Is AFG a good stock to buy right now?

Based on our 6-factor quantitative model, AMERICAN FINANCIAL GROUP INC (AFG) receives a "Hold" rating with a composite score of 37.9/100. It is ranked #1,545 out of 4,446 stocks. Key factor scores: Quality 25/100, Value 31/100, Momentum 38/100. The timing signal is "Neutral". This is quantitative analysis only — not investment advice.

What is the stock rating for AFG?

AMERICAN FINANCIAL GROUP INC (AFG) has a "Hold" rating and 3-star score. The composite score of 37.9 ranks it #1,545 among 4,446 U.S. stocks. Ratings are updated weekly using academically-proven factor models.

What sector is AFG in?

AMERICAN FINANCIAL GROUP INC operates in the Financials sector (Insurance industry) with a market cap of $10.64 billion. It is classified as a large-cap stock.

Does AFG pay a dividend?

AFG does not currently pay a regular dividend. The company may be reinvesting profits for growth.

What is AFG's P/E ratio?

AFG has a trailing P/E ratio of 12.89x. The Financials sector average is 14.9x. This below-average P/E may indicate the stock is undervalued.

How profitable is AFG?

AFG's quality factor score is 25/100. Gross margin: 0.0%. ROE: 17.5% vs sector average 8.5%. Margins are moderate to low, reflecting competitive market dynamics.

How is AFG valued compared to peers?

AFG's value factor score is 31/100 (higher = cheaper). Key multiples: P/E 12.9x, EV/EBITDA 15.6x. Trading at a premium relative to peers.

What is AFG's debt level?

AFG's debt-to-equity ratio is 38%. Sector average: 121%. Low leverage suggests conservative financial management.

AFG has a beta of 0.49, meaning it is less volatile than the market. Stability score: 90/100.

Does AFG have high short interest?

AFG's short interest factor score is 35/100 (higher = less short selling). Elevated short interest may indicate bearish sentiment or short squeeze potential.

AFG Stock Analysis: Hold (Score 37.9/100) | Blank Capital Research

Data Series	1D	5D	1M	YTD	1Y	3Y	5Y	10Y
AFG	-1.33%	+0.76%	+1.35%	-4.38%	+4.60%	-	-	-
Industry Proxy XLF	-1.09%	+2.50%	+1.42%	-7.30%	+10.59%	-	-	-
U.S. Market SPY	-0.07%	+3.60%	+0.34%	-0.36%	+29.52%	-	-	-
Alpha vs Market	-1.26%	-2.85%	+1.01%	-4.02%	-24.92%	-	-	-
Alpha vs Sector	-0.24%	-1.75%	-0.07%	+2.92%	-5.98%	-	-	-

Metric	AFG	Benchmark
P/E Ratio	12.9x	-13%
EV/EBITDA	15.6x	+380%
Price / Book	2.2x

Stock Entity	Score▼	Quality	Value	Momentum	P/E Ratio	ROE	Gross Margin	Net Margin	Rev Growth	D/E Ratio	Market Cap	Compare
WTM WHITE MOUNTAINS INSURANCE GROUP LTD	63	80	79	54	8.9x	10.1%	96.3%	20.1%	1.6%	14.0x	$5.4B	VS
OPY OPPENHEIMER HOLDINGS INC	63	68	79	63	10.4x	9.9%	0.0%	6.5%	37.5%	273.0x	$959M	VS
ACT Enact Holdings, Inc.	62	81	76	52	8.7x	12.7%	88.5%	55.0%	4.2%	14.0x	$5.7B	VS
IGIC International General Insurance Holdings Ltd.	61	74	93	50	8.6x	82.6%	59.9%	25.1%	-	0.0x	$1.1B	VS
PKBK PARKE BANCORP, INC.	60	60	77	65	9.8x	10.5%	-	24.8%	20.9%	593.0x	$335M	VS
SSSS SURO CAPITAL CORP.	60	89	33	65	4.7x	30.9%	0.0%	-752.0%	-48.3%	34.0x	$290M	VS
CB Chubb Ltd	59	67	71	52	12.8x	12.5%	0.0%	16.6%	15.6%	20.0x	$128.0B	VS
RRBI RED RIVER BANCSHARES INC	59	59	69	68	15.0x	11.0%	0.0%	27.5%	13.3%	818.0x	$607M	VS
UFCS UNITED FIRE GROUP INC	59	64	78	58	9.8x	10.6%	100.0%	7.3%	17.5%	308.0x	$936M	VS
SPFI SOUTH PLAINS FINANCIAL, INC.	58	59	73	55	12.8x	11.0%	0.0%	21.7%	9.0%	807.0x	$690M	VS
AFG AMERICAN FINANCIAL GROUP INC	38	25	31	38	12.9x	17.5%	0.0%	8.9%	-13.9%	38.0x	$10.6B

