AFG
Neutral signalScored 2026-09-16 Drivers: fundamentals. Moteurs : fondamentaux.
Research, not advice.
À propos
American Financial Group, Inc.
- Nom
- American Financial Group, Inc.
- Secteur
- Financial Services
- Industrie
- Insurance - Property & Casualty
- Bourse
- NYSE
- Capitalisation
- $12.5B
- Employés
- 8,500
- PDG
- Stephen Craig Lindner
- Site web
- https://www.afginc.com
- Marché
- CBCINFCNAKNSLMKLSIGI
American Financial Group, Inc. (AFG) operates as an insurance holding company, specializing in providing a broad array of property and casualty insurance solutions across the United States. Its comprehensive product portfolio encompasses various lines of business, including property and transportation coverage, which offers protection for physical damage and liability concerning vehicles like buses and trucks, along with inland and ocean marine policies, agricultural-related products, and other commercial property and niche transportation insurance types. The company's specialty casualty segment delivers products such as excess and surplus lines, executive and professional liability, general liability, and umbrella and excess liability policies. It also develops customized programs for small to mid-sized enterprises and provides workers' compensation coverage. Furthermore, AFG extends specialty financial insurance products, including risk management solutions tailored for lending and leasing institutions, fidelity and surety bonds, and trade credit insurance. Distribution of these property and casualty policies is primarily conducted through a network of independent insurance agents and brokers. Established in 1872, American Financial Group, Inc. maintains its corporate headquarters in Cincinnati, Ohio.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
VENTE TOTALE: 1 279 titres (~183 971,36 $ US)
- Insiders
- VON LEHMAN JOHN I
- Total bought
-
—
Avg buy (VWAP, 90d window) —
- Total sold
-
$319,698
Avg sell (VWAP, 90d window) $143.43 vs last close —
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
- Last activity
- 2026-09-14
- Last synced
-
2026-09-20 09:54:07
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-09-14 | VON LEHMAN JOHN I | Sell · S S | 1,279 | $143.84 | ≈ $183,971 | Form 4 |
| 2026-09-02 | Hertzman Brian S. | Sell · S S | 950 | $142.87 | ≈ $135,726 | Form 4 |
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Recent trades
| Date | Representative | Type | Amount |
|---|---|---|---|
| 2025-02-24 | Julia Letlow | Sale (Full) | $1,001 - $15,000 |
| 2024-11-19 | Julia Letlow | Purchase | $1,001 - $15,000 |
| 2022-02-09 | Diana Harshbarger | Sale | $1,001 - $15,000 |
| 2022-01-27 | Diana Harshbarger | Sale | $1,001 - $15,000 |
Signal
Neutral signalScored 2026-09-16 Drivers: fundamentals. Moteurs : fondamentaux.
AFG presents a critically weak financial profile with a current ratio below 0.5, negative working capital, and a DSO of 376 days, signaling severe liquidity stress that overshadows the relatively stable net margins.
The first sentence of the analysis written for AFG on 2026-09-16 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Pulls against a bullish reading. Selling cluster — sale value, no purchase value
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Timing Unavailable or mixed. No stored price series
- Financial indicators Unavailable or mixed. Current ratio 0.50 · operating margin 13% — readings disagree
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 17.6% | 17.8% | 17.5% | 17.7% | 22.0% | |
| Ebit Margin | 14.2% | 14.5% | 14.9% | 17.8% | 22.9% | |
| Ebitda Margin | 15.3% | 15.5% | 15.9% | 19.3% | 25.9% | |
