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Upturn AI SWOT - About
AFGE 
American Financial Group AFGE (AFGE)
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Upturn Advisory Summary
01/28/2025: AFGE (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
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -19.96% | Avg. Invested days 36 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 01/28/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 9.87B USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) 13042 | Beta - | 52 Weeks Range 16.95 - 20.34 | Updated Date 02/27/2025 |
52 Weeks Range 16.95 - 20.34 | Updated Date 02/27/2025 | ||
Dividends yield (FY) 2.06% | Basic EPS (TTM) - |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin - | Operating Margin (TTM) - |
Management Effectiveness
Return on Assets (TTM) - | Return on Equity (TTM) - |
Valuation
Trailing PE - | Forward PE - | Enterprise Value - | Price to Sales(TTM) - |
Enterprise Value - | Price to Sales(TTM) - | ||
Enterprise Value to Revenue - | Enterprise Value to EBITDA - | Shares Outstanding - | Shares Floating - |
Shares Outstanding - | Shares Floating - | ||
Percent Insiders - | Percent Institutions - |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
American Financial Group AFGE
Company Overview
History and Background
American Financial Group (AFG) was founded in 1872 as The Great American Insurance Company. Over time, it expanded into a diversified holding company focused on specialty insurance. Significant milestones include strategic acquisitions and divestitures to optimize its portfolio and focus on profitable niche markets.
Core Business Areas
- Specialty Property and Casualty Insurance: AFG's core business segment, offering a diverse range of specialty P&C insurance products, including commercial property, workers' compensation, and specialty financial coverages.
- Annuities: Provides fixed, fixed-indexed, and variable annuities through its Great American Life Insurance Company subsidiary.
Leadership and Structure
Carl H. Lindner III and S. Craig Lindner serve as Co-Chief Executive Officers. AFG operates with a decentralized structure, empowering its subsidiaries to manage their businesses with entrepreneurial spirit, while maintaining centralized oversight of capital allocation and risk management.
Top Products and Market Share
Key Offerings
- Specialty P&C Insurance: AFG's specialty P&C insurance products cater to niche markets with complex risks. Competitors include Chubb, Travelers, and WR Berkley. Market share varies by specific niche, but AFG is a significant player in several segments.
- Fixed-Indexed Annuities: Fixed-indexed annuities provide principal protection and potential interest credited based on the performance of a market index. Competitors include Athene, Global Atlantic, and Lincoln National. AFG holds a substantial market share in this segment.
Market Dynamics
Industry Overview
The specialty P&C insurance industry is characterized by its focus on niche markets, complex risks, and specialized underwriting expertise. The annuities market is influenced by interest rates, demographic trends, and investor risk appetite.
Positioning
AFG is a well-established and profitable player in the specialty P&C insurance and annuities markets. Its competitive advantages include its underwriting expertise, decentralized operating model, and strong capital position.
Total Addressable Market (TAM)
The total addressable market for specialty P&C insurance and annuities is substantial, estimated in the hundreds of billions of dollars. AFG is well-positioned to capture a share of this TAM through its focus on niche markets and disciplined underwriting.
Upturn SWOT Analysis
Strengths
- Strong capital position
- Disciplined underwriting
- Decentralized operating model
- Experienced management team
- Diversified business mix
Weaknesses
- Exposure to economic cycles
- Reliance on interest rates
- Regulatory risk
- Competitive pressures
- Potential for adverse claims experience
Opportunities
- Expanding into new niche markets
- Acquiring complementary businesses
- Leveraging technology to improve efficiency
- Benefiting from rising interest rates
- Growing demand for retirement income solutions
Threats
- Economic downturn
- Declining interest rates
- Increased competition
- Regulatory changes
- Catastrophic events
Competitors and Market Share
Key Competitors
- CB
- TRV
- WRB
- LNC
- ALL
Competitive Landscape
AFG competes with a mix of large national insurers and smaller specialty players. Its advantages include its underwriting expertise, decentralized operating model, and strong capital position. Disadvantages are scale compared to the larger national insurers.
Major Acquisitions
K&K Insurance Group
- Year: 2020
- Acquisition Price (USD millions): 455
- Strategic Rationale: Expanded AFG's specialty P&C insurance offerings in the sports, leisure, and entertainment sectors.
Growth Trajectory and Initiatives
Historical Growth: AFG has achieved steady growth through a combination of organic expansion and strategic acquisitions.
Future Projections: Analyst estimates project continued growth for AFG, driven by its strong market position and favorable industry trends.
Recent Initiatives: Recent initiatives include investments in technology, expansion into new markets, and strategic acquisitions.
Summary
American Financial Group is a strong specialty insurer with disciplined underwriting and decentralized operations. Its strong capital position supports growth. AFG faces risks tied to economic cycles and interest rate volatility. The focus on niche markets and strategic acquisitions drives future growth; however, it is small compared to the larger national insurance companies.
Similar Companies
ALL
The Allstate Corporation
ALL
The Allstate Corporation
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:
- American Financial Group Investor Relations
- SEC Filings
- Industry Reports
- Analyst Estimates
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market share data is based on available estimates and may not be precise.
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 AFGE
Exchange NYSE | Headquaters - | ||
IPO Launch date 2014-09-24 | CEO - | ||
Sector Financials | Industry Insurance | Full time employees 7600 | Website |
Full time employees 7600 | Website | ||
American Financial Group, Inc., through its subsidiaries, provides property and casualty insurance products in the United States. The company operates through Property and Casualty Insurance, Annuity, Run-Off Long-Term Care and Life, and Other segments. It offers property and transportation insurance products, such as physical damage and liability coverage for buses, trucks and recreational vehicles, inland and ocean marine, agricultural-related products, and other property coverages; specialty casualty insurance, including primarily excess and surplus, general liability, executive liability, professional liability, umbrella and excess liability, and specialty coverage in targeted markets and customized programs for small to mid-sized businesses; and specialty financial insurance products comprising risk management insurance programs for leasing and financing institutions, surety and fidelity products, and trade credit insurance. The company sells its property and casualty insurance products through independent insurance agents and brokers, as well as through employee agents. It also provides traditional fixed and fixed-indexed annuities to the retail, financial institutions, and education markets; and engages in the commercial real estate operations in Cincinnati, Whitefield, New Hampshire, Chesapeake Bay, Charleston, and Palm Beach. American Financial Group, Inc. was founded in 1872 and is headquartered in Cincinnati, Ohio.
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