Key Ratio	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Gross Margin %	0.0%	-	-	-	-	-	-0.0%	-0.0%	-0.0%	-0.0%	-0.0%
Operating Margin %	0.1%	0.1%	0.1%	0.1%	0.2%	0.2%	1.0%	1.0%	1.0%	1.0%	1.0%
EBITDA Margin %	0.1%	0.1%	0.1%	0.1%	0.2%	0.2%	0.1%	0.1%	0.1%	0.1%	0.1%
Net Margin %	0.1%	0.1%	0.1%	0.1%	0.1%	0.3%	0.1%	0.1%	0.1%	0.1%	0.1%
FCF Margin %	-1.9%	-	-	-	-	-	37.4%	29.5%	28.3%	25.0%	17.1%
ROE %	-	0.2%	0.2%	0.2%	0.2%	0.4%	0.1%	0.1%	0.1%	0.1%	0.1%
ROA %	-	0.0%	0.0%	0.0%	0.0%	0.1%	0.0%	0.0%	0.0%	0.0%	0.0%
ROIC %	589.5%	12.8%	14.9%	14.8%	16.0%	15.1%	64.3%	119.9%	118.7%	181.3%	125.5%

Key Ratio

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

Gross Margin %

0.0%

-0.0%

Operating Margin %

0.1%

0.2%

1.0%

EBITDA Margin %

0.1%

0.2%

0.1%

Net Margin %

0.1%

0.3%

0.1%

FCF Margin %

-1.9%

37.4%

29.5%

28.3%

25.0%

17.1%

ROE %

0.2%

0.4%

0.1%

ROA %

0.0%

0.1%

0.0%

ROIC %

589.5%

12.8%

14.9%

14.8%

16.0%

15.1%

64.3%

119.9%

118.7%

181.3%

125.5%

Line Item	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
	$8.2B	$8.2B	$8.3B	$7.8B	$7.0B	$6.6B	$5.7B	$8.2B	$7.1B	$6.8B	$6.4B	$6.1B
	—	—	—	—	—	—	-$88M	-$68M	-$62M	-$85M	-$77M	-$74M
Gross Margin	0.0%	---	---	---	---	---	-1.5%	-0.8%	-0.9%	-1.3%	-1.2%	-1.2%
	—	$2.1B	$2.0B	$1.9B	$1.7B	—	—	—	—	—	—	—
Depreciation	—	—	—	—	—	—	$299M	$259M	$210M	$107M	$134M	$134M
Total Operating Expenses	—	$7.1B	$7.2B	$6.8B	$5.9B	$5.2B	—	—	—	—	—	—
	$694M	$1.1B	$1.1B	$1.1B	$1.1B	$1.3B	$5.8B	$8.2B	$7.2B	$6.9B	$6.5B	$6.1B
EBIT	$694M	$1.1B	$1.1B	$1.1B	$1.1B	$1.3B	$5.8B	$8.2B	$7.2B	$6.9B	$6.5B	$6.1B
EBITDA	$694M	$1.1B	$1.1B	$1.1B	$1.1B	$1.3B	$638M	$893M	$849M	$831M	$921M	$699M
Operating Margin	11.3%	13.1%	13.5%	13.7%	16.0%	20.4%	101.5%	100.8%	100.9%	101.3%	101.2%	101.2%
EBITDA Margin	8.5%	13.1%	13.5%	13.7%	16.0%	20.4%	11.2%	10.9%	12.0%	12.3%	14.3%	11.5%
	—	$80M	$76M	$76M	$85M	$94M	$88M	$68M	$62M	$85M	$77M	$74M
	—	$1.1B	$1.1B	$1.1B	$1.1B	$1.3B	—	—	—	—	—	—
Income Tax Expense	—	$231M	$237M	$221M	$225M	$254M	$25M	$239M	$122M	$247M	$119M	$195M
	$842M	$842M	$887M	$852M	$898M	$2.0B	$721M	$869M	$517M	$477M	$668M	$370M
Net Margin	8.9%	10.3%	10.7%	10.9%	12.8%	30.4%	12.7%	14.1%	7.3%	7.0%	10.4%	6.1%
	$3.59	$10.08	$10.57	$10.06	$10.55	$23.44	$8.25	$9.98	$5.95	$5.40	$7.47	$4.02
Diluted EPS	$3.59	$10.08	$10.57	$10.05	$10.53	$23.30	$8.25	$9.98	$5.95	$5.40	$7.47	$4.02
Weighted Avg Basic	—	84M	84M	85M	85M	85M	—	—	—	—	—	—
Weighted Avg Diluted	—	84M	84M	85M	85M	86M	—	—	—	—	—	—

Line Item

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

2015

$8.2B

$8.3B

$7.8B

$7.0B

$6.6B

$5.7B

$8.2B

$7.1B

$6.8B

$6.4B

$6.1B

—

-$88M

-$68M

-$62M

-$85M

-$77M

-$74M

Gross Margin

0.0%

---

-1.5%

-0.8%

-0.9%

-1.3%

-1.2%

—

$2.1B

$2.0B

$1.9B

$1.7B

—

Depreciation

—

$299M

$259M

$210M

$107M

$134M

Total Operating Expenses

—

$7.1B

$7.2B

$6.8B

$5.9B

$5.2B

—

$694M

$1.1B

$1.3B

$5.8B

$8.2B

$7.2B

$6.9B

$6.5B

$6.1B

EBIT

$694M

$1.1B

$1.3B

$5.8B

$8.2B

$7.2B

$6.9B

$6.5B

$6.1B

EBITDA

$694M

$1.1B

$1.3B

$638M

$893M

$849M

$831M

$921M

$699M

Operating Margin

11.3%

13.1%

13.5%

13.7%

16.0%

20.4%

101.5%

100.8%

100.9%

101.3%

101.2%

EBITDA Margin

8.5%

13.1%

13.5%

13.7%

16.0%

20.4%

11.2%

10.9%

12.0%

12.3%

14.3%

11.5%

—

$80M

$76M

$85M

$94M

$88M

$68M

$62M

$85M

$77M

$74M

—

$1.1B

$1.3B

—

Income Tax Expense

—

$231M

$237M

$221M

$225M

$254M

$25M

$239M

$122M

$247M

$119M

$195M

$842M

$887M

$852M

$898M

$2.0B

$721M

$869M

$517M

$477M

$668M

$370M

Net Margin

8.9%

10.3%

10.7%

10.9%

12.8%

30.4%

12.7%

14.1%

7.3%

7.0%

10.4%

6.1%

$3.59

$10.08

$10.57

$10.06

$10.55

$23.44

$8.25

$9.98

$5.95

$5.40

$7.47

$4.02

Diluted EPS

$3.59

$10.08

$10.57

$10.05

$10.53

$23.30

$8.25

$9.98

$5.95

$5.40

$7.47

$4.02

Weighted Avg Basic

—

84M

85M

—

Weighted Avg Diluted

—

84M

85M

86M

—

AMERICAN FINANCIAL GROUP INC (AFG) Stock Analysis — April 2026 Rating, Price, and Forecast

Last updated: April 2026

Company Overview — What Does AMERICAN FINANCIAL GROUP INC Do?