| Operating Profit Margin | 13.2% | 13.6% | 13.9% | 16.6% | 21.4% | |
| Pretax Profit Margin | 13.2% | 13.6% | 13.9% | 16.6% | 21.4% | |
| Continuous Operations Profit Margin | 10.4% | 10.7% | 11.0% | 13.3% | 17.3% | |
| Net Profit Margin | 10.4% | 10.7% | 11.0% | 13.3% | 32.0% | |
| Bottom Line Profit Margin | 10.4% | 10.7% | 11.0% | 13.3% | 32.0% | |
| Current Ratio | 0.498 | 1.125 | 1.067 | 0.935 | 1.513 | |
| Quick Ratio | 0.498 | 1.125 | 1.067 | 0.935 | 1.513 | |
| Solvency Ratio | 0.033 | 0.047 | 0.046 | 0.050 | 0.110 | |
| Cash Ratio | 0.072 | 0.538 | 0.485 | 0.369 | 0.949 | |
| Price To Earnings Ratio | 13.560 | 12.955 | 11.818 | 13.012 | 5.846 | |
| Price To Earnings Growth Ratio | -2.925 | 2.555 | -2.545 | -0.236 | 0.032 | |
| Forward Price To Earnings Growth Ratio | -2.925 | 2.555 | -2.545 | -0.236 | 0.032 | |
| Price To Earnings Diluted Ratio | 13.560 | 12.955 | 11.830 | 13.037 | 5.894 | |
| Price To Earnings Diluted Growth Ratio | -2.925 | 2.504 | -2.595 | -0.238 | 0.032 | |
| Price To Book Ratio | 2.368 | 2.572 | 2.365 | 2.883 | 2.332 | |
| Price To Sales Ratio | 1.406 | 1.388 | 1.303 | 1.725 | 1.875 | |
| Price To Free Cash Flow Ratio | 8.164 | 9.973 | 5.306 | 10.949 | 7.472 | |
| Price To Operating Cash Flow Ratio | 7.445 | 9.973 | 5.112 | 10.132 | 6.818 | |
| Debt To Assets Ratio | 0.056 | 0.076 | 0.075 | 0.070 | 0.088 | |
| Debt To Equity Ratio | 0.378 | 0.425 | 0.431 | 0.418 | 0.439 | |
| Debt To Capital Ratio | 0.274 | 0.298 | 0.301 | 0.295 | 0.305 | |
| Long Term Debt To Capital Ratio | 0.274 | 0.272 | 0.278 | 0.280 | 0.291 | |
| Financial Leverage Ratio | 6.772 | 5.599 | 5.781 | 5.945 | 4.965 | |
| Working Capital Turnover Ratio | -1.389 | 33.379 | 1,030.400 | 13.587 | 6.200 | |
| Operating Cash Flow Ratio | 0.064 | 0.441 | 0.780 | 0.488 | 0.763 | |
| Operating Cash Flow Sales Ratio | 0.189 | 0.139 | 0.255 | 0.170 | 0.275 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.912 | 1.000 | 0.963 | 0.925 | 0.912 | |
| Debt Service Coverage Ratio | 12.600 | 9.000 | 8.903 | 8.950 | 10.318 | |
| Interest Coverage Ratio | 13.412 | 14.789 | 14.118 | 13.212 | 14.202 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 28.800 | 53.243 | 32.028 | 45.105 | |
| Operating Cash Flow Coverage Ratio | 0.842 | 0.607 | 1.074 | 0.681 | 0.780 | |
| Capital Expenditure Coverage Ratio | 11.356 | 0.000 | 27.361 | 13.407 | 11.427 | |
| Dividend Paid And Capex Coverage Ratio | 2.069 | 1.462 | 2.606 | 0.888 | 0.679 | |
| Dividend Payout Ratio | 0.720 | 0.888 | 0.803 | 1.351 | 1.190 | |
| Enterprise Value Multiple | 9.286 | 9.353 | 8.703 | 9.559 | 7.273 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 17.6% | ▼-0.2% | ▼-0.9% |
| Ebit Margin | 14.2% | ▼-0.3% | ▼-2.7% |
| Ebitda Margin | 15.3% | ▼-0.2% | ▼-3.1% |
| Operating Profit Margin | 13.2% | ▼-0.4% | ▼-2.5% |
| Pretax Profit Margin | 13.2% | ▼-0.4% | ▼-2.5% |
| Continuous Operations Profit Margin | 10.4% | ▼-0.3% | ▼-2.2% |
| Net Profit Margin | 10.4% | ▼-0.3% | ▼-5.1% |
| Bottom Line Profit Margin | 10.4% | ▼-0.3% | ▼-5.1% |
| Current Ratio | 0.498 | ▼-0.627 | ▼-0.530 |
| Quick Ratio | 0.498 | ▼-0.627 | ▼-0.530 |
| Solvency Ratio | 0.033 | ▼-0.014 | ▼-0.024 |
| Cash Ratio | 0.072 | ▼-0.466 | ▼-0.410 |
| Price To Earnings Ratio | 13.559 | ▲0.605 | ▲2.121 |
| Price To Earnings Growth Ratio | -2.925 | ▼-5.480 | ▼-2.301 |
| Forward Price To Earnings Growth Ratio | -2.925 | ▼-5.480 | ▼-2.301 |
| Price To Earnings Diluted Ratio | 13.559 | ▲0.605 | ▲2.105 |
| Price To Earnings Diluted Growth Ratio | -2.925 | ▼-5.429 | ▼-2.280 |
| Price To Book Ratio | 2.368 | ▼-0.205 | ▼-0.136 |
