Valuation remains strong (avg 85/100), but growth is pulling the composite down (avg 60/100).
Broad-market heuristics · Not a buy/sell signal
Valuation and growth
Valuation
Growth
Under 20x, reasonable relative to earnings
2.7x book, moderate premium to equity
2–5% CAGR, growing but slowly
5–8% BVPS CAGR, steady compounding
Business Quality & Capital Allocation
Shrinking >2%, active buybacks
Above 15%, strong return on equity
14.6% equity/assets, well-capitalized
Modest contraction, within normal range
American Financial Group (AFG) quality: score, margins and returns
American Financial Group (AFG) scores 72/100 on Intrinsiqq's quality score (a solid business), a weighted blend of 8 metrics each scored 0 to 100, on 14.5% operating margins and 14.0% ROIC. Every metric is computed from SEC filings; this is analysis, not investment advice.
Frequently asked
Is American Financial Group (AFG) a high-quality business?+
American Financial Group scores 72 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which rates it a solid business on these measures. Recent figures include a 14.5% operating margin and a 14.0% return on invested capital. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.
What does American Financial Group's quality score measure?+
Intrinsiqq's quality score weighs profitability, returns on capital, revenue growth, and balance-sheet strength, using measures suited to banks, insurers and other financial companies (where free-cash-flow and operating-margin metrics do not apply), each computed from AFG's SEC filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where American Financial Group scores well and where it falls behind.
What is American Financial Group's return on invested capital (ROIC)?+
American Financial Group earns about 14.0% on its invested capital, which is solid. ROIC measures how much profit a company generates per dollar put to work; sustained ROIC above its cost of capital is one of the clearest signs of a real competitive moat. Compare it to AFG's margins and growth on this scorecard to judge durability.
How profitable is American Financial Group?+
American Financial Group runs an operating margin of about 14.5% and a net margin of about 11.5%. Revenue has grown at roughly 7.2% a year recently. High, stable margins usually point to pricing power and operating discipline. Margins are most telling next to growth and returns on capital, all of which feed this quality score. This is analysis from SEC filings, not investment advice.
SourceQuality score computed from the 10-Q filed 1 Aug 2026, covering the period ending 30 Jun 2026, as reported to the SEC. Data last refreshed 12 Oct 2026. How this is calculated.
Fiscal year ends Dec. Sector medians are approximate S&P 500 benchmarks and update periodically. Checks use broad-market heuristics, so sector norms may differ, and the valuation checks are more cyclical than the quality checks.
Peers
Fire, Marine & Casualty Insurance · Pick stocks to compare with AFG
Held by ETFs
AFG is in 166 US ETFs. The largest of them, with AFG's weight in each:
Spot a number that looks wrong? Check it in AFG's SEC filings or
Download this analysis as a PDF (Pro)
Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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