# American Financial Z Score

AFG -- USA Stock

## USD 109.250.900.83%

Altman Z Score is one of the simplest fundamental models to determine how likely your company is to fail. The module uses available fundamental data of a given equity to approximate the Altman Z score. Altman Z Score is determined by evaluating five fundamental price points available from the company's current public disclosure documents. Check also American Financial Piotroski F Score and American Financial Valuation analysis.
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## American Financial Z Score Analysis

Z-Score is a simple linear, multi-factor model that measures the financial health and economic stability of a company. The score is used to predict probability of a firm going into bankruptcy within next 24 months or two fiscal years from the day stated on the accounting statements used to calculate it. The model uses five fundamental business ratios that are weighted according to algorithm of Professor Edward Altman who developed it in late 1960s at New York University..
 Z Score = Sum Of 5 Factors
More About Z Score | All Equity Analysis
 American Financial Z Score = 1.8
 First Factor = 1.2 * ( Working Capital / Total Assets )
 Second Factor = 1.4 * ( Retained Earnings / Total Assets )
 Thrid Factor = 3.3 * ( EBITAD / Total Assets )
 Fouth Factor = 0.6 * ( Market Value of Equity / Total Liabilities )
 Fifth Factor = 0.99 * ( Revenue / Total Assets )

## American Financial Distress Driver Correlations

To calculate Z-Score one would need to know current working capital of the company, its total assets and liabilities, amount of latest retained earnings as well as earnings before interest and tax. Z-Score can be used to compare the odds of bankruptcy of companies in similar line of business or firms operating in the same industry. Companies with Z-Scores above 3.1 are generally considered to be stable and healthy with low probability of bankruptcy. Scores that fall between 1.8 and 3.1 lie in a so-called 'grey area' with scores of less than 1 indicating the high probability of distress. Z Score is used widely by financial auditors, accountants, money managers, loan processers, wealth advisers, as well as day traders. In the last 25 years many financial models that utilize z score has been proved to be successful as a predictor of corporate bankruptcy.
 Compare to competition Predict American Financial
Accumulated Other Comprehensive Income
American Financial Group has Z Score of 1.8. This is 25.31% lower than that of the Financial Services sector, and 56.1% lower than that of Insurance - Property & Casualty industry, The Z Score for all stocks is 79.36% higher than the company.

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## American Financial current financial ratios

 Return On Equity 12.58% Return On Asset 0.93% Profit Margin 9.57% Operating Margin 15.34% Current Valuation 9.76B Shares Outstanding 89.94M Shares Owned by Insiders 17.62% Shares Owned by Institutions 67.09% Number of Shares Shorted 890.12K Price to Earning 13.73X Price to Book 1.60X Price to Sales 1.30X Revenue 7.46B Gross Profit 1.07B EBITDA 1.14B Net Income 714M Cash and Equivalents 2.53B Cash per Share 28.17X Total Debt 2.71B Debt to Equity 44.50% Current Ratio 1.36X Book Value Per Share 67.73X Cash Flow from Operations 1.46B Short Ratio 2.62X Earnings Per Share 7.87X Price to Earnings To Growth 1.98X Number of Employees 7.6K Beta 1.0 Market Capitalization 9.72B Total Asset 49.86B Retained Earnings 1.35B Z Score 1.8 Five Year Return 1.41% Last Dividend Paid 1.6

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