| Price To Sales Ratio | 1.406 | ▲0.018 | ▼-0.134 |
| Price To Free Cash Flow Ratio | 8.164 | ▼-1.809 | ▼-0.209 |
| Price To Operating Cash Flow Ratio | 7.445 | ▼-2.528 | ▼-0.451 |
| Debt To Assets Ratio | 0.056 | ▼-0.020 | ▼-0.017 |
| Debt To Equity Ratio | 0.378 | ▼-0.048 | ▼-0.040 |
| Debt To Capital Ratio | 0.274 | ▼-0.024 | ▼-0.021 |
| Long Term Debt To Capital Ratio | 0.274 | ▲0.002 | ▼-0.005 |
| Financial Leverage Ratio | 6.772 | ▲1.173 | ▲0.960 |
| Working Capital Turnover Ratio | -1.389 | ▼-34.768 | ▼-217.824 |
| Operating Cash Flow Ratio | 0.064 | ▼-0.377 | ▼-0.443 |
| Operating Cash Flow Sales Ratio | 0.189 | ▲0.050 | ▼-0.017 |
| Free Cash Flow Operating Cash Flow Ratio | 0.912 | ▼-0.088 | ▼-0.031 |
| Debt Service Coverage Ratio | 12.600 | ▲3.600 | ▲2.646 |
| Interest Coverage Ratio | 13.412 | ▼-1.377 | ▼-0.534 |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | ▼-28.800 | ▼-31.835 |
| Operating Cash Flow Coverage Ratio | 0.842 | ▲0.236 | ▲0.045 |
| Capital Expenditure Coverage Ratio | 11.356 | ▲11.356 | ▼-1.355 |
| Dividend Paid And Capex Coverage Ratio | 2.069 | ▲0.607 | ▲0.528 |
| Dividend Payout Ratio | 0.720 | ▼-0.169 | ▼-0.271 |
| Enterprise Value Multiple | 9.286 | ▼-0.067 | ▲0.452 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $11.41B | $11.49B | $10.07B | $11.68B | $11.69B | |
| Enterprise value | $11.51B | $11.98B | $10.68B | $12.50B | $11.75B | |
| EV / Sales | 1.42x | 1.45x | 1.38x | 1.85x | 1.89x | |
| EV / Op. cash flow | 7.50x | 10.40x | 5.42x | 10.84x | 6.86x | |
| EV / Free cash flow | 8.23x | 10.40x | 5.63x | 11.72x | 7.51x | |
| EV / EBITDA | 9.29x | 9.35x | 8.70x | 9.56x | 7.27x | |
| Net debt / EBITDA | 0.07x | 0.39x | 0.50x | 0.63x | 0.04x | |
| Current ratio | 0.50x | 1.12x | 1.07x | 0.94x | 1.51x | |
| Income quality | 1.82x | 1.30x | 2.31x | 1.28x | 0.86x | |
| Graham number | $114 | $113 | $107 | $106 | $176 | |
| Graham net-net | -$229 | -$214 | -$213 | -$213 | -$197 | |
| Tax burden | 78.5% | 78.9% | 79.4% | 80.0% | 149.4% | |
| Interest burden | 93.1% | 93.7% | 93.4% | 93.0% | 93.4% | |
| Working capital | -$12.02B | $327.0M | $169.0M | -$154.0M | $1.15B | |
| Invested capital | -$11.36B | $1.05B | $863.0M | $303.0M | $1.62B | |
| Return on assets | 2.6% | 3.5% | 3.5% | 3.7% | 8.0% | |
| Operating ROA | 3.7% | 4.5% | 4.4% | 4.6% | 2.8% | |
| Return on tangible assets | 2.6% | 3.6% | 3.5% | 3.8% | 8.1% | |
| Return on equity | 17.5% | 19.9% | 20.0% | 22.2% | 39.8% | |
| Return on invested capital | 9.7% | 4.0% | 3.9% | 4.1% | 4.8% | |
| Return on capital employed | 12.3% | 5.0% | 4.9% | 5.2% | 5.9% | |
| Earnings yield | 7.4% | 7.7% | 8.5% | 7.7% | 17.1% | |
| Free cash flow yield | 12.2% | 10.0% | 18.8% | 9.1% | 13.4% | |
| Capex / Op. cash flow | 8.8% | 0.0% | 3.7% | 7.5% | 8.8% | |
| Capex / Depreciation | 157.0% | 0.0% | 92.3% | 86.0% | 80.2% | |
| Capex / Sales | 1.7% | 0.0% | 0.9% | 1.3% | 2.4% | |
| SG&A / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.0% | 0.0% | 0.0% | 0.3% | 0.3% | |
| Intangibles / Total assets | 2.0% | 2.0% | 2.1% | 1.5% | 1.4% | |
| Days sales outstanding | 377d | 68d | 69d | 72d | 74d | |
| Days payables outstanding | 65d | 0d | 0d | 0d | 0d | |
| Operating cycle | 377d | 68d | 69d | 72d | 74d | |
| Cash conversion cycle | 312d | 68d | 69d | 72d | 74d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years
Employee count
Peer market caps
Recent news
- 2026-09-12 California State Teachers Retirement System Acquires 10,689,563 Shares of American Financial Group, Inc. $AFG California State Teachers Retirement System boosted its stake in American Financial Group, Inc. (NYSE: AFG) by 13,419.0% in the second quarter, according to its most recent Form 13F filing with the Securities and Exchange Commission. The firm owned 10,769,223 shares of the insurance provider''s stock after purchasing an additional 10,689,563 shares during the
