Market Price

100.30 

-0.26 -0.3%

as of Aug 20 '19

52 Week Range:

84.18 114.65


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

American Financial Group, Inc., an insurance holding company, provides property and casualty insurance products in the United States. The company operates through three segments: Property and Casualty Insurance, Annuity, and Other. 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; specialty casualty insurance, including primarily excess and surplus, general liability, executive liability, professional 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 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, fixed-indexed, and variable-indexed annuities to the retail, financial institutions, registered investment advisor, 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.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Jun '15 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 33.35
42.50
45.63
51.45
51.05
55.91
54.00
59.37
60.93
57.83
growth rate 27.4% 7.4% 12.8% -0.8% 9.5% -1.7% 9.9% 2.6% -5.1%
Earnings BIT 812.90
689.00
560.00
537.00
689.00
730.00
884.00
968.00
955.00
728.00
growth rate -15.2% -18.7% -4.1% 28.3% 6.0% 10.0% 9.5% -1.3% -23.8%
Avg.PE 5.61
7.45
11.06
7.76
11.17
5.31
17.49
12.98
20.98
16.75
growth rate 32.8% 48.5% -29.8% 43.9% -52.5% 81.5% -25.8% 61.6% -20.2%
ROA 1.92
1.59
1.00
1.30
1.16
1.01
0.72
1.24
0.82
0.85
growth rate -17.2% -37.1% 30.0% -10.8% -12.9% -15.6% 72.2% -33.9% 3.7%
ROE 16.56
11.61
7.61
10.70
10.26
9.54
7.43
13.65
9.27
10.29
growth rate -29.9% -34.5% 40.6% -4.1% -7.0% -11.8% 83.7% -32.1% 11.0%
ROIC -12.91
22.70
15.28
10.85
10.58
21.03
-46.55
growth rate 100.0% -32.7% -29.0% -2.5% 98.8% -100.0%
Cur. Ratio 3.22
4.18
2.60
3.12
3.11
3.26
0.71
growth rate 29.8% -37.8% 20.0% -0.3% 4.8% -78.2%
Quick Ratio 2.97
3.97
2.29
2.79
2.76
2.90
0.63
growth rate 33.7% -42.3% 21.8% -1.1% 5.1% -78.3%
Leverage 7.32
7.26
7.93
8.56
9.15
9.74
10.86
11.20
11.38
12.77
growth rate -0.8% 9.2% 7.9% 6.9% 6.5% 5.6% 3.1% 1.6% 12.2%
Balance Sheet Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Jun '15 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 4,811.00
5,396.00
5,158.00
1,799.00
1,757.00
1,905.00
2,176.00
2,324.00
growth rate 12.2% -4.4% -65.1% -1.2% 8.4% 14.2% 6.8%
Acct.Payable 475.00
475.00
508.00
645.00
591.00
634.00
743.00
3,382.00
growth rate 0.0% 7.0% 27.0% -4.3% 7.3% 17.2% 355.2%
Cur.Assets 8,075.00
7,111.00
8,743.00
10,096.00
8,450.00
growth rate -6.2% 23.0% 15.5% -16.3%
Total Assets 27,683.00
32,454.00
35,838.00
39,171.00
42,087.00
47,535.00
49,837.00
55,072.00
60,658.00
63,456.00
growth rate 17.2% 10.4% 9.3% 7.4% 12.9% 2.4% 10.5% 10.1% 4.6%
Cash 1,120.00
1,099.00
1,324.00
1,705.00
1,639.00
1,343.00
1,220.00
2,107.00
2,338.00
1,515.00
growth rate -1.9% 20.5% 28.8% -3.9% -18.1% -4.7% 72.7% 11.0% -35.2%
Cur.Liabilities 4,059.00
4,239.00
4,952.00
6,088.00
9,248.00
growth rate 2.2% 16.8% 22.9% 51.9%
Liabilities 23,902.00
27,984.00
31,427.00
34,593.00
37,488.00
42,481.00
45,067.00
50,153.00
55,324.00
58,484.00
growth rate 17.1% 12.3% 10.1% 8.4% 13.3% 3.0% 11.3% 10.3% 5.7%
LT Debt 828.00
952.00
1,409.00
1,428.00
1,421.00
1,061.00
998.00
1,305.00
1,332.00
1,999.00
growth rate 15.0% 48.0% 1.4% -0.5% -25.3% -3.0% 30.8% 2.1% 50.1%
Equity 3,781.00
4,470.00
4,411.00
4,578.00
4,599.00
4,879.00
4,592.00
4,916.00
5,330.00
4,970.00
growth rate 18.2% -1.3% 3.8% 0.5% 6.1% -3.0% 7.1% 8.4% -6.8%
Common Shares 116.00
111.00
103.00
96.00
91.00
91.00
89.00
89.00
89.00
90.00
growth rate -4.3% -7.2% -6.8% -5.2% 0.0% -1.1% 0.0% 0.0% 1.1%
Cash Flow Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Jun '15 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 61.00
70.00
83.00
67.00
18.00
growth rate 14.8% 18.6% -19.3% -73.1%
Cash Dividends 60.00
63.00
67.00
90.00
160.00
79.00
88.00
98.00
109.00
127.00
growth rate 5.0% 6.4% 34.3% 77.8% -50.6% 5.5% 11.4% 11.2% 16.5%
Cash From OA 915.00
864.00
667.00
817.00
760.00
1,231.00
1,353.00
1,150.00
1,804.00
2,083.00
growth rate -5.6% -22.8% 22.5% -7.0% 62.0% 4.8% -15.0% 56.9% 15.5%
FCF per Share 7.29
7.15
6.19
8.52
7.87
11.45
16.26
12.67
15.61
23.08
growth rate -1.9% -13.4% 37.6% -7.6% 45.5% 19.2% -22.1% 23.2% 47.9%
Sale Purchase of Stock 52.00
-418.00
-384.00
47.00
61.00
35.00
37.00
growth rate -100.0% 0.0% 100.0% 13.9% -42.6% 5.7%
FCF 851.00
790.00
581.00
817.00
760.00
1,222.00
1,357.00
1,150.00
1,804.00
2,083.00
growth rate -7.2% -26.5% 40.6% -7.0% 60.8% 5.4% -15.3% 56.9% 15.5%
Income Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Jun '15 Dec '15 Dec '16 Dec '17 Dec '18
Sales 4,320.00
4,497.00
4,643.00
4,957.00
5,103.00
5,651.00
6,194.00
6,345.00
6,684.00
6,939.00
growth rate 4.1% 3.3% 6.8% 3.0% 10.7% 4.7% 2.4% 5.3% 3.8%
Op.Income 812.00
694.00
319.00
402.00
453.00
730.00
884.00
968.00
955.00
728.00
growth rate -14.5% -54.0% 26.0% 12.7% 61.2% 10.0% 9.5% -1.3% -23.8%
IBT 812.00
694.00
558.00
537.00
689.00
626.00
565.00
787.00
724.00
639.00
growth rate -14.5% -19.6% -3.8% 28.3% -9.1% -5.0% 39.3% -8.0% -11.7%
Net Income 519.00
482.00
319.00
402.00
453.00
452.00
352.00
649.00
475.00
530.00
growth rate -7.1% -33.8% 26.0% 12.7% -0.2% -11.8% 84.4% -26.8% 11.6%
EPS 4.45
4.36
3.32
5.09
5.16
4.97
3.94
7.33
5.28
5.85
growth rate -2.0% -23.9% 53.3% 1.4% -3.7% -11.0% 86.0% -28.0% 10.8%
Gross Profit 1,342.00
1,222.00
1,194.00
1,300.00
1,353.00
1,004.00
1,204.00
1,316.00
1,302.00
1,072.00
growth rate -8.9% -2.3% 8.9% 4.1% -25.8% 9.5% 9.3% -1.1% -17.7%

