US · AFG
American Financial Group, Inc.
- Sector
- Financial Services · Insurance - Property & Casualty
- Headquarters
- Cincinnati, OH 45202
- Website
- afginc.com
Price · as of 2025-12-31
$131.64
Market cap 11.09B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $155.99 | +18.5% |
| Intrinsic Value(DCF) | $76.12 | -42.18% |
| Graham-Dodd Method(GD) | — | — |
| Graham Formula(GF) | $70.16 | -46.7% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $15.94 | $34.22 | $16.69 | $50.38 | $39.12 |
| 2012 | $19.54 | $20.85 | $16.29 | $61.62 | $80.26 |
| 2013 | $26.06 | $22.72 | $15.62 | $49.10 | $58.23 |
| 2014 | $29.60 | $22.30 | $12.26 | $50.54 | $103.02 |
| 2015 | $33.59 | $25.66 | $2.87 | $40.16 | $60.43 |
| 2016 | $47.33 | $33.37 | $5.15 | $59.69 | $102.15 |
| 2017 | $60.02 | $51.98 | $2.83 | $14.17 | $72.57 |
| 2018 | $51.84 | $47.16 | $0.00 | $16.89 | $58.67 |
| 2019 | $52.47 | $53.73 | $4.07 | $43.24 | $0.00 |
| 2020 | $69.96 | $47.82 | $2.21 | $59.34 | $10.26 |
| 2021 | $100.02 | $279.78 | $13.71 | $0.00 | $410.36 |
| 2022 | $102.47 | $138.84 | $30.47 | $0.00 | $172.60 |
| 2023 | $114.28 | $110.86 | $99.04 | $0.00 | $218.41 |
| 2024 | $118.89 | $113.75 | $117.56 | $0.00 | $158.77 |
| 2025 | $134.50 | $155.99 | $38.56 | $0.00 | $70.16 |
AI valuation
Our deep-learning model estimates American Financial Group, Inc.'s (AFG) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $155.99
- Current price
- $131.64
- AI upside
- +18.5%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$76.12
-42.18% upside
Graham-Dodd
—
— upside
Graham Formula
$70.16
-46.7% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| AFG | American Financial Group,… | $131.64 | 11.09B | +18% | -42% | — | -47% | 13.39 | 2.34 | 1.38 | -3.55 | — | 2.71 | 46.32% | 13.13% | 10.30% | 18.13% | -30.16% | 2.92% | 0.38 | 13.41 | — | — | -13.32 | -464.00% | -126.00% | 2135.00% | 12.40% | — | -50.08% | 5.38% | 72.00% | 146.92% | -3.81 | -2.93 | -0.50 | 1.42 |
| ACGL | Arch Capital Group Ltd. | $100.15 | 36.32B | +61% | +147% | +23% | +165% | 8.48 | 1.54 | 1.92 | 7.10 | 220.60 | 1.62 | 51.76% | 26.56% | 22.65% | 19.54% | 21.90% | 6.38% | 0.11 | 34.86 | 1.21 | 1.21 | 0.32 | 384.00% | 1474.00% | -746.00% | 16.43% | 0.83 | 30.50% | 0.13% | 1.10% | 5.23% | 7.56 | 6.37 | 2.01 | 1.66 |
| AIZ | Assurant, Inc. | $229.59 | 11.5B | -41% | -34% | -56% | +17% | 13.51 | 2.01 | 0.92 | 2.48 | 66.66 | -1.69 | 77.15% | 8.49% | 6.81% | 15.90% | 260.78% | 2.45% | 0.38 | 9.91 | 0.50 | 0.52 | 0.26 | 2026.00% | 789.00% | 4382.00% | 13.56% | 0.08 | 477.63% | 1.43% | 19.30% | 4.01% | 3.29 | 2.24 | 0.28 | 0.47 |
