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American Financial Group, Inc. AFGE

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Price alert · AFGE

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15.39 USD -0.16 (-1.03%)

At closeNov 5, 2026, 4:00 PM EST

15.20 -0.19 -1.23%

After hours · Nov 5, 4:00 PM ET

15.21 Day range 15.79
15.05 52-week range 18.05
YTD
-8.99%
1 year
-13.05%

Financial health

Altman Z-Score

1.11 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

Rating

A+4 / 5 overall

  • DCF 5
  • Return on Equity 5
  • Return on Assets 5
  • Debt / Equity 3
  • P/E 5
  • P/B 1

Valuation

P/E 13.6×
FY 2016: 11.8×FY 2017: 20.2×FY 2018: 15.2×FY 2019: 11.0×FY 2020: 10.6×FY 2021: 5.8×FY 2022: 13.0×FY 2023: 11.8×FY 2024: 13.0×FY 2025: 13.6×
FY 2016 5y median 13.0× FY 2025
P/S 1.4×
FY 2016: 1.2×FY 2017: 1.4×FY 2018: 1.2×FY 2019: 1.6×FY 2020: 1.4×FY 2021: 1.9×FY 2022: 1.7×FY 2023: 1.3×FY 2024: 1.4×FY 2025: 1.4×
FY 2016 5y median 1.4× FY 2025
P/B 2.4×
FY 2016: 1.6×FY 2017: 1.8×FY 2018: 1.6×FY 2019: 1.6×FY 2020: 1.1×FY 2021: 2.3×FY 2022: 2.9×FY 2023: 2.4×FY 2024: 2.6×FY 2025: 2.4×
FY 2016 5y median 2.4× FY 2025
P/FCF 8.2×
FY 2016: 7.0×FY 2017: 5.7×FY 2018: 3.9×FY 2019: 4.1×FY 2020: 4.2×FY 2021: 7.5×FY 2022: 10.9×FY 2023: 5.3×FY 2024: 10.0×FY 2025: 8.2×
FY 2016 5y median 8.2× FY 2025
EV/EBITDA 9.3×
FY 2016: 6.8×FY 2017: 9.3×FY 2018: 8.6×FY 2019: 9.7×FY 2020: 11.6×FY 2021: 7.3×FY 2022: 9.6×FY 2023: 8.7×FY 2024: 9.4×FY 2025: 9.3×
FY 2016 5y median 9.3× FY 2025
EV/Sales 1.4×
FY 2016: 1.1×FY 2017: 1.2×FY 2018: 1.1×FY 2019: 1.5×FY 2020: 1.5×FY 2021: 1.9×FY 2022: 1.8×FY 2023: 1.4×FY 2024: 1.4×FY 2025: 1.4×
FY 2016 5y median 1.4× FY 2025
FCF Yield 12.2%
FY 2016: 14.4%FY 2017: 17.7%FY 2018: 25.3%FY 2019: 24.5%FY 2020: 23.7%FY 2021: 13.4%FY 2022: 9.1%FY 2023: 18.8%FY 2024: 10.0%FY 2025: 12.2%
FY 2016 5y median 12.2% FY 2025

Profitability

Gross Margin 17.6%
FY 2016: 18.7%FY 2017: 17.9%FY 2018: 13.3%FY 2019: 10.3%FY 2020: 5.3%FY 2021: 22.0%FY 2022: 17.7%FY 2023: 17.5%FY 2024: 17.8%FY 2025: 17.6%
FY 2016 5y median 17.7% FY 2025
Operating Margin 13.2%
FY 2016: 12.1%FY 2017: 10.5%FY 2018: 9.1%FY 2019: 10.4%FY 2020: 6.0%FY 2021: 21.4%FY 2022: 16.6%FY 2023: 13.9%FY 2024: 13.6%FY 2025: 13.2%
FY 2016 5y median 13.9% FY 2025
Net Margin 10.4%
FY 2016: 10.0%FY 2017: 6.9%FY 2018: 7.6%FY 2019: 14.7%FY 2020: 12.9%FY 2021: 32.0%FY 2022: 13.3%FY 2023: 11.0%FY 2024: 10.7%FY 2025: 10.4%
FY 2016 5y median 11.0% FY 2025
ROE 17.5%
FY 2016: 13.2%FY 2017: 8.9%FY 2018: 10.7%FY 2019: 14.3%FY 2020: 10.8%FY 2021: 39.8%FY 2022: 22.2%FY 2023: 20.0%FY 2024: 19.9%FY 2025: 17.5%
FY 2016 5y median 20.0% FY 2025
ROIC 9.7%
FY 2016: 1.3%FY 2017: 0.9%FY 2018: 0.9%FY 2019: 0.8%FY 2020: 0.5%FY 2021: 4.8%FY 2022: 4.1%FY 2023: 3.9%FY 2024: 4.0%FY 2025: 9.7%
FY 2016 5y median 4.1% FY 2025
ROA 2.6%
FY 2016: 1.2%FY 2017: 0.8%FY 2018: 0.9%FY 2019: 1.3%FY 2020: 1.0%FY 2021: 8.0%FY 2022: 3.7%FY 2023: 3.5%FY 2024: 3.5%FY 2025: 2.6%
FY 2016 5y median 3.5% FY 2025

