AFGB vs. CMSD: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at AFGB and CMSD, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Overview
CMSD’s market capitalization of 21.08 billion USD is significantly greater than AFGB’s 10.73 billion USD, highlighting its more substantial market valuation.
AFGB’s beta of 0.72 points to significantly higher volatility compared to CMSD (beta: 0.37), suggesting AFGB has greater potential for both gains and losses relative to market movements.
| Symbol | AFGB | CMSD |
|---|---|---|
| Company Name | American Financial Group, Inc. | CMS Energy Corporation 5.875% J |
| Country | US | US |
| Sector | Financial Services | Utilities |
| Industry | Insurance - Property & Casualty | Regulated Electric |
| CEO | None | None |
| Price | 21.49 USD | 22.68 USD |
| Market Cap | 10.73 billion USD | 21.08 billion USD |
| Beta | 0.72 | 0.37 |
| Exchange | NYSE | NYSE |
| IPO Date | April 1, 2020 | February 21, 2019 |
| ADR | No | No |
Historical Performance
This chart compares the performance of AFGB and CMSD 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
AFGB
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, AFGB’s Return on Equity of 17.81% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.
CMSD
12.49%
Regulated Electric Industry
- Max
- 18.07%
- Q3
- 12.49%
- Median
- 10.00%
- Q1
- 8.48%
- Min
- 5.02%
CMSD’s Return on Equity of 12.49% is on par with the norm for the Regulated Electric industry, indicating its profitability relative to shareholder equity is typical for the sector.
Return on Invested Capital
AFGB
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.
CMSD
3.85%
Regulated Electric Industry
- Max
- 5.26%
- Q3
- 4.57%
- Median
- 3.97%
- Q1
- 3.33%
- Min
- 1.92%
CMSD’s Return on Invested Capital of 3.85% is in line with the norm for the Regulated Electric industry, reflecting a standard level of efficiency in generating profits from its capital base.
Net Profit Margin
AFGB
13.06%
Insurance - Property & Casualty Industry
- Max
- 21.98%
- Q3
- 13.09%
- Median
- 9.18%
- Q1
- 6.10%
- Min
- 2.13%
AFGB’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.
CMSD
13.10%
Regulated Electric Industry
- Max
- 22.24%
- Q3
- 15.98%
- Median
- 13.10%
- Q1
- 11.03%
- Min
- 3.79%
CMSD’s Net Profit Margin of 13.10% is aligned with the median group of its peers in the Regulated Electric industry. This indicates its ability to convert revenue into profit is typical for the sector.
Operating Profit Margin
AFGB
14.02%
Insurance - Property & Casualty Industry
- Max
- 31.70%
- Q3
- 17.32%
- Median
- 12.57%
- Q1
- 7.38%
- Min
- 4.31%
AFGB’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.
CMSD
20.15%
Regulated Electric Industry
- Max
- 31.57%
- Q3
- 25.65%
- Median
- 21.93%
- Q1
- 17.87%
- Min
- 8.99%
CMSD’s Operating Profit Margin of 20.15% is around the midpoint for the Regulated Electric industry, indicating that its efficiency in managing core business operations is typical for the sector.
Profitability at a Glance
| Symbol | AFGB | CMSD |
|---|---|---|
| Return on Equity (TTM) | 17.81% | 12.49% |
| Return on Assets (TTM) | 2.64% | 2.81% |
| Return on Invested Capital (TTM) | 27.67% | 3.85% |
| Net Profit Margin (TTM) | 13.06% | 13.10% |
| Operating Profit Margin (TTM) | 14.02% | 20.15% |
| Gross Profit Margin (TTM) | 69.59% | 39.11% |
Financial Strength
Current Ratio
AFGB
--
Insurance - Property & Casualty Industry
- Max
- 51.52
- Q3
- 30.84
- Median
- 20.50
- Q1
- 6.61
- Min
- 0.41
Current Ratio data for AFGB is currently unavailable.
CMSD
1.06
Regulated Electric Industry
- Max
- 1.48
- Q3
- 1.06
- Median
- 0.86
- Q1
- 0.73
- Min
- 0.28
CMSD’s Current Ratio of 1.06 is in the upper quartile for the Regulated Electric 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
AFGB
0.34
Insurance - Property & Casualty Industry
- Max
- 0.58
- Q3
- 0.36
- Median
- 0.27
- Q1
- 0.14
- Min
- 0.01
AFGB’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.
CMSD
2.04
Regulated Electric Industry
- Max
- 2.38
- Q3
- 1.97
- Median
- 1.65
- Q1
- 1.28
- Min
- 0.27
CMSD’s leverage is in the upper quartile of the Regulated Electric industry, with a Debt-to-Equity Ratio of 2.04. While this approach can boost equity growth, it also exposes the company to greater financial vulnerability.
Interest Coverage Ratio
AFGB
11.29
Insurance - Property & Casualty Industry
- Max
- 39.40
- Q3
- 22.24
- Median
- 12.38
- Q1
- 6.68
- Min
- -12.40
AFGB’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.
CMSD
2.19
Regulated Electric Industry
- Max
- 3.07
- Q3
- 2.63
- Median
- 2.41
- Q1
- 2.30
- Min
- 1.87
In the lower quartile for the Regulated Electric industry, CMSD’s Interest Coverage Ratio of 2.19 indicates a tighter cushion for servicing debt, suggesting less financial flexibility than many of its competitors.
Financial Strength at a Glance
| Symbol | AFGB | CMSD |
|---|---|---|
| Current Ratio (TTM) | -- | 1.06 |
| Quick Ratio (TTM) | -- | 0.84 |
| Debt-to-Equity Ratio (TTM) | 0.34 | 2.04 |
| Debt-to-Asset Ratio (TTM) | 0.05 | 0.47 |
| Net Debt-to-EBITDA Ratio (TTM) | 0.31 | 5.38 |
| Interest Coverage Ratio (TTM) | 11.29 | 2.19 |
Growth
The following charts compare key year-over-year (YoY) growth metrics for AFGB and CMSD. These metrics are based on the companies’ annual financial reports.
Revenue Growth
Earnings Per Share (EPS) Growth
Free Cash Flow Growth
Dividend
Dividend Yield
AFGB
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%, AFGB offers a more attractive income stream than most of its peers in the Insurance - Property & Casualty industry, signaling a strong commitment to shareholder returns.
CMSD
3.00%
Regulated Electric Industry
- Max
- 6.60%
- Q3
- 4.03%
- Median
- 3.30%
- Q1
- 3.06%
- Min
- 0.00%
CMSD’s Dividend Yield of 3.00% is in the lower quartile for the Regulated Electric industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.
Dividend Payout Ratio
AFGB
94.24%
Insurance - Property & Casualty Industry
- Max
- 115.20%
- Q3
- 35.27%
- Median
- 22.19%
- Q1
- 3.16%
- Min
- 0.00%
AFGB’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.
CMSD
62.35%
Regulated Electric Industry
- Max
- 123.06%
- Q3
- 69.07%
- Median
- 62.27%
- Q1
- 52.66%
- Min
- 0.00%
CMSD’s Dividend Payout Ratio of 62.35% is within the typical range for the Regulated Electric industry, suggesting a balanced approach between shareholder payouts and company reinvestment.
Dividend at a Glance
| Symbol | AFGB | CMSD |
|---|---|---|
| Dividend Yield (TTM) | 7.15% | 3.00% |
| Dividend Payout Ratio (TTM) | 94.24% | 62.35% |
Valuation
Price-to-Earnings Ratio
AFGB
13.36
Insurance - Property & Casualty Industry
- Max
- 35.83
- Q3
- 23.28
- Median
- 14.49
- Q1
- 11.91
- Min
- 4.47
AFGB’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.
CMSD
20.60
Regulated Electric Industry
- Max
- 26.46
- Q3
- 21.71
- Median
- 19.07
- Q1
- 17.74
- Min
- 12.74
CMSD’s P/E Ratio of 20.60 is within the middle range for the Regulated Electric 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
AFGB
1.41
Insurance - Property & Casualty Industry
- Max
- 2.53
- Q3
- 1.90
- Median
- 1.33
- Q1
- 0.86
- Min
- 0.01
AFGB’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.
CMSD
2.72
Regulated Electric Industry
- Max
- 4.21
- Q3
- 3.10
- Median
- 2.78
- Q1
- 2.34
- Min
- 1.46
CMSD’s Forward PEG Ratio of 2.72 is within the middle range of its peers in the Regulated Electric industry. This suggests a reasonable balance between the stock’s price and its expected growth, aligning with sector valuation norms.
Price-to-Sales Ratio
AFGB
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.
CMSD
2.71
Regulated Electric Industry
- Max
- 3.88
- Q3
- 3.19
- Median
- 2.68
- Q1
- 1.96
- Min
- 0.27
CMSD’s P/S Ratio of 2.71 aligns with the market consensus for the Regulated Electric industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.
Price-to-Book Ratio
AFGB
2.43
Insurance - Property & Casualty Industry
- Max
- 5.34
- Q3
- 2.95
- Median
- 1.92
- Q1
- 1.31
- Min
- 0.52
AFGB’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.
CMSD
2.52
Regulated Electric Industry
- Max
- 2.95
- Q3
- 2.37
- Median
- 1.89
- Q1
- 1.43
- Min
- 0.55
CMSD’s P/B Ratio of 2.52 is in the upper tier for the Regulated Electric industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.
Valuation at a Glance
| Symbol | AFGB | CMSD |
|---|---|---|
| Price-to-Earnings Ratio (P/E, TTM) | 13.36 | 20.60 |
| Forward PEG Ratio (TTM) | 1.41 | 2.72 |
| Price-to-Sales Ratio (P/S, TTM) | 1.74 | 2.71 |
| Price-to-Book Ratio (P/B, TTM) | 2.43 | 2.52 |
| Price-to-Free Cash Flow Ratio (P/FCF, TTM) | 7.47 | -24.98 |
| EV-to-EBITDA (TTM) | 16.68 | 12.07 |
| EV-to-Sales (TTM) | 1.77 | 4.89 |