American Financial Group, Inc., an insurance holding company, provides specialty property and casualty insurance products in the United States. It offers property and transportation insurance products, such as physical damage and liability coverage for buses and trucks, inland and ocean marine, agricultural-related products, and other commercial property and specialty transportation 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. The company sells its property and casualty insurance products through independent insurance agents and brokers. American Financial Group, Inc. was founded in 1872 and is headquartered in Cincinnati, Ohio. AMERICAN FINANCIAL GROUP INC (AFG) is classified as a large-cap stock in the Financials sector, specifically within the Insurance industry. The company is led by CEO Carl H. Lindner and employs approximately 6,900 people, headquartered in Cincinnati, Ohio. With a market capitalization of $10.6B, AFG is one of the prominent companies in the Financials sector.

AMERICAN FINANCIAL GROUP INC (AFG) Stock Rating — Hold (April 2026)

As of April 2026, AMERICAN FINANCIAL GROUP INC receives a Hold rating with a composite score of 37.9/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.AFG ranks #1,545 out of 4,446 stocks in our coverage universe. Within the Financials sector, AMERICAN FINANCIAL GROUP INC ranks #466 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

AFG Stock Price and 52-Week Range

AMERICAN FINANCIAL GROUP INC (AFG) currently trades at $130.69. The stock lost $1.76 (1.3%) in the most recent trading session. The 52-week high for AFG is $150.02, which means the stock is currently trading -12.9% from its annual peak. The 52-week low is $114.73, putting the stock 13.9% above its annual trough. Recent trading volume was 400K shares, suggesting relatively thin trading activity.

Is AFG Overvalued or Undervalued? — Valuation Analysis

AMERICAN FINANCIAL GROUP INC (AFG) carries a value factor score of 31/100 in the Blank Capital model, signaling premium valuation that prices in significant future growth. The trailing price-to-earnings ratio is 12.89x, compared to the Financials sector average of 14.88x — a discount of 13%. The price-to-book ratio stands at 2.20x, versus the sector average of 1.22x. The price-to-sales ratio is 1.33x, compared to 0.90x for the average Financials stock. On an enterprise value basis, AFG trades at 15.64x EV/EBITDA, versus 3.26x for the sector.

At current multiples, AMERICAN FINANCIAL GROUP INC trades at a premium to most Financials peers. This elevated valuation may be justified if the company can sustain above-average growth rates and profitability, but it also creates downside risk if earnings disappoint expectations.

AMERICAN FINANCIAL GROUP INC Profitability — ROE, Margins, and Quality Score

AMERICAN FINANCIAL GROUP INC (AFG) earns a quality factor score of 25/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is 17.5%, compared to the Financials sector average of 8.5%, which is within a healthy range. Return on assets (ROA) comes in at 2.6% versus the sector average of 1.2%.

On a margin basis, AMERICAN FINANCIAL GROUP INC reports gross margins of 0.0%. The operating margin is 11.3% (sector: 21.8%). Net profit margin stands at 8.9%, versus 17.7% for the average Financials stock. Revenue growth is running at -13.9% on a trailing basis, compared to 9.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

AFG Debt, Balance Sheet, and Financial Health

AMERICAN FINANCIAL GROUP INC has a debt-to-equity ratio of 38.0%, compared to the Financials sector average of 121.0%. The low leverage indicates a conservative balance sheet with significant financial flexibility. Total debt on the balance sheet is $1.82B. Cash and equivalents stand at $1.73B.

AFG has a beta of 0.49, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for AMERICAN FINANCIAL GROUP INC is 90/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.

AMERICAN FINANCIAL GROUP INC Revenue and Earnings History — Quarterly Trend

In TTM 2026, AMERICAN FINANCIAL GROUP INC reported revenue of $8.15B and earnings per share (EPS) of $3.59. Net income for the quarter was $842M. Gross margin was 0.0%. Operating income came in at $694M.

In Q4 2025, AMERICAN FINANCIAL GROUP INC reported revenue of $2.04B. Net income for the quarter was $299M.

In FY 2025, AMERICAN FINANCIAL GROUP INC reported revenue of $8.17B and earnings per share (EPS) of $10.08. Net income for the quarter was $842M. Operating income came in at $1.07B.

In Q3 2025, AMERICAN FINANCIAL GROUP INC reported revenue of $2.33B and earnings per share (EPS) of $2.58. Net income for the quarter was $215M. Operating income came in at $268M.

