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AMERICAN FINANCIAL GROUP INC

AFG

$145.65 ▼ -0.99 (-0.68%) at close

19 Visible periods

34 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

AMERICAN FINANCIAL GROUP INC shows strong fundamentals with top-quartile Return on Common Equity (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $12.2B

Dividend Yield 5.00%

Revenue Growth -1.8% ↘

Op. Margin 13.1% ↘

ROIC None

FCF / Share None

Trailing P/E 14.5x

Price / Book 2.5x

FCF Yield —

Debt / Equity 0.38

info Valuation on last close. End-of-day price, Aug 7, 2026.

19-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$8.17B

↓ -1.8% —

Net Income Profit after all expenses

$842.00M

↓ -5.1% —

Operating Margin Operating profit as % of sales

13.1%

↓ -2.8% 63th

Long-Term Debt Long-term obligations

$1.82B

↑ +23.4% —

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Bullish Indicators

Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Financial Health →

Dividend History

Dividend / share · sourced from SEC filings

$7.28 Latest / share

-22.8% YoY

+12.9% 12-yr CAGR

$1.91

FY 2014

$2.03

FY 2015

$2.15

FY 2016

$4.79

FY 2017

$4.45

FY 2018

$4.95

FY 2019

$3.85

FY 2020

$28.06

FY 2021

$14.31

FY 2022

$8.10

FY 2023

$9.43

FY 2024

$7.28

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Revenue Growth YoY (%)	-1.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-130%)	6.3% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+6%)	11.2% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+86%)	7.4% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+24%)	13.6% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+126%)	-30.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-599%)	15.2% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+153%)	4.2% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-31%)	5.6% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-6%)	5.7% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	7.2% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+20%)	12.6% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+110%)	2.7% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-55%)	4.4% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-27%)	5.6% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-6%)	4.1% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-32%)	0.6% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-90%)	—	—
EPS Growth YoY (%)	-4.6% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	5.1% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	-4.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-55.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	184.1% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-17.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	67.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	10.2% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	-27.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	85.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-20.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-3.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	1.7% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	53.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-23.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-2.4% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	162.6% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	-5.1% Weak ↑ Weak Improving Year-over-year change in net income	4.1% Caution ↓ Caution Declining Year-over-year change in net income	-5.1% Weak ↓ Weak Declining Year-over-year change in net income	-55.0% Weak ↓ Weak Declining Year-over-year change in net income	172.5% Excellent ↑ Excellent Improving Year-over-year change in net income	-18.4% Weak ↓ Weak Declining Year-over-year change in net income	69.2% Excellent ↑ Excellent Improving Year-over-year change in net income	11.6% Fair → Fair Stable Year-over-year change in net income	-26.8% Weak ↓ Weak Declining Year-over-year change in net income	84.4% Excellent ↑ Excellent Improving Year-over-year change in net income	-22.1% Weak ↓ Weak Declining Year-over-year change in net income	-4.0% Weak ↓ Weak Declining Year-over-year change in net income	-3.5% Weak ↓ Weak Declining Year-over-year change in net income	42.7% Excellent → Excellent Stable Year-over-year change in net income	-28.6% Weak ↓ Weak Declining Year-over-year change in net income	-7.7% Weak Weak Year-over-year change in net income	164.8% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	5.1% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	8.3% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	10.7% Good ↑ Good Improving Compound annual revenue growth over 3 years	-5.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-2.9% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-5.6% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	8.2% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	5.2% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	6.2% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	8.5% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	7.4% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	6.5% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	4.2% Caution → Caution Stable Compound annual revenue growth over 3 years	4.7% Caution Caution Compound annual revenue growth over 3 years	3.4% Caution Caution Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	7.2% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	0.2% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	1.8% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	0.5% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	0.2% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-1.3% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	7.5% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	7.0% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	6.7% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	6.5% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	6.4% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	5.8% Fair Fair Compound annual revenue growth over 5 years	3.5% Caution Caution Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-1.5% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-23.3% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	6.8% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	1.9% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	57.9% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	15.2% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	10.1% Good ↑ Good Improving Compound annual EPS growth over 3 years	14.0% Good ↑ Good Improving Compound annual EPS growth over 3 years	2.1% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	12.3% Good ↑ Good Improving Compound annual EPS growth over 3 years	-8.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	14.6% Good ↑ Good Improving Compound annual EPS growth over 3 years	6.4% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	4.9% Caution Caution Compound annual EPS growth over 3 years	25.4% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Operating Margin (%) (%)	13.1% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-47%)	13.5% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-46%)	13.7% Fair → Fair Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-45%)	16.0% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-36%)	20.4% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-18%)	5.9% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-76%)	13.5% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-46%)	8.9% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-64%)	10.5% Caution → Caution Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-58%)	12.1% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-52%)	9.2% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-63%)	10.9% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-56%)	13.5% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-46%)	10.8% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-57%)	11.7% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-53%)	15.3% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-39%)	18.8% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-25%)	7.4% Caution Caution Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-71%)	—
