AFGAMERICAN FINANCIAL GROUP INC
Fire, Marine & Casualty Insurance
- Revenue
- $8.2B
- 1.8% YoY
- Operating margin
- 13.1%
- 2.8% YoY
- EBITDA
- $1.1B
- 4.5% YoY
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- 0.4×
- $383M net debt
- AI in 10-K
- —
Red flags 0 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear182% of net incomeCash flow under 80% of net income
- Dilutive SBCClear0% of revenueOver 10% of revenue
- Payouts exceed cash flowClear46% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear1% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $6.6B | $7.0B | $7.8B | $8.3B | $8.2B | 1.8% |
| Operating income | $1.3B | $1.1B | $1.1B | $1.1B | $1.1B | 4.5% |
| Net income | $2.0B | $898M | $852M | $887M | $842M | 5.1% |
| Operating cash flow | $1.7B | $1.2B | $2.0B | $1.2B | $1.5B | 33% |
| Stock-based comp | $16M | $19M | $18M | $18M | $18M | 0.0% |
| Buybacks | $319M | $11M | $213M | $0 | $99M | |
| Dividends | $2.4B | $1.2B | $684M | $788M | $606M | 23% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $0 · 0
- Open-market sells, 12 mo
- $184K · 1
- Net
- −$184K
Pay vs performance
No pay-versus-performance disclosure yet.