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American Financial Group, Inc., an insurance holding company, provides property and casualty insurance products in the United States. It operates through Property and Casualty Insurance and Other segments. The company offers property and transportation insurance products, such as physical damage and liability coverage for buses and trucks, other specialty transportation niches, inland and ocean marine, agricultural-related products, and other commercial property coverages; specialty casualty insurance, including primarily excess and surplus, executive and professional liability, general liability, umbrella and excess liability, and specialty coverage in targeted markets, as well as customized programs for small to mid-sized businesses and workers compensation insurance; and specialty financial insurance products comprising risk management insurance programs for lending and leasing institutions, fidelity and surety products, and trade credit insurance. It sells its property and casualty insurance products through independent insurance agents and brokers. American Financial Group, Inc. was formerly known as American Financial Group Holdings Inc and changed its name to American Financial Group, Inc. in July 1997. The company was founded in 1872 and is headquartered in Cincinnati, Ohio.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
American Financial Group operates through Great American Insurance Group, providing property & casualty, specialty commercial insurance and annuity products. Long-term growth may be supported by pricing discipline in specialty lines, investment income and selective acquisitions as retirement demand persists. Investors may find it attractive for a diversified underwriting mix, conservative reserving and consistent capital returns.
The main risks are underwriting and catastrophe losses, reserve adequacy, investment/interest-rate sensitivity and regulatory or competitive pressure.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 1073.00M | 1124.00M | 1073.00M | 1123.00M | 1335.00M |
| Minority interest | - | - | - | 0.00M | 0.00M |
| Net income | 842.00M | 887.00M | 852.00M | 898.00M | 1081.00M |
| Selling general administrative | 42.00M | 41.00M | 36.00M | - | - |
| Gross profit | 3786.00M | 1473.00M | 1355.00M | 7040.00M | 6552.00M |
| Reconciled depreciation | 86.00M | 81.00M | 82.00M | 100.00M | 187.00M |
| Ebit | 1153.00M | 1200.00M | 1149.00M | 1208.00M | 2136.00M |
| Ebitda | 1239.00M | 1281.00M | 1227.00M | 1308.00M | 2323.00M |
| Depreciation and amortization | 86.00M | 81.00M | 78.00M | 100.00M | 187.00M |
| Operating income | 1073.00M | 1124.00M | 1073.00M | 1208.00M | 2136.00M |
| Other operating expenses | 7101.00M | 7154.00M | 6655.00M | 5917.00M | 5217.00M |
| Interest expense | 80.00M | 76.00M | 76.00M | 85.00M | 94.00M |
| Tax provision | 231.00M | 237.00M | 219.00M | 225.00M | 254.00M |
| Interest income | 80.00M | 29.00M | 41.00M | 85.00M | 94.00M |
| Net interest income | -80.00M | -76.00M | -77.00M | -85.00M | -94.00M |
| Extraordinary items | - | - | - | 0.00M | 914.00M |
| Income tax expense | 231.00M | 237.00M | 221.00M | 225.00M | 254.00M |
| Total revenue | 8174.00M | 8278.00M | 7728.00M | 7040.00M | 6552.00M |
| Total operating expenses | 2713.00M | 349.00M | 282.00M | 5917.00M | -4416.00M |
| Cost of revenue | 4388.00M | 6805.00M | 6373.00M | - | - |
| Total other income expense net | -80.00M | -30.00M | 19.00M | -85.00M | -801.00M |
| Discontinued operations | - | - | - | - | 914.00M |
| Net income from continuing ops | 842.00M | 887.00M | 865.00M | 898.00M | 1081.00M |
