American Financial Group (AFG) reported $1.86 billion in revenue for the quarter ended June 2025, representing a year-over-year increase of 3.2%. EPS of $2.14 for the same period compares to $2.56 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $2.05 billion, representing a surprise of -9.22%. The company delivered an EPS surprise of +2.88%, with the consensus EPS estimate being $2.08.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how American Financial performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Property and Transportation - Loss and LAE Ratio: 67.2% versus the four-analyst average estimate of 66.7%.
- Property and Transportation - Combined Ratio: 95.2% versus 96.4% estimated by four analysts on average.
- Property and Transportation - Underwriting Expense Ratio: 28% versus the four-analyst average estimate of 29.7%.
- Specialty Financial - Underwriting Expense Ratio: 48% compared to the 48.2% average estimate based on three analysts.
- Specialty Financial - Combined Ratio: 86.1% compared to the 89.8% average estimate based on three analysts.
- Specialty Casualty - Combined Ratio: 93.9% compared to the 91.8% average estimate based on three analysts.
- Property and Casualty - Loss and LAE Ratio: 61.1% compared to the 61.7% average estimate based on three analysts.
- Revenues- Net investment income: $184 million versus the four-analyst average estimate of $187.55 million. The reported number represents a year-over-year change of -2.1%.
- Revenues- Net earned premiums: $1.65 billion versus $1.79 billion estimated by four analysts on average. Compared to the year-ago quarter, this number represents a +3.9% change.
- Specialty Casualty- Net earned premium: $799 million compared to the $788.83 million average estimate based on three analysts. The reported number represents a change of +8.1% year over year.
- Property and Transportation- Net earned premium: $576 million versus the three-analyst average estimate of $688.54 million. The reported number represents a year-over-year change of +6.1%.
- Specialty Financial- Net earned premium: $272 million versus the three-analyst average estimate of $277.55 million. The reported number represents a year-over-year change of +12.9%.
View all Key Company Metrics for American Financial here>>>
Shares of American Financial have returned -2.2% over the past month versus the Zacks S&P 500 composite's +1% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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American Financial Group, Inc. (AFG): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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