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Upturn AI SWOT - About
AFG 
American Financial Group Inc (AFG)
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Upturn Advisory Summary
01/28/2025: AFG (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -19.22% | Avg. Invested days 34 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 01/28/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 11.10B USD | Price to earnings Ratio 12.5 | 1Y Target Price 136.4 |
Price to earnings Ratio 12.5 | 1Y Target Price 136.4 | ||
Volume (30-day avg) 277384 | Beta 0.77 | 52 Weeks Range 111.81 - 146.93 | Updated Date 04/2/2025 |
52 Weeks Range 111.81 - 146.93 | Updated Date 04/2/2025 | ||
Dividends yield (FY) 2.42% | Basic EPS (TTM) 10.57 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 11.07% | Operating Margin (TTM) 17.15% |
Management Effectiveness
Return on Assets (TTM) 2.55% | Return on Equity (TTM) 20.34% |
Valuation
Trailing PE 12.5 | Forward PE 11.53 | Enterprise Value 11163876023 | Price to Sales(TTM) 1.39 |
Enterprise Value 11163876023 | Price to Sales(TTM) 1.39 | ||
Enterprise Value to Revenue 1.35 | Enterprise Value to EBITDA - | Shares Outstanding 83982096 | Shares Floating 68767068 |
Shares Outstanding 83982096 | Shares Floating 68767068 | ||
Percent Insiders 17.56 | Percent Institutions 65.61 |
Analyst Ratings
Rating 3.5 | Target Price 149.4 | Buy 1 | Strong Buy 1 |
Buy 1 | Strong Buy 1 | ||
Hold 4 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
American Financial Group Inc
Company Overview
History and Background
American Financial Group (AFG) was founded in 1872 as The Ohio National Life Insurance Company. It evolved into American Financial Corporation and then American Financial Group, reflecting its diversification into various insurance and investment sectors. Key milestones include acquisitions and strategic shifts to focus on specialty property and casualty insurance.
Core Business Areas
- Specialty Property and Casualty Insurance: Provides customized insurance products for niche markets, including commercial transportation, agriculture, and specialty financial services.
- Annuities: Offers fixed, fixed-indexed, and variable annuities.
Leadership and Structure
Carl H. Lindner III serves as Co-CEO. The organizational structure is based on a decentralized model, with individual business units operating with significant autonomy.
Top Products and Market Share
Key Offerings
- Annuities: Offerings include fixed indexed annuities. Competitors in the annuity market include Athene and Jackson Financial
- Specialty Property and Casualty Insurance: AFG's primary revenue driver. Market share varies by specific niche. Competitors include Chubb, Travelers, and W.R. Berkley.
Market Dynamics
Industry Overview
The insurance industry is characterized by intense competition, regulatory scrutiny, and evolving consumer demands. Specialty insurance is growing at a faster pace than commoditized insurance products.
Positioning
AFG is a leading provider of specialty property and casualty insurance. Its competitive advantage lies in its underwriting expertise and decentralized operating model.
Total Addressable Market (TAM)
The total addressable market for specialty P&C insurance is estimated to be hundreds of billions of dollars. AFG's TAM within the annuity market has great potential. AFG is well-positioned to grow through organic expansion and strategic acquisitions.
Upturn SWOT Analysis
Strengths
- Specialized Underwriting Expertise
- Decentralized Operating Model
- Strong Capital Position
- Proven Acquisition Strategy
Weaknesses
- Sensitivity to Catastrophic Events
- Dependence on Economic Conditions
- Complexity of Regulatory Environment
Opportunities
- Expansion into New Niche Markets
- Technological Innovation
- Demographic Shifts
- Strategic Acquisitions
Threats
- Increased Competition
- Changes in Regulations
- Adverse Economic Conditions
- Climate Change and Natural Disasters
Competitors and Market Share
Key Competitors
- CB
- TRV
- WRB
Competitive Landscape
AFG competes with larger, more diversified insurers. Its advantage lies in specialization and agility.
Major Acquisitions
Summit Risk Services
- Year: 2024
- Acquisition Price (USD millions):
- Strategic Rationale: Adds to existing fee business and leverages an established team to drive growth in a specialty insurance market.
Growth Trajectory and Initiatives
Historical Growth: AFG has grown steadily through organic expansion and acquisitions.
Future Projections: Analysts project continued growth driven by specialty insurance and strategic capital deployment.
Recent Initiatives: Recent initiatives include acquisitions of specialty insurance businesses and investments in technology.
Summary
American Financial Group is a stable and well-managed specialty insurance company with a history of delivering value to shareholders. Its decentralized model and underwriting expertise are key strengths. Investors should monitor the impact of economic conditions and regulatory changes. Growth potential stems from strategic acquisitions and organic expansion.
Similar Companies
CB
Chubb Ltd
CB
Chubb Ltd
HIG
Hartford Financial Services Group
HIG
Hartford Financial Services Group
TRV
The Travelers Companies Inc
TRV
The Travelers Companies Inc
WRB
W. R. Berkley Corp
WRB
W. R. Berkley Corp
Sources and Disclaimers
Data Sources:
- Company Filings
- Analyst Reports
- Yahoo Finance
- Company Website
- Market Research Reports
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Market data can fluctuate.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About American Financial Group Inc
Exchange NYSE | Headquaters Cincinnati, OH, United States | ||
IPO Launch date 1983-04-06 | Co-CEO & Director Mr. Stephen Craig Lindner | ||
Sector Financial Services | Industry Insurance - Property & Casualty | Full time employees 8700 | Website https://www.afginc.com |
Full time employees 8700 | Website https://www.afginc.com | ||
American Financial Group, Inc., an insurance holding company, provides specialty property and casualty insurance products in the United States. 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. The company was founded in 1872 and is headquartered in Cincinnati, Ohio.
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