American Overseas Group Limited (AOREF)
OTHER OTC:AOREF
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American Overseas Group
(OTC:AOREF)
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Rating:66Neutral
Price Target:
$1,326.00
▲(2.00% Upside)
Action:DowngradedDate:04/30/26
The score is primarily driven by improved profitability and solid balance-sheet trends, tempered by volatile and weakening cash flow and a slight 2025 revenue decline. Valuation is a positive contributor due to the very low P/E, while technical signals are mixed-to-weak with price below key intermediate-term moving averages and negative MACD.
Positive Factors
Sustained Profitability & ROE
The company moved from prior loss years to consistent net income in 2024–2025 and mid‑to‑high teen ROE, showing restored underwriting/investment profitability. Durable earnings and strong ROE support capital formation and reinvestment ability over the medium term.
Negative Factors
Volatile & Declining Free Cash Flow
Sharp step‑downs in free cash flow over 2024–2025 and prior multi‑year volatility weaken confidence in earnings conversion and internal funding. Persistent FCF variability limits durable capacity to self‑fund claims, dividends, or reserve builds across insurance cycles.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained Profitability & ROE
The company moved from prior loss years to consistent net income in 2024–2025 and mid‑to‑high teen ROE, showing restored underwriting/investment profitability. Durable earnings and strong ROE support capital formation and reinvestment ability over the medium term.
Read all positive factors
American Overseas Group (AOREF) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$57.67M
Dividend YieldN/A
Average Volume (3M)1.00
Price to Earnings (P/E)5.6
Beta (1Y)0.06
Revenue Growth0.02%
EPS Growth15.19%
CountryUS
Employees15
SectorFinancial
Sector Strength70
IndustryInsurance - Reinsurance
Share Statistics
EPS (TTM)N/A
Shares Outstanding46,979
10 Day Avg. Volume3
30 Day Avg. Volume1
Financial Highlights & Ratios
PEG Ratio0.37
Price to Book (P/B)1.05
Price to Sales (P/S)0.81
P/FCF Ratio4.37
Enterprise Value/Market Cap0.44
Enterprise Value/Revenue0.34
Enterprise Value/Gross Profit0.42
Enterprise Value/Ebitda1.58
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
American Overseas Group Business Overview & Revenue Model
Company Description
American Overseas Group Limited, through its subsidiaries, provides property/casualty insurance and reinsurance products and services in Bermuda, Barbados, and the United States. It offers non-standard auto insurance products through specialty man...
American Overseas Group Financial Statement Overview
Summary
Income Statement
67
Positive
Balance Sheet
74
Positive
Cash Flow
58
Neutral
| Breakdown | Dec 2025 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 75.24M | 75.22M | 49.62M | 33.26M | 32.71M |
| Gross Profit | 46.36M | 75.22M | 49.62M | 33.26M | 32.71M |
| EBITDA | 16.15M | 14.47M | -2.24M | 867.22K | 0.00 |
| Net Income | 10.83M | 9.40M | 5.33M | -948.87K | -4.92M |
Balance Sheet | |||||
| Total Assets | 959.83M | 873.47M | 985.22M | 531.22M | 495.21M |
| Cash, Cash Equivalents and Short-Term Investments | 45.98M | 51.46M | 56.85M | 32.21M | 31.91M |
| Total Debt | 17.81M | 20.77M | 20.77M | 19.62M | 16.52M |
| Total Liabilities | 901.49M | 827.59M | 948.62M | 495.59M | 452.14M |
| Stockholders Equity | 58.33M | 45.88M | 36.30M | 30.18M | 37.02M |
Cash Flow | |||||
| Free Cash Flow | 13.97M | 6.12M | 38.21M | 3.31M | 16.78M |
| Operating Cash Flow | 13.97M | 6.12M | 36.09M | 3.31M | 16.78M |
| Investing Cash Flow | -14.51M | -10.17M | -14.19M | -4.04M | -4.65M |
| Financing Cash Flow | -4.94M | -2.31M | -255.02K | 562.80K | -585.25K |
American Overseas Group Technical Analysis
Neutral
1300.00
Price Trends
1261.25
Negative
1294.52
Negative
1160.05
Positive
Market Momentum
-8.75
Negative
45.72
Neutral
50.00
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AOREF, the sentiment is Neutral. The current price of 1300 is above the 20-day moving average (MA) of 1220.92, above the 50-day MA of 1261.25, and above the 200-day MA of 1160.05, indicating a neutral trend. The MACD of -8.75 indicates Negative momentum. The RSI at 45.72 is Neutral, neither overbought nor oversold. The STOCH value of 50.00 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for AOREF.
American Overseas Group Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
83 Outperform | $4.70B | 5.67 | 22.09% | ― | 20.12% | 98.92% | |
79 Outperform | $12.76B | 10.75 | 27.25% | 0.57% | -8.19% | 90.81% | |
75 Outperform | $602.19M | 6.59 | 11.10% | ― | 2.74% | 74.10% | |
75 Outperform | $2.72B | 5.55 | 20.87% | ― | 23.09% | 279.95% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $57.67M | 5.64 | 20.70% | ― | 0.02% | 15.19% | |
46 Neutral | $7.86M | -2.82 | -50.32% | ― | 371.98% | 37.76% |
* Financial Sector Average
AOREF
American Overseas Group
1,227.50
627.47
104.57%
GLRE
Greenlight Capital Re
17.72
4.41
33.13%
RNR
Renaissancere Holdings
299.30
53.98
22.00%
SPNT
SiriusPoint
23.25
5.07
27.89%
OXBR
Oxbridge Re Holdings
0.97
-0.86
-46.99%
HG
Hamilton Insurance Group, Ltd. Class B
31.58
13.77
77.31%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.