- 2026-09-04 American Financial Near 52-Week High: Time to Hold the Stock? AFG''s specialty P&C diversification, firm renewal pricing and excess capital generation support growth and shareholder returns.
- 2026-09-04 American Financial Group Lifted Its Dividend 10.2% and Kept Buying Back Stock American Financial Group hiked its dividend in the second quarter, extending its annual streak to 21 years. The company bought back $86 million in shares in the first half of 2026.
- 2026-09-03 American Financial (AFG) Down 2.8% Since Last Earnings Report: Can It Rebound? American Financial (AFG) reported earnings 30 days ago. What''s next for the stock?
- 2026-09-02 Jupiter Topco LLC Invests $4.27 Million in American Financial Group, Inc. $AFG Jupiter Topco LLC bought a new position in shares of American Financial Group, Inc. (NYSE: AFG) during the undefined quarter, according to its most recent disclosure with the Securities and Exchange Commission (SEC). The firm bought 30,500 shares of the insurance provider''s stock, valued at approximately $4,267,000. Several other institutional investors also recently
- 2026-08-31 American Financial Group (AFG) is a Top-Ranked Momentum Stock: Should You Buy? Wondering how to pick strong, market-beating stocks for your investment portfolio? Look no further than the Zacks Style Scores.
- 2026-08-31 American Financial Group, Inc. Announces Closing of the Sale of Charleston Harbor Resort & Marina CINCINNATI--(BUSINESS WIRE)--American Financial Group, Inc. (NYSE: AFG) announced today that it has completed the previously announced sale of Charleston Harbor Resort & Marina. Consistent with prior estimates, AFG expects to recognize pretax core operating earnings of approximately $125 million ($1.20 per share, after tax) from the sale subject to final cost accounting and customary closing adjustments. The property was owned equally by AFG parent and its Great American Insurance Company s.
- 2026-08-31 Connor Clark & Lunn Investment Management Ltd. Invests $1.12 Million in American Financial Group, Inc. $AFG Connor Clark and Lunn Investment Management Ltd. purchased a new stake in shares of American Financial Group, Inc. (NYSE: AFG) during the second quarter, according to the company in its most recent filing with the Securities and Exchange Commission. The institutional investor purchased 8,011 shares of the insurance provider''s stock, valued at approximately
- 2026-08-31 Deutsche Bank AG Acquires New Shares in American Financial Group, Inc. $AFG Deutsche Bank AG acquired a new position in shares of American Financial Group, Inc. (NYSE: AFG) during the second quarter, according to the company in its most recent 13F filing with the Securities and Exchange Commission. The fund acquired 8,498 shares of the insurance provider''s stock, valued at approximately $1,189,000. Several other large
- 2026-08-30 Dividend Announcements: August 22-28, 2026 In this article series, I summarize dividend announcements of the past week. This week, 9 stocks announced dividend increases, including 3 stocks I own. INTU stands out for its robust safety metrics, 15% dividend hike, low payout ratios, and a forward-looking 16.16% dividend growth rate, though fair value estimates diverge. LRCX delivered the largest increase (26.92%) and boasts the highest Quality Score, but its yield is minimal at 0.44% and valuation appears stretched.