AFG (American Financial Group) Moat Score: 6/10 (As of Jun. 27, 2026)


AFG American Financial Group Inc AFG
81 GF Score
Price $139.18
GF Value $127.30
Valuation Fairly Valued
! 4 Warning Signs
View Full Analysis

What is American Financial Group Moat Score?

American Financial Group AFG +2.42% 81 Moat Score is 6 as of Jun. 27, 2026. GuruFocus rates AFG with a GF Score™ of 81/100 and a GF Value™ of $127.30 (Fairly Valued). The stock has 4 warning signs investors should review. Among 596 Insurance companies, American Financial Group ranks better than 94.97% on this metric.

American Financial Group has the Moat Score of 6, which implies that the company might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

American Financial Group has Narrow Moat: American Financial Group Inc has a strong narrow moat due to its solid market position in specialty insurance, benefiting from economies of scale and brand strength. While it has some pricing power and customer loyalty, it lacks the extensive regulatory barriers or network effects needed for a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes American Financial Group might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

American Financial Group  (NYSE:AFG) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

American Financial Group Moat Score Related Terms

AFG vs CNA, AIZ, ORI: Moat Score Comparison

For the Insurance - Property & Casualty subindustry, American Financial Group's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, American Financial Group's Moat Score distribution charts can be found below:

* The bar in red indicates where American Financial Group's Moat Score falls into.


AFG
81GF Score
American Financial Group Inc AFG
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 6 mean?
American Financial Group (AFG) has a Moat Score of 6 as of Jun. 27, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, American Financial Group ranks #30 out of 596 companies in the Insurance industry, placing it in the top 5%.
Is American Financial Group's Moat Score too high?
American Financial Group's current Moat Score is 6. Based on the distribution chart, American Financial Group ranks #30 out of 596 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, American Financial Group has a GF Score™ of 81/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does American Financial Group's Moat Score compare to CNA and AIZ?
According to the Insurance industry distribution chart, American Financial Group ranks #30 out of 596 companies for Moat Score. This places American Financial Group in the top 5% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. American Financial Group's current Moat Score is 6. 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 Fairly Valued. The stock's GF Value™ is $127.30, compared to a current price of $139.18 — trading 9.3% above its estimated fair value. The current Moat Score is 6. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For American Financial Group (AFG), the current Moat Score is 6 as of Jun. 27, 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 $139.18 is trading 9.3% above its estimated GF Value™ of $127.30. GuruFocus considers American Financial Group to be Fairly Valued.

Key valuation signals for AFG:

  • Moat Score: 6
  • GF Value™: $127.30 vs. price of $139.18 (9.3% above fair value)
  • GF Score™: 81/100 with 4 warning signs

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 Business Description

Other Exchanges QFI:Germany
Address 301 East Fourth Street, Cincinnati, OH, USA, 45202
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

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$139.18
Price
$127.30
GF Value