AFG vs. SFB: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at AFG and SFB, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Overview
AFG’s market capitalization stands at 10.64 billion USD, while SFB’s is 11.03 billion USD, indicating their market valuations are broadly comparable.
SFB carries a higher beta at 1.09, indicating it’s more sensitive to market moves, while AFG (beta: 0.71) exhibits greater stability.
| Symbol | AFG | SFB |
|---|---|---|
| Company Name | American Financial Group, Inc. | Stifel Financial Corporation 5.20% Senior Notes due 2047 |
| Country | US | US |
| Sector | Financial Services | Financial Services |
| Industry | Insurance - Property & Casualty | Investment - Banking & Investment Services |
| CEO | Stephen Craig Lindner | None |
| Price | 127.43 USD | 21 USD |
| Market Cap | 10.64 billion USD | 11.03 billion USD |
| Beta | 0.71 | 1.09 |
| Exchange | NYSE | NYSE |
| IPO Date | March 17, 1980 | October 17, 2017 |
| ADR | No | No |
Historical Performance
This chart compares the performance of AFG and SFB by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period.
Data is adjusted for dividends and splits.
Profitability
Return on Equity
AFG
17.81%
Insurance - Property & Casualty Industry
- Max
- 28.14%
- Q3
- 17.51%
- Median
- 12.75%
- Q1
- 8.26%
- Min
- 0.61%
In the upper quartile for the Insurance - Property & Casualty industry, AFG’s Return on Equity of 17.81% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.
SFB
11.33%
Investment - Banking & Investment Services Industry
- Max
- 11.33%
- Q3
- 9.82%
- Median
- 6.95%
- Q1
- 1.70%
- Min
- -7.08%
In the upper quartile for the Investment - Banking & Investment Services industry, SFB’s Return on Equity of 11.33% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.
Return on Invested Capital
AFG
27.67%
Insurance - Property & Casualty Industry
- Max
- 21.89%
- Q3
- 10.09%
- Median
- 3.90%
- Q1
- 0.89%
- Min
- -7.26%
Return on Invested Capital is often not a primary measure of capital efficiency in the Insurance - Property & Casualty industry.
SFB
2.76%
Investment - Banking & Investment Services Industry
- Max
- 9.59%
- Q3
- 7.88%
- Median
- 1.38%
- Q1
- -3.64%
- Min
- -7.80%
Return on Invested Capital is often not a primary measure of capital efficiency in the Investment - Banking & Investment Services industry.
Net Profit Margin
AFG
13.06%
Insurance - Property & Casualty Industry
- Max
- 21.98%
- Q3
- 13.09%
- Median
- 9.18%
- Q1
- 6.10%
- Min
- 2.13%
AFG’s Net Profit Margin of 13.06% is aligned with the median group of its peers in the Insurance - Property & Casualty industry. This indicates its ability to convert revenue into profit is typical for the sector.
SFB
11.29%
Investment - Banking & Investment Services Industry
- Max
- 45.80%
- Q3
- 30.83%
- Median
- 9.16%
- Q1
- -2.60%
- Min
- -38.28%
SFB’s Net Profit Margin of 11.29% is aligned with the median group of its peers in the Investment - Banking & Investment Services industry. This indicates its ability to convert revenue into profit is typical for the sector.
Operating Profit Margin
AFG
14.02%
Insurance - Property & Casualty Industry
- Max
- 31.70%
- Q3
- 17.32%
- Median
- 12.57%
- Q1
- 7.38%
- Min
- 4.31%
AFG’s Operating Profit Margin of 14.02% is around the midpoint for the Insurance - Property & Casualty industry, indicating that its efficiency in managing core business operations is typical for the sector.
SFB
24.92%
Investment - Banking & Investment Services Industry
- Max
- 81.43%
- Q3
- 42.20%
- Median
- 12.51%
- Q1
- -8.30%
- Min
- -22.17%
SFB’s Operating Profit Margin of 24.92% is around the midpoint for the Investment - Banking & Investment Services industry, indicating that its efficiency in managing core business operations is typical for the sector.