Quarterly Statements

Item Name Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Earnings BIT 276.00
259.00
4.00
429.00
276.00
growth rate -6.2% -98.5% 10,625.0% -35.7%
Balance Sheet Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Acct.Receivable 2,314.00
2,932.00
2,324.00
2,294.00
2,397.00
growth rate 26.7% -20.7% -1.3% 4.5%
Acct.Payable 721.00
932.00
3,382.00
730.00
755.00
growth rate 29.3% 262.9% -78.4% 3.4%
Cur.Assets 9,178.00
10,653.00
8,450.00
9,593.00
9,390.00
growth rate 16.1% -20.7% 13.5% -2.1%
Total Assets 61,834.00
64,190.00
63,456.00
66,132.00
67,697.00
growth rate 3.8% -1.1% 4.2% 2.4%
Cash 1,810.00
2,009.00
1,515.00
2,000.00
2,374.00
growth rate 11.0% -24.6% 32.0% 18.7%
Inventory
growth rate
Cur.Liabilities 6,431.00
7,364.00
9,248.00
7,336.00
3,438.00
growth rate 14.5% 25.6% -20.7% -53.1%
Liabilities 56,750.00
59,026.00
58,484.00
60,467.00
61,607.00
growth rate 4.0% -0.9% 3.4% 1.9%
LT Debt 2,202.00
2,214.00
1,999.00
2,199.00
1,423.00
growth rate 0.5% -9.7% 10.0% -35.3%
Equity 5,084.00
5,164.00
4,970.00
5,665.00
6,090.00
growth rate 1.6% -3.8% 14.0% 7.5%
Common Shares 89.00
89.00
89.00
90.00
90.00
growth rate 0.0% 0.0% 1.1% 0.0%
Cash Flow Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Capital Expenditures
growth rate
Cash Dividends 29.00
31.00
36.00
36.00
34.00
growth rate 6.9% 16.1% 0.0% -5.6%
Cash From OA 432.00
454.00
806.00
454.00
423.00
growth rate 5.1% 77.5% -43.7% -6.8%
Sale Purchase of Stock 7.00
growth rate
FCF
growth rate
Income Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Sales 1,779.00
1,956.00
1,633.00
1,969.00
1,901.00
growth rate 10.0% -16.5% 20.6% -3.5%
Op.Income 276.00
259.00
4.00
429.00
276.00
growth rate -6.2% -98.5% 10,625.0% -35.7%
IBT 260.00
244.00
-39.00
413.00
259.00
growth rate -6.2% -100.0% 100.0% -37.3%
Net Income 210.00
204.00
-29.00
329.00
210.00
growth rate -2.9% -100.0% 100.0% -36.2%
EPS
growth rate
Gross Profit 365.00
357.00
76.00
530.00
372.00
growth rate -2.2% -78.7% 597.4% -29.8%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

D (47.76)

YOY Growth Grade:

E (26.06)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 13.13 12.73 11.71
EPS / Growth 14.4% 7.88 15.5%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 1.3%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.3% 10.4% 10.4%
Future PE 2.64 15.23 15.23
Future EPS 8.99 21.24 21.24
Value Price
MOS %
5.86
-94.2%
79.92
-20.3%
79.92
-20.3%
MOS Price 2.93 39.96 39.96
IRT 11.70 7.96 7.96

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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