# American Financial Group Inc. (AFG) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Insurance. Price $142.72, market value $11.8 billion.

## Valuation
- **P/E (trailing): 12.5×** (5-yr avg 10.0×, 3-yr avg 11.7×). American Financial Group Inc. trades at 12.5× trailing earnings, well above its own five-year average of 10.0×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 11.8×, lower than trailing, so analysts expect earnings to grow.
- **Price / sales: 1.4×**. Each dollar of revenue is priced at 1.4×.
- **Price / book: 2.5×**. The shares trade at 2.5× book value; book value is a meaningful part of the valuation.
- **EV / EBITDA: 9.2×**. Enterprise value is 9.2× operating earnings before depreciation, the multiple that ignores how the company is financed.
- **Earnings yield: 8.0%**. The inverse of the P/E: 8.0% of the price is earned each year.

## Profitability
- **Operating margin: 14.5%**. 14.5% of revenue is left after running the business.
- **Net margin: 10.3%**. 10.3% of each dollar of sales reaches the bottom line.
- **Return on equity: 17.5%**. 17.5% on shareholders' equity is solid.
- **Return on invested capital: 19.3%**. Return on all capital, debt included, is 19.3%: comfortably above what that capital costs.
- **Return on assets: 2.9%**. Each dollar of assets produces 2.9% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): -1.8%** (3-yr 5.1%/yr, 5-yr 7.2%/yr). Revenue fell 1.8% over the last year, against 7.2% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): -4.6%** (3-yr -1.4%/yr, 5-yr 4.2%/yr). Earnings per share fell 4.6%, roughly in step with revenue.

## Financial health
- **Piotroski F-score: 4/9**. 4 of 9 checks pass: mixed.
- **Cash and short-term investments: $1.7 billion**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 2.47%** ($3.52 per share, trailing). American Financial Group Inc. yields 2.47%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 72%**. 72% of earnings goes out as dividends, leaving a thin cushion.
- **Dividend growth (5 yr): 13.6%/yr** (1-yr -22.8%). The dividend has compounded at 13.6% a year over five years, doubling roughly every 5 years at that pace.

## Analyst view
- **Analyst consensus: buy** (6 analysts). 6 analysts cover American Financial Group Inc.; the consensus is buy, with an average price target of $155.83 (+9% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 7.6%** (YTD 7.8%, 3-mo 8.4%). The shares are up 7.6% over twelve months including dividends.
- **From 52-week high: -4.9%** (15.9% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 48**. An RSI of 48 is neutral.
- **Beta (1 yr): -0.00** (volatility 19%). Beta of -0.00 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=AFG · Page: https://foliofundamentals.com/stocks/afg

Not investment advice.