For the quarter ended September 2025, American Financial Group (AFG) reported revenue of $2.25 billion, down 1.5% over the same period last year. EPS came in at $2.69, compared to $2.31 in the year-ago quarter.
The reported revenue represents a surprise of +8.87% over the Zacks Consensus Estimate of $2.06 billion. With the consensus EPS estimate being $2.35, the EPS surprise was +14.47%.
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.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
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: 77.8% compared to the 78.3% average estimate based on three analysts.
- Property and Transportation - Underwriting Expense Ratio: 16.3% versus 18.4% estimated by three analysts on average.
- Property and Transportation - Combined Ratio: 94.1% versus the three-analyst average estimate of 96.7%.
- Specialty Casualty - Loss and LAE Ratio: 66.8% compared to the 64.8% average estimate based on three analysts.
- Specialty Casualty - Underwriting Expense Ratio: 29% versus 27.4% estimated by three analysts on average.
- Property and Casualty - Combined Ratio - Specialty: 93% versus 94.2% estimated by three analysts on average.
- Specialty Financial - Underwriting Expense Ratio: 49.3% versus 46.3% estimated by three analysts on average.
- Property and Transportation- Net earned premium: $576 million versus the three-analyst average estimate of $755.54 million. The reported number represents a year-over-year change of -41.3%.
- Specialty Casualty- Net earned premium: $810 million versus $784.04 million estimated by three analysts on average. Compared to the year-ago quarter, this number represents a +8.9% change.
- Revenues- Net earned premiums: $2.01 billion versus $1.86 billion estimated by three analysts on average. Compared to the year-ago quarter, this number represents a -2% change.
- Revenues- Net investment income: $205 million versus $191.38 million estimated by three analysts on average. Compared to the year-ago quarter, this number represents a +2.5% change.
- Specialty Financial- Net earned premium: $268 million compared to the $276.54 million average estimate based on three analysts. The reported number represents a change of -0.4% year over year.
View all Key Company Metrics for American Financial here>>>
Shares of American Financial have returned -11.7% over the past month versus the Zacks S&P 500 composite's +2.1% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform 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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