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American Financial Group, Inc. logo

American Financial Group, Inc.

AFGD

NYSEFinancial ServicesInsurance - Property & Casualty

Open in GoAI

Previous close

$20.085

−$0.025 · -0.12%

Aug 21, 3:59 PM ET

AFGD company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

79

Undervalued

Momentum

34

Weakening

Sentiment

72

Bullish

Risk resilience

78

Moderate Risk

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Company profile

Company website

American Financial Group, Inc. (AFGD) functions as an insurance holding company, primarily specializing in commercial property and casualty insurance solutions for businesses. Beyond its core insurance activities, the company also offers fixed and fixed-indexed annuities to various client segments, including individual retail investors, financial institutions, and the education sector. Its diverse portfolio of property and casualty offerings specifically includes Property and Transportation, Specialty Casualty, and Specialty Financial products. Carl Henry Lindner Jr. established the firm in 1959, and its corporate headquarters are located in Cincinnati, Ohio.

Industry
Insurance - Property & Casualty
Sector
Financial Services
Headquarters
US
CEO
Stephen Craig Lindner
Listed since
Jun 4, 2020
Employees
7,700

Market position

Day range

Current $20.085

52-week range

Current $20.085

Open
$20.03
Previous close
$20.11
Volume
3.71K
0.46× average
Average volume
8.15K
Average daily volume
Market cap
1.67B USD
Beta
0.69
Market reference 1
50-day average
$19.6083
+2.43% above average
200-day average
$20.4251
-1.67% below average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
1.82B USD
P/E (TTM)
12.55×
P/B (TTM)
2.47×
P/S (TTM)
1.46×
EV / EBITDA
1.47×
Earnings yield
48.64%
Free cash flow yield
80.76%
Dividend yield
4.89%

Profitability & efficiency

Gross margin
26.05%
Operating margin
14.71%
Net margin
11.66%
Return on equity
17.47%
Return on assets
2.58%
Return on invested capital
9.67%

Financial health

Debt / equity
0.38×
Current ratio
0.5×
Altman Z-score
0.65
Piotroski F-score
6 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends50%36%21%7%Gross margin, FY2021: 22.02%Gross margin, FY2022: 17.66%Gross margin, FY2023: 17.53%Gross margin, FY2024: 17.79%Gross margin, FY2025: 46.32%Operating margin, FY2021: 21.43%Operating margin, FY2022: 16.58%Operating margin, FY2023: 13.88%Operating margin, FY2024: 13.58%Operating margin, FY2025: 13.13%Net margin, FY2021: 32.02%Net margin, FY2022: 13.26%Net margin, FY2023: 11.02%Net margin, FY2024: 10.72%Net margin, FY2025: 10.30%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 22.02%. Gross margin FY2022 17.66%. Gross margin FY2023 17.53%. Gross margin FY2024 17.79%. Gross margin FY2025 46.32%. Operating margin FY2021 21.43%. Operating margin FY2022 16.58%. Operating margin FY2023 13.88%. Operating margin FY2024 13.58%. Operating margin FY2025 13.13%. Net margin FY2021 32.02%. Net margin FY2022 13.26%. Net margin FY2023 11.02%. Net margin FY2024 10.72%. Net margin FY2025 10.30%.