Profitability at a Glance
| Symbol | AFG | SFB |
|---|---|---|
| Return on Equity (TTM) | 17.81% | 11.33% |
| Return on Assets (TTM) | 2.64% | 1.56% |
| Return on Invested Capital (TTM) | 27.67% | 2.76% |
| Net Profit Margin (TTM) | 13.06% | 11.29% |
| Operating Profit Margin (TTM) | 14.02% | 24.92% |
| Gross Profit Margin (TTM) | 69.59% | 81.86% |
Financial Strength
Current Ratio
AFG
--
Insurance - Property & Casualty Industry
- Max
- 51.52
- Q3
- 30.84
- Median
- 20.50
- Q1
- 6.61
- Min
- 0.41
Current Ratio data for AFG is currently unavailable.
SFB
--
Investment - Banking & Investment Services Industry
- Max
- 1.44
- Q3
- 1.42
- Median
- 0.81
- Q1
- 0.28
- Min
- 0.03
Current Ratio data for SFB is currently unavailable.
Debt-to-Equity Ratio
AFG
0.34
Insurance - Property & Casualty Industry
- Max
- 0.58
- Q3
- 0.36
- Median
- 0.27
- Q1
- 0.14
- Min
- 0.01
AFG’s Debt-to-Equity Ratio of 0.34 is typical for the Insurance - Property & Casualty industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.
SFB
0.27
Investment - Banking & Investment Services Industry
- Max
- 1.86
- Q3
- 1.69
- Median
- 1.12
- Q1
- 0.65
- Min
- 0.27
Falling into the lower quartile for the Investment - Banking & Investment Services industry, SFB’s Debt-to-Equity Ratio of 0.27 points to a conservative financing strategy. This results in lower financial risk but potentially limits strategic investments compared to more leveraged competitors.
Interest Coverage Ratio
AFG
11.29
Insurance - Property & Casualty Industry
- Max
- 39.40
- Q3
- 22.24
- Median
- 12.38
- Q1
- 6.68
- Min
- -12.40
AFG’s Interest Coverage Ratio of 11.29 is positioned comfortably within the norm for the Insurance - Property & Casualty industry, indicating a standard and healthy capacity to cover its interest payments.
SFB
1.88
Investment - Banking & Investment Services Industry
- Max
- 10.11
- Q3
- 5.15
- Median
- 1.31
- Q1
- -0.12
- Min
- -0.75
SFB’s Interest Coverage Ratio of 1.88 is positioned comfortably within the norm for the Investment - Banking & Investment Services industry, indicating a standard and healthy capacity to cover its interest payments.
Financial Strength at a Glance
| Symbol | AFG | SFB |
|---|---|---|
| Current Ratio (TTM) | -- | -- |
| Quick Ratio (TTM) | -- | -- |
| Debt-to-Equity Ratio (TTM) | 0.34 | 0.27 |
| Debt-to-Asset Ratio (TTM) | 0.05 | 0.04 |
| Net Debt-to-EBITDA Ratio (TTM) | 0.31 | -0.97 |
| Interest Coverage Ratio (TTM) | 11.29 | 1.88 |
Growth
The following charts compare key year-over-year (YoY) growth metrics for AFG and SFB. These metrics are based on the companies’ annual financial reports.
Revenue Growth
Earnings Per Share (EPS) Growth
Free Cash Flow Growth
Dividend
Dividend Yield
AFG
7.15%
Insurance - Property & Casualty Industry
- Max
- 8.17%
- Q3
- 3.10%
- Median
- 1.79%
- Q1
- 0.00%
- Min
- 0.00%
With a Dividend Yield of 7.15%, AFG offers a more attractive income stream than most of its peers in the Insurance - Property & Casualty industry, signaling a strong commitment to shareholder returns.
SFB
1.61%
Investment - Banking & Investment Services Industry
- Max
- 8.37%
- Q3
- 8.00%
- Median
- 7.73%
- Q1
- 4.20%
- Min
- 0.00%
SFB’s Dividend Yield of 1.61% is in the lower quartile for the Investment - Banking & Investment Services industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.
Dividend Payout Ratio
AFG
94.24%
Insurance - Property & Casualty Industry
- Max
- 115.20%
- Q3
- 35.27%
- Median
- 22.19%
- Q1
- 3.16%
- Min
- 0.00%
AFG’s Dividend Payout Ratio of 94.24% is in the upper quartile for the Insurance - Property & Casualty industry. This indicates a strong commitment to shareholder returns but also suggests that a smaller portion of earnings is retained for reinvestment compared to many peers.
