Consistent profitability
Weaknesses
- Exposure to catastrophe losses
- Dependence on economic conditions
- Competitive landscape
- Regulatory risks
Opportunities
- Expansion into new specialty lines
- Strategic acquisitions
- Growth in emerging markets
- Technological advancements in underwriting and claims management
Threats
- Increased competition
- Softening insurance rates
- Catastrophic events
- Adverse regulatory changes
Competitors and Market Share
Key Competitors
- WRB
- RLI
- SIGI
Competitive Landscape
AFG competes with other specialty P&C insurers based on underwriting expertise, pricing, and service. Its advantages include its strong financial position and established presence in niche markets.
Major Acquisitions
National Interstate Corporation
- Year: 2008
- Acquisition Price (USD millions): 320
- Strategic Rationale: Expanded AFG's presence in the specialty commercial transportation insurance market.
Growth Trajectory and Initiatives
Historical Growth: AFG's growth has been driven by organic expansion and strategic acquisitions in specialty P&C insurance.
Future Projections: Future growth is projected to be driven by continued expansion in specialty lines, disciplined underwriting, and effective capital management. Analyst estimates vary depending on market conditions.
Recent Initiatives: Recent initiatives include investments in technology to improve underwriting and claims processes, and strategic acquisitions to expand its specialty offerings.
Summary
American Financial Group is a strong specialty P&C insurer with a history of profitability. Its focus on niche markets and disciplined underwriting are working well, though exposure to catastrophe losses remain a key risk. Strategic acquisitions and technological investments are ongoing. Increased competition could pose some challenge.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC filings
- Analyst reports
- Industry publications
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market conditions and company performance can change rapidly.
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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