AFGC
Financial ServicesAmerican Financial Group, Inc. · Insurance - Property & Casualty · $2B
What is American Financial Group, Inc.?
American Financial Group is a Cincinnati-based insurance holding company with deep roots in commercial property and casualty coverage and annuity products. The firm serves businesses and individual retirement savers across multiple distribution channels.
American Financial Group generates revenue through two primary segments: property and casualty insurance aimed at commercial clients, and fixed and fixed-indexed annuities sold through retail, financial institution, and education channels. On the insurance side, the company underwrites risks across transportation, specialty casualty, and specialty financial lines. The annuity business provides tax-deferred savings products to individuals seeking predictable retirement income.
Founded by Carl Henry Lindner Jr. in 1959, American Financial Group is headquartered in Cincinnati, Ohio.
- Commercial property and transportation insurance
- Specialty casualty coverage for businesses
- Specialty financial insurance products
- Fixed and fixed-indexed annuities
Is AFGC a Good Stock to Buy?
UQS Score rates AFGC as Good overall, reflecting a balanced profile with some meaningful trade-offs across its five pillars.
The Quality pillar lands at Good, suggesting the underlying business generates reasonably dependable earnings relative to its size. Valuation is rated Attractive, meaning the stock does not appear richly priced compared to its fundamentals — a potentially useful entry point for patient investors.
Both the Moat and Growth pillars are rated Weak, indicating limited competitive differentiation and subdued near-term expansion prospects relative to sector peers.
See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro membership. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does AFGC pay dividends?
Yes — American Financial Group, Inc. pays a dividend.
American Financial Group pays a regular dividend, consistent with the income-oriented nature of insurance holding companies. Insurers with stable underwriting cash flows often return capital to shareholders through dividends. Investors seeking income alongside capital preservation may find AFGC's dividend cadence relevant to their screening criteria.
When does AFGC report earnings?
American Financial Group reports earnings on a quarterly cadence, typical for US-listed equities.
The company's results reflect the interplay between underwriting performance in its commercial insurance lines and spread income from its annuity portfolio. Macro factors such as interest rate levels and catastrophe loss activity can meaningfully influence quarter-to-quarter outcomes.
For the most recent quarter's results, visit American Financial Group's investor relations page directly.
AFGC Price History
-7.6% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in American Financial Group, Inc.?
Based on American Financial Group, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
AFGC Long-term Outlook
With Growth and Moat both rated Weak, the near-term fundamental outlook for AFGC is measured rather than expansionary. The Neutral Risk rating suggests the business is not facing acute financial stress, but the path to accelerating earnings is not clearly defined by current pillar signals. The Attractive Valuation label, however, indicates the market may already be pricing in subdued growth expectations.
Growth drivers
- Sustained demand for specialty commercial insurance in niche markets
- Interest rate environment supporting annuity spread income
- Potential for disciplined underwriting gains in specialty casualty lines
Key risks
- Weak Moat rating signals limited pricing power versus larger insurance peers
- Catastrophe losses or reserve development could pressure underwriting results
- Slow growth trajectory may limit long-term capital appreciation potential
AFGC vs Peers
AFGC operates alongside other fixed-income and specialty insurance securities in a competitive landscape that includes related American Financial Group capital instruments and specialty insurance peers.
A related capital security from the same parent issuer, differing in structure and investor profile rather than underlying business operations.
Another affiliated instrument under the American Financial Group umbrella, appealing to investors focused on fixed-income characteristics within the same corporate family.
A fixed-rate security from Kemper Corporation, a diversified insurer, offering an alternative income-oriented exposure within the specialty insurance space.
Frequently Asked Questions
What does American Financial Group do?
American Financial Group is an insurance holding company focused on two core areas: commercial property and casualty insurance — covering transportation, specialty casualty, and specialty financial risks — and fixed and fixed-indexed annuities distributed through retail, financial institution, and education channels.
Does AFGC pay dividends?
Yes, American Financial Group pays a regular dividend. Insurance holding companies with stable underwriting cash flows commonly return capital to shareholders this way. Investors should verify the current dividend rate and payment schedule on the company's investor relations page.