Over the past 8 quarters, AMERICAN FINANCIAL GROUP INC has experienced revenue contraction from $8.22B to $8.15B. Investors analyzing AFG stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

AFG Dividend Yield and Income Analysis

AMERICAN FINANCIAL GROUP INC (AFG) does not currently pay a dividend. This is common among growth-oriented companies in the Insurance industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Financials dividend stocks may want to explore other Financials stocks or use the stock screener to filter by dividend yield.

AFG Momentum and Technical Analysis Profile

AMERICAN FINANCIAL GROUP INC (AFG) has a momentum factor score of 38/100, signaling weak relative price performance. Stocks with low momentum scores have historically tended to continue underperforming in the near term. The investment factor score is 37/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 35/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.

AFG vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, AMERICAN FINANCIAL GROUP INC (AFG) ranks #466 out of 891 stocks based on the Blank Capital composite score. This places AFG in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing AFG against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full AFG vs S&P 500 (SPY) comparison to assess how AMERICAN FINANCIAL GROUP INC stacks up against the broader market across all factor dimensions.

AFG Next Earnings Date

No upcoming earnings date has been announced for AMERICAN FINANCIAL GROUP INC (AFG) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy AFG? — Investment Thesis Summary

AMERICAN FINANCIAL GROUP INC presents a balanced picture with arguments on both sides. The quality score of 25/100 flags below-average profitability. The value score of 31/100 indicates premium valuation. Momentum is weak at 38/100, a headwind for near-term performance. Low volatility (stability score 90/100) reduces downside risk.

In summary, AMERICAN FINANCIAL GROUP INC (AFG) earns a Hold rating with a composite score of 37.9/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on AFG stock.

Related Resources for AFG Investors

Explore more research and tools: AFG vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare AFG head-to-head with peers: AFG vs WTM, AFG vs OPY, AFG vs ACT.

Business quality

Valuation edge

Market alpha

Unlock Investment Thesis

Unlock Performance & Technicals

Unlock Valuation Tools

Institutional peer matrix

Dispersion: efficiency vs. valuation

Lateral intelligence network

Unlock Financial Statements

Unlock Ownership & Management

Intelligence Feed

3 Reasons to Avoid AFG and 1 Stock to Buy Instead

NMIH Stock Outperforms Industry, Trades Near 52-Week High: Time to Buy?

Stressed by the price of car insurance? These tips can help lower costs

Dividend Champion, Contender, And Challenger Highlights: Week Of April 12

Wells Fargo Maintains Overweight on American Financial Group, Lowers Price Target to $155

Unlock Earnings Transcripts

Institutional Intelligence FAQ

Related Research & Tools

Related Financials Stocks

AMERICAN FINANCIAL GROUP INC (AFG) Stock Analysis — April 2026 Rating, Price, and Forecast

Company Overview — What Does AMERICAN FINANCIAL GROUP INC Do?

AMERICAN FINANCIAL GROUP INC (AFG) Stock Rating — Hold (April 2026)

AFG Stock Price and 52-Week Range

Is AFG Overvalued or Undervalued? — Valuation Analysis

AMERICAN FINANCIAL GROUP INC Profitability — ROE, Margins, and Quality Score

AFG Debt, Balance Sheet, and Financial Health

AMERICAN FINANCIAL GROUP INC Revenue and Earnings History — Quarterly Trend

AFG Dividend Yield and Income Analysis

AFG Momentum and Technical Analysis Profile

AFG vs Competitors — Financials Sector Ranking and Peer Comparison

AFG Next Earnings Date

Should You Buy AFG? — Investment Thesis Summary

Related Resources for AFG Investors

Comments

Institutional Benchmarks

Get alerted on rating changes

Intelligence Feed

3 Reasons to Avoid AFG and 1 Stock to Buy Instead

NMIH Stock Outperforms Industry, Trades Near 52-Week High: Time to Buy?

Stressed by the price of car insurance? These tips can help lower costs

Dividend Champion, Contender, And Challenger Highlights: Week Of April 12

Wells Fargo Maintains Overweight on American Financial Group, Lowers Price Target to $155