SFB
47.45%
Investment - Banking & Investment Services Industry
- Max
- 116.00%
- Q3
- 105.02%
- Median
- 47.45%
- Q1
- 0.00%
- Min
- 0.00%
SFB’s Dividend Payout Ratio of 47.45% is within the typical range for the Investment - Banking & Investment Services industry, suggesting a balanced approach between shareholder payouts and company reinvestment.
Dividend at a Glance
| Symbol | AFG | SFB |
|---|---|---|
| Dividend Yield (TTM) | 7.15% | 1.61% |
| Dividend Payout Ratio (TTM) | 94.24% | 47.45% |
Valuation
Price-to-Earnings Ratio
AFG
13.36
Insurance - Property & Casualty Industry
- Max
- 35.83
- Q3
- 23.28
- Median
- 14.49
- Q1
- 11.91
- Min
- 4.47
AFG’s P/E Ratio of 13.36 is within the middle range for the Insurance - Property & Casualty industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.
SFB
18.43
Investment - Banking & Investment Services Industry
- Max
- 17.50
- Q3
- 15.38
- Median
- 13.59
- Q1
- 9.39
- Min
- 0.41
At 18.43, SFB’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Investment - Banking & Investment Services industry. This suggests the stock may be significantly overvalued compared to its peers and implies high market expectations that could be difficult to meet.
Forward P/E to Growth Ratio
AFG
1.41
Insurance - Property & Casualty Industry
- Max
- 2.53
- Q3
- 1.90
- Median
- 1.33
- Q1
- 0.86
- Min
- 0.01
AFG’s Forward PEG Ratio of 1.41 is within the middle range of its peers in the Insurance - Property & Casualty industry. This suggests a reasonable balance between the stock’s price and its expected growth, aligning with sector valuation norms.
SFB
0.79
Investment - Banking & Investment Services Industry
- Max
- 5.52
- Q3
- 5.29
- Median
- 5.05
- Q1
- 2.90
- Min
- 0.75
In the lower quartile for the Investment - Banking & Investment Services industry, SFB’s Forward PEG Ratio of 0.79 is a positive indicator. It suggests that the stock may be attractively valued relative to its expected earnings growth.
Price-to-Sales Ratio
AFG
1.74
Insurance - Property & Casualty Industry
- Max
- 3.76
- Q3
- 2.39
- Median
- 1.80
- Q1
- 1.01
- Min
- 0.50
The P/S Ratio is often not a primary valuation tool in the Insurance - Property & Casualty industry.
SFB
2.04
Investment - Banking & Investment Services Industry
- Max
- 6.72
- Q3
- 5.60
- Median
- 3.30
- Q1
- 1.69
- Min
- 0.00
The P/S Ratio is often not a primary valuation tool in the Investment - Banking & Investment Services industry.
Price-to-Book Ratio
AFG
2.43
Insurance - Property & Casualty Industry
- Max
- 5.34
- Q3
- 2.95
- Median
- 1.92
- Q1
- 1.31
- Min
- 0.52
AFG’s P/B Ratio of 2.43 is within the conventional range for the Insurance - Property & Casualty industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.
SFB
2.01
Investment - Banking & Investment Services Industry
- Max
- 1.91
- Q3
- 1.39
- Median
- 1.21
- Q1
- 0.97
- Min
- 0.90
At 2.01, SFB’s P/B Ratio is at an extreme premium to the Investment - Banking & Investment Services industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.
Valuation at a Glance
| Symbol | AFG | SFB |
|---|---|---|
| Price-to-Earnings Ratio (P/E, TTM) | 13.36 | 18.43 |
| Forward PEG Ratio (TTM) | 1.41 | 0.79 |
| Price-to-Sales Ratio (P/S, TTM) | 1.74 | 2.04 |
| Price-to-Book Ratio (P/B, TTM) | 2.43 | 2.01 |
| Price-to-Free Cash Flow Ratio (P/FCF, TTM) | 7.47 | 45.93 |
| EV-to-EBITDA (TTM) | 16.68 | 6.94 |
| EV-to-Sales (TTM) | 1.77 | 1.79 |