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STOCKS

American Financial Group (AFG)

NYSE:AFG

AFG

American Financial Group

RESEARCH TOOLSreports

American Financial Group (AFG) Ratios

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425 Followers

American Financial Group Ratios

AFG's free cash flow for Q4 2025 was $0.49. For the 2025 fiscal year, AFG's free cash flow was decreased by $ and operating cash flow was $0.19. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.14	1.25	1.13	0.00	14.13
Quick Ratio	0.14	1.25	1.13	0.00	14.13
Cash Ratio	0.07	0.64	0.54	0.00	0.84
Solvency Ratio	0.03	0.04	0.05	0.04	0.04
Operating Cash Flow Ratio	0.06	0.57	0.44	0.00	1.11
Short-Term Operating Cash Flow Coverage	39.31	39.31	28.80	0.00	32.03
Net Current Asset Value	$ -24.45B	$ -21.00B	$ -17.60B	$ -25.53B	$ -10.15B
Leverage Ratios
Debt-to-Assets Ratio	0.06	0.08	0.08	0.05	0.06
Debt-to-Equity Ratio	0.42	0.42	0.43	0.35	0.40
Debt-to-Capital Ratio	0.30	0.30	0.30	0.26	0.28
Long-Term Debt-to-Capital Ratio	0.27	0.27	0.27	0.26	0.27
Financial Leverage Ratio	6.77	5.50	5.60	7.00	7.12
Debt Service Coverage Ratio	8.47	8.47	9.00	13.24	8.95
Interest Coverage Ratio	13.41	13.41	14.79	14.12	13.21
Debt to Market Cap	0.18	0.16	0.15	0.15	0.13
Interest Debt Per Share	25.25	25.25	23.54	18.31	19.94
Net Debt to EBITDA	0.25	0.25	0.38	0.20	0.57
Profitability Margins
Gross Profit Margin	24.20%	46.32%	17.79%	17.53%	17.66%
EBIT Margin	14.16%	14.11%	14.50%	14.87%	17.84%
EBITDA Margin	15.22%	15.16%	15.47%	15.88%	19.31%
Operating Profit Margin	13.18%	13.13%	13.58%	13.88%	16.58%
Pretax Profit Margin	13.18%	13.13%	13.58%	13.88%	16.58%
Net Profit Margin	10.34%	10.30%	10.72%	11.02%	13.26%
Continuous Operations Profit Margin	10.34%	10.30%	10.72%	11.02%	13.26%
Net Income Per EBT	78.47%	78.47%	78.91%	79.40%	79.96%
EBT Per EBIT	100.00%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	2.58%	3.18%	3.55%	2.86%	3.11%
Return on Equity (ROE)	18.25%	17.47%	19.86%	20.01%	22.16%
Return on Capital Employed (ROCE)	12.32%	4.50%	5.02%	3.60%	4.04%
Return on Invested Capital (ROIC)	414.78%	3.53%	3.95%	0.00%	3.36%
Return on Tangible Assets	2.62%	3.24%	3.62%	2.89%	3.15%
Earnings Yield	7.89%	7.35%	7.72%	8.46%	7.69%
Efficiency Ratios
Receivables Turnover	4.96	4.98	5.40	1.09	1.09
Payables Turnover	5.16	3.67	0.00	5.37	5.39
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	41.11	41.28	39.05	0.00	65.76
Asset Turnover	0.25	0.31	0.33	0.26	0.23
Working Capital Turnover Ratio	-0.83	16.20	33.38	1.14	0.44
Cash Conversion Cycle	2.89	-26.12	67.55	268.31	266.49
Days of Sales Outstanding	73.58	73.28	67.55	336.24	334.23
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	70.69	99.40	0.00	67.93	67.74
Operating Cycle	73.58	73.28	67.55	336.24	334.23
Cash Flow Ratios
Operating Cash Flow Per Share	18.29	18.29	13.73	23.26	13.55
Free Cash Flow Per Share	17.37	16.68	13.73	22.41	12.54
CapEx Per Share	0.92	1.61	0.00	0.85	1.01
Free Cash Flow to Operating Cash Flow	0.95	0.91	1.00	0.96	0.93
Dividend Paid and CapEx Coverage Ratio	2.24	2.07	1.46	2.61	0.89
Capital Expenditure Coverage Ratio	19.91	11.36	0.00	27.36	13.41
Operating Cash Flow Coverage Ratio	0.75	0.75	0.61	1.34	0.72
Operating Cash Flow to Sales Ratio	0.19	0.19	0.14	0.25	0.17
Free Cash Flow Yield	13.73%	12.21%	10.03%	18.85%	9.13%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	12.64	13.60	12.95	11.82	13.01
Price-to-Sales (P/S) Ratio	1.30	1.40	1.39	1.30	1.72
Price-to-Book (P/B) Ratio	2.21	2.38	2.57	2.36	2.88
Price-to-Free Cash Flow (P/FCF) Ratio	7.27	8.19	9.97	5.31	10.95
Price-to-Operating Cash Flow Ratio	6.94	7.47	9.97	5.11	10.13
Price-to-Earnings Growth (PEG) Ratio	2.27	-2.77	2.55	-2.54	-0.24
Price-to-Fair Value	2.21	2.38	2.57	2.36	2.88
Enterprise Value Multiple	8.79	9.49	9.35	8.41	9.50
Enterprise Value	10.91B	11.76B	11.98B	10.32B	12.42B
EV to EBITDA	8.81	9.49	9.35	8.41	9.50
EV to Sales	1.34	1.44	1.45	1.34	1.83
EV to Free Cash Flow	7.49	8.41	10.40	5.44	11.64
EV to Operating Cash Flow	7.12	7.67	10.40	5.24	10.77
Tangible Book Value Per Share	51.36	19.31	47.18	46.67	43.45
Shareholders’ Equity Per Share	57.52	57.52	53.23	50.27	47.61
Tax and Other Ratios
Effective Tax Rate	0.22	0.22	0.21	0.21	0.20
Revenue Per Share	97.14	97.54	98.67	91.24	79.59
Net Income Per Share	10.05	10.05	10.57	10.06	10.55
Tax Burden	0.78	0.78	0.79	0.79	0.80
Interest Burden	0.93	0.93	0.94	0.93	0.93
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.00	0.00	0.00	0.00	0.00
Stock-Based Compensation to Revenue	>-0.01	0.00	0.00	0.00	<0.01
Income Quality	1.82	1.82	1.30	2.31	1.28

Currency in USD