When does AFGC report earnings?
American Financial Group reports on a quarterly cadence, as is standard for US-listed companies. For exact reporting dates and recent results, check the investor relations section of the company's official website.
Is AFGC a good stock to buy?
UQS Score rates AFGC as Good overall. The Valuation pillar is Attractive and Quality is Good, but Moat and Growth are both Weak. Whether that profile fits your investment goals depends on your priorities — Pro members can view the complete pillar breakdown to make a more informed assessment.
Is AFGC overvalued?
Based on the UQS Valuation pillar, AFGC is rated Attractive, suggesting the stock is not trading at a premium relative to its fundamentals. This does not guarantee price appreciation, but it does indicate the market appears to be pricing in modest expectations.
How does AFGC compare to its competitors?
AFGC's closest listed peers include related American Financial Group capital securities (AFGD, AFGB) and Kemper Corporation's fixed-rate instrument (KMPB). Each differs in structure and risk profile. UQS Pro members can view side-by-side quality comparisons across these instruments.
What is AFGC's market cap bracket?
AFGC is classified as a small-cap security. This places it below large and mega-cap insurers in terms of market size, which can mean less analyst coverage and potentially wider bid-ask spreads for investors.
Who founded American Financial Group?
American Financial Group was founded by Carl Henry Lindner Jr. in 1959. Lindner built the company into a diversified insurance and financial services enterprise headquartered in Cincinnati, Ohio.
Is AFGC a long-term quality investment?
As a long-term quality indicator, AFGC's Good overall UQS Score reflects a business with reasonable earnings quality and an attractive valuation entry point, tempered by Weak Moat and Growth ratings. Long-term investors should weigh whether the company can strengthen its competitive positioning over time.
What sector does AFGC belong to?
AFGC operates in the Financial Services sector, specifically within insurance. It focuses on specialty commercial property and casualty lines alongside a retail annuity business, making it distinct from pure-play life insurers or diversified financial conglomerates.
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Pro Analysis
AFGC — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 23, 2026 | 53.3 | 67.8 | 37.0 | 21.5 | 58.3 | 93.9 | 0.0 |
| May 21, 2026 | 53.3 | 67.8 | 37.0 | 21.5 | 58.3 | 93.6 | -0.1 |
| May 19, 2026 | 53.4 | 67.8 | 37.0 | 21.5 | 58.3 | 94.3 | 0.0 |
| May 17, 2026 | 53.4 | 67.8 | 37.0 | 21.5 | 58.3 | 94.1 | 0.0 |
| May 16, 2026 | 53.4 | 67.8 | 37.0 | 21.5 | 58.3 | 94.5 | 0.0 |
| May 14, 2026 | 53.4 | 67.8 | 37.0 | 21.5 | 58.3 | 94.3 | 0.0 |
| May 12, 2026 | 53.4 | 67.8 | 37.0 | 21.5 | 58.3 | 94.1 | 0.0 |
| May 11, 2026 | 53.4 | 67.8 | 37.0 | 21.5 | 58.3 | 94.2 | +0.4 |
| May 10, 2026 | 53.0 | 67.8 | 37.0 | 21.5 | 58.3 | 91.8 | -0.3 |
| May 9, 2026 | 53.3 | 67.8 | 37.0 | 21.5 | 58.3 | 93.9 | -0.1 |
AFGC — Pillar Breakdown
Quality
— 67.8/100 (25%)American Financial Group, Inc. shows solid profitability with healthy returns on capital and reasonable margins.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 21.5/100 (20%)American Financial Group, Inc. faces growth headwinds with declining or stagnant revenue trends.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 58.3/100 (15%)American Financial Group, Inc. maintains a reasonable risk profile with manageable debt levels.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 95.3/100 (15%)American Financial Group, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 37/100 (25%)American Financial Group, Inc. possesses some competitive advantages but faces meaningful competition. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for AFGC.
Score Composition
Financial Data
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How is the AFGC UQS Score Calculated?
The UQS (Unified Quality Score) for American Financial Group, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses American Financial Group, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether American Financial Group, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.