| Net income applicable to common shares | 842.00M | 887.00M | 852.00M | 898.00M | 1995.00M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 26504.00M | 25006.00M | 24616.00M | 28831.00M | 28939.00M |
| Intangible assets | 189.00M | 203.00M | 213.00M | 108.00M | 106.00M |
| Other current assets | - | 1013.00M | -18721.00M | -2542.00M | -24562.00M |
| Total liab | 24370.00M | 20540.00M | 20358.00M | 24779.00M | 23927.00M |
| Total stockholder equity | 4820.00M | 4466.00M | 4258.00M | 4052.00M | 5012.00M |
| Other current liab | -1195.00M | -40.00M | -1186.00M | -1035.00M | -920.00M |
| Common stock | 83.00M | 84.00M | 84.00M | 85.00M | 85.00M |
| Capital stock | 83.00M | 84.00M | 84.00M | 85.00M | 85.00M |
| Retained earnings | 3357.00M | 3211.00M | 3121.00M | 3142.00M | 3478.00M |
| Other liab | - | - | - | 18886.00M | 17858.00M |
| Good will | 327.00M | 305.00M | 305.00M | 246.00M | 234.00M |
| Other assets | 13938.00M | 20405.00M | 29787.00M | 1121.00M | -2368.00M |
| Cash | 1727.00M | 1406.00M | 1225.00M | 872.00M | 2131.00M |
| Cash and equivalents | 1727.00M | 1406.00M | 1225.00M | 872.00M | 2131.00M |
| Total current liabilities | 2686.00M | 2611.00M | 2527.00M | 1035.00M | 920.00M |
| Current deferred revenue | 2647.00M | 2571.00M | 2490.00M | - | - |
| Net debt | 309.00M | 493.00M | 609.00M | 624.00M | -167.00M |
| Short term debt | 39.00M | 40.00M | 37.00M | 0.00M | 0.00M |
| Short long term debt total | 2036.00M | 1899.00M | 1834.00M | 1496.00M | 1964.00M |
| Other stockholder equity | 1430.00M | 1411.00M | 1372.00M | 1368.00M | 1330.00M |
| Property plant equipment | 198.00M | 212.00M | 176.00M | 103.00M | 118.00M |
| Total current assets | 3368.00M | 2938.00M | 2696.00M | 14627.00M | 18129.00M |
| Long term investments | 14349.00M | 13502.00M | 13266.00M | 12837.00M | 12944.00M |
| Net tangible assets | - | - | - | 3806.00M | 5035.00M |
| Short term investments | 626.00M | 540.00M | 10377.00M | 10095.00M | 10357.00M |
| Net receivables | 1641.00M | 1532.00M | 1471.00M | 6202.00M | 5641.00M |
| Long term debt | 1820.00M | 1475.00M | 1475.00M | 1496.00M | 1964.00M |
| Inventory | - | - | -8865.00M | -886.00M | -857.00M |
| Accounts payable | 1195.00M | 1191.00M | 1186.00M | 1035.00M | 920.00M |
| Accumulated other comprehensive income | -50.00M | -240.00M | -319.00M | -543.00M | 119.00M |
| Common stock total equity | - | - | - | 85.00M | 85.00M |
| Retained earnings total equity | - | - | - | 3142.00M | 3478.00M |
| Non currrent assets other | 6475.00M | 6439.00M | 6785.00M | -13083.00M | -13178.00M |
| Non current assets total | 23136.00M | 22068.00M | 21920.00M | 13083.00M | 13178.00M |
| Long term debt total | 1820.00M | 1475.00M | 1475.00M | 1496.00M | 1964.00M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | -545.00M | 95.00M | 470.00M | -737.00M | 1442.00M |
| Change to liabilities | - | - | - | 46.00M | 43.00M |
| Total cashflows from investing activities | -835.00M | 95.00M | 414.00M | -1051.00M | -436.00M |
| Net borrowings | 344.00M | 0.00M | -21.00M | -477.00M | -477.00M |
| Total cash from financing activities | -377.00M | -1066.00M | -2031.00M | -1361.00M | -1957.00M |
| Change to operating activities | - | - | - | 186.00M | 805.00M |
| Net income | 842.00M | 887.00M | 852.00M | 898.00M | 1995.00M |
| Change in cash | 321.00M | 181.00M | 353.00M | -1259.00M | -679.00M |
| Begin period cash flow | 1406.00M | 1225.00M | 872.00M | 2131.00M | 2810.00M |
| End period cash flow | 1727.00M | 1406.00M | 1225.00M | 872.00M | 2131.00M |
| Total cash from operating activities | 1533.00M | 1152.00M | 1970.00M | 1153.00M | 1714.00M |
| Issuance of capital stock | 12.00M | 17.00M | 15.00M | 16.00M | 66.00M |
| Depreciation | 86.00M | 81.00M | 78.00M | 100.00M | 187.00M |
