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Introduction American Financial Group, Inc. ( AFG or the Company ) is an insurance holding company. Through the operations of Great American Insurance Group, AFG is engaged in property and casualty insurance, focusing on specialized commercial products for businesses.
$141.89
+$1.96 (+1.40%)
EOD Jul 17, 2026
Net margin is thin at 10.30%. This may reflect rising credit costs, rate compression, or operational inefficiency.
Revenue declined 1.8% YoY. For a bank, this often signals contracting loan book or reduced fee income.
Financial stocks carry unique risks (credit cycles, regulatory changes, interest rate sensitivity) that aren't captured by standard quality metrics.
13.5x earnings. In line with financial-sector norms. The question is whether the current credit environment supports sustained earnings at this level.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
$8.17B
▼ -1.8% YoY
Net Income (TTM)
$879M
▼ -5.1% YoY
Net Margin
10.76%
P/E
13.5x
Balance Sheet
Total Assets
$32.35B
Equity
$4.68B
Total Debt
$2.03B
Cash & Equiv.
$1.35B
5Y CAGR: +7.2%
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At a P/E of 13.5, A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in .
On quality, American Financial Group scores 75/100 on Intrinsiqq's quality scorecard (a solid business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 4.8%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
American Financial Group scores 75 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a solid business on these measures. Recent fundamentals include a 13.6% operating margin and a 13.2% return on invested capital. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, American Financial Group pays a regular dividend of about $6.85 per share per year (typically in quarterly installments), a yield of roughly 4.8% at the current price. That is a payout ratio of about 65.0% of earnings, so the dividend is well covered. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For AFG's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. you should weigh AFG's valuation and scores 75/100 on quality (solid). It also yields about 4.8%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.