AFG vs. WTW: American Financial vs. Willis Towers Watson Stock Comparison

Company Profile

American Financial (AFG) and Willis Towers Watson (WTW) both belong to the Insurance industry, though AFG is classified under Property & Casualty Insurance while WTW falls under Insurance Brokers.

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 Willis Towers Watson (WTW) at 20.18% 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 Willis Towers Watson (WTW) at 15.22% 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 Willis Towers Watson (WTW) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Both American Financial (AFG) at -1.93% and Willis Towers Watson (WTW) at -2.24% post bottom-quartile revenue growth versus peers, pointing to weaker demand or pricing momentum than typical rivals.

Only one side can be read here: American Financial (AFG) reports EPS growth of -4.57%, ranked against its industry; Willis Towers Watson (WTW) has no EPS growth figure this period.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: American Financial (AFG) in Insurance and Willis Towers Watson (WTW) 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 Willis Towers Watson (WTW) 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

American Financial (AFG) at 2.31% delivers top-quartile income for its industry, while Willis Towers Watson (WTW) at 0.29% pays a more typical yield — both are credible income propositions, AFG the richer one.

Both American Financial (AFG) at 28.71% and Willis Towers Watson (WTW) at 23.34% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.

Dividend Metrics

Valuation

American Financial (AFG) at 12.61 is near its industry’s usual P/E ratio, while Willis Towers Watson (WTW) at 20.20 sits in the richer quartile — WTW needs stronger growth or earnings quality to justify the premium.

American Financial (AFG) at 1.54 is priced about in line with its industry on P/S ratio, while Willis Towers Watson (WTW) at 2.95 sits in the pricier quartile — WTW costs more per dollar of sales.

American Financial (AFG) at 2.71 is valued about in line with its industry on P/B ratio, while Willis Towers Watson (WTW) at 3.91 carries an above-peer premium to book — WTW is pricier on assets.

Valuation Metrics