American Overseas Group Limited (AOREF)
OTHER OTC:AOREF
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American Overseas Group
(OTC:AOREF)
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Rating:71Outperform
Price Target:
$1,658.00
▲(27.54% Upside)
Action:ReiteratedDate:01/14/26
The score is driven mainly by solid financial performance (improved profitability, strong ROE, and moderate leverage), supported by a low P/E valuation. Technicals are positive but tempered by overbought signals (RSI ~75 and Stochastic 100), and recent revenue/cash-flow volatility remains a key risk.
Positive Factors
Profitability & ROE
Sustained high margins and double-digit ROE indicate efficient underwriting and capital deployment, supporting internal capital generation and reserve building. Over a 2–6 month horizon this underpins resilience to underwriting cycle swings and funds strategic reinvestment.
Negative Factors
Revenue Downturn
A material TTM revenue decline after prior growth signals weakening premium scale or reduced market share. For reinsurance, lower top-line momentum can constrain spread economies and pricing leverage, reducing long-term growth visibility and strategic optionality.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability & ROE
Sustained high margins and double-digit ROE indicate efficient underwriting and capital deployment, supporting internal capital generation and reserve building. Over a 2–6 month horizon this underpins resilience to underwriting cycle swings and funds strategic reinvestment.
Read all positive factors
American Overseas Group (AOREF) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$57.55M
Dividend YieldN/A
Average Volume (3M)1.00
Price to Earnings (P/E)4.1
Beta (1Y)0.09
Revenue Growth23.10%
EPS Growth44.90%
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 Ratio0.02
Price to Book (P/B)0.36
Price to Sales (P/S)0.22
P/FCF Ratio2.69
Enterprise Value/Market Cap0.44
Enterprise Value/Revenue0.33
Enterprise Value/Gross Profit0.36
Enterprise Value/Ebitda1.56
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...
How the Company Makes Money
AOREF generates revenue primarily through the underwriting of insurance and reinsurance policies, collecting premiums from clients in exchange for coverage against specified risks. The company also earns income from investment activities, as premi...
American Overseas Group Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
74
Positive
Cash Flow
66
Positive
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 77.81M | 75.22M | 49.62M | 33.26M | 32.71M | 24.56M |
| Gross Profit | 70.92M | 75.22M | 49.62M | 33.26M | 32.71M | 24.56M |
| EBITDA | 16.24M | 14.47M | -2.24M | 867.22K | 0.00 | -3.53M |
| Net Income | 10.72M | 9.40M | 5.33M | -948.87K | -4.92M | -5.01M |
Balance Sheet | ||||||
| Total Assets | 936.58M | 873.47M | 985.22M | 531.22M | 495.21M | 415.14M |
| Cash, Cash Equivalents and Short-Term Investments | 51.27M | 51.46M | 56.85M | 32.21M | 31.91M | 24.25M |
| Total Debt | 19.04M | 20.77M | 20.77M | 19.62M | 16.52M | 16.52M |
| Total Liabilities | 879.76M | 827.59M | 948.62M | 495.59M | 452.14M | 365.75M |
| Stockholders Equity | 56.82M | 45.88M | 36.30M | 30.18M | 37.02M | 43.33M |
Cash Flow | ||||||
| Free Cash Flow | 18.71M | 6.12M | 38.21M | 3.31M | 16.78M | -54.05M |
| Operating Cash Flow | 18.71M | 6.12M | 36.09M | 3.31M | 16.78M | -54.05M |
| Investing Cash Flow | -8.03M | -10.17M | -14.19M | -4.04M | -4.65M | 56.06M |
| Financing Cash Flow | -5.42M | -2.31M | -255.02K | 562.80K | -585.25K | -10.37M |
American Overseas Group Technical Analysis
Positive
1300.00
Price Trends
1290.25
Negative
1301.99
Negative
1130.76
Positive
Market Momentum
-23.24
Positive
45.04
Neutral
43.53
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AOREF, the sentiment is Positive. The current price of 1300 is above the 20-day moving average (MA) of 1233.35, above the 50-day MA of 1290.25, and above the 200-day MA of 1130.76, indicating a neutral trend. The MACD of -23.24 indicates Positive momentum. The RSI at 45.04 is Neutral, neither overbought nor oversold. The STOCH value of 43.53 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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 |
|---|---|---|---|---|---|---|---|
82 Outperform | $3.01B | 4.11 | 22.09% | ― | 22.79% | -5.17% | |
80 Outperform | $13.06B | 4.15 | 24.24% | 0.57% | -3.96% | -48.08% | |
75 Outperform | $2.60B | 5.55 | 20.87% | ― | 7.87% | -4.68% | |
71 Outperform | $57.55M | 4.13 | 20.70% | ― | 23.10% | 44.90% | |
71 Outperform | $606.61M | 6.59 | 11.10% | ― | 5.83% | -101.38% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
50 Neutral | $6.56M | -2.82 | -50.32% | ― | ― | 55.30% |
* Financial Sector Average
AOREF
American Overseas Group
1,225.00
825.01
206.26%
GLRE
Greenlight Capital Re
17.85
4.92
38.05%
RNR
Renaissancere Holdings
300.37
69.12
29.89%
SPNT
SiriusPoint
22.19
6.14
38.26%
OXBR
Oxbridge Re Holdings
0.84
-0.76
-47.44%
HG
Hamilton Insurance Group, Ltd. Class B
30.33
12.35
68.69%
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.