AFG vs. FNF: American Financial vs. Fidelity National Financial Stock Comparison

Company Profile

American Financial (AFG) and Fidelity National Financial (FNF) are both classified in the Property & Casualty Insurance sub-industry within the broader Insurance industry, placing them in the closest GICS peer bucket.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Both American Financial (AFG) at 21.57% and Fidelity National Financial (FNF) at 15.10% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.

Both American Financial (AFG) at 12.28% and Fidelity National Financial (FNF) at 7.00% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

Neither side reports a meaningful operating margin: for American Financial (AFG) in Insurance and Fidelity National Financial (FNF) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Fidelity National Financial (FNF) at 5.88% is around its peer norm for revenue growth, while American Financial (AFG) at -1.93% drops into the bottom quartile, signaling weaker demand or pricing momentum.

American Financial (AFG) at -4.57% is around its peer norm for EPS growth, while Fidelity National Financial (FNF) at -52.47% drops into the bottom quartile, signaling weaker earnings momentum.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: American Financial (AFG) in Insurance and Fidelity National Financial (FNF) in Insurance both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

debt-to-equity ratio is set aside for both: American Financial (AFG) in Insurance and Fidelity National Financial (FNF) in Insurance run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Dividends

Both American Financial (AFG) at 2.31% and Fidelity National Financial (FNF) at 4.85% offer top-quartile dividend income relative to share price within their industries.

American Financial (AFG) at 28.71% pays out a band-typical share of earnings, while Fidelity National Financial (FNF) at 53.20% distributes more than its industry norm — less retained, thinner cover.

Dividend Metrics

Valuation

Both American Financial (AFG) at 12.61 and Fidelity National Financial (FNF) at 11.21 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

Fidelity National Financial (FNF) at 0.79 sits in the cheaper P/S ratio quartile while American Financial (AFG) at 1.54 prices around its industry’s middle — FNF costs less per dollar of sales, though read it alongside growth and margins.

On P/B ratio, both American Financial (AFG) at 2.71 and Fidelity National Financial (FNF) at 1.59 are valued close to their industries’ norm against book — neither stands out from peers.

Valuation Metrics