| AXS | AXIS Capital Holdings Lim… | $105.72 | 8.14B | -20% | -53% | +6% | +104% | 8.29 | 1.32 | 1.27 | 6.69 | — | 1.37 | 49.90% | 18.67% | 15.37% | 16.21% | 27.66% | 3.11% | 0.25 | 18.39 | — | — | 0.22 | 0.00% | 905.00% | -10222.00% | -0.49% | — | -1.12% | 2.07% | 17.10% | 12.69% | 7.05 | -211.12 | 1.32 | 1.41 |
| CNA | CNA Financial Corporation | $48.02 | 13B | -25% | -32% | -83% | +29% | 10.52 | 1.16 | 0.91 | 7.49 | 31.64 | 1.28 | 30.73% | 11.01% | 8.69% | 11.55% | 12.16% | 1.88% | 0.26 | 12.00 | — | — | 1.40 | 3324.00% | 510.00% | -291.00% | 17.89% | — | 22.87% | 7.79% | 81.90% | 8.04% | 8.44 | 5.69 | 0.93 | 0.68 |
| FHN | First Horizon Corporation | $23.79 | 11.71B | +134% | +2% | -36% | -24% | 12.07 | 1.34 | 2.38 | 8.84 | 31.56 | 1.64 | 67.32% | 25.70% | 19.72% | 11.13% | 15.06% | 1.18% | 0.52 | 0.82 | 0.96 | 0.95 | 2.70 | 3824.00% | 97.00% | -4869.00% | 5.29% | 0.01 | 9.46% | 2.65% | 31.90% | 10.39% | 9.22 | 18.81 | 2.37 | 0.25 |
| GL | Globe Life Inc. | $145.26 | 11.56B | -4% | -15% | -4% | +16% | 10.19 | 1.98 | 1.97 | 8.79 | 57.38 | 2.16 | 33.40% | 24.38% | 19.36% | 20.59% | -193.46% | 3.88% | 0.44 | 10.36 | 4.03 | 4.03 | 1.56 | 1776.00% | 382.00% | -582.00% | 10.60% | 4.58 | -205.63% | 0.00% | 0.00% | 0.79% | 9.57 | 11.16 | 2.33 | 1.06 |
| JEF | Jefferies Financial Group… | $44.40 | 9.18B | +27% | -36% | -30% | -18% | 18.47 | 1.19 | 1.16 | 20.98 | — | 1.48 | 59.67% | 6.34% | 6.56% | 6.58% | 2.80% | 0.97% | 2.25 | 0.20 | 2.43 | 1.36 | 9.14 | -535.00% | 293.00% | 27121.00% | -13.55% | -0.08 | -8.83% | 2.97% | 54.90% | 3.44% | 32.50 | -13.07 | 2.06 | 0.85 |
| KNSL | Kinsale Capital Group, In… | $389.67 | 9.07B | -22% | +195% | -53% | +42% | 18.20 | 4.68 | 4.89 | 14.17 | 83.63 | 4.69 | 52.47% | 33.85% | 26.87% | 29.25% | 57.06% | 9.54% | 0.11 | 59.58 | 0.35 | 0.36 | 0.09 | 2177.00% | 1804.00% | 396.00% | 10.80% | 1.28 | 112.18% | 0.17% | 3.10% | 1.26% | 14.54 | 9.32 | 4.92 | 2.50 |
| ORI | Old Republic Internationa… | $42.87 | 10.61B | -36% | -18% | -35% | +62% | 11.21 | 1.78 | 1.16 | 9.57 | 74.11 | 1.78 | 50.35% | 13.02% | 10.30% | 16.25% | 16.51% | 3.24% | 0.27 | 16.88 | — | — | 1.07 | 1512.00% | 1041.00% | -10011.00% | -0.01% | — | -0.02% | 2.38% | 26.70% | 4.13% | 10.00 | -8448.89 | 1.30 | 1.08 |
| RNR | RenaissanceRe Holdings Lt… | $302.46 | 13.17B | +18% | +2,428% | +72% | +238% | 3.81 | 1.19 | 1.08 | -4.07 | 6.26 | 1.46 | 40.66% | 31.49% | 21.04% | 32.62% | -56.67% | 6.92% | 0.20 | 33.21 | 5.03 | 4.92 | 0.14 | 6081.00% | 945.00% | -1133.00% | 26.81% | 0.41 | -57.85% | 0.80% | 3.00% | 12.41% | -4.20 | -4.56 | -1.32 | 1.82 |
About American Financial Group, Inc.
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.
- CEO
- Stephen Craig Lindner
- Employees
- 8.7K
- Beta
- 0.69
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($76.12 ÷ $131.64) − 1 = -42.18% (DCF, example).