Last 47 quarters of trend data · Financial Services · Insurance - Property & Casualty
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 14.94 | 11.70 | 13.94 | 9.52 | 14.12 | 15.17 | 17.85 | 11.26 | 15.58 | 12.35 | 11.81 | 9.47 | 13.36 | 12.63 | 12.25 | 10.59 | 15.92 | 17.71 | 10.71 | 8.21 | 12.29 |
| — | -22.9% | -21.9% | -15.5% | -9.4% | +22.8% | +51.1% | +19.0% | +16.6% | -2.2% | -3.6% | -10.6% | -16.1% | -28.6% | +14.4% | +29.0% | +29.6% | +564.4% | +81.7% | +197.3% | +36.5% | |
| P/S Ratio | 1.54 | 1.46 | 1.45 | 1.40 | 1.32 | 1.37 | 1.49 | 1.34 | 1.19 | 1.37 | 1.52 | 1.19 | 1.10 | 1.40 | 1.54 | 1.53 | 1.35 | 2.02 | 2.13 | 2.04 | 1.59 |
| — | +6.8% | -3.0% | +4.3% | +10.4% | -0.2% | -1.8% | +12.1% | +8.5% | -2.0% | -1.4% | -22.2% | -18.3% | -31.0% | -27.7% | -24.6% | -15.5% | +10.7% | +23.5% | +169.1% | +67.4% | |
| P/B Ratio | 2.61 | 2.41 | 2.27 | 2.36 | 2.57 | 2.33 | 2.51 | 2.58 | 2.40 | 2.35 | 2.70 | 2.34 | 2.38 | 2.53 | 2.63 | 2.89 | 2.67 | 2.91 | 2.57 | 2.33 | 2.05 |
| — | +3.2% | -9.3% | -8.2% | +7.1% | -0.9% | -7.1% | +10.1% | +1.0% | -7.1% | +2.5% | -19.0% | -11.0% | -13.0% | +2.6% | +23.8% | +30.5% | +52.7% | +73.6% | +107.4% | +118.8% | |
| P/FCF | 8.95 | 56.94 | 5.82 | 3.81 | 17.36 | 13.79 | 8.05 | 4.27 | 5.33 | — | 41.44 | 3.44 | 3.43 | 26.63 | 6.44 | 24.60 | 5.33 | — | 6.46 | 12.89 | 6.26 |
| — | +312.8% | -27.7% | -10.7% | +225.9% | — | -80.6% | +24.0% | +55.2% | — | +543.8% | -86.0% | -35.7% | — | -0.4% | +90.9% | -14.8% | — | +60.6% | +228.5% | +157.3% | |
| EV / EBITDA | 10.88 | 8.82 | 10.52 | 7.16 | 10.92 | 11.15 | 13.31 | 8.79 | 11.92 | 9.59 | 9.44 | 7.49 | 10.51 | 10.02 | 9.90 | 8.51 | 12.21 | 13.59 | 8.65 | 6.23 | 8.61 |
| — | -20.9% | -21.0% | -18.5% | -8.4% | +16.3% | +41.0% | +17.5% | +13.4% | -4.3% | -4.7% | -12.0% | -13.9% | -26.2% | +14.4% | +36.6% | +41.8% | +83.1% | +43.6% | +182.3% | +55.1% | |
| EV / EBIT | 11.75 | 8.82 | 10.60 | 7.15 | 10.96 | 11.29 | 13.50 | 8.85 | 12.01 | 9.59 | 9.47 | 7.47 | 10.60 | 10.02 | 9.94 | 8.56 | 12.53 | 13.82 | 8.72 | 6.29 | 8.70 |
| — | -21.9% | -21.5% | -19.2% | -8.8% | +17.7% | +42.6% | +18.5% | +13.3% | -4.3% | -4.7% | -12.8% | -15.4% | -27.5% | +13.9% | +36.2% | +44.0% | +79.9% | +19.7% | +176.5% | -52.0% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 17.6% | 49.8% | 17.2% | 22.6% | 15.6% | 17.0% | 15.2% | 19.4% | 14.0% | 18.7% | 19.9% | 20.9% | 14.3% | 17.6% | 17.5% | 21.6% | 13.6% | 14.4% | 21.2% | 15.0% | 16.2% |
| — | +192.1% | +13.3% | +16.9% | +11.6% | -8.9% | -23.6% | -7.1% | -2.0% | +6.3% | +13.4% | -3.7% | +5.1% | +22.6% | -17.5% | +44.7% | -16.5% | -33.9% | -11.9% | -59.4% | +1430.0% | |
| Operating Margin | 13.2% | 15.9% | 13.0% | 18.6% | 11.6% | 11.9% | 10.7% | 14.9% | 9.7% | 14.4% | 16.2% | 16.1% | 10.2% | 14.1% | 15.7% | 18.1% | 10.8% | 14.1% | 24.8% | 31.0% | 15.9% |
| — | +33.7% | +21.8% | +24.6% | +20.0% | -17.4% | -33.9% | -7.2% | -5.0% | +2.1% | +3.0% | -11.4% | -5.4% | -0.1% | -36.8% | -41.4% | -32.1% | -28.6% | +6.0% | -11.5% | +517.9% | |
| Net Margin | 10.4% | 12.4% | 10.4% | 14.6% | 9.3% | 9.0% | 8.4% | 11.9% | 7.7% | 11.1% | 12.9% | 12.6% | 8.2% | 11.0% | 12.6% | 14.5% | 8.5% | 11.4% | 19.9% | 24.7% | 13.0% |
