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AFG vs JPM

AFG
American Financial Group, Inc.
NEUTRAL
Price
$127.79
Market Cap
$10.66B
Sector
Financial Services
AI Confidence
65%
JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$313.68
Market Cap
$846.01B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
AFG
13.48
JPM
15.68
Forward P/E
AFG
11.26
JPM
13.42
P/B Ratio
AFG
2.25
JPM
2.47
P/S Ratio
AFG
1.33
JPM
5.03
EV/EBITDA
AFG
8.99
JPM
--

Profitability

Gross Margin
AFG
17.85%
JPM
0.0%
Operating Margin
AFG
12.72%
JPM
41.06%
Profit Margin
AFG
9.96%
JPM
33.91%
ROE
AFG
16.91%
JPM
16.13%
ROA
AFG
2.1%
JPM
1.35%

Growth

Revenue Growth
AFG
-0.8%
JPM
2.5%
Earnings Growth
AFG
19.5%
JPM
-3.6%

Financial Health

Debt/Equity
AFG
0.43
JPM
--
Current Ratio
AFG
2.16
JPM
--
Quick Ratio
AFG
1.0
JPM
--

Dividends

Dividend Yield
AFG
2.74%
JPM
1.91%
Payout Ratio
AFG
33.58%
JPM
28.97%

AI Verdict

AFG NEUTRAL

AFG's Advanced Deterministic Scorecard shows a Piotroski F-Score of 4/9, indicating stable but not strong financial health, while the absence of an Altman Z-Score prevents a full distress risk assessment. The stock trades below its growth-based intrinsic value of $279.66 but above the conservative Graham Number of $109.99, suggesting moderate undervaluation with structural risks. Profitability metrics like ROE (16.91%) and low Debt/Equity (0.43) are strong, but weak revenue growth (-0.80% YoY) and bearish insider activity weigh on momentum. Analysts recommend a 'buy' with a target price of $143.83, implying 12.5% upside, though recent price performance has been flat to negative in the short term.

Strengths
Strong return on equity (ROE) of 16.91%, above sector average and indicating efficient capital use
Low debt-to-equity ratio of 0.43, well below sector average of 1.70, signaling conservative leverage
Attractive dividend yield of 2.74% with a sustainable payout ratio of 33.58%
Risks
Piotroski F-Score of 4/9 indicates only stable financial health, with room for deterioration
Revenue declining YoY (-0.80%), raising concerns about top-line sustainability despite earnings growth
Missing Altman Z-Score prevents clear assessment of bankruptcy risk; absence is a red flag
JPM NEUTRAL

JPM exhibits a concerning Piotroski F-Score of 2/9, indicating weak short-term fundamental health, and currently trades at a significant premium to both its Graham Number ($239.11) and Intrinsic Value ($140.07). While the company maintains a strong ROE of 16.13% and dominant market positioning, negative YoY earnings growth (-3.60%) and bearish insider activity from the CEO and CFO signal internal caution. The stock's current price of $313.68 suggests the market is pricing in a growth premium that is not currently supported by the deterministic health or value metrics.

Strengths
Strong profitability with a 33.91% profit margin
Robust Return on Equity (ROE) of 16.13%
Conservative dividend payout ratio of 28.97%
Risks
Very low Piotroski F-Score (2/9) suggesting deteriorating financial health
Significant overvaluation relative to Intrinsic Value ($140.07)
Negative Year-over-Year earnings growth (-3.60%)

Compare Another Pair

AFG vs JPM: Head-to-Head Comparison

This page compares American Financial Group, Inc. (AFG) and JPMorgan Chase & Co. (JPM) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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