TL;DR: Financial Overview - Revenue, Profits & Key Metrics

Latest Quarterly: Mar 2025

Income Metrics

Revenue 1.8B
Net Income 154.0M 8.36%
EPS (Diluted) $1.84

Balance Sheet Metrics

Total Assets 30.3B
Total Liabilities 25.9B
Shareholders Equity 4.4B
Debt to Equity 5.90

Cash Flow Metrics

Operating Cash Flow 405.0M
Free Cash Flow 342.0M

Revenue & Profitability Trend

American Financial Income Statement From 2020 to 2024

Metric20242023202220212020
Revenue i8.3B7.7B6.8B6.2B5.7B
Cost of Goods Sold i-----
Gross Profit i-----
Gross Margin % i0.0%0.0%0.0%0.0%0.0%
Operating Expenses
Research & Development i-----
Selling, General & Administrative i-----
Other Operating Expenses i319.0M305.0M255.0M264.0M279.0M
Total Operating Expenses i319.0M305.0M255.0M264.0M279.0M
Operating Income i-----
Operating Margin % i0.0%0.0%0.0%0.0%0.0%
Non-Operating Items
Interest Income i-----
Interest Expense i76.0M76.0M85.0M94.0M88.0M
Other Non-Operating Income124.0M146.0M117.0M113.0M80.0M
Pre-tax Income i1.1B1.1B1.1B1.3B339.0M
Income Tax i237.0M221.0M225.0M254.0M25.0M
Effective Tax Rate % i21.1%20.6%20.0%19.0%7.4%
Net Income i887.0M852.0M898.0M2.0B721.0M
Net Margin % i10.7%11.0%13.3%32.0%12.7%
Key Metrics
EBITDA i-----
EPS (Basic) i$10.57$10.06$10.54$23.49$8.48
EPS (Diluted) i$10.57$10.05$10.53$23.30$8.20
Basic Shares Outstanding i8390000084700000852040068492096586345246
Diluted Shares Outstanding i8390000084700000852040068492096586345246

Income Statement Trend

American Financial Balance Sheet From 2020 to 2024

Metric20242023202220212020
Assets
Current Assets
Cash & Equivalents i1.4B1.2B872.0M2.1B1.7B
Short-term Investments i540.0M521.0M10.1B10.4B9.1B
Accounts Receivable i6.7B5.9B5.3B4.8B4.5B
Inventory i-----
Other Current Assets-----
Total Current Assets i-----
Non-Current Assets
Property, Plant & Equipment i-----
Goodwill i610.0M610.0M492.0M492.0M352.0M
Intangible Assets i-----
Long-term Investments-----
Other Non-Current Assets-----
Total Non-Current Assets i-----
Total Assets i30.8B----
Liabilities
Current Liabilities
Accounts Payable i1.2B1.2B1.0B4.3B3.9B
Short-term Debt i-----
Current Portion of Long-term Debt-----
Other Current Liabilities-----
Total Current Liabilities i-----
Non-Current Liabilities
Long-term Debt i1.5B1.5B1.5B2.0B2.0B
Deferred Tax Liabilities i-----
Other Non-Current Liabilities-----
Total Non-Current Liabilities i-----
Total Liabilities i26.4B----
Equity
Common Stock i84.0M84.0M85.0M85.0M86.0M
Retained Earnings i3.2B3.1B3.1B3.5B4.1B
Treasury Stock i-----
Other Equity-----
Total Shareholders Equity i4.5B4.3B4.1B5.0B6.8B
Key Metrics
Total Debt i1.5B1.5B1.5B2.0B2.0B
Working Capital i00000

Balance Sheet Composition

American Financial Cash Flow Statement From 2020 to 2024

Metric20242023202220212020
Operating Activities
Net Income i887.0M852.0M898.0M2.0B721.0M
Depreciation & Amortization i-----
Stock-Based Compensation i-----
Working Capital Changes i-987.0M-285.0M-919.0M-107.0M-428.0M
Operating Cash Flow i-154.0M536.0M-162.0M1.8B1.5B
Investing Activities
Capital Expenditures i-----
Acquisitions i-9.0M554.0M-190.0M1.4B-706.0M
Investment Purchases i-4.4B-2.3B-4.8B-8.6B-11.6B
Investment Sales i4.8B2.2B4.1B6.9B11.1B
Investing Cash Flow i348.0M449.0M-841.0M-286.0M-1.2B
Financing Activities
Share Repurchases i0-213.0M-11.0M-319.0M-313.0M
Dividends Paid i-788.0M-684.0M-1.2B-2.4B-334.0M
Debt Issuance i--00634.0M
Debt Repayment i0-21.0M-477.0M0-150.0M
Financing Cash Flow i-1.1B-2.0B-1.4B-2.0B-123.0M
Free Cash Flow i1.2B2.0B1.2B1.7B2.2B
Net Change in Cash i-872.0M-1.0B-2.4B-399.0M195.0M

Cash Flow Trend

American Financial Key Financial Ratios

Valuation Ratios

P/E Ratio (TTM) 14.78
Forward P/E 11.42
Price to Book 2.49
Price to Sales 1.40
PEG Ratio -0.87

Profitability Ratios

Profit Margin 9.51%
Operating Margin 13.31%
Return on Equity 17.17%
Return on Assets 2.25%

Financial Health

Current Ratio 1.96
Debt to Equity 37.84
Beta 0.74

Per Share Data

EPS (TTM) $9.11
Book Value per Share $54.16
Revenue per Share $95.86

Peer Financial Comparison

CompanyMarket CapP/E RatioP/B RatioROEProfit MarginDebt/Equity
afg11.2B14.782.4917.17%9.51%37.84
Progressive 143.1B13.764.3937.29%12.66%21.15
Chubb 110.7B12.251.6013.63%16.00%28.98
Travelers Companies 62.2B12.232.1119.29%10.97%27.22
Allstate 54.2B9.672.4627.01%8.79%33.71
Hartford Financial 37.7B12.162.2019.55%11.83%24.95

Financial data is updated regularly. All figures are in the company's reporting currency.