| — | +38.1% | +24.5% | +23.4% | +21.8% | -18.6% | -35.1% | -5.8% | -7.1% | +0.4% | +2.1% | -12.8% | -2.7% | -3.3% | -36.8% | -41.4% | -35.0% | -83.4% | -31.9% | -9.9% | +23.6% |
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 18.1% | 5.2% | 4.0% | 6.3% | 4.7% | 3.9% | 3.5% | 5.6% | 4.0% | 4.8% | 5.7% | 6.4% | 4.4% | 5.0% | 5.3% | 6.9% | 4.1% | 3.8% | 5.9% | 6.9% | 4.0% |
| — | +33.7% | +15.7% | +12.6% | +16.8% | -19.4% | -39.0% | -12.9% | -10.3% | -3.9% | +7.4% | -7.7% | +7.6% | +34.4% | -9.9% | -0.2% | +2.1% | -77.0% | -5.3% | -34.3% | +53.5% | |
| ROA | 2.9% | 0.8% | 0.6% | 1.0% | 0.8% | 0.7% | 0.6% | 1.0% | 0.7% | 0.9% | 1.0% | 1.1% | 0.7% | 0.8% | 0.9% | 1.1% | 0.7% | 0.7% | 1.2% | 1.4% | 0.9% |
| — | +6.6% | -6.0% | +0.6% | +16.8% | -16.6% | -36.6% | -5.4% | -0.5% | +1.7% | +11.1% | -7.5% | +4.0% | +20.2% | -24.6% | -19.1% | -21.2% | -67.0% | +97.0% | +41.1% | +261.0% | |
| ROIC | 16.3% | 4.6% | 3.6% | 5.6% | 3.9% | 3.4% | 3.0% | 4.7% | 3.3% | 4.0% | 4.6% | 5.3% | 3.5% | 4.0% | 4.1% | 5.3% | 3.2% | 2.9% | 5.0% | 6.9% | 4.4% |
| — | +36.3% | +20.7% | +21.0% | +19.2% | -15.5% | -35.9% | -12.0% | -5.9% | +0.5% | +12.6% | -0.1% | +7.9% | +37.1% | -17.7% | -22.7% | -26.7% | -21.6% | +45.0% | -35.5% | +686.7% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.38 | 0.38 | 0.39 | 0.38 | 0.48 | 0.43 | 0.44 | 0.43 | 0.41 | 0.44 | 0.44 | 0.43 | 0.47 | 0.46 | 0.44 | 0.42 | 0.45 | 0.44 | 0.45 | 0.44 | 0.43 |
| — | -11.5% | -11.6% | -11.2% | +16.1% | -3.0% | -0.9% | -1.3% | -11.2% | -5.2% | +1.2% | +3.1% | +3.4% | +5.5% | -2.2% | -4.8% | +5.4% | +9.6% | +32.3% | +30.5% | +10.1% | |
| Debt / EBITDA | 1.57 | 5.36 | 6.89 | 4.54 | 7.88 | 7.68 | 8.82 | 5.57 | 7.78 | 6.65 | 5.81 | 5.20 | 7.72 | 6.77 | 6.09 | 4.60 | 7.53 | 7.68 | 5.61 | 4.66 | 7.61 |
| — | -30.3% | -21.9% | -18.5% | +1.2% | +15.5% | +51.8% | +7.2% | +0.8% | -1.7% | -4.6% | +13.0% | +2.5% | -11.9% | +8.6% | -1.3% | -1.0% | +10.0% | +7.3% | +90.9% | -35.3% | |
| Current Ratio | 0.50 | 0.50 | 0.48 | 0.50 | 1.29 | 1.16 | 1.10 | 1.13 | 1.12 | 1.13 | 1.05 | 1.07 | 1.19 | 1.08 | 0.96 | 0.93 | 0.96 | 1.08 | 1.13 | 1.51 | 1.81 |
| — | -57.1% | -56.5% | -55.8% | +15.6% | +2.4% | +5.0% | +5.5% | -6.5% | +4.8% | +9.1% | +14.1% | +24.7% | -0.2% | -15.2% | -38.2% | -47.2% | -50.5% | -19.4% | +6.4% | -24.0% | |
| Quick Ratio | 0.50 | 0.50 | 0.48 | 0.50 | 1.29 | 1.16 | 1.10 | 1.13 | 1.12 | 1.13 | 1.05 | 1.07 | 1.19 | 1.08 | 0.96 | 0.93 | 0.96 | 1.08 | 1.13 | 1.51 | 1.81 |
| — | -57.1% | -56.5% | -55.8% | +15.6% | +2.4% | +5.0% | +5.5% | -6.5% | +4.8% | +9.1% | +14.1% | +24.7% | -0.2% | -15.2% | -38.2% | -47.2% | -50.5% | -19.4% | +6.4% | -24.0% | |
| Interest Coverage | 14.41 | 14.17 | 11.39 | 17.48 | 15.11 | 13.05 | 11.37 | 17.84 | 13.05 | 15.26 | 17.00 | 18.63 | 12.53 | 14.42 | 14.89 | 18.30 | 12.05 | 9.96 | 16.70 | 20.35 | 12.13 |
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Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying AFG stock.
American Financial Group, Inc.'s current P/E is 14.9x. The average P/E over the last 4 quarters is 12.3x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
American Financial Group, Inc.'s current operating margin is 13.2%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking American Financial Group, Inc.'s business trajectory between earnings reports.