| Other cashflows from investing activities | 5.00M | 25.00M | 718.00M | -314.00M | -1878.00M |
| Dividends paid | 606.00M | 788.00M | 684.00M | -1213.00M | -2374.00M |
| Change to account receivables | - | -769.00M | -794.00M | - | - |
| Sale purchase of stock | -99.00M | 17.00M | -213.00M | -11.00M | -319.00M |
| Other cashflows from financing activities | -28.00M | -295.00M | -1128.00M | 324.00M | 754.00M |
| Change to netincome | - | - | - | -31.00M | -1552.00M |
| Capital expenditures | 135.00M | 133.00M | 72.00M | 86.00M | 150.00M |
| Cash flows other operating | - | - | - | 140.00M | 1041.00M |
| Cash and cash equivalents changes | - | - | - | -1259.00M | -679.00M |
| Change in working capital | 610.00M | 238.00M | 1033.00M | 186.00M | 805.00M |
| Stock based compensation | - | - | 18.00M | - | - |
| Other non cash items | -5.00M | -54.00M | 7.00M | -31.00M | -1273.00M |
| Free cash flow | 1398.00M | 1152.00M | 1898.00M | 1067.00M | 1564.00M |
Sector: Financial Services Industry: Insurance - Property & Casualty
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| AFG American Financial Group, Inc. |
-1.80 1.15% |
154.55 | 12.98 | 11.53 | 1.37 | 2.25 | 1.35 |
| CB Chubb Ltd |
-6.61 1.78% |
365.02 | 12.11 | 11.83 | 2.13 | 1.75 | 2.45 |
| PGR Progressive Corp |
-5.41 2.32% |
227.77 | 11.10 | 13.55 | 1.41 | 3.74 | 1.50 |
| TKOMF Tokio Marine Holdings Inc. |
- -% |
3.80 | 28.94 | 12.24 | 0.01 | 1.87 | 1.61 |
| TKOMY Tokio Marine Holdings Inc |
-0.14 3.59% |
3.63 | 28.73 | 12.25 | 0.01 | 1.87 | 1.61 |
American Financial Group, Inc., an insurance holding company, provides property and casualty insurance products in the United States. It operates through Property and Casualty Insurance and Other segments. The company offers property and transportation insurance products, such as physical damage and liability coverage for buses and trucks, other specialty transportation niches, inland and ocean marine, agricultural-related products, and other commercial property coverages; specialty casualty insurance, including primarily excess and surplus, executive and professional liability, general liability, umbrella and excess liability, and specialty coverage in targeted markets, as well as customized programs for small to mid-sized businesses and workers compensation insurance; and specialty financial insurance products comprising risk management insurance programs for lending and leasing institutions, fidelity and surety products, and trade credit insurance. It sells its property and casualty insurance products through independent insurance agents and brokers. American Financial Group, Inc. was formerly known as American Financial Group Holdings Inc and changed its name to American Financial Group, Inc. in July 1997. The company was founded in 1872 and is headquartered in Cincinnati, Ohio.
301 East Fourth Street, Cincinnati, OH, United States, 45202
513 579 2121
8500
| Name | Title | Year Born |
|---|---|---|
| Mr. Stephen Craig Lindner | Co-Pres, Co-CEO & Director | 1955 |
| Mr. Carl Henry Lindner III | Co-Pres, Co-CEO & Director | 1953 |
| Mr. Brian S. Hertzman | Sr. VP & CFO | 1971 |
| Ms. Michelle Ann Gillis SPHR | Sr. VP, Chief HR Officer & Chief Admin. Officer | 1969 |
| Mr. James E. Evans | Exec. Consultant & Director | 1946 |
| Mr. John R. Rogers | Chief Information Security Officer & Divisional VP | NA |
| Ms. Diane P. Weidner | VP of Investor Relations | NA |
| Mr. Mark Andrew Weiss | Sr. VP & Gen. Counsel | NA |
| Mr. Timothy J. Minard | Exec. VP & Chief Distribution Officer of Annuity Operations | NA |
| Mr. Christopher Patrick Miliano | Exec. VP & CFO of Annuity Operations | 1958 |
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