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During the past 12 months, American Financial Group's average EPS without NRIGrowth Rate was 9.50% per year.
During the past 3 years, the average EPS without NRIGrowth Rate was -4.00% per year.
During the past 5 years, the average EPS without NRIGrowth Rate was 8.60% per year.
During the past 10 years, the average EPS without NRIGrowth Rate was 7.90% per year.
During the past 13 years, American Financial Group's highest 3-Year average EPS without NRI Growth Rate was 181.00% per year. The lowest was -52.80% per year. And the median was 7.90% per year.
American Financial Group (NYSE:AFG) Earnings per Share (Diluted) Explanation
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.
Be Aware
Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.
If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.
American Financial Group Earnings per Share (Diluted) Related Terms
American Financial Group Earnings per Share (Diluted) Historical Data
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The historical data trend for American Financial Group's Earnings per Share (Diluted) can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
American Financial Group Earnings per Share (Diluted) Chart
AFG vs ORI, AIZ, CNA: Earnings per Share (Diluted) Comparison
For the Insurance - Property & Casualty subindustry, American Financial Group's PE Ratio, along with its competitors' market caps and PE Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
American Financial Group PE Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, American Financial Group's PE Ratio distribution charts can be found below:
* The bar in red indicates where American Financial Group's PE Ratio falls into.
American Financial Group Earnings per Share (Diluted) Calculation
Earnings Per Share (EPS) is the amount of earnings per outstanding share of the company's stock. In calculating earnings per share, the dividends of preferred stocks need to subtracted from the total net income first.
American Financial Group's Earnings Per Share (Diluted) for the fiscal year that ended in Dec. 2025 is calculated as
Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $10.52
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Companies also reported diluted shares in their financial reports. Diluted shares include the shares of convertibles or warrants outstanding.
What does a Earnings per Share (Diluted) of $10.52 mean?
American Financial Group (AFG) has a Earnings per Share (Diluted) of $10.52 as of Mar. 2026. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on American Financial Group and its competitors. According to the industry distribution chart, American Financial Group ranks #334 out of 403 companies in the Insurance industry, placing it in the top 82.9%.
Is American Financial Group's Earnings per Share (Diluted) too high?
American Financial Group's current Earnings per Share (Diluted) is $10.52. The Insurance industry median Earnings per Share (Diluted) is 16.40. American Financial Group's value of $10.52 is 35.9% below this industry median. Based on the distribution chart, American Financial Group ranks #334 out of 403 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, American Financial Group has a GF Score™ of 81/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does American Financial Group's Earnings per Share (Diluted) compare to ORI and AIZ?
According to the Insurance industry distribution chart, American Financial Group ranks #334 out of 403 companies for Earnings per Share (Diluted). This places American Financial Group in the lower half of its industry. The industry median Earnings per Share (Diluted) is 16.40. American Financial Group's value of $10.52 is 35.9% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Earnings per Share (Diluted) for an Insurance company?
The median Earnings per Share (Diluted) among Insurance companies is 16.40, based on 403 companies in the industry. Companies in the top quartile (top 25%) have a Earnings per Share (Diluted) significantly above this median, while those in the bottom quartile fall well below. However, Earnings per Share (Diluted) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. American Financial Group's current Earnings per Share (Diluted) of $10.52 is 35.9% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Earnings per Share (Diluted) mean?
A high Earnings per Share (Diluted) can signal that a stock is expensive relative to its fundamentals. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on American Financial Group and its competitors. For the Insurance industry, the median Earnings per Share (Diluted) is 16.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. American Financial Group's current Earnings per Share (Diluted) is $10.52. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is American Financial Group stock overvalued right now?
Based on GuruFocus' analysis, American Financial Group (AFG) is currently considered Modestly Overvalued. The stock's GF Value™ is $125.38, compared to a current price of $143.88 — trading 14.8% above its estimated fair value. The current Earnings per Share (Diluted) is $10.52 and 35.9% below the Insurance industry median of 16.40. American Financial Group's overall GF Score™ is 81/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Earnings per Share (Diluted) calculated?
Earnings per Share (Diluted) is calculated from a company's financial statements. For American Financial Group (AFG), the current Earnings per Share (Diluted) is $10.52 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is American Financial Group (AFG) Overvalued in 2026?
Based on GuruFocus' analysis, American Financial Group stock appears to be overvalued.
The current stock price of $143.88 is trading 14.8% above its estimated GF Value™ of $125.38.
GuruFocus considers American Financial Group to be Modestly Overvalued.
Key valuation signals for AFG:
Earnings per Share (Diluted): $10.52
GF Value™: $125.38 vs. price of $143.88 (14.8% above fair value)
Industry Position: 35.9% below the Insurance median (#334 of 403)
No single metric tells the full story. See the AFG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
American Financial Group Inc is an insurance holding company. Through its subsidiaries, it is engaged in the property and casualty insurance business, focusing on specialized commercial products for businesses. The group operates through two segments: Property and Casualty Insurance, which generates maximum revenue, and Other. The Property and Casualty Insurance segment is further divided into different sub-segments, such as Property and transportation, Specialty casualty, and Specialty financial. These sub-segments offer insurance coverage for vehicles and commercial property, customized programs for small to mid-sized businesses, workers' compensation insurance, risk management insurance programs for lending and leasing institutions, trade credit insurance, and other insurance products.
81GF Score
Get the complete analysis for AFG
Earnings per Share (Diluted) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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