Profit Margin (%) (%)	10.3% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-53%)	10.7% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-52%)	10.9% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-51%)	12.8% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-42%)	30.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+38%)	12.7% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-42%)	10.9% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-51%)	7.4% Caution → Caution Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-66%)	6.9% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-69%)	10.0% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-55%)	5.7% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-74%)	7.9% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-64%)	9.2% Caution → Caution Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-58%)	9.8% Caution → Caution Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-55%)	7.2% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-67%)	10.7% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-52%)	12.0% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-45%)	4.6% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-79%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	3.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	3.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	3.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	3.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	4.6% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.4% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.6% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	2.9% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	17.5% Good ↓ Good Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+46%)	19.9% Good ↓ Good Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+66%)	20.0% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+67%)	22.2% Excellent → Excellent Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+85%)	39.8% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+232%)	10.8% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-10%)	14.3% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+19%)	10.7% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-11%)	8.9% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-26%)	13.2% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+10%)	7.7% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-36%)	9.3% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-23%)	10.2% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-15%)	10.7% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-11%)	7.8% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-35%)	10.7% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-11%)	13.7% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+14%)	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Debt to Equity (x)	0.38x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-69%)	0.33x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-72%)	0.35x Good → Good Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-71%)	0.37x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-69%)	0.39x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-67%)	0.29x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-76%)	0.23x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-80%)	0.26x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-78%)	0.24x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-80%)	0.26x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-78%)	0.22x Excellent → Excellent Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-82%)	0.22x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-82%)	0.20x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-83%)	0.21x Excellent → Excellent Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-83%)	0.21x Excellent → Excellent Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-82%)	0.21x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-82%)	0.22x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-82%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Revenue per Share (USD)	$97.89	$99.21	$92.41	$82.73	$76.99	$65.04	$91.62	$80.34	$78.19	$74.78	$70.15	$64.42	$57.02	$52.62	$46.89	$41.18	$37.34	$37.53	—
Basic EPS, GAAP (USD)	$10.08	$10.57	$10.06	$10.55	$23.44	$8.25	$9.98	$5.95	$5.40	$7.47	$4.02	$5.07	$5.27	$5.18	$3.37	$4.38	$4.49	$1.71	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$7.28	$9.43	$8.10	$14.31	$28.06	$3.85	$4.95	$4.45	$4.79	$2.15	$2.03	$1.91	$1.80	$0.97	$0.66	$0.57	$0.52	$0.50	—
Book Value per Share (USD)	$57.78	$53.18	$50.91	$47.56	$59.02	$78.63	$69.42	$55.66	$60.38	$56.55	$52.50	$55.63	$51.38	$51.45	$45.08	$42.50	$33.35	—	—
Tangible Book Value per Share (USD)	$53.86	$49.55	$47.26	$44.67	$56.12	$76.59	$67.13	$53.34	$58.12	$54.27	$50.22	$53.34	$49.31	$49.37	$43.18	$40.73	$31.51	—	—
Basic Weighted Avg Shares (shares)	83.50M	83.90M	84.70M	85.10M	85.10M	88.70M	89.90M	89.00M	87.80M	86.90M	87.60M	89.00M	89.30M	94.20M	101.30M	109.20M	115.70M	114.40M	—
Dividend Payout Ratio (%)	72.2% Caution ↓ Caution Declining Dividends paid as a percentage of earnings Optimal: 30-60%	89.2% Caution ↓ Caution Declining Dividends paid as a percentage of earnings Optimal: 30-60%	80.5% Caution ↓ Caution Declining Dividends paid as a percentage of earnings Optimal: 30-60%	135.6% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	119.7% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	46.7% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	49.6% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	74.8% Caution ↑ Caution Improving Dividends paid as a percentage of earnings Optimal: 30-60%	88.7% Caution ↑ Caution Improving Dividends paid as a percentage of earnings Optimal: 30-60%	28.8% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	50.5% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	37.7% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	34.3% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	18.7% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	19.7% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	13.1% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	11.6% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	29.2% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$1.82B	$1.48B	$1.48B	$1.50B	$1.96B	$1.96B	$1.47B	$1.30B	$1.30B	$1.28B	$998.00M	$1.06B	$913.00M	$953.00M	$934.00M	$952.00M	$828.00M	—	—
Total Equity (USD)	$4.82B	$4.47B	$4.26B	$4.05B	$5.01B	$6.79B	$6.27B	$4.97B	$5.33B	$4.92B	$4.59B	$4.88B	$4.60B	$4.58B	$4.41B	$4.47B	$3.78B	—	—

📋 What is driving earnings? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Sales/Revenue/Turnover (USD)	$8.17B	$8.32B	$7.83B	$7.04B	$6.55B	$5.77B	$8.24B	$7.15B	$6.87B	$6.50B	$6.14B	$5.73B	$5.09B	$4.96B	$4.75B	$4.50B	$4.32B	$4.29B	—
Net Income, GAAP (USD)	$842.00M	$887.00M	$852.00M	$898.00M	$2.00B	$732.00M	$897.00M	$530.00M	$475.00M	$649.00M	$352.00M	$452.00M	$471.00M	$488.00M	$342.00M	$479.00M	$519.00M	$196.00M	—
Operating Cash Flow (USD)	$1.53B	$1.15B	$1.97B	$1.15B	$1.71B	$2.18B	$2.46B	$2.08B	$1.80B	$1.15B	$1.35B	$1.22B	$760.00M	$817.00M	$667.00M	$864.00M	$915.00M	$973.00M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Premiums Earned (USD)	$7.05B	$7.04B	$6.53B	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Loss Ratio (%) (%)	62.3%	63.4%	61.8%	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 19 years · 71 quarters

AMERICAN FINANCIAL GROUP INC

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