Growth (YoY)

Revenue -1.9%
FY 2016: 5.7%FY 2017: 5.6%FY 2018: 1.8%FY 2019: -12.5%FY 2020: -7.3%FY 2021: 9.9%FY 2022: 8.7%FY 2023: 14.1%FY 2024: 7.1%FY 2025: -1.9%
FY 2016 FY 2025
Operating Income -4.5%
FY 2016: 39.3%FY 2017: -8.0%FY 2018: -11.7%FY 2019: -0.8%FY 2020: -46.5%FY 2021: 293.8%FY 2022: -15.9%FY 2023: -4.5%FY 2024: 4.8%FY 2025: -4.5%
FY 2016 FY 2025
EPS (diluted) -4.6%
FY 2016: 86.0%FY 2017: -28.0%FY 2018: 10.8%FY 2019: 68.5%FY 2020: -16.7%FY 2021: 183.8%FY 2022: -54.8%FY 2023: -4.6%FY 2024: 5.2%FY 2025: -4.6%
FY 2016 FY 2025
Free Cash Flow 21.4%
FY 2016: -22.7%FY 2017: 54.0%FY 2018: 20.4%FY 2019: 18.2%FY 2020: -23.7%FY 2021: -15.0%FY 2022: -31.8%FY 2023: 77.9%FY 2024: -39.3%FY 2025: 21.4%
FY 2016 FY 2025

Financial Health

Current Ratio 0.5×
FY 2016: 1.9×FY 2017: 1.9×FY 2018: 1.4×FY 2019: 1.7×FY 2020: 1.4×FY 2021: 1.5×FY 2022: 0.9×FY 2023: 1.1×FY 2024: 1.1×FY 2025: 0.5×
FY 2016 5y median 1.1× FY 2025
Quick Ratio 0.5×
FY 2016: 1.9×FY 2017: 1.9×FY 2018: 1.4×FY 2019: 1.7×FY 2020: 1.4×FY 2021: 1.5×FY 2022: 0.9×FY 2023: 1.1×FY 2024: 1.1×FY 2025: 0.5×
FY 2016 5y median 1.1× FY 2025
Debt / Equity 0.4×
FY 2016: 0.3×FY 2017: 0.2×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.4×FY 2022: 0.4×FY 2023: 0.4×FY 2024: 0.4×FY 2025: 0.4×
FY 2016 5y median 0.4× FY 2025
Net Debt / EBITDA 0.1×
FY 2016: -0.8×FY 2017: -1.1×FY 2018: -0.2×FY 2019: -0.5×FY 2020: 0.8×FY 2021: 0.0×FY 2022: 0.6×FY 2023: 0.5×FY 2024: 0.4×FY 2025: 0.1×
FY 2016 5y median 0.4× FY 2025
Interest Coverage 13.4×
FY 2016: 10.2×FY 2017: 8.5×FY 2018: 10.3×FY 2019: 9.3×FY 2020: 3.9×FY 2021: 14.2×FY 2022: 13.2×FY 2023: 14.1×FY 2024: 14.8×FY 2025: 13.4×
FY 2016 5y median 14.1× FY 2025

Dividends

Dividend Yield 5.3%
FY 2016: 2.4%FY 2017: 4.4%FY 2018: 4.9%FY 2019: 4.5%FY 2020: 4.3%FY 2021: 20.3%FY 2022: 10.4%FY 2023: 6.8%FY 2024: 6.9%FY 2025: 5.3%
FY 2016 5y median 6.9% FY 2025
Payout Ratio 72.0%
FY 2016: 28.5%FY 2017: 87.8%FY 2018: 74.3%FY 2019: 49.5%FY 2020: 45.6%FY 2021: 119.0%FY 2022: 135.1%FY 2023: 80.3%FY 2024: 88.8%FY 2025: 72.0%
FY 2016 5y median 88.8% FY 2025

Annual · latest fiscal year ends 2025-12-31