AFG vs. TROW: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at AFG and TROW, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Overview
TROW’s market capitalization of 22.06 billion USD is significantly greater than AFG’s 10.64 billion USD, highlighting its more substantial market valuation.
TROW carries a higher beta at 1.51, indicating it’s more sensitive to market moves, while AFG (beta: 0.71) exhibits greater stability.
| Symbol | AFG | TROW |
|---|---|---|
| Company Name | American Financial Group, Inc. | T. Rowe Price Group, Inc. |
| Country | US | US |
| Sector | Financial Services | Financial Services |
| Industry | Insurance - Property & Casualty | Asset Management |
| CEO | Stephen Craig Lindner | Robert W. Sharps CPA |
| Price | 127.43 USD | 100.15 USD |
| Market Cap | 10.64 billion USD | 22.06 billion USD |
| Beta | 0.71 | 1.51 |
| Exchange | NYSE | NASDAQ |
| IPO Date | March 17, 1980 | April 2, 1986 |
| ADR | No | No |
Historical Performance
This chart compares the performance of AFG and TROW 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.
TROW
19.60%
Asset Management Industry
- Max
- 34.25%
- Q3
- 18.22%
- Median
- 11.24%
- Q1
- 5.81%
- Min
- -5.72%
In the upper quartile for the Asset Management industry, TROW’s Return on Equity of 19.60% 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.
TROW
13.25%
Asset Management Industry
- Max
- 42.18%
- Q3
- 20.06%
- Median
- 8.68%
- Q1
- 3.13%
- Min
- -16.42%
TROW’s Return on Invested Capital of 13.25% is in line with the norm for the Asset Management industry, reflecting a standard level of efficiency in generating profits from its capital base.
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.
TROW
28.21%
Asset Management Industry
- Max
- 91.66%
- Q3
- 57.81%
- Median
- 29.48%
- Q1
- 15.70%
- Min
- -27.65%
TROW’s Net Profit Margin of 28.21% is aligned with the median group of its peers in the Asset Management 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.
TROW
32.97%
Asset Management Industry
- Max
- 99.76%
- Q3
- 78.28%
- Median
- 34.76%
- Q1
- 21.75%
- Min
- -48.25%
TROW’s Operating Profit Margin of 32.97% is around the midpoint for the Asset Management industry, indicating that its efficiency in managing core business operations is typical for the sector.
Profitability at a Glance
| Symbol | AFG | TROW |
|---|---|---|
| Return on Equity (TTM) | 17.81% | 19.60% |
| Return on Assets (TTM) | 2.64% | 14.33% |
| Return on Invested Capital (TTM) | 27.67% | 13.25% |
| Net Profit Margin (TTM) | 13.06% | 28.21% |
| Operating Profit Margin (TTM) | 14.02% | 32.97% |
| Gross Profit Margin (TTM) | 69.59% | 52.39% |
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.
TROW
5.87
Asset Management Industry
- Max
- 12.44
- Q3
- 5.76
- Median
- 3.04
- Q1
- 1.03
- Min
- 0.01
TROW’s Current Ratio of 5.87 is in the upper quartile for the Asset Management industry. This signifies a strong liquidity position, suggesting the company is well-equipped to cover its immediate liabilities compared to its peers.
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.
TROW
0.05
Asset Management Industry
- Max
- 2.62
- Q3
- 1.42
- Median
- 0.76
- Q1
- 0.34
- Min
- 0.01
Falling into the lower quartile for the Asset Management industry, TROW’s Debt-to-Equity Ratio of 0.05 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.
TROW
--
Asset Management Industry
- Max
- 13.30
- Q3
- 6.30
- Median
- 2.71
- Q1
- 1.00
- Min
- -6.91
Interest Coverage Ratio data for TROW is currently unavailable.
Financial Strength at a Glance
| Symbol | AFG | TROW |
|---|---|---|
| Current Ratio (TTM) | -- | 5.87 |
| Quick Ratio (TTM) | -- | 5.87 |
| Debt-to-Equity Ratio (TTM) | 0.34 | 0.05 |
| Debt-to-Asset Ratio (TTM) | 0.05 | 0.03 |
| Net Debt-to-EBITDA Ratio (TTM) | 0.31 | -0.87 |
| Interest Coverage Ratio (TTM) | 11.29 | -- |
Growth
The following charts compare key year-over-year (YoY) growth metrics for AFG and TROW. 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.
TROW
5.01%
Asset Management Industry
- Max
- 26.09%
- Q3
- 11.60%
- Median
- 6.37%
- Q1
- 2.75%
- Min
- 0.00%
TROW’s Dividend Yield of 5.01% is consistent with its peers in the Asset Management industry, providing a dividend return that is standard for its sector.
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.
TROW
42.34%
Asset Management Industry
- Max
- 1,034.88%
- Q3
- 127.70%
- Median
- 75.15%
- Q1
- 34.21%
- Min
- 0.00%
TROW’s Dividend Payout Ratio of 42.34% is within the typical range for the Asset Management industry, suggesting a balanced approach between shareholder payouts and company reinvestment.
Dividend at a Glance
| Symbol | AFG | TROW |
|---|---|---|
| Dividend Yield (TTM) | 7.15% | 5.01% |
| Dividend Payout Ratio (TTM) | 94.24% | 42.34% |
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.
TROW
11.15
Asset Management Industry
- Max
- 38.72
- Q3
- 23.40
- Median
- 11.45
- Q1
- 8.80
- Min
- 1.54
TROW’s P/E Ratio of 11.15 is within the middle range for the Asset Management industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.
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.
TROW
5.13
Asset Management Industry
- Max
- 6.38
- Q3
- 3.23
- Median
- 1.55
- Q1
- 0.89
- Min
- 0.02
A Forward PEG Ratio of 5.13 places TROW in the upper quartile for the Asset Management industry. This suggests the stock is potentially expensive compared to its peers relative to its growth forecast, which may warrant caution.
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.
TROW
3.10
Asset Management Industry
- Max
- 13.75
- Q3
- 7.92
- Median
- 4.87
- Q1
- 3.51
- Min
- 0.02
In the lower quartile for the Asset Management industry, TROW’s P/S Ratio of 3.10 indicates its revenue is valued more conservatively than most of its peers. This could present a compelling opportunity if the market has overlooked its sales-generating capabilities.
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.
TROW
2.15
Asset Management Industry
- Max
- 5.33
- Q3
- 2.75
- Median
- 1.06
- Q1
- 0.87
- Min
- 0.00
The P/B Ratio is often not a primary valuation metric for the Asset Management industry.
Valuation at a Glance
| Symbol | AFG | TROW |
|---|---|---|
| Price-to-Earnings Ratio (P/E, TTM) | 13.36 | 11.15 |
| Forward PEG Ratio (TTM) | 1.41 | 5.13 |
| Price-to-Sales Ratio (P/S, TTM) | 1.74 | 3.10 |
| Price-to-Book Ratio (P/B, TTM) | 2.43 | 2.15 |
| Price-to-Free Cash Flow Ratio (P/FCF, TTM) | 7.47 | 17.26 |
| EV-to-EBITDA (TTM) | 16.68 | 7.28 |
| EV-to-Sales (TTM) | 1.77 | 2.77 |