Income trends

Revenue

8.17B USD-1.26%

Operating income

1.07B USD-4.54%

Net income

842M USD-5.07%
Income trends across reported periods9.02B USD6.05B USD3.07B USD98.4M USDRevenue, FY2021: 6.23B USDRevenue, FY2022: 6.77B USDRevenue, FY2023: 7.73B USDRevenue, FY2024: 8.28B USDRevenue, FY2025: 8.17B USDOperating income, FY2021: 1.34B USDOperating income, FY2022: 1.12B USDOperating income, FY2023: 1.07B USDOperating income, FY2024: 1.12B USDOperating income, FY2025: 1.07B USDNet income, FY2021: 2B USDNet income, FY2022: 898M USDNet income, FY2023: 852M USDNet income, FY2024: 887M USDNet income, FY2025: 842M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 6.23B USD. Revenue FY2022 6.77B USD. Revenue FY2023 7.73B USD. Revenue FY2024 8.28B USD. Revenue FY2025 8.17B USD. Operating income FY2021 1.34B USD. Operating income FY2022 1.12B USD. Operating income FY2023 1.07B USD. Operating income FY2024 1.12B USD. Operating income FY2025 1.07B USD. Net income FY2021 2B USD. Net income FY2022 898M USD. Net income FY2023 852M USD. Net income FY2024 887M USD. Net income FY2025 842M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue8.17B USD8.28B USD7.73B USD6.77B USD6.23B USD
Cost of goods sold4.39B USD6.81B USD6.37B USD5.58B USD4.86B USD
Gross profit3.79B USD1.47B USD1.36B USD1.2B USD1.37B USD
Operating expenses2.71B USD349M USD282M USD73M USD37M USD
Interest income33M USD29M USD34M USD39M USD30M USD
Interest expense80M USD76M USD76M USD85M USD94M USD
Depreciation and amortization86M USD81M USD78M USD100M USD187M USD
Operating income1.07B USD1.12B USD1.07B USD1.12B USD1.34B USD
Net income842M USD887M USD852M USD898M USD2B USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
64%
7 beats, 4 misses, 0 met estimates
Average EPS surprise
+1.65%
11 comparable reports
Latest EPS result
2.82
Estimate 2.32 · Beat by 21.55%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates3.83.092.371.66Q1 '25BeatQ2 '25MissQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 4, 2025: actual 3.12, estimate 3.1, surprise +0.65%, Beat. Q2 2025, reported May 6, 2025: actual 1.81, estimate 2.07, surprise -12.56%, Miss. Q3 2025, reported Aug 5, 2025: actual 2.14, estimate 2.1, surprise +1.90%, Beat. Q4 2025, reported Nov 4, 2025: actual 2.69, estimate 2.52, surprise +6.75%, Beat. Q1 2026, reported Feb 3, 2026: actual 3.65, estimate 3.27, surprise +11.62%, Beat. Q2 2026, reported May 5, 2026: actual 2.29, estimate 2.52, surprise -9.13%, Miss. Q3 2026, reported Aug 4, 2026: actual 2.82, estimate 2.32, surprise +21.55%, Beat. Q4 2026, reported Nov 4, 2026: actual —, estimate 3.25, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates2.51B2.17B1.82B1.48BQ1 '25BeatQ2 '25MissQ3 '25MissQ4 '25BeatQ1 '26MissQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 4, 2025: actual 1.85B USD, estimate 1.78B USD, surprise +4.01%, Beat. Q2 2025, reported May 6, 2025: actual 1.58B USD, estimate 1.7B USD, surprise -6.95%, Miss. Q3 2025, reported Aug 5, 2025: actual 1.65B USD, estimate 1.71B USD, surprise -3.78%, Miss. Q4 2025, reported Nov 4, 2025: actual 2.01B USD, estimate 1.98B USD, surprise +1.76%, Beat. Q1 2026, reported Feb 3, 2026: actual 1.81B USD, estimate 1.9B USD, surprise -4.83%, Miss. Q2 2026, reported May 5, 2026: actual 1.85B USD, estimate 1.7B USD, surprise +9.16%, Beat. Q3 2026, reported Aug 4, 2026: actual 1.92B USD, estimate 1.85B USD, surprise +3.31%, Beat. Q4 2026, reported Nov 4, 2026: actual —, estimate 2.41B USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Rating distribution

8 ratings
Strong buy00%
Buy450%
Hold450%
Sell00%
Strong sell00%

AFGD news

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$1.4063

2025 complete year+0.1% since 2021

2026 partial: $1.0547

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Aug 14, 2026

$0.3516

Quarterly

Record Aug 14, 2026 · Payment Sep 1, 2026

Dividend

Ex-dividend May 15, 2026

$0.3516

Quarterly

Record May 15, 2026 · Payment Jun 1, 2026

Dividend

Ex-dividend Feb 13, 2026

$0.3516

Quarterly

Record Feb 13, 2026 · Payment Mar 2, 2026

Dividend

Ex-dividend Nov 14, 2025

$0.3516

Quarterly

Record Nov 14, 2025 · Payment Dec 1, 2025

Dividend

Ex-dividend Aug 15, 2025

$0.3516

Quarterly

Record Aug 15, 2025 · Payment Sep 2, 2025

Dividend

Ex-dividend May 15, 2025

$0.3516

Quarterly

Record May 15, 2025 · Payment Jun 2, 2025

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BAC

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$61.69

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ETFs holding AFGD

Funds reporting this stock among their holdings, ordered by reported position size.

iShares Preferred and Income Securities ETF logoiShares Preferred and Income Securities ETFPFF
Market value
7.58M
Weight
0.06%
AUM
13.06B USD
Expense ratio
0.45%
Price / 1D
$30.46+0.03%
Invesco Preferred ETF logoInvesco Preferred ETFPGX
Market value
4.38M
Weight
0.12%
AUM
3.76B USD
Expense ratio
0.50%
Price / 1D
$10.60-0.28%
Goldman Sachs Access U.S. Preferred Stock and Hybrid Securities ETF logoGoldman Sachs Access U.S. Preferred Stock and Hybrid Securities ETFGPRF
Market value
42.64K
Weight
0.03%
AUM
145.77M USD
Expense ratio
0.45%
Price / 1D
$49.345+0.03%
iShares Morningstar Multi-Asset Income ETF logoiShares Morningstar Multi-Asset Income ETFIYLD
Market value
10.68K
Weight
0.01%
AUM
125.77M USD
Expense ratio
0.50%
Price / 1D
$22.29+0.22%

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