American Financial GroupAFG +0.19%80 OCF Margin % is 25.82% as of Mar. 2026, which is 0% below its 10-year median of 25.89. GuruFocus rates AFG with a GF Score™ of 80/100 and a GF Value™ of $127.30 (Fairly Valued). The stock has 4 warning signs investors should review. Among 501 Insurance companies, American Financial Group ranks better than 72.06% on this metric.
* 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.
For the Insurance - Property & Casualty subindustry, American Financial Group's OCF Margin %, along with its competitors' market caps and OCF Margin % 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 OCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, American Financial Group's OCF Margin % distribution charts can be found below:
* The bar in red indicates where American Financial Group's OCF Margin % falls into.
* 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 (AFG) has a OCF Margin % of 25.82% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on American Financial Group and its competitors. This is near median its historical median of 25.89. Over the past decade, American Financial Group's OCF Margin % has ranged from 13.92 to 40.16. According to the industry distribution chart, American Financial Group ranks #140 out of 501 companies in the Insurance industry, placing it in the top 27.9%.
Is American Financial Group's OCF Margin % too high?
American Financial Group's current OCF Margin % of 25.82% is near median its 10-year median of 25.89. Over the past 10 years, this metric has ranged from a low of 13.92 to a high of 40.16. The Insurance industry median OCF Margin % is 10.85. American Financial Group's value of 25.82% is 138% above this industry median. Based on the distribution chart, American Financial Group ranks #140 out of 501 companies in the Insurance industry, which is above the industry midpoint. Overall, American Financial Group has a GF Score™ of 80/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does American Financial Group's OCF Margin % compare to CNA and AIZ?
According to the Insurance industry distribution chart, American Financial Group ranks #140 out of 501 companies for OCF Margin %. This puts American Financial Group in the upper half of its industry. The industry median OCF Margin % is 10.85. American Financial Group's value of 25.82% is 138% above this benchmark. Historically, American Financial Group's own OCF Margin % has ranged from 13.92 to 40.16 over the past decade. While the company's 10-year median is 25.89 vs. the industry median of 10.85, American Financial Group has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for an Insurance company?
The median OCF Margin % among Insurance companies is 10.85, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. American Financial Group's current OCF Margin % of 25.82% is 138% above 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on American Financial Group and its competitors. For the Insurance industry, the median OCF Margin % is 10.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. American Financial Group's current OCF Margin % is 25.82%, which is near median its own 10-year median of 25.89. 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 $138.49 — trading 8.8% above its estimated fair value. The current OCF Margin % is 25.82%, which is near median its 10-year median of 25.89 and 138% above the Insurance industry median of 10.85. American Financial Group's overall GF Score™ is 80/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For American Financial Group (AFG), the current OCF Margin % is 25.82% 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 $138.49 is trading 8.8% above its estimated GF Value™ of $127.30.
GuruFocus considers American Financial Group to be Fairly Valued.
Key valuation signals for AFG:
OCF Margin %: 25.82% (near median its 10-year median of 25.89)
GF Value™: $127.30 vs. price of $138.49 (8.8% above fair value)
Industry Position: 138% above the Insurance median (#140 of 501)
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.
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