AFG vs. TRV: American Financial vs. Travelers Stock Comparison
How do American Financial (AFG) and Travelers (TRV) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
American Financial (AFG) and Travelers (TRV) are both classified in the Property & Casualty Insurance sub-industry within the broader Insurance industry, placing them in the closest GICS peer bucket.
| Profile Item | AFG | TRV |
|---|---|---|
| Name | American Financial Group Inc | The Travelers Companies, Inc. |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Insurance | Insurance |
| GICS Industry | Insurance | Insurance |
| GICS Sub-Industry | Property & Casualty Insurance | Property & Casualty Insurance |
| Market Capitalization | 12.79 billion USD | 80.98 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | March 17, 1980 | November 17, 1975 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | AFG | TRV |
|---|---|---|
| Total Return (1Y) | 15.92% | 43.06% |
| Total Return (3Y, Annualized) | 20.24% | 35.01% |
| Total Return (5Y, Annualized) | 9.64% | 22.46% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | AFG | TRV |
|---|---|---|
| Volatility (1Y, Annualized) | 17.44% | 20.86% |
| Beta (5Y) | 0.55 | 0.39 |
| Max Drawdown (5Y) | -23.85% | -18.90% |
| Avg. Volume (3M) | 386.95K | 1.46M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | AFG | TRV |
|---|---|---|
| Sharpe Ratio (1Y) | 0.67 | 1.86 |
| Sortino Ratio (1Y) | 1.02 | 3.16 |
Profitability
ROE (TTM)
Travelers (TRV) at 27.50% sits in the top ROE quartile, while American Financial (AFG) at 21.57% is closer to the peer norm — stronger capital efficiency for TRV.
AFG
Insurance industry group
21.57%
- Max
- 41.68%
- Q3
- 22.04%
- AFG
- 21.57%
- Median
- 14.81%
- Q1
- 8.79%
- Min
- -10.66%
TRV
Insurance industry group
27.50%
- Max
- 41.68%
- TRV
- 27.50%
- Q3
- 22.04%
- Median
- 14.81%
- Q1
- 8.79%
- Min
- -10.66%
Net Margin (TTM)
Both American Financial (AFG) at 12.28% and Travelers (TRV) at 17.03% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.
AFG
Insurance industry group
12.28%
- Max
- 29.92%
- Q3
- 17.03%
- AFG
- 12.28%
- Median
- 10.97%
- Q1
- 6.21%
- Min
- -4.68%
TRV
Insurance industry group
17.03%
- Max
- 29.92%
- TRV
- 17.03%
- Q3
- 17.03%
- Median
- 10.97%
- Q1
- 6.21%
- Min
- -4.68%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for American Financial (AFG) in Insurance and Travelers (TRV) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | AFG | TRV |
|---|---|---|
| ROE (TTM) | 21.57% | 27.50% |
| ROA (TTM) | 2.55% | 4.73% |
| Net Margin (TTM) | 12.28% | 17.03% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Travelers (TRV) at 5.17% 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.
EPS Growth
Both American Financial (AFG) at -4.57% and Travelers (TRV) at 27.76% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.
Growth Metrics
| Metric | AFG | TRV |
|---|---|---|
| Revenue Growth (YoY) | -1.93% | 5.17% |
| Revenue Growth (3Y CAGR) | 6.22% | 9.79% |
| EPS Growth (YoY) | -4.57% | 27.76% |
| EPS Growth (3Y CAGR) | -1.45% | 32.58% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: American Financial (AFG) in Insurance and Travelers (TRV) 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 / Equity (MRQ)
debt-to-equity ratio is set aside for both: American Financial (AFG) in Insurance and Travelers (TRV) 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
| Metric | AFG | TRV |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
American Financial (AFG) at 2.31% delivers top-quartile income for its industry, while Travelers (TRV) at 1.17% pays a more typical yield — both are credible income propositions, AFG the richer one.
AFG
Insurance industry group
2.31%
- Max
- 5.12%
- AFG
- 2.31%
- Q3
- 2.15%
- Median
- 0.98%
- Q1
- 0.00%
- Min
- 0.00%
TRV
Insurance industry group
1.17%
- Max
- 5.12%
- Q3
- 2.15%
- TRV
- 1.17%
- Median
- 0.98%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both American Financial (AFG) at 28.71% and Travelers (TRV) at 12.36% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.
AFG
Insurance industry group
28.71%
- Max
- 76.67%
- Q3
- 35.18%
- AFG
- 28.71%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
TRV
Insurance industry group
12.36%
- Max
- 76.67%
- Q3
- 35.18%
- Median
- 14.74%
- TRV
- 12.36%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | AFG | TRV |
|---|---|---|
| Dividend Yield (TTM) | 2.31% | 1.17% |
| Dividend Payout Ratio (TTM) | 28.71% | 12.36% |
Valuation
P/E Ratio (TTM)
Both American Financial (AFG) at 12.61 and Travelers (TRV) at 10.39 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.
AFG
Insurance industry group
12.61
- Max
- 28.37
- Q3
- 18.75
- AFG
- 12.61
- Median
- 12.23
- Q1
- 9.08
- Min
- 2.32
TRV
Insurance industry group
10.39
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- TRV
- 10.39
- Q1
- 9.08
- Min
- 2.32
P/S Ratio (TTM)
On P/S ratio, both American Financial (AFG) at 1.54 and Travelers (TRV) at 1.66 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.
AFG
Insurance industry group
1.54
- Max
- 4.03
- Q3
- 2.25
- AFG
- 1.54
- Median
- 1.23
- Q1
- 0.85
- Min
- 0.07
TRV
Insurance industry group
1.66
- Max
- 4.03
- Q3
- 2.25
- TRV
- 1.66
- Median
- 1.23
- Q1
- 0.85
- Min
- 0.07
P/B Ratio (MRQ)
On P/B ratio, both American Financial (AFG) at 2.71 and Travelers (TRV) at 2.79 are valued close to their industries’ norm against book — neither stands out from peers.
AFG
Insurance industry group
2.71
- Max
- 5.07
- Q3
- 2.79
- AFG
- 2.71
- Median
- 1.76
- Q1
- 1.23
- Min
- 0.30
TRV
Insurance industry group
2.79
- Max
- 5.07
- TRV
- 2.79
- Q3
- 2.79
- Median
- 1.76
- Q1
- 1.23
- Min
- 0.30
Valuation Metrics
| Metric | AFG | TRV |
|---|---|---|
| P/E Ratio (TTM) | 12.61 | 10.39 |
| P/S Ratio (TTM) | 1.54 | 1.66 |
| P/B Ratio (MRQ) | 2.71 | 2.79 |
| Free Cash Flow Yield (TTM) | -- | -- |