American Financial Group, Inc. (AFG) vs Old Republic International Corporation (ORI)

American Financial Group, Inc. and Old Republic International Corporation are both Insurance Property & Casualty companies. American Financial Group, Inc. is the larger, with a market value of $12.1B against $9.3B — 1.3× the size. Old Republic International Corporation trades at the lower P/E: 8.5× against 13.0×. Old Republic International Corporation grew revenue faster over the last twelve months: 12.1% against −0.24%. Old Republic International Corporation has the higher net margin (11.7% vs 11.5%) and the lower return on invested capital (12.1% vs 14.4%). Both pay a dividend; Old Republic International Corporation yields more (3.11% vs 2.42%). Across the 21 metrics below, Old Republic International Corporation leads on 14 and American Financial Group, Inc. on 7.

Valuation

Metric AFG ORI Insurance Property & Casualty median
P/E 13.04 8.47 10.75
P/S 1.50 0.98 1.21
P/B 2.57 1.56 1.99
Price to free cash flow 8.61 7.43 7.76
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.67% 11.81% 9.08%
Free cash flow yield 11.62% 13.46% 12.11%

Profitability

Metric AFG ORI Insurance Property & Casualty median
Gross margin 22.29% 15.79% 41.16%
Operating margin 15.60% 15.79% 15.09%
Net margin 11.51% 11.71% 11.51%
Free cash flow margin 17.37% 13.17% 17.46%
Return on equity 20.41% 18.52% 17.34%
Return on assets 2.99% 3.74% 3.74%
Return on invested capital 14.44% 12.06% 12.06%

Growth

Metric AFG ORI Insurance Property & Casualty median
Revenue growth (TTM) (0.24%) 12.12% 8.02%
EPS growth (last fiscal year) (4.64%) 14.81% 39.61%
Revenue growth, 5-year CAGR 7.22% 4.98% 9.23%
Net income growth, 5-year CAGR 2.84% 10.86% 10.09%

Health

Metric AFG ORI Insurance Property & Casualty median
Debt to equity 0.38 0.38 0.25
Current ratio 0.49 0.19 0.42
Net debt to EBITDA 0.08 1.04 0.08

Dividend

Metric AFG ORI Insurance Property & Casualty median
Dividend yield 2.42% 3.11% 1.50%
Payout ratio 0.32 0.27 0.14

Size

Metric AFG ORI Insurance Property & Casualty median
Market cap 12.08b